23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX : I mailed PMI removal request form with payment cheque to PHH Mortgage Services XXXX. XXXX request form includes list of home XXXXmprovements I made XX/XX/XXXX : The cheque was cashed XX/XX/XXXX : I called PHH for followup. No progress was made XX/XX/XXXX : I called PHH for followup. PHH sent me an email asking for list of home improvements ( which I included in the request form I mailed ). I responded the same date. 
XX/XX/XXXX : PHH sent me an email asking for cost of home improvements I made. I responded the same date. 
XX/XX/XXXX : PHH sent me an email asking for dates of home improvements I made. I responded the same date. XX/XX/XXXX : PHH told me my request is under review by PMI removal team XX/XX/XXXX : I called PHH for followup. No progress was made XX/XX/XXXX : I called PHH for followup. No progress was made XX/XX/XXXX : A broker came to my house to do appraisal and took some pictures. She said she will send it in by XX/XX/XXXX XX/XX/XXXX : Called PHH to follow up. I was told to wait till XX/XX/XXXX for a call back XX/XX/XXXX : No call back was made XX/XX/XXXX : Called PHH for update. I was told the vendor XXXX XXXX XXXX XXXX hasn't send the appraisal to PHH yet. I called XXXX XXXX to confirm, but I was told the appraisal would go to PHH right after the broker visited my home. So PHH was lying. 
XX/XX/XXXX : Called PHH and was told the PMI has been removed.
Product: Mortgage

I applied for a VA loan and the underwriter from AmCap Mortgage set a condition of my loan to provide medical documentation as proof of documentation as an extenuating circumstance of credit difficulties. Additionally, as a condition of the loan I was asked to provide documentation of upgrades done to my home that has been over 9 years past. Additionally, we have been asked to provide evidence of property listed as for sale or rented to support my military XXXX move in 2006, which is over 9 years ago. I beleive the underwriter is asking for obsolete and unatainable information as set conditions for a loan.
Product: Prepaid card

Ive exhausted every option I have to use a gift card in and yet to been able to use a XXXX from this card. Its a {$25.00} gift card that is invalid in all places Ive shopped at, in-store and online.
Product: Mortgage

I am writing to try and determine where and or with what specific party I can file complaint against a Reverse Mortgage company that is acting in a unprofessional manner. I am an heir to an Estate and trying to determine the price of the home in order to purchase it. 

The Reverse Mortgage Company ( XXXX XXXX ) has been very evasive and constantly giving me varying information and I've never been able to speak to the same person twice. I've called in twenty ( 25 ) times  and it's a different person every single time. They have caused me much distress, a lot of money and time and I'm still not getting any real information that can be counted on. There end goal is to foreclose on the home and treat me like I'm illiterate and XXXX. I want the game playing to stop and I've made it perfectly clear I am a ready, willing, able buyer of the property but I am being ignored constantly no matter how much information I provide them. Documents already provided to XXXX XXXX : Death Certificate, Funeral receipt payment by me, Last Will & Testament, Real Estate Contract to sell my home, as well as signed, notarized Disclaimer forms where my brother, sister, third party waive all rights to the property. Leaving me as the sole heir interested in purchasing the home. Lastly, I've also signed and sent in XXXX XXXX short sale form and supposedly a Ms. XXXX XXXX ( short sale mgr. ) is supposed to get in touch w/ me about the process & appraisal. My family 's entire life is on hold trying to resolve this issue and it has left us feeling abandoned, adrift, and without any professional avenue to resolve the issue. 

Estate of XXXX XXXX XXXX ( birthdate : XX/XX/XXXX ) ( date of death : XX/XX/XXXX ) Home Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX # you said to not include that here XXXX XXXX  Phone number : XXXX My father passed away on XX/XX/XXXX and XXXX XXXX XXXX ( reverse mortgage started w/ XXXX XXXX back in XX/XX/XXXX ) is giving me double talk and trying to run out the clock on me and I've now had ten ( 10 ) weeks of time pass without any proper answers. I've been paying all the bills on the home including Flood Insurance , Home Owners Insurance, Taxes on the home, Water, Sewage, Electric, Trash, Internet service and am living in the home to satisfy the request of the Mortgage Company that is refusing to cooperate in a professional manner. I can not get an independent HUD approved appraiser sent by XXXX XXXX after asking for two ( 2 ) months. I'd like to be able to purchase the home once a " Current Market Value " of the home is determined. The home is under water and a price needs to be negotiated in order to purchase the home. Why can't I get straight forward truthful information from XXXX XXXX? All of the reviews online about XXXX XXXX have been extremely bad and their behaviors no matter how bad have gone without oversight. That is why I'm reaching out for help ... " I'm a ready, willing, able heir & buyer being ignored ".
Product: Credit card or prepaid card

My complaint is about my HOME depot credit card. 
I paid my balance off of {$78.00}, in XXXX XXXX this left me with a XXXX balance. 

I relocated to an other state on XX/XX/XXXX, I went to local Home depot and bought some supplies and also ordered some on line. 
On XX/XX/XXXX I receive a statement from Home depot, stating I am past due! 
According to home depot, their billing cycle ended on XX/XX/XXXX, and they sent a statement out that was due XX/XX/XXXX. I never received that statement, BUT I did receive one on XX/XX/XXXX. 
Home depot 's states it's not their fault if USPS did not deliver my statement. 
After reviewing my statement first charge posted is XXXX XXXX and a second on XX/XX/XXXX. So how could they even have been on a STATEMENT CLOSING XXXX XXXX? 
Then I was told I had a cease and desist on my account, and they were not allowed to call me, First I have never in my XXXX years ever heard of such a thing on a credit account, I asked when it was put on and by who? 
I was told it may have been put on it XXXX they were not sure and did not know who had put it on. 
I called back and asked for a supervisor, and was told it was put on, XX/XX/XXXX my the prior agent I talked to. DA! 
Then I WAS TOLD purchases were made on XX/XX/XXXX, but my statement has first one posting on XX/XX/XXXX. 

WHY SO MUCH MISINFORMATION? 
WHY SO MUCH OF TELLING LESS THAN THE FACTS? 

FACT ONE I did not receive a statement until XX/XX/XXXX their fault my fault USPS fault it doesn't matter. 

FACT TWO I have no idea what a cease and desist on a credit account is, and I never had one put on so WHO DID AND WHY.
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/XXXX on XXXX, it also states on XXXX it was charged off in XX/XX/XXXX, it shows no payment history on transunion.on XXXX every month it charges off in the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, shows no data in XX/XX/XXXX and Charges off in XXXX XXXX XXXX to XXXX charge off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX on XXXX it shows 120 days late in XX/XX/XXXX and on XXXX it shows 120 days late in XXXX XXXX XXXX  it shows date of late payment as XX/XX/XXXX and both XXXX and transunion it shows no date of last payment.On XXXX  it shows no balance update and no balance, on XXXX it balance updated XX/XX/XXXX and {$0.00} balance and on transunion it shows balance up dated XX/XX/XXXX and {$0.00} balance.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Enclosed is a copy of my most recent credit report
Product: Debt collection

I let the company know about how I tried to make payments back in XX/XX/2022 but was not able to due to the company crashing. I also gave them multiple phone calls to pay my payments but was never spoken to anyone due to high demand calls. I was repeatedly hung up, redirected or never directed to anyone in the company to make a payment during any of this time period from XXXX XXXX XXXX of XXXX It wasnt until XXXX where they were supposed to put me on a payment plan of only charging me XXXX XXXX  for 3 months to erase the late charges they accused me of but once I called back in XXXX they mistakenly never put me on a payment plan. So now they have me on a new plan with another charge of XXXX XXXX plus the late fee charges.
Product: Mortgage

I filed a complaint with you once Case number : XXXX and you did not investigate Stearns Mortgage and they have since retaliated against me and are costing me money. People look to your organization protect them and to help them and instead by filing a complaint they have retaliated. I hope that you will actually investigate them and work to make them fix my situation. After I filed the complaint they have not mailed me a statement. I had to contact them by email to actually get XXXX ( attached along with their reply ). They then sent my personal information via unsecured email. They also said they would mail me a copy and did not. You will note that my home address is correct on the statement. They transferred the servicing of my loan ( letter attached, which I only received via email after MULTIPLE attempts and being promised multiple times I would get a copy both via email and by mail. ) You will notice that the address they mailed this to is the property address, not my address. They have been correctly mailing my statements for years to the correct address but did n't send the transfer letter to my correct address. Not only that you 'll see that in their email reply to me when they finally sent me a copy of my statement they never mentioned that my loan had been transferred even though they had allegedly sent a letter over a week before and this was only days before they transferred my loan. I unknowingly then sent my check to them, weeks ago, and it has disappeared. The new servicer even admitted that they may have destroyed my check instead of legally transferring it as they should have. I have had to submit an address change with the post office to the property that is rented ( cost {$1.00} ). i am probably going to have atop payment on the check and then if it turns up get a fee for NSF, cost $ XXXX. I have my personal information along with loan amount and payment sent to tenants in a rental property. Cost will probably exceed {$5000.00} and I have to be worried about identity theft among other issues. And this because I filed a legitimate complaint and they can retaliate because the CFPB is not protecting me. I have multiple times been promised things from Stearns including all kinds of responses and they mostly fail to respond .This is completely ridiculous. I also believe this may have been racially motivated.
Product: Mortgage

XX/XX/XXXX we got help from XXXX XXXX XXXX they sent our mortgage company {$35000.00} and a XXXX loan to catch up our arrearage and the rest was applied to the principal which brought our payoff to XXXX. Then our mortgage got sold to a different debit collector. We sold this place in XXXX XXXX XXXX and for some reason our payoff after 7 years of payments it was still at XXXX where did our payments of 7years go to. This loan switched hands at least 6 times before we sold it. I feel that the payoff on XXXX XXXX was wrong. We had also with the XXXX had a deferred amount that was to be paid at payoff was added to our balance a least 3 times the amount was {$8200.00}. I am hoping that you can look into this matter so no one else feels used like we do.
Product: Vehicle loan or lease

I am mentally XXXX and another individual that is mentally XXXX at which I didn't know at the time of signing the paperwork for the vehicle is mentally XXXX. I didn't know we were signing up for a vehicle loan and I didn't know the individual is mentally XXXX at the signing. I never could afford or pay for the loan. I am illiterate and have a learning XXXX. If I knew we were signing up for a vehicle loan I wouldn't have did it with any individual. Now it's affecting my credit score and stopping me from getting a vehicle and a vehicle loan which I knew no knowledge of.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My XXXX Pennsylvania state tax refund of {$1900.00} was significantly delayed due to additional paperwork I had to submit and the states slower-than-normal processing. Once it was finally approved, I contacted my former tax preparer to update my banking information. They assured me that my new banking details were updated, but because they use a third-party service to deposit funds, the refund was still sent to my old PNC account on XXXX account that was closed in XX/XX/XXXX. 

On XX/XX/XXXX, after spending hours on hold and being transferred between multiple representatives, I finally learned that PNC applied my entire tax refund of {$1900.00} toward an outstanding debta debt I believed had already gone to collections. I was never notified of this balance, never received a letter, and had no opportunity to dispute or address it before they took my money. 

I immediately requested a refund and a formal dispute, but I was told no. When I attempted to escalate the issue, I was hung up on during the dispute process, and my call was never returned. 

I am currently in the process of filing for bankruptcy ( through XXXX ), which is why I had no intention of paying this debt. The process has not been finalized yet because I am still gathering documents. However, PNCs actions have caused financial hardship by taking funds that should have been returned to me.
Product: Debt collection

I attended XXXX ( GA ) in 2013. I withdrew from school. I assumed federal student loan debt, that I am now repaying. XXXX has been seeking debt, on what they say is a balance left on my student account. However, I received financial aid in grants as well, which created a refund, when I was enrolled. I have disputed this amount several times, with no proof of debt. Also, XXXX has sent this debt to a collection agency, which I have disputed. I received a ledger report of my account from XXXX that displays a refund dispursent, that then was reported as a EFT ( Electronic Funds Transfer ), to who (??? ) no one is able to tell me. The student finance representative told me, it was a re-coopment back to my financial aid lender. When I call the financial aid lender AND the NSLD ( National Student Loan Directory ), they have no record of another financial lender associated with my name, as well, no record delinquency or re-coopment of funding sent to the XXXX. I was advised to request validaty of the debt, submit a copy of ledger report, and proof of student loan repayment, to the credit reporting bureaus to disputed debt. When I call the collection agency ( ATG CREDIT LLC. ), the representative could not provided legitimacy of the debt, and that the school would have that information. When I advised her that I spoke with the school, student loan lender, and the NSLD, and was unable to get the requested information, she advised me to call the parent company of school ( XXXX XXXX XXXX ), and hung up in my face. I called XXXX, and that representative told me they did not have the details of the the debt and told me to call XXXX. When I told him I had went in circles already, he gave me an email to send my disputement to. I am tired and frustrated and need assistance to resolve this matter. It has/is hurting my credit score, reporting, employment, and lending options.
Product: Credit reporting or other personal consumer reports

After I received something in the mail that informed me about a debt I was being asked to pay. After calling the number provided on the notice, I disputed things. When they sent me the verification they had, it was different than what I had been received from my previous property manager ( the creditor ). After speaking with XXXX XXXX, they asked me to send them what I had showing I did not owe anything. I sent them what I had, that included the more detailed itemized list of what the creditor is wrongfully attempting to collect, as well as a stipulated agreement signed by the courts that states clearly that I would not be held responsible for certain things that is what Im being now billed for. I did recently realize that the date shown as the date that I allegedly moved out by is not correct. The creditor put down that I moved out on the XXXX of XXXX. I actually moved out by the XXXX of XXXX. If I had stayed past the agreed move out date then I assume that something would have been filed with the courts or the sheriffs would have been contacted to remove me. Nothing of the sort ever happened because I was out by the date I agreed to be out by.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2023, I sent a certified letter to Penn Credit Corporation/ XXXX XXXX XXXX XXXX XXXX Account : XXXX Balance : {$300.00}, to validate the debt, to no avail has the debt been validated by Penn Credit Corporation , and or the findings has not been forwarded to me.
Product: Credit card or prepaid card

XX/XX/XXXX - Purchased engagement ring for my Fiance at XXXX XXXX in XXXX, NJ. Opened account with XXXX XXXX to finance the ring XX/XX/XXXX - Returned original ring and received a new one XX/XX/XXXX- First payment was made with a finance charge Received the following charges on my account thereafter : XX/XX/XXXX FINANCE CHARGE Charged {$36.00} XX/XX/XXXX FINANCE CHARGE Charged {$23.00} XX/XX/XXXX PAYMENT-THANK YOU Payment - {$180.00} XX/XX/XXXX FINANCE CHARGE Charged {$36.00} XX/XX/XXXX FINANCE CHARGE Charged {$23.00} XX/XX/XXXX FINANCE CHARGE Charged {$37.00} XX/XX/XXXX FINANCE CHARGE Charged {$24.00} XX/XX/XXXX PAYMENT-THANK YOU Payment - {$180.00} The company, rather than return my original ring purchase and add the new ring purchase, tacked on the new ring purchase on top of the other, charging me two times a month for two separate purchases. Now, I am receiving finance charges for the original ring which was returned AND the new ring.

This was reported to the company who services the loan and no determination or refunds have been issued or communicated. I continue to receive TWO finance charges per month for ONE purchase.
Product: Debt collection

AFNI has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Every few months equifax takes atleast XXXX points from my score without explanation. They took XXXX points from me months ago and when I called XXXX of my points reappeared. I use credit karma and all balances reported had gone down but XXXX points were gone.
Product: Consumer Loan

I was late on my payment, however I made the correct payment amount on my account. Now they 're charging me again for the same month which I paid for for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute these unauthorized inquiries via phone/letter 2 times. I am being ignored this is against the FCRA. These inquiries do not belong on my credit. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX DELAWARE XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bread Savings will not add my spouse as a joint owner on the Certificate of Deposit Account opened on XX/XX/2022. The original complaint was filed with the FDIC and then the FDIC turned the complaint over to the Consumer Financial Protection Bureau. The CFPB followed up and was able to get a generic response from Bread Savings that is not to my satisfaction. I am requesting that this complaint be submitted once again and that Bread Savings be required to provide a response that is comprehensive. I also want to know why Bread Savings would not answer me directly when asked why they denied my wife to be a joint account owner. The funds that were transferred to Bread Savings came from a joint account.
Product: Debt collection

I received a letter from Phoenix Financial Services, a bill collection agency, that I was to pay them over {$20000.00} within 30 days or Id be reported to credit agencies. 

This bill was originally from XXXX XXXX XXXX XXXX XXXX ) for an XXXX XXXX  in XXXX ( over three years ago ). I had to be transported from my local hospital to my XXXX  hospital in a city several hours away in an emergency situation that was threatening my newly transplanted organ ( transplant was at destination city ). 

I never received any notice from XXXX over the past three years that I owed them any money this letter from collections is the first Id heard about any outstanding debt. After looking it up, I see that the statute of limitations for trying to collect this sort medical debt is 4 years where I live ( in CA ). ( but again, I never heard a thing from XXXX ) ) I called my insurance company today ( XXXX XXXX XXXX XXXX XXXX XXXX CA ) and they said that XXXX *did* bill them and that XXXX XXXX paid them over {$3000.00} my share was to be {$250.00}. ( they are sending me a hard copy of my EOB ) However, I guess XXXX is *not* in-network. AND YET, they have an exclusive contract for services in my county. 

I guess this is an instance of balance billing which I understand is illegal in most instances in California BUT that ambulance companies can somehow get around this rule. Is this true? 

How to handle this? 

Im waiting for a call back from Legal Aid Foundation in my city ... and...

I called the State of CA insurance consumer hotline and, though very kind, they cant help deal with providers only private insurance companies. He suggested that I speak to a lawyer. 

Can XXXX XXXX XXXX this to me? 

I'm a rule-follower, pay my bills, keep my insurance updated, own my home... but this just seems wrong. Do I have any recourse? 

Thanks for any insights.