23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America will not remove my PMI and Escrow account. I have 22 % equity on my home and they are asking for me to pay {$500.00} for an appraisal to remove the PMI. THEY are ripping me off every month by not removing this unfair fee.
Product: Student loan

Submitted reconsolidation documents trying to secure monthly payment and I keep being told to wait for a letter to arrive. No letter after 4 months
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im in the process of purchasing a mortgage loan and I had a dispute remark on my Equifax credit. I needed the remark removed before I could proceed with purchasing the home. Last month in XXXX they was able to remove the remark the same day, but the remark would keep appearing after a week. The remark came back in the beginning of XXXX and I called Equifax to get the remark removed. They told me it could take up to 30 days but the previous month they was removing it the same day! I kept checking every day to see if the item was removed and the customer service reps kept telling me the item was removed. I specifically asked has the item been removed and if my loan provider run my credit will the remark not show. He stated yes its been removed and it will not show. My loan provider ran my credit report and the remark was still showing. This happened two other times this month with Equifax reps telling me the item has been removed. I kept asking to speak to a supervisor and they would hang the phone up in my face or tell me a supervisor isnt available. I spoke with one rep and he told me the previous reps didnt know exactly what they were doing and every time I called they started the dispute over and kept putting in the wrong code for the item to be removed. My item still has not been removed from 3 weeks ago and the seller has decided to take another offer on the house. I have been able to get this matter resolved with XXXX and XXXX immediately, but Equiifax is not being professional and dont have the necessary training. I am speaking to a lawyer about this matter because theyre ruining people livelihoods. I have names of the reps and the supervisor and confirmation numbers. ( Supervisor name ) XXXX XXXX and service rep XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL THE FOLLWING UNAUTHORIZED FRADULENT INQUIRIES FROM MY ACCOUNT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IAM A VICTIM OF IDENTITY THEFT PLEASE REMOVE ALL OF THE UNAUTHORIZED FRADULENT. I have filed a police report
Product: Mortgage

I am going through a divorce. I am XXXX percent totally XXXX Veteran with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I receive {$4100.00} a month in XXXX compensation. My home is in a forbearance and I had to fight with Carrington Mortgage to get this. All of this started aggravating my lupus symptoms and I put the home up for sale, however, I see my soon to be ex-wife has set me up in court not paying anything towards the home but minor repairs and utilities, saved all her money from her job, paid for an attorney, a new car and trying to ask for spousal support. I am trying to get the Veteran Affairs to work with Carrington Mortgage so I can keep my home. I recently got a name change and I tried submitting the documents to Carrington Mortgage, however, they are making it very complicated and discriminating against me to update my name is their systems. I feel as if I am being treat unfair and without dignity.
Product: Debt collection

The collection agency Louisiana Recovery Systems is violating my rights under the No surprise Act of 2022. 
I have two medical bills in the amount of {$340.00} and {$810.00} that an out of network provider is charging without my prior authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX today I contacted XXXX XXXX regarding account ending in XXXX, that is still showing up on my credit report. I spoke to someone in card services, who then transferred me to the recovery department who then transferred me to collections, then to fraud, then back to card services, then back to recovery, then fraud, then collections after speaking to 11 different people, a crossed 4 different departments, nobody was able to help me resolve this. I had previously asked for an itemized statement because I believe someone used my account. After speaking to someone in collections, they let me know that the balance was {$120.00} dating back to XXXX. I asked what I needed to do to get this off my credit report. They said they could not take any form of payment due to it being flagged by fraud and theyd transfer me back to the fraud department. I spoke to the fraud department and they said they couldnt take payments and would transfer me back to the recovery department I was then disconnected. 
Then on XX/XX/XXXX I received a phone call from XXXX XXXX requesting payment. I told them I would settle for {$120.00} if they agreed to a pay and delete and they agreed so I sent a letter with my check for them. 
On XX/XX/XXXX they cashed my check but it still remains on my credit report.
Product: Prepaid card

Our business has a longstanding relationship with American Express and we run millions of dollars worth of business through them. For many years I have purchased XXXX XXXX {$50.00} pre-paid gift cards to give to employees as gifts. I usually buy $ XXXX worth at a time. They come in individual sealed envelopes and we give them as gifts in these envelopes. This year we had a number of people tell us that, when they went to use the cards, they had already been used. I can't imagine how many other people were too embarrassed to even tell us they had this problem. After extensive phone conversations with XXXX XXXX it was obvious that they would not rectify the situation. I explained that their computer system must have been compromised as these cards were never out of the envelope before they were gifted. They told me that I should get the cards back from the people and contact the stores where the cards had been fraudulently used. I was incredulous that this was their response. I stated that I wasn't even going to ask them to cover the cost I incurred by having to pay these people with cash when their cards failed to work. All I want them to do is take back the unused cards we have and replace them with new ones that work. They said they would not be willing to do that and would not refer me to anyone else in the company to appeal this decision. They could not have been less interested in our problem. Looking online it is apparent that many others have experienced the same problem.
Product: Mortgage

I, XXXX XXXX XXXX originated my loan last XXXX XXXX, 2003 from XXXX XXXX XXXX with 6 % interest rate at the time of the purchase of my homestead. My loan had been transferred to SN Servicing Corporation. From 6 % SN Servicing Corporation had signed me note with 7.370 % rate. I had undergone medical operation. My health circumstances had affected our finances yet I continue to pay my monthly mortgage & dues of {$2000.00} to the bank faithfully. 

I had requested for the Federal Government 's Home Affordable Modification Program that made available for home owners like me. In order to assist me avoiding the foreclosure. I had already communicated with them and sent all requirements to SN Servicing Corporation yet they did not consider my loan that was originated the Deed Of Trust on XXXX XXXX, 2003. SN Servicing Corporation have not dealt to me in good faith until this moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  accounts XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Mortgage

Freedom Mortgage Corporation manages an escrow account for the property I purchased XX/XX/XXXX. Although they have used the account to pay the residential property taxes ans property insurance - they failed at paying the taxes on a separate tax parcel that was included in the mortgage agreement. 

Despite my multiple attempts to resolve the situation, my closing company 's multiple attempts, and my original loan servicing company 's multiple attempts to resolve the situation, Freedom Mortgage Corporation has neglected to pay the taxes for that parcel - despite the escrow account having the required funds to do so. 

As a result, late fees and penalties were incurred due to this mismanagement of the escrow account in breach of the original mortgage contract agreement. 

I have since received a " refund '' check from that escrow account for the overage that I used to pay the complete tax bill including penalties. However, I feel as though Freedom Mortgage Corporation is liable for these fees, and should be reimbursed to me as a result - totaling {$470.00}. 

Freedom Mortgage Corporation has continued to ignore my requests that they respond via electronic correspondence so that there is a record of the interaction between us. 

They have also sent an indication that they intend to lower my monthly auto-payment of my mortgage payment to reflect these tax funds not being withheld any longer - forcing me to essentially start my own savings account to pay for the taxes that they are contractually obligated to collect funds for and distribute payment accordingly. 

I initially raised this issue on XX/XX/XXXX with Freedom Mortgage Corporation through my loan servicing company and real estate closing company. It is now over three months later, and even after threatening Freedom Mortgage Corporation with this impending complaint, they have still refused to respond.
Product: Credit card

Amex XXXX and XXXX announced a deal where members would get a full credit for the XXXX + subscription on their card if they signed up. This went fine for a few years. 
On or around XXXX XXXX my amex XXXX expired and they sent out a new card. 
Unbeknownced to myself they changed the card used so I lost the benefit without knowing it. They stopped applying the credits because XXXX was now using a different Amex card that did not have the benefit. 

Of note I have many subscriptions that use the Amex platinum and they continued without issue. For some reason XXXX has set up their subscription to go to a new card without any notification or consent. They also could have paused the subscription or cancelled it. Instead they charged a random card without telling me. 

this resulted in XXXX months of {$14.00} or {$330.00} in fraudulent subscription charges on a card without my knowledge or consent.. 

when I contacted XXXX they said they agreed with me but this change to a random card " happens automatically '' with NO NOTIFICATION to the user. They said they had no way to give a refund with their computer systems. Contacted Amex and they said becuase the subscriotpin was moved to a different card- they could not help. So here I am ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX responded to my CFPB consumer complaint XXXX informing me the Ocwen Loan Servicing is removing the Ocwen Loan Servicing mortgage account from all three major credit reporting agencies and went into detail responding to CFPB. Ocwen joined shady PHH mortgage, another shady operation thats had so many legal troubles. Ocwen transferred my so-called loan to PHH. Every since the transfer I have not been receiving any notification from PHH about my loan and I am unable to speak to a live PHH representative because every time I call the automated system says PHH is unable to transfer my call to speak to a live representative regarding my loan and to try back later. I have been unable to speak to a live representative and I am unable to access mortgage statements on PHH mortgage site. I do not know what payments are due. I believe shady Ocwen and phony PHH are once again attempting to intentionally rip off my home because thats what they do. PHH is illegally charging me false fees and reporting false information to all three credit reporting agencies. I demand to know what payments are due so I can bring the loan current. I demand shady PHH to remove the mortgage account from all 3 major credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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, NV XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX {$9700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company was dishonest as to stating they were following all guidelines required by the FCRA. Company is still in violation of Sec. 1681a. Definitions ; rules of construction which states The term Consumer report does not include ( A ) any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments consist of experiences between cras and consumer which are prohibited by the FCRA as provided below.
Product: Checking or savings account

I am writing to express my extreme dissatisfaction and frustration with the lack of resolution regarding an ACH fraud claim filed on behalf of my business account with Bank of America. The fraudulent activity in question amounts to {$XXXX}, and despite XXXX days having passed since the initial report, there has been no progress towards resolving this matter. 

As a loyal customer of Bank of America, I expected prompt and efficient assistance in addressing this issue. However, the lack of urgency and apparent ineptitude of your customer service department have left me deeply disappointed. Despite my repeated attempts to seek updates on the status of my claim, I have received no concrete information or timeline for resolution.

Furthermore, I took the necessary step of filing a police report in connection with this fraudulent activity. However, even with this additional measure, there has been no discernible increase in urgency from Bank of America 's end.

I must emphasize that this situation is causing me significant financial and emotional distress. Not only have I been deprived of a substantial sum of money, but the apparent indifference and lack of action on the part of Bank of America have only exacerbated my frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated m federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

An XXXX XXXX Account was opened and applied to my credit report under false pretense. I never applied to, attended, inquired, or signed any commitment to that academic institution. However it is has been applied to my identity and credit report, also creating a financial burden, mental anguish, employment denials, as well as held up my first home purchase which has rendered me nearly financially drained, as well as nearly homeless. My identity being compromised has not only been with XXXX XXXX. I am continually being harassed by this creditor and affiliates. I am also being denied fair opportunity to gain employment, home purchase, and other essential life needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2017 XXXX XXXX CDT I initiated a {$100.00} transfer to the XXXX using Moneygram and received an email with a reference number : XXXX. There was also a statement in the email " Your money transfer has been initiated and will be deposited to your receivers account as designated. '' On XX/XX/XXXX I checked the transfer and it still showed a status of " In Transit ''. I called Moneygram and after being transferred several times was told that Moneygram did not feel comfortable transferring the money. I asked why, and was told that they could not give a specific reason. They said they would refund the money to my account in 2 to 3 calendar weeks.
<P/>
So on XX/XX/XXXX, I initiated another transaction of {$100.00} to the same person. I received another email with the reference number : XXXX and again stating that the money will deposited in the receiver 's account. I called Moneygram later on XX/XX/XXXX and XX/XX/XXXX and again was told that they did not feel comfortable transferring the money and the money would be refunded.
<P/>
1. I do n't understand why they will not divulge what the reason is. In the past year I sent about 15 transfers to the same person, all around {$100.00} or {$200.00}. Why all of a sudden do they feel " uncomfortable ''?
<P/>
2. Why does Moneygram send me an email verifying that the money will be deposited and then afterwards cancel the transaction. They told me that the email is sent before their security team looks at the transaction. How XXXX is that.
<P/>
3. Why do they not even inform me that the transaction has been rejected. When I use their online system, it shows " in transit ''. No clue whatsoever that there is a problem.
<P/>
4. Why when I call do they ask for multiple pieces of information, and then transfer me 3 or 4 times and each person asks for the same information and then states that they ca n't resolve the problem and they have to transfer me.
<P/>
Moneygram worked fine for a year, but at this point, I would never do business with them again. Their customer service is the worst and they have some fundamental system problems.
Product: Student loan

I have been enrolled in an Income Base Repayment Plan for a few years now with my federal loans through Navient. I recently submitted my recertification so I could continue to be enrolled in the IBR plan. I had not heard back from Navient so I decided to be proactive and give them a call. The first representative I spoke to said that I filled out the application wrong and as a result the application was denied. I demanded to speak with a supervisor. The supervisor told me that there was nothing wrong with my application and that she would push it through the process. This is unacceptable because if I had not been proactive my application would have been denied and I would have lost my IBR and would have seen my monthly payments go up over {$400.00}. This is not the first problem I have had with Navient and not the first time I have been given misinformation by their representatives. As a result of their negligence and misinformation I have seen my total loan balance with the company skyrocket. The company never once informed me about IBR plans, instead in the past they pushed me into loan deferments and forbarences that resulted in interst compounding and my loan totals doubling. I had to do my own independent research to discover that I was eligible for IBRs an lower payments. I have had nothing but years of problems with Navient.
Product: Checking or savings account

I bank with Current online banking. My account has been locked for about a month now dating back to XX/XX/2020. I was told Id be contacted within 3-5 days by their account service team which I have not. Ive talked to over 8 people and theyve all said the same thing. They wont unlock my account, contact me, or let me pull the money that was put in there from direct deposit out at all. Ive emailed them 5 times already and still nothing