23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I were self-employed up until XX/XX/XXXX when we had to close our company and lost all of our income. We had made every mortgage payment to our lender on time from XX/XX/XXXX to XX/XX/XXXX. I immediately reached out to the lender to inform them of what had happened and begin the process for a modification or forbearance on our home temporarily until we could obtain employment. I submitted all documents, forms, etc. and kept in close contact with them the entire time. I was first to obtain a job, but it was only part-time. The mortgage company denied our first application for not enough income. However, my husband obtained full-time employment in XX/XX/XXXX, making considerably more money than me. I resubmitted the application, with proof of his job, and they denied us again, this time for too much money, no hardship. One thing they do n't realize is in order for my husband to have this job, he must live in another city during the week, which adds another rental payment for living quarters, subtracting from his monthly income, not including travel and other living expenses. We are n't able to meet all of our expenses even though he has a good paying job. Apparently, they ignored this information and denied us anyway. I had attempted contacting them myself and was only met with hostility and told there was nothing more they could do. I did n't even receive actual denial letters of the reasons for denial, it was just verbal over the phone. In addition, when I would try to call, the person handling our case was never available and of course, they never returned my phone calls. I recently began working with a third-party company to assist us in going back to the mortgage lender for reconsideration. The individual at this third-party company was able to get to the people who had " our file '' and was told by a person in their underwriting department that technically, we should have been approved for a HARP modification, but the " investors '' denied it and will never agree to the modification. The person also stated that our lender denies 95 % of relief applications, regardless of the validity or hardship, and the company is not a good lender to have a mortgage with. I do n't know what else to do. We have full intent to keep our home, but need some relief for a bit until we can get our lives and financial situation back together. This mortgage company refuses to work with us, which is unfair, and someone needs to investigate them. We are not the only homeowners suffering because of this lender and they need to be stopped. We want help to save our house, but they wo n't help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

First this account is not mine. Second, it has been reported different on each credit report. One says open, one says closed, and the payment history is different on all three.

15 U.S.C. Sec. 1681i ( a ( delete if inaccurate ) I have reported this and nothing has been done. 
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX  XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 602 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions and consent. 
15 U.S.C 1681c. ( a ) ( XXXX XXXX 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 ) ( XXXX XXXX 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, credit repair services, or other personal consumer reports

I have sent multiple dispute letters to the bureaus to have these accounts removed from my credit profile : XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have not received any verification of debt or reply. Company violated the cease and desist by reporting any proof of debt or signed document by me that validates the debt and it's been over 90 days. Laws in 15 USC 1692 have been violated by the company 's actions and I request you to remove these negative accounts from all bureaus IMMEDIATELY! I will be looking to file an suit and complaints with FTC because my rights and livelihood has been affected by their actions.
Product: Mortgage

To Whom It May Concern, I recently applied for a home equity loan with PNC Bank for the amount of {$25000.00}. My initial loan estimate indicated that the estimated payment would be {$510.00}. 

The assessed value of the property per PNC 's assessor was {$530000.00} ( though I note that the assessor did not account for XXXX square feet of livable space ). My current mortgage balance is {$380000.00}. 

On XXXX XXXX, the underwriter issued the following request via email : '' Homeowners insurance dwelling coverage is insufficient. Will need dwelling coverage increased to cover total liens {$400000.00}. " This request is the reason I am filing the complaint. Homeowner 's insurance covers the value of the dwelling ( which per my homeowner 's insurance policy is ~ {$250000.00} ), not the value of the outstanding loan. The figure the underwriter wants to cover through my homeowner 's insurance is the outstanding balance on my mortgage ( {$380000.00} ) plus the value of the loan for which I applied ( {$25000.00} ). What the underwriter seems to be requesting, then, is something equivalent to Personal Mortgage Insurance ( PMI ). 

Even with the low assessment value on the property, the sum of my mortgage and the loan for which I applied would result in a loan-to-value ratio of XXXX %. Banks are required to drop PMI once the loan-to-value ratio reaches XXXX %. 

There are XXXX specific concerns here that I would like to bring to the attention in light of the above summary. 
1 ) The underwriter is asking for one type of insurance ( PMI ) that according to the rules is not allowed. As such, s/he would seem to be asking me to provide that insurance through my homeowner 's insurance. This is either an instance of gross incompetence ( i.e. confusing homeowner 's insurance with PMI ) or an attempt to skirt an existing regulation regarding PMI and, therefore, asking me to shoulder a cost that is not required vis. my loan-to-value ratio. 
2 ) The second concern is that the requested additional coverage would result in a significantly higher cost than was provided in my loan estimate. This expectation was not disclosed in my loan estimate and, as such, this request constitutes a violation of the Truth in Lending Act that obligates PNC to inform me of all expected costs. 

I have written documentation of all facts mentioned above that I am happy to forward to you. Should you require them, please do not hesitate to contact me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX Account # XXXX is reporting inaccurately through all credit reporting agencies. This Account has been written off and Charged-off on all three credit bureaus the balance should be reporting a XXXX balance, If the company has written the account off bad debt, the IRS states that this has now become income and income should not be reporting on my credit report. After numerous attempts of disputing with the the Credit reporting agencies and failed thorough investigations I would like to see this account removed from my credit report. In addition to the Credit reporting agencies is reporting inconsistent " date of last activity '' on all three credit reporting agencies. 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax:XXXX  The inaccurate reporting is Violating my FCRA rights.
Product: Mortgage

Around XX/XX/2020 applied for a home loan conventional financing and the Mountain West financial denied me and never gave me a conclusion explanation they cost me over {$1300.00} dollars in perdiem fees from the seller. I feel they should pay me back plus pain and suffering of another XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, I filed complaint XXXX that Experian had falsely told XXXX XXXX that I have " too few accounts currently paid as agreed. '' I have no accounts unpaid as agreed, as even Experian 's records showed. 

On XX/XX/23, I received an email from you that Experian told you it was working on the issue. 

Also on XX/XX/23, I received an email from Experian that told me my dispute results are ready. When I went to the link I received a notice ( both attached ) that " Your dispute results are currently available online ''. When that notice remained after two days I called Experian at the ( XXXX  ) number given and, after 10 minutes of voicemail diversions, I finally spoke to XXXX who told me that no results would be given on line and they Experian isn't doing anything to correct their records or let the creditor know they were incorrect. 

Attachments in one pdf : ( 1 ) Experian 's email saying that the results are ready ; ( 2 ) Screenshot saying results are not available ; ( 3 ) original XXXX notification that they'd been told by Experian that I have accounts unpaid as agreed.
Product: Debt collection

We ended the lease beforeXX/XX/2023. The manager of the XXXX XXXX XXXX XXXX apartments stated she wanted to replace the carpet and vinyl, which was not damaged. She said the insurance on the unit would cover the cost of replacement and there would be no charge billed to my father. I informed her there was no damage. She said she knows. This is what they do for all the units to replace everything. I had applied for several apartments and was denied. One of my applications was held up for approval due to the {$1400.00} bill. I went back to the XXXX XXXX XXXX XXXX, and the manager said, no, there should not be a charge to you. She gave a statement and email confirming {$0.00} charge. She said this was happening to more than one resident. Shortly afterward, we received collection statements from XXXX XXXX XXXX  and the Law Office of Brett M. Borland. P.C. This has negatively affected my father 's credit and prevented him from obtaining senior housing near me. He is a XXXX victim XXXX XXXX XXXX XXXX. Since then, I have tried to speak with the collection agency and law firm. This is my 2nd electronic dispute and I mailed a letter explaining the situation with documentation requesting they remove this from his credit. I contacted the manager at the XXXX at XXXX, and she said she has reached out to correct this matter, but nothing has happened. The insurance company the apartments are using is ripping the seniors off. We are not sure who this insurance company is because the collection letter is coming from the XXXX at XXXX XXXX. The balance on her file is {$0.00}. I am the daughter and power of attorney of the consumer. The power of attorney documents can be sent to authorize me to speak on my father 's behalf. I am running out of options to correct this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the last 3 months I have filed several disputes with this company clearly stating that I would like a fair and real investigation to be done. This company refuses to comply with HIPAA repeatedly reporting a medical account that can not be verified, and also an account that is currently in violation of HIPAA due to releasing medical info without proper authorization. I also disputed another account with them several times ( XXXX XXXX ) that is not my account. This account is also unverified and was opened by someone when I was under 18. Even though I asked Equifax to verify the validity of this account, they still have not removed this account from my consumer file. I called XXXX myself, spoke to a supervisor and confirmed that they have no XXXX account in my name. Equifax refused to comply with the FCRA.
Product: Credit reporting or other personal consumer reports

I received negative reporting from Upgrade ( XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, AZ ) Between XXXX and XXXX of 2023, Upgrade is reporting my status as 30 and 60 days delinquent on Trans Union and Equifax. TransUnion shows XXXX as 30 days and XXXX as 60 days, Equifax shows XXXX as 30 days and XXXX as 60 days. 

This matter was brought to the attention of XXXX who then provided email confirmation recognizing that the delinquency was incorrect. XXXX was updated however the other bureau 's were not. 

On XX/XX/XXXX2023 I entered into an agreement to pay {$180.00} on XX/XX/XXXX/23, XX/XX/XXXX23 and XX/XX/XXXX23 for account number XXXX. All three of these payments were made and proof is attached. 

The XXXX payment was made on XX/XX/XXXX2023 when I spoke to the representative. The XXXX payment was made on XX/XX/XXXX/23 and the XXXX payment was made on XX/XX/XXXX/23. None of these payments were 30 or 60 days late.
Product: Credit card or prepaid card

To Whom It May Concern, I have been a XXXX XXXX XXXX Member of Bank of America since XX/XX/XXXX. Being a XXXX XXXX XXXX Member, I have always been provided a 75 % Total Cash Rewards Bonus when redeeming Cash Rewards. This is simply done by clicking on Redeem Cash Rewards Button on the Reward Tab within the Bank of America website. This is the way my Bank of America Cash Rewards Visa XXXX XXXX Credit Card ( ending in XXXX ) works. 

Having earned {$3000.00} in my Total Cash Rewards Bonus, I wanted to cash out my Rewards Cash and to make an expensive XXXX XXXX XXXX XXXX. Prior to purchasing the computer, I called Bank of America Cash Rewards Dept. and spoke to XXXX on XX/XX/XXXX to confirm the 75 % Cash Out Reward which would be applied to the {$3000.00} making it {$4500.00}. Note : I failed to do the math properly and only calculated a 50 % Cash Out Bonus to be redeemed at {$4500.00}. I then asked if it made a difference as to how I applied the Cash Rewards Bonus redemption, that being to my Checkings, Savings or Credit Card. She stated it did not make a difference how I redeemed the points and that I should receive the additional {$1500.00} cash rewards redemption. 

After XXXX confirmed the 75 % Bonus would be applied to my credit card, I clicked on the Redeem Cash Rewards of {$3000.00} and applied it to my Credit Card. I waited 24-48 hours to check my credit card balance and all I saw was {$3000.00} deducted from my account summary, not the {$4500.00} which should have been {$5200.00} as a 75 % cash Out Redemption total. I never saw the Cash Rewards Bonus of {$1500.00} ( 50 % Redemption ) or {$2200.00} ( 75 % Redemption ), I called up Bank of America several days later and they stated the plan and that the 75 % cash plan no longer gets applied when checking out. I went ahead with the purchase of the XXXX XXXX the very same day for {$4200.00} based on the conversation and confirmation that XXXX provided. She providing incorrect information which had me spend far more than I wanted to spend and I lost out on a Cash Rewards Bonus of {$1500.00} ( 50 % Redemption ) or {$2200.00} ( 75 % Redemption ). 

Having pursued this further, I spoke to XXXX and XXXX ( supervisor ) in Bank of America Bonus Rewards Dept. on XX/XX/XXXX. They confirmed that XXXX stated on a recorded line that I was entitle to the 75 % cash out bonus. They stated she provided the incorrect information and would get reprimanded. Well, reprimanding XXXX does not get me the {$1500.00} ( 50 % Redemption ) or {$2200.00} ( 75 % Redemption ) that I was told I was entitled to. I would like to get the 50 % or 75 redemption. 

Attached please find some 75 % Cash Out Redemption paperwork from Bank of America. 

Rewards Program 3 % on Online Shopping 2 % at grocery stores and wholesale clubs 1 % on all other purchases {$3000.00} Cash Rewards Value as of XX/XX/XXXX Cash Rewards 75 % Redemption : {$2200.00} ( Total : {$5200.00} ) Cash Rewards 50 % Redemption : {$1500.00} ( Total : {$4500.00} ) Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried calling but either disconnected while waiting or other issues. 

Experian : I am requesting the 'parameters ' used to determine their XXXX XXXX XXXX determination for the credit score matrix for ; 08, Too many inquiries last 12 months, 09, Too many accounts recently opened, 10, Proportions of balances to credit limits is too high on bank revolving or other revolving accounts, 14, Length of time accounts have been established, XXXX XXXX I am requesting the 'parameters ' used to determine their XXXX XXXX determination for the credit score matrix for ; 00005, Too many accounts with balances, 00014, Length of time accounts have been established, 00030, Time since most recent account opening is too short. 

XXXX XXXX : I am requesting the 'parameters ' used to determine their XXXX XXXX determination for the credit score matrix for ; 004, Lack of recent installment loan information 012, Length of time revolving accounts have been established, 014, Length of time accounts have been established, 030, Time since most recent account opening is too short. 

I would request their parameters for all the individual codes for future use. 

Thank you, XXXX
Product: Mortgage

Wells Fargo has misapplied payments on my loan ( # XXXX ) in XXXX causing me to be in default due to their admitted error. On XXXX/XXXX the payment was received and applied to the XX/XX/XXXX payment, loan was current. {$970.00} paid on XX/XX/XXXX by their request should have applied to the XX/XX/XXXX and XX/XX/XXXX payments. Why would Wells Fargo apply as a principal balance payment when there were XXXX payments due? Another normal payment of {$410.00} was sent in XX/XX/XXXX that at that point should have been applied as a current payment for XX/XX/XXXX. Then as their letter provided continues to state, they keep attempting to apply it to payments not yet due, so it is rejected. If the loan had past due payments, why arent the funds being applied to the past due amount? 

I have continued to make the monthly payment since their error and even though I pay every month, I am still considered in default. I have continually been assessed late charges due to Wells Fargos error of misapplying these payments and forcing me to be in default. The late charges of {$1000.00} need to be reversed and the funds applied to the principal payments need to be reversed and applied to the overdue payments to bring the loan current as they should have been in the first place. 

I can not tell you how many people have promised to remove the over {$1000.00} in late fees over the years and have never done it. I even spoke to Wells Fargo life events team lead named XXXX XXXX four times between XXXX XXXX of XXXX and she agreed with me that the late fees would be removed and she said her assistant XXXX would take care of it and to give her 24 hours. It has been over XXXX months later and they still have not been removed and this letter says they have no plans to remove them because my mother XXXX XXXX, the holder of the loan, had passed away in XXXX and they didnt get rid of the late fees for deceased people until XXXX. All that means is they stopped charging me phantom late fees ( even though we arent late ), but her having passed away has nothing to do with this. Its all about Wells Fargo misapplying the payments and no late fees would ever have been charged if they wouldve been applied correctly. They acknowledge they misapplied the payments in their letter but they say too much time has passed to reverse them. This is on them, not on me. I only sent in the money they requested and they misapplied it and here I am 10 years later still arguing over this! I have requested a payment history back in XX/XX/XXXX and they did not come up with it until XX/XX/XXXX, after continually asking for extensions. Any help you can give me in resolving this would be greatly appreciated. I dont want to lose my home over a clerical error. 

Sincerely, XXXX XXXX
Product: Credit card

Transaction of {$490.00} from merchant XXXX in XX/XX/XXXX The merchant did not honor the 30 days return policy and refused the return of the unused and unpersonalized item per return policy. I sent the policy to Apple Card as well as communication with the merchant and Apple Card denied my dispute several time saying the charge was valid, I was not disputing the validity of the charge but I was disputing the charge because the charge because I shouldnt have got my money back when the merchant was wrongfully denying me the refund that is promised in the policy if return the items. Initiating the return had to be done by calling or emailing customer support, and customer denied the returns and refused to send me the prepaid shipping label and return authorization form to send back the item. Any other credit card issuer would have handled this promptly because the merchant is at fault. 

Transaction of {$490.00} from merchant XXXX in XX/XX/XXXX The merchant did not honor the 30 days return policy and refused the return of the unused and unpersonalized item per return policy. I sent the policy to Apple Card as well as communication with the merchant and Apple Card denied my dispute several time saying the charge was valid, I was not disputing the validity of the charge but I was disputing the charge because the charge because I shouldnt have got my money back when the merchant was wrongfully denying me the refund that is promised in the policy if return the items. Initiating the return had to be done by calling or emailing customer support, and customer denied the returns and refused to send me the prepaid shipping label and return authorization form to send back the item. Any other credit card issuer would have handled this promptly because the merchant is at fault. 

Transaction of {$390.00} from merchant XXXX XXXX in XX/XX/XXXX I prepaid my stay at XXXX XXXX and I gave them my credit card just for the refundable deposit. They ended up charging for the whole stay again, even if I prepaid using a different credit card. I disputed the charge with Apple Card and gave them the credit card statement from the other bank as evidence as well the email confirmation that highlights the prepaid stay and denied the dispute several times. The dispute should not be reversed when the hotel that is outside of the country charged me twice and I had evidence to prove it. 

Apple Card waits months after the disputed charged and reverses them without explanation other that the charges are valid, no matter how much evidence I provide of being wrongfully charged. In my opinion, waiting all those months to resolve a dispute is what affects the outcome because disputes have a time limit and Apple Card is forced to resolve the dispute not on my favor just because of the time limit. 

Whenever I call customer service, they seem to understand that I was wrongfully charged but they dont have the final say in what will happen after they resubmit the dispute. It seems like everything just gets resolved in the merchant favor with Apple Card