23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

on about XX/XX/year> I called Freedom mortgage about Escrow Disclosure Statement dated XX/XX/year> because I noticed my mortgage payment went up over {$500.00} a month. I called to address the reasons why my PMI tripled from {$210.00} to {$640.00}. PMI should never go up only go down. I was told they were going to do another assessment to correct. Nothing was done... Then on XX/XX/year> i sent an email to XXXX requesting they correct their mistake and return my PMI back to original amount which was agreed upon in the original closing documents. Nothing happened so I called them again on XX/XX/XXXX asking why nothing was corrected and was told yes they agree something is wrong and they were investigating. I asked if I could make a payment of {$2600.00} which is my normal payment of {$2500.00} plus an additonal {$100.00} because I knew my home owners insurance was going up {$100.00} a month. I was told at that time not to make the payment until this gets resolved. I asked for this to be documented, which they agreed and then asked if it would be better to do a skip payment this month since this issues is their fault l. I was placed on hold for an extended period at which time I requested a call back. Noone has called back. I fear they are stringing me along and fear they are putting my mortgage in jeapordy of default which will affect my livelihood.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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

Disputed NCB Management Services account serveral times with XXXX for reporting inaccurate information, not verify debt, double reporting same account on credit report labeling one account as collections and the other account as a current debt with original creditor as XXXX XXXX XXXX and XXXX with different debt amounts. The reporting year is also inaccurate causing the two accounts to appear on report beyond statute of limitations which would end XX/XX/XXXX not XX/XX/XXXX. I was not given any results or verification of debt after any of the disputes. There is a dispute statement listed which I did not provide.
Product: Mortgage

I have a complaint already with you # XXXX. LoanDepot The company processed my XXXX 2017 payment under the wrong account. I have called the company four times and explained to customer service that they credited the wrong account. They have not yet fixed the problem. 
I can not make XXXX 's payment until they fix this error. No one is helping me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX.
Product: Debt collection

Barclays card was applied for in XXXX for a timeshare. That was used for the down payment of {$4000.00} usd on XX/XX/2018. I have multiple cards and never got approved For an amount of {$4000.00} usd. The sales person in XXXX had to faked my annual income. That how I got approved so easily. I have asked Barclays for my application multiple times and they can not find it in their system. The timeshare purchased and was false and misleading information was given. I took it to litigation with XXXX which is the XXXX consumer protection. The time share was completely canceled. I asked the hotel chain to please return the XXXX they stated no it was out of there hands to dispute with the credit card. I never used the timeshare at all! I dont want anything to with the hotel chain! I do not find it fair that they lied to me and scammed me and I am responsible for paying the card when I will never use there services! I came into an agreement with Barclays to pay XXXX and change to have the card paid of as settlement.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I sent a dispute letter to Trans Union. And on XX/XX/year>, I submitted the dispute again via the CFPB, which assigned dispute # XXXX. On XX/XX/year>, Trans Union responded by stating that it could not locate a credit report. Under the FCRA, Trans Union was required to respond within 30-days. Either Trans Union responded by verifying the disputed information as accurate and complete, or by deleting the information as inaccurate, incomplete or unverifiable. Clearly, Trans Union did not verify the disputed information within 30-days of receiving my dispute. Therefore, Trans Union must delete the disputed accounts from my report. 

Also, the same day that Trans Union stated that it could not locate my credit file, Trans Union responded to CFPB dispute XXXX by stating that it located my credit file and was sending me a copy of my credit report. This response clearly contradicts Trans Union response to CFPB dispute XXXX. And it shows that Trans Unions response to CFPB dispute XXXX is unreasonable. Clearly, Trans Union needs to delete the disputed accounts.
Product: Checking or savings account

On XX/XX/XXXX, I called a number from a letter I had received in the mail. The letter had no company name on it or any of their information. It was a letter telling me about ways I can potentially get student loan forgiveness. I called the number and a man answered by the name of XXXX XXXX. He proceeded to explain to me what the company did. He told me that they submit forms to the loan servicer for debt consolidation, once the debt was consolidated, I would get a lower payment rate of {$39.00} a month for 240 months to pay off my loan. He mentioned that after the 240 months, whatever was remaining for the loan would be forgiven. He then asked me for my XXXX XXXX. Which is something that should never be shared, but at the moment I was naive. He then proceeded to ask me for my bank information for a payment of {$790.00} that would be divided into XXXX separate payments of {$390.00}. They withdrew the {$390.00} from my account on XX/XX/XXXX. The reason I found out it was a scam was because I received an email on XX/XX/XXXX from the U.S. Department of Education that my account had suspicious logins. The Department of Education advised me to change my XXXX XXXX, they also had information about fraud prevention. To my surprise, that is where I learned I was being scammed because it stated to never share your XXXX XXXX. 
I then proceeded to go on the companies website where they had a location listed so I googled to verify if they were a legitimate business ( XXXX  ), the location was a storage unit. Then I proceeded to call Wells Fargo to explain the situation and put a stop payment into place. I also closed my bank account and open a new one. Additionally, Wells Fargo began a claim for the {$390.00}, and told me I had to wait 10 business days for a resolution. I just received a letter from my bank stating that the claim was closed because it was found that the charge was an authorized electronic payment. I also put a fraudulent alert on one of the credit bureaus, since this company had my personal information. Additionally, I reported this to the U.S. Department of Education ; they told me to just keep an eye on my account for any further suspicious activity as they can not prioritize my account due to the millions of accounts.
Product: Debt collection

I respectfully request that this collection be immediately removed from my credit. I was not aware of this collection until I was checking my credit report on XX/XX/XXXX and noticed the collection placed on XX/XX/XXXX for {$550.00} on my credit. I called the collection company on XX/XX/XXXX and asked about the collection. They told me that it was related to an unpaid balance for Auto Insurance with XXXX. I explained that I switched Auto Insurance companies a year before and I was not aware of any amounts pending. The collection lady was very friendly and mentioned that sometimes auto insurance companies add penalties or get rid of discounts when one does not notify the insurance company of the change of insurance, so I decided to pay the reduced amount. I've been expecting the collection to be removed from my credit report, first because I was not aware of the allege debt, did not receive a warning of collection and was not given the chance to dispute or validate the debt and second because I paid the reduced amount suggested by the collection lady. I had an expectation that the collection would be removed by now since it was not properly addressed either by XXXX not by the collection company ( except for the fact that the collection lady was very friendly and offered the settlement ). Notwithstanding the above, I wish to state for the record that I paid this settlement offer to clear my credit report and not because I owed any money and because I though the derogatory mark would be removed from my credit. As I understand the Fair Credit Collection Act, in cases where the consumer is not given a change to validate or dispute the allege debt, the collection should be removed. I should have probably dispute the debt first but the collection lady was so friendly that I thought it would be removed if I paid it instead of disputing it.
Product: Credit reporting or other personal consumer reports

Experian closed the complaint number XXXX prior to providing a final resolution. The company 's response demonstrates that the matter has not been fully investigated or addressed. Please see the following taken from their response : " Upon completion, an updated copy of the credit report will be forwarded to you for review. '' Further, the following issues were not addressed in the response : 1.I requested copies of all investigative reports from XXXX of XXXX ; 2. Why the Experian has disregarded a valid court order ; and 3. Why Experian has not followed the standard practice in XXXX  v. Experian Info. Solutions, Inc., Case No. 05-cv-01070- DOC ( MLG ), ( C.D. Cal. Nov. 2, 2011 ), compel the CRAs to follow their standard practice and presume that all unsecured debt were discharged in bankruptcy and update accounts accordingly. 

Therefore, the dispute has been closed prematurely..
Product: Mortgage

My wife and I, who have been home owners for the last 16 years, and who have lived in our current residence since 2009, applied with Quicken Loans to refinance our current first-lien mortgage. We both have excellent credit. We completed all the application and required paper work, and provided all requested supporting documents within the first 6 hours of the process XXXX including tax returns, XXXX 's, XXXX 's, XXXX 's, and XXXX 's ). Since that time it has been over 2 months and we have not received an approval notice and we never received an adverse action notice. In fact, except for a few phone calls initiated by us, there has been no communication. It is my understanding they only have 30 days from the completion of the application to notify us if a decision. During this time interest rates have moved in an unfavorable direction. The more time that transpires the more money we are losing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This acct # XXXX does not belong to me.
Product: Credit card

I 've had an American Express XXXX XXXX for years. In XXXX 2016 I applied for, and on XXXX XXXX received an email that I was accepted for, an American Express Premier Rewards Gold Card. I received a letter in the mail confirming such a few days later. The card was supposed to have been sent then. 
After waiting a couple weeks for the new Gold Card, I contacted American Express through their online chat ; the rep said I would receive it in a few days but I did n't. Twice more when the card did n't arrive I chatted with a representative, each of whom said I would receive it in a day or two. However, the only thing they did was cancel my OLD ( XXXX ) card, which I did n't ask them to do. This was a big inconvenience, as in cancelling the old card, they also changed the number. And, I never received my new, gold card. 
Today I chatted online yet again with an American Express representative, 'XXXX ', who did not seem to understand XXXX well. Or perhaps she was just a poor reader. She said ( wrote ) that I had phoned to cancel my old ( blue ) card, which I had not. ( She told me to call a number to report the fraud, but I told her to do it as I 'm tired of dealing with incompetent American Express representatives ). She did n't seem to understand or know anything about my new gold card which was supposed to have been mailed to me a month ago. So I asked her to transfer me to her supervisor, which she did ( XXXX ). 
XXXX at least seemed to understand XXXX, and said that my new ( gold ) card had been mailed to me XXXX XXXX. Although two previous representatives with whom I 'd spoken had given me other ( earlier ) dates that the card was supposed to get to me, so I do n't trust that it was mailed XXXX XXXX either. He told me to phone a number to see where the card was. However, I had no desire to waste my time dealing with yet more incompetent American Express representatives, so I asked him to phone them, but he said he could n't. Nor was he able to email me or send me a message through the web site about his communication with them. 
Finally I told him to cancel both my old blue card and my ( non-existent, never arrived ) gold card. 
It is absolutely pathetic that American Express is incapable of dealing with such a simple process as sending out a new card.
Product: Credit reporting or other personal consumer reports

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

I told the Experian, XXXX and XXXX to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 XXXX years.

15 USC 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. 

Also they aren't in compliance with Public Law 91-508 & Amendments or XXXX XXXX XXXX reporting. I have evidence to prove my case.
Product: Credit card or prepaid card

While returning on a flight from XXXX to XXXX on XX/XX/2018, I received a flyer from a flight attendant for a Delta Sky Miles credit card to join for XXXX bonus miles. The following day, I contacted the phone number on the flyer, and explained that I wanted to acquire this Sky Miles Delta card for the XXXX bonus sky mile points. 
I spoke at length about what I would need to do to follow all criteria on obtaining this card, and I agreed. I asked about cancelling the Blue American Express Delta Sky Miles card that was in my husbands name, and said that was no problem, as this was in my name. 
I was sent an email with Ref. # XXXX as my thanks for applying, telling me not to apply for another Gold Delta Sky Miles credit card during the application process. I did not. 
On XX/XX/2018, my new Delta Sky Miles card was sent. I enrolled in Online Access. 
I was sent an email that the Blue Delta Sky miles cards were cancelled. 
I proceeded to follow the rules of using the card to make sure I got my XXXX bonus sky miles, even calling American Express to make sure I was doing what I was supposed to do, and calling also about the {$50.00} Delta purchase I needed to make. 
In total, I probably called 6-7 times in the 6 months we were using this card.

One of the times I called, I spoke with a fellow about when my sky mile points would be posted. He wasn't exactly sure, but told me to wait until my XX/XX/2018 bill. He said " Don't worry, they will be on then ''. 
When I got my bill the end of XXXX, 2018, the points were not on, so I called. The person I talked to told me I was not enrolled in any special bonus points program. After speaking to him for about 10 minutes arguing about that fact, I asked to speak to a supervisor. XXXX came on the phone and told me that I was not enrolled in the program, When I asked what she was talking about, she said that I had already had a Delta Sky miles card in the past, so was not eligible for another one. She also stated that there were NO record of any calls from me to American Express in the last six months! I asked her if " I was in the XXXX XXXX? '' I was never, ever told this by anyone in the 6 months since I applied. 
If I had been told that, I never would have applied for this one. Why would I cancel a NO FEE card for a {$95.00} a year FEE card? 
I sent a complaint to the Attorney General of Minnesota, and American Express wrote them saying I would NOT be compensated. That they had listened to the calls and I was told about having had a card before, so I would not qualify for this one. I WAS NOT TOLD that. I want to hear those calls. 
When I called XXXX XXXX who was working on my case, she informed me to contact your department.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Perform a Re-Inquiry of My Credit Report at XXXX XXXX XXXX 

Dear Sir/Madam : I am writing to file a formal complaint regarding a critical issue with the process for re-inquiring my credit report as required by the rules outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my XXXX XXXX XXXX account, despite my taking steps to correct this incorrect information.

I recently disputed the presence of a late payment on my XXXX XXXX XXXX account, which has been negatively affecting my credit history. Under the Fair Credit Reporting Act, I have a right to an accurate and fair credit report. Following my dispute, the credit agency was required to conduct a new investigation into the matter and ensure that any inaccuracies are corrected immediately. 

I request the Consumer Financial Protection Bureau to urgently investigate this matter and ensure that the credit agency complies with the standards stipulated by law. I request prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit agency and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your prompt assistance in this regard. 

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

I bought virtual currency also known as crypto currency through and American based company named COINBASE located in XXXX XXXX, Ca. The Currency I bought was Ethereum and in order to purchase through COINBASE I linked my COINBASE account to my checking account to electronically fund my COINBASE account. I purchased XXXX Ethereum worth roughly {$5000.00} COINBASE will now not let me sell the Ethereum crypto currency and return it 's value to my checking account in US dollars. 

I called 3 times to their " help '' line and spent over 3 hours talking, begging them to simply sell my crypto currency, Ethereum, and return it to my checking account. They would not do it, nor would they transfer me to anyone who would help me. They said someone would contact me and this has not happened. 

I believe they have stolen my money.
Product: Debt collection

This company has been contacting my family, friends and even neighbors. Today when I called and again had asked for written verification of the debt I was told to go to the website and look it up. I informed XXXX XXXX that I was in class and then going to the XXXX and did not have access to the internet. I again asked for written verification and was told NO. I then asked him for his address so I could send a written request and was told he was not giving me his address. I then told him I wanted him to stop calling all XXXX parties and to call my cell or home phone. He then said I was blocking his calls, but then in the same breath said he always reached my voicemail ( and not once has he left a message ). I again gave him my home phone and told him I was in class everyday till XXXX and then off to the XXXX from XXXX till XXXX. He then proceeded to yell at me and ask me about my financial situation and why could I not pay my bills. I said this was none of his business and again to stop calling and discussing my debt with others and he just laughed at me. I then said I was going to file a complaint against him and his office and he just laughed and said you know how many times a day I hear that lady. Go right ahead you dont scare me. I just asked again for the address he again said NO and I just hung up.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I have already notified the authorities and the Federal Trade Commission by completing an identity theft report. Please delete the following accounts from my credit report immediately. I didn't give permissible to furnish my information there's no reason for none of that derogatory information to be on there. 
FCRA section 604 ( a ) ( 3 ) 15 USC 1681 ( b ) As you know it is against the law to report any information not proven accurate. XXXX. Validation of debts_ [ 15 USC 1692g ] Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA you must remove the account from my credit report.
Product: Mortgage

I started a new loan with Home Point Financial in XXXX of XXXX. All payments towards the new loan including the escrow account were made per the terms shared by Home Point Financial. 

Not even 6 months later, I am being informed that my account has an escrow shortage and therefore I am now required to pay an additional {$510.00} per month to fullfill my mortgage payment and refill the escrow account. 

This is Unfair and Deceptive. The amounts that I had paid into my escrow account were determined by Homepoint at the time of application/acceptance. Importantly, there has been NO CHANGE in the monthly taxes or home owners insurance. There is no reason that my amount should suddenly go up so much with no changes.