23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was transferred to Fay Servicing in XXXX of XXXX. Fay Serving sent me a letter stating that my PMI payments will increase from {$230.00} to {$470.00}. In accordance with the Homeowners Protection Act, I sent Fay Servicing a letter requesting termination of PMI insurance. Fay Servicing has refused to cancel the PMI premiums by asking me to provide information unrelated to my situation. In XXXX of XXXX, XXXX XXXX XXXX ordered an appraisal of said property due to a forbearance request. The {$450000.00} appraised value and loan modification resulted in a 76 % LTV. My current LTV based on the same appraisal is XXXX percent. A copy of said appraisal was sent to Fay Servicing, but Fay Servicing claims it was unreadable, which is not true. Even if was not legible, Fay Servicing has a copy of the original appraisal on file from XXXX XXXX. My account was current in XXXX when I requested termination of PMI. 

Because my loan was modified, the original value means only the appraised value relied upon by the mortgagee to approve the refinance transaction. 12 USC 4901 ( 12 ) and 12 USC 4902 ( d ). According to the Homeowners Protection Act, XXXX XXXX was required to recalculate PMI according to the modified terms, but they failed to do so. 12 USC 4902 ( d ). As a result, I have paid {$8000.00} in PMI when federal law states I was not supposed to. A conservative estimate of the homes present value is at least {$550000.00} based on recent home sales, thereby resulting in a 60 % LTV with over {$200000.00} in equity. 

Fay Servicing is ordering me to pay an additional {$470.00} per month for PMI is unreasonable. In addition, the excessive mortgage insurance now makes my home unaffordable. The Homeowners Protection Act also states that, Following termination of private mortgage insurance ( PMI ), the mortgagor may not be required to make any more premium payments, and the servicer must return any unearned PMI premium no later than 45 days after termination. 12 U.S.C.S. 4902 ( e ) - ( f ). Therefore, I am requesting reimbursement for the unearned premiums. 

Fay Servicing is also refusing to apply late payment fees. An additional payment of {$340.00} for late fees was sent to Fay Servicing in XXXX. Although Fay Servicing has cashed the check, they have not applied said late charges to the account. Should you have any additional questions or concerns, please feel free to contact me at ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent inquiries from XXXX XXXX in XXXX XXXX XXXX XXXX And XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX  XXXX XXXX And XXXX XXXX XXXX On XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Repeatedly charged accounts that are not mine being double charged in the same accounts
Product: Credit card or prepaid card

I owed a minimum payment of {$230.00} to capital one towards my credit card. I received an offer in an email to settle the account for {$270.00}, I call capital one to discuss my options, I called and asked if the debt was sold off and was told it wasnt, so I then asked if I made the minimum payment will I be able to use my card again, I was told I was so I went ahead and payed the minimum payment of {$230.00} to keep the account active instead of settling, and closing it for {$270.00}. After making the payment my card still showed restricted, I called the bank back to ask what happened and I was told that the information I was told was wrong and once the account is restricted it can not be unrestricted, so I paid the {$230.00} for a card I cant even use again and still owe a remaining balance. When I mentioned what I was told by the agent they investigated and determined the agent didnt do anything wrong, when I asked for a recording of the call I was denied. I then asked was it possible that someone higher up can take the restriction off or allow me to pay the difference between the {$230.00} I paid, and the {$270.00} settlement offer and both suggestions were declined. Now Im hoping I can receive help with this matter.
Product: Credit card or prepaid card

Bank of america was constantly closing my debit card which had money on it from XXXX when bank of america froze my account the first time. I recently received a letter from unemployment saying they would unfreeze my account if I verified my identity. So my account was unfroze in XXXX of XXXX. Well ever since I've had it I was constantly having to call B of A customer service to have them unlock my debit card. When I asked them why they kept on locking me out of my account they said it was a security procedure. Well then about a week ago a purchase i tried to make was declined so I called them once again and the said it was closed by the EDD. Well I tried to get some answers through the unemployment website and read that the EDD didn't have any control over the benefits once it is put on the bank of america debit card. That if an account was frozen then it had to of been bank of america.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email on XXXX XXXX stating that my old Victoria secret credit card was no longer valid, that I needed to activate my new chip card I received in the mail. It had a button to click activate now, below that said need to request a new card with the number to call. I didnt recall seeing a new card from them so I instantly called the number listed ( XXXX ). I told the lady I never received it and she proceeded to tell me that a bunch of peoples cards were lost in the mail and I appeared to be one of them and it was no problem that she was going to get my card out. Then she said she was having some computer issues and was going to escalate it to another department and I should have my card in about 7-10 days. Two days later I get alerts from my credit cards reporting a new inquiry from Comentiy bank. I instantly called them because I NEVER consented to having my credit pulled nor was I ever made aware. Since when do credit card companies do a hard credit pull to send you out a replacement card. Never did I ask to increase my limit or anything that had to do with my actual credit other than requesting the card that I never received in the mail. Ive had this account since XX/XX/XXXX. I was told I needed to send a letter to tell Comenity bank what happened and it would be removed. I mailed them a letter XX/XX/XXXX. It has yet to be removed! Still never received my new chip card either!
Product: Mortgage

XX/XX/2020 started my new campaign to work something out with my mortgage company, BSI Financial Services. I was told I was approved for their loan modification program. BSI agreed to offer  me a loan modification in XXXX as long as I make 3 on- time payments. I am doing and did exactly what they ask and then I received a foreclosure letter from a lawyer, in the middle of the terms of their agreement. I have continued to make my payments as per our agreement. My attempts to reach out to BSI have been unsuccessful. My calls are not returned, and I am hung up on when I type in my personal information. Before BSI AGREED to work with me, I OFFERED to pay HALF of my arrears before the start of my modification. The BSI loan personnel SAID NO, to be exact, it is not necessary!! She stated BSI will put the amount at the end of the loan as long as I met the agreed 3-month trial pay period. She  even quoted a lower modification amount and I chose to continue to send in the same amount, asking it to be applied to my arrears. I told her until I get the confirmation letter of my modification, I will continue to send my established mortgage payment. The lower amount was more than {$100.00} less than my actual payment. She explained I would not receive any paperwork regarding my modification until I met my agreement. We are still in the middle of the agreement and I received a letter stating my home will be sold in 30days. And no one from the company has answered my calls since I received the lawyer 's letter. BSI made an agreement, refuse to honor it, and now is selling my home from underneath me even though I am paying my mortgage. Why is this company being allowed to do this doing this tremendous world health crisis? 

I am in no way denying my obligation to my mortgage. I am continuing trying to reach out and I am continuing trying to meet my obligation to my loan. My state and federal representatives all have stated to the public to stay in contact, reach out, make a plan, and let your loan service know where you are and what you are doing in this crisis period. I am and I have. It has been a one-way street. I AM STILL PAYING!!! Why am I here? The money I am giving could  be used to try to secure my XXXX children and myself housing elsewhere if they were going to go here. Why didnt BSI tell me, too little, too late? Why give me false hope and allow me to deplete my finances to just turn around and go to this level. Now I am about to be put in a deeper crisis and hardship going into the holiday season because BSI decided to superficially offer hope to just take it away ; without notice and without me NOT meeting the agreement.

Where is the justice? Where is the humanity? They are not even the owners of the property. How can a third party have the authorization and rights to swindled homes with their predatory and deceptive financial practices legally.
Product: Debt collection

Opened XX/XX/XXXX. Paid XXXX. On XX/XX/XXXX / payment made / confirmation XXXX. XXXX XXXX / XXXX XXXX. Account / XXXX. They forced me to make a payment after putting it on the credit report. Called and harassed me. it is still on credit report. They said they will take it off in 5 business days. Left multiple messages and called in got the run around..
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Trans union early this year when I got my credit report and told them that I think I had been a VICTIM of their inquiry issue ''. I gave them the inquiries XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I ask them to remove them, but customer service would not help and take care of the negative inquiries reporting to my credit report. Then a friend recommend I try you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX  XXXX XXXX //LATE close - Balance $ XXXX-Date Opened : XX/XX/2015
Product: Credit reporting or other personal consumer reports

Hope this finds you well. My names XXXX XXXX, when I look on my credit report I see inaccuracies from the reporting of this card. One bureau says it's late one month, another says a different month. I've never noticed this with any other cards. I look forward to hearing back. I'll be attaching my credit report with the account #
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX acct XXXX XXXX XXXXXXXX XXXX  # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A, states I have a right to privacy.

15 U.S.C. 1681 section 604 A, also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

SOMEBODY HAS GOT TO DO SOMETHING ABOUT THESE XXXX CREDIT AGENCIES!!!!!!!!! 

My wife and I are moving for work, to help the XXXX economy, but of course, because we can't have our credit out there, at risk, with the XXXX credit agencies being careless with our information, we keep it frozen. 

Today we needed to lift those freezes -- two people at 3 agencies -- to work on preapproval for financing for a new home. We are SUPPOSED to be able to do this instantaneously online. We are SUPPOSED to be able to self-serve. 

So imagine our shock to consult the little spreadsheet with all the usernames and passwords we only look at on occasions such as this, just to find that : XXXX ) In the time since we last logged in ( maybe 2019, when we bought vehicles? ), not only have ALL THREE of these pigfucking scumbag criminal outfits changed the names of the XXXX products they hide their LEGALLY XXXX MANDATED service behind so they're more difficult to find, but after we found the right pages : XXXX ) At least TWO of them ( XXXX and Experian ) have either changed or deleted our login information. We now don't have accounts? But also can't start new accounts with OUR OWN XXXX EMAIL ADDRESSES -- because they've been taken by other account holders? THOSE ACCOUNT HOLDERS ARE US!!! THOSE ARE OLD ACCOUNTS!!!!! NOBODY ELSE HAS OUR XXXX XXXX EMAIL ADDRESSES!!! WE are the other account holders. THIS IS XXXX RIDICULOUS!!!!! WHAT THE XXXX ARE WE SUPPOSED TO DO ABOUT THIS!!! 

I called the XXXX at XXXX to express my displeasure. The subliterates have an even more imbecilic automated system that I can only believe willfully offers you incorrect answers to keep you from ever connecting to any of the morons who work for them. After I was disconnected twice by this system, I was finally sent a link by SMS to supposedly talk to a person, whereupon I was disconnected, and I also found that the link didn't lead anywhere except a XXXX page. 

Meanwhile, as we try to get back into our XXXX accounts, we have been told.. .for hours now.. .that " service is temporarily unavailable. '' This is beyond ridiculous. It is also illegal. We are entitled to legal recourse to manage how these XXXX criminals manage OUR identifying information, and these degenerates are flauting the law and complying with neither the letter nor the spirit of the FCRA ( as. XXXX. USUAL!! ). Their systems have to be up and working. I am entitled to get a person to fix my account if THEY XXXX it up. This is the bare minimum I should be able to expect of them. 

These idiots are clearly going out of their way to impede the ability of customers to force them to perform the one useful XXXX function they supposedly exist for. YOU will have to do something about them.
Product: Payday loan, title loan, or personal loan

I have a loan with Lending Club. I was informed that I habe the ability to change my due date which I atrempred to do online. After making the change a enaul waa sent to me stating that because of the requested change that 2 payments woukd come iut of my account in one month. That made no sense to me at all so I contacted the agency on XXXX XXXX for clarification but after 30 to 45 minutes on the phone wuth the representative I had not accomplished anything so at that point I told the representative that I wanted my payment to remain as is with payments coming out on the XXXX of the month and he asked me was I sure several times and I said yes and he said ok the payment would come out on the XXXX. I thoght everything was taken care of until I started to recieve phine calls from a XXXX area cose this week to finally I was able ti acceor the call today XXXX/XXXX/17 and the representative stares that they were calling about my payment annd I was within my grace period. This is an unlawful practice because my account was comprimised and slated to have two payments come out of my account in XXXX/XXXX/17. Please have the employee and company reprimanded for this. Something needs to be done I feel violated.
Product: Credit card or prepaid card

I executed a balance transfer with XXXX XXXX XXXX XXXX XX/XX/2023. Although New York and Company declined to accept an electronic check, XXXX XXXX promptly sent a paper check. I checked two weeks later and found that the payment was not posted and it was due. I cleared my balance in full on XX/XX/2023 to avoid interest charges, as I do with all cards. However, to my surprise, on XX/XX/XXXX XXXX Bank sent me a letter indicating that the check had been sent to NY and Co over 30 days ago and because it was uncashed, they put a stop payment on the check. On the 33rd day, NY and Co attempted to cash the check, which unfortunately bounced. Despite maintaining a zero balance for two weeks, I was charged a fee.NY & 7 CO insists that the fee is VALID, while I remain convinced that it was reasonable for the bank to stop payment but not reasonable for NY and Co to hold onto the check. I called NY and Co to request cancellation of the fee, but they refused. I AM SEEKING ASSISTANCE IN THIS MATTER. This fee should not have been passed on to me. 

The bank that sent the check : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Check Receiver : NY & CO/ Comenity Bank XXXX XXXX XXXX XXXX TX XXXX XXXX Commenity may have email as XXXX or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to inform you that time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} ; XXXX XXXX XXXX  XXXX Balance : {$75.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, WI XXXX ; XXXX XXXX  XXXX, WV XXXX ; XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX Balance : {$75.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

I wrote Hardship letter to Flagship and it was accepted in Good faith presumably? They answer in good faith I guess? So I agreed to there terms then I was blessed with additional funds and I paid the complete balance and some. I enclosed a rider subject to them cashing the balance of check and did not receive a reply nor conformation. They cashed the check and took over 60 days to credit the account. Then they added extra fees and then after 90 days corrected them. I am request correction on the part of Flagship. They receive funds upon agreement but never correct the funds to the account. At first credit bureaus showed account in collection. Wrong amounts of balance and payments they refuse to correct. The account is paid in full but they show three collection on account and still show charge off? how can account be both? So I paid the to get a worst credit score then before. I request deletion of account asap.
Product: Credit reporting or other personal consumer reports

Experian has this negative paid off account on my credit that is expiring this year. However, there is no date listed as to when it expires. I'm certain it's 2023 it's due to expire. Why this is like this is beyond me. Therefore I'm including the creditor so that they too understand they need to get an expiration date on this account or both Experian and XXXX will be required BY LAW to remove it now!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported my account as 30 days late when I made special arrangements, due to a diagnosis of XXXX XXXX and XXXX in the month of XX/XX/XXXX. I have been a customer for 1 year, no issues with payments until I became ill. I contacted XXXX to let them know what my plans were on XX/XX/XXXX, as that is the day my loan is due. 
My payment is XXXX per month. OnXX/XX/XXXX, I paid XXXX on XX/XX/XXXX, I paid XXXX and on XX/XX/XXXX I paid XXXX to be all caught up. When I discovered they had reported me as 30 days late on XX/XX/XXXX, it made my score drop a whopping 100 points. I contacted them and they said they would do nothing. They were following government rules is what they said. I asked what rules they were speaking of I couldn't get a proper answer. I spoke with 3 separate people regarding this issue. XXXX, XXXX and XXXX who was the last person who told me they had to follow government rules. 
He was quite sarcastic and said it was nothing he could do. I ask if I could get a goodwill removal o the 30 day late, he said NO.
Product: Debt collection

This company ( XXXX XXXX XXXX XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$660.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt. Furthermore, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX does not have a license, bond, certificate of authority to collect in the state of Arizona.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, XXXX and TransUnion Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX Original Creditor : XXXX BG XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXXXXXX XX/XX/year> REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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

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.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report an alleged bankruptcy without any providing any documentation to me to validate this. Who did they talk to to validate this information. Furthermore they need my written consent to report any information about me.