23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

While in bankruptcy protection ( XXXX ) my mortgage was sold to XXXX. Even though monthly mortgage payments as well as monthly bankruptcy payments were made in full and on time, XXXX continued to assess unsubstantiated and unwarranted fees. Three separate complaints were filed with CFPB in XX/XX/XXXXregarding these unlawful charges ( XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ). On XX/XX/XXXX XXXX representative XXXX XXXX sent a letter that stated " XXXX  has determined that there are inaccuracies on your loan and have made corrections. Pursuant to the payment history the XXXX account was indeed current ''. since that time we have been trying to get XXXX to correct late payment notices they posted earlier in XX/XX/XXXXprior to that note. We have sent copies of the checks, as well as the day each individual month they were received and cleared our bank. XXXX sent reports to the credit reporting agencies that each of our first 6 payments to XXXX were 60 days late or more, and has been unwilling to correct this misinformation. Since we did not pay XXXX   anything additional other than mortgage each and every month, and they themselves determined us " current '' as on XX/XX/XXXX, ( and admitted mistakes ), something doesn't line up correctly. On XX/XX/XXXX we attempted to get this information corrected with no success. We filed a new complaint with CFPB ( XXXX ) trying to get the same, again with no success. Again, since the entirety of what we made were scheduled monthly payments every month, in full each and every month in XX/XX/XXXX... and we have the actual checks with the dates each month when they were received and the date they cleared XXXX 's bank that very same month, with no additional monies were sent to XXXX ... they admitted in XX/XX/XXXX they indeed had made inaccuracies with this account and corrected their account records ( and indeed the account was current ), how can there be 6 consecutive months of 60 days or more late from XX/XX/XXXX to XX/XX/XXXX? We even wrote on the front of each check " for use toward XX/XX/XXXX mortgage payment in full '' on XXXX  's check ( received in XX/XX/XXXX cleared by XXXX  XX/XX/XXXX ). This process was repeated each and documented each and every month, for the exact month the payment was due.
Product: Mortgage

RE : Predatory Lending Practices XXXX Loan ( XXXX XXXX Dear Consumer Protection Agency, I purchased my first home in 2007 in XXXX Virginia. As I am now speculating that I may have been a victim of predatory lending practices being approved at a high interest of 6.37500 % for 30 years. 
For the last two years or more, several unsuccessful attempts at a mortgage loan modification have been attempted. The last attempt at a mortgage loan modification has been especially painful with Quicken Loans for the last four months to be told that I have to wait until XXXX. All of the necessary documents were sent to them Quicken. All of the necessary documents were reviewed. They requested that I open a new credit card line, charge on it, and pay ... ..and I did. 
Through all of this, I have also been told that I should have been in direct contact with my loan servicer, XXXX owns my house. 
I can not say how tired of the run around I am getting now as a possible victim of predatory lending practices. I am writing a little desperate for help and guidance as the suspected outcome of all of this should be a loan modification with a lowered interest rate that might in turn drop my monthly mortgage on my house.
Product: Credit reporting or other personal consumer reports

AMSHER COLLECTION SERV and XXXX reported my personal and private information between each other. I was never given a policy notice upon contracting with XXXX  in written form or any form at all as well as not provided with one annually in accordance with the GLBA giving me the option to OPT IN OR OUT and I'm excising my rights under the Gramm-Leach-Bliley Act to DEMAND these companies to STOP reporting my personal transactions and experiences to my consumer report. 

Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Such institutions must develop and give notice of their privacy policies to their own customers at least annually ( except where exempted under section 75001 of the Fixing America 's Surface Transportation Act ( FAST Act ), Pub. L. No. 11494, 129 Stat. 1787, codified at 15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. Under the Dodd-Frank Act, this rulemaking authority transferred to the Bureau of Consumer Financial Protection ( except with respect to certain motor vehicle dealers ), but the FTC continues to have enforcement authority. Subtitle A also requires the FTC and other agencies to issue regulations for the safeguarding of personal financial information ; this authority did not transfer. The Act also limits the sharing of account number information for marketing purposes. 

Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. And if that wasn't enough, the provisions include criminal penalties of up to five years in prison, and the revocation of licenses. 

Kindly, XXXX
Product: Mortgage

My complaint is regarding PMI and equity in my home. I had an appraisal done and learned only after that Fannie Mae requires a separate appraiser although the steps for the appraisal are the same to prevent bias. My house is valued enough to remove PMI! 

I spent roughly {$700.00} for an appraisal. The 3rd party came out did their part, did their research and supplied a report. I'm continuing to pay PMI despite my home evaluation coming back at $ XXXX. 

I purchased my home at $ XXXX and I have $ XXXX left to pay on the loan. I want to remove the PMI to reduce my monthly mortgage payment. 

I was told that after the appraisal - I could request the removal of PMI required by law. Then over the phone I was told that Fannie Mae requires a separate appraisal that comes with another fee!! 

I'm requesting help and support on this matter. Is there someone who can offer support?
Product: Checking or savings account

Based on the promotion from Chase Bank, I opened a checking and savings account, then had two electronic direct deposits paid by my company in XX/XX/2022. As attached. 

However, Chase just refused to pay my bonus, which should have been {$300.00} + {$100.00} credited to my checking account since I met both requirements for savings and checking. 

I have done my part ; Chase should've honored their offer.
Product: Credit reporting

I have been writing back and forth to you and all XXXX Credit Reporting Bureaus. Several items have been removed, however, I have requested ( 4th time ) a copy of my updated credit report from each of the agencies. Please have them mail a copy of my updated, corrected credit report w/credit score to me at : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am still having problems with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I know from reading my credit report that you say I have a chargeoff which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so i can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681 eb you are reporting information that's not 100 % accurate. The irs directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation.

Not only is this illegal, this account is a fraudulent account that yall still have yet to remove from my credit report. I have submitted an FTC report along with proof of address and identity. This account must be removed from my credit report immediately or else my lawyer will seek litigation and compensation for each and every inaccuracy. 
Credit Card Account Charged Off : XXXX XXXX XXXX  - Fraudulent Account Account Balance : {$3000.00}
Product: Credit reporting

I have responded to all the repositories 3 different times through their websites and by mail over the pasat 2 months as recently as XX/XX/2016 to correct their errors and they have not done so XXXX Accounts closed at my request due to fraud charges.Reporting Terminated Mortgage and Equity Line Paid off 10 years ago-used in determing my credit score Stating too many revolving accts-only have 2 and the balances which I pay off each month are one half what my allowable credit limit is Report states too many inquires-never made an inquiry. Any inquiry that may have been done was unauthorized and illegal Showing residence addresses I never lived at Reporting previous name or AKA no mine
Product: Mortgage

I recieved mailing from prodicence advocates to help refinance my mortgage I had set up with ditech financial. They sent me documents and said they could settle with them and lower my apr payment and current balance and said not to pay them nor contact them as they would do all that during the process..XXXX  XXXX was the sr case manager he was with XXXX XXXX XXXX   XXXX XXXX XXXX XXXX . XXXX XXXX XXXX : XXXX Toll-Free :  XXXX Ext. XXXX Fax : XXXX XXXX He told me to mail money orders via USPS to this address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone is XXXX which I sent them payments as advised I starting getting late payment notices via ditech I asked XXXX repeatedly bout it he said not to respond or contact or pay that he is taking care of it ..after a foreclosure notice I contacted ditech and found out I was scammed and brought to the attorney general 's attention and they investigated and was able to get my money refunded to me but has no authority of reversing my credit and I have tried asking ditech to remove my 90 day late on my credit report back XX/XX/XXXX by writing them a letter of hardship on what happened to me explained everything and they denied it I again called XX/XX/XXXX they again denied it but said they will send another request to have it removed ... please contact the attorney general out of North Dakota to search the case thank you I want the 90 day late removed from my credit report from ditech they said it will be on for 10 yrs
Product: Credit reporting or other personal consumer reports

The FERPA protects my privacy and student educational records. I have never knowingly provided consent for any disclosure of my educational records and transaction history. I have demanded multiple times for the information from my student loans be safeguarded and opted out of written, nonwritten, verbal and non-verbal consent to share my information. I have been exposed on affiliate and 3rd party sites who should not have had the information shared with them. My personal transaction history after the loan has been sold off multiple times has been acquired by XXXX, XXXX and Experian.
Product: Credit card

I applied and was approved for an American Express Marriott Bonvoy Bevy card ending in XXXX with my Marriott Bonvoy number XXXX and I paid a {$250.00} annual fee. I also charged a large XXXX purchase on the card and was supposed to receive XXXX Bonvoy points in my XXXX account. I have yet to have my card linked correctly or points credited. I have called multiple times and every time I am told they have escalated the issue to get my card linked correctly like my already linked Marriott Bonvoy business credit card. They always tell me a supervisor is reviewing it and they never call me back or fix the problem. The agent last week said a supervisor attempted to call me 3 times ( we eventually spoke ) and still the issue is not fixed. I have spent countless hours on the phone and chat trying to get the account correctly linked and I shouldnt have to do what American Express gets paid to do. They promote these products and charge annual fees but do not provide the service that was paid for. Their customer service leaves something to be desired.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CREDIT FILE : XX/XX/2022 Confirmation # XXXX ACTIONS THAT WAS TAKE. BY THE COMPANY XXXX XXXX ILLEGALLY OBTAINED MY INFORMATION AND IS NOT REGISTERED IN THE STATE IF NEW JERSEY TO DO SUCH, WAS DISPUTED AND NOT REMOVED
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed ITEMS, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must DELETE the following ITEMS from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft, and I did not make the charge. I report the theft of my identity to the federal trade comisin and I also have enclosed copies of the Federal tray commission identity, theft, affidavit " please delete the items a soon as possible '' Pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C 1681 ), I hereby formally request the removal of certain unauthorized credit inquiries that have appeared on my credit report. After careful review, I have identified that the following inquiries were made without my express consent or in error 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 I hereby notify you that the information reported in my credit report contains errors. Pursuant to the Fair Credit Reporting Act ( FCRA ) section 611, I request that you initiate an investigation into the following entries that I believe to be inaccurate. 
My name correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Experian, XXXX ) Under the Consumer Protection Act, specifically Title XV of the Dodd-Frank Act, I have the right to receive proper notifications about any outstanding obligations and a clear justification for late payments. To date, I have not received any communication explaining this failure. I request a review of this matter and regularization of payment, as failure to meet these obligations affects my rights as a consumer and may be subject to legal action under CFPB regulation. 
Under 15USC 1666b this late payment, entry is a violation. I have incorrectly billed XXXX XXXX account XXXXXXXX XXXX Account XXXXXXXX XXXXXXXX  Account XXXXXXXX XXXX Account XXXXXXXX XXXX XXXXXXXX Account XXXX Please update the status of this account to " paid on time '' ( XXXX, Experian, XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response from Synchrony Bank. However, the informs contained therein is incorrect. This again underscores the ineptitude of this company. I tried contacting XXXX XXXX as instructed on the reaponse. 

Surprise! The extension provided does not work and no one answers. 

This company is a joke.
Product: Mortgage

Under CARES Act protection I entered into forbearance for 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made all of my payments on time before and after that period. Since XX/XX/XXXX I have been trying to resolve the unpaid amount from the forbearance period. I was told they lend would reduce my payment by 20 % while maintaining my 30 year mortgage. This did not happen. What happened instead is the lender is offering to extend my mortgage to a 40 year mortgage causing me to pay an additional {$70000.00} or more in interest. When I call weekly to Land Home Financial loss mitigation department they can not discuss any of this with me and promise a call back from a supervisor in 24 hours, which never happens. The loan modification docs they sent said to call and discuss this 40 year modification or the other option to just defer the 3 missed payments to the end of my current loan. I have been calling to discuss and declined the 40 year mortgage modification option and formally requested the 3 payment be deferred until the end of my current 30 year loan. The loss mitigation department can only make this noted on the file and say my servicer or their supervisor will reach out to me in 24-48 hrs. I just want to roll these 3 payments ( defer them ) to the end of my current mortgage. I dont want to be strong armed into a 40 year loan with an additional {$70000.00} or more in additional interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

XXXX Florida has been paying the moprtgage directly to the mortgage company, reference XXXX ( HAF account ), XXXX XXXX XXXX GThe nortgage was sold by XXXX XXXX to Mr. Cooper effective XX/XX/2023. Mr Cooper account XXXX, Mr Cooper received payment in XXXX from HAF and creditied account for {$1700.00}. Since than, there has been two wire trasnfers made my HASF to Mr Cooper in the ampunt of {$1700.00} dated XX/XX/XXXX and XX/XX/2023. Mr Cooper has not applied those funds to my account. Mr Cooper has given me a contact in their company, XXXX, telephone XXXX. He has been polite, buit has offered zero assisitance except telling me this issues has been elevated to the HAF Florinda dept in Mr Cooper. They are calling me telling me I am past due. 

This issue needs to corrected ASAP, There are serious problems with that bank not applying my funds and In find this to be criminal if action not taken properly. 

Please help and advise if this not corrected, how can I file ctriminal and other charges. 

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

On XX/XX//19, I posted on XXXX looking to buy tickets for a concert in XXXX, TX. I received a direct message from XXXX user @ XXXX saying he had tickets and to name a price. I offered him {$40.00} USD and he accepted. I initially asked if he had XXXX but he said no, and told me to send the payment through PayPal instead. I sent {$40.00} USD to XXXX and since the payment was not instant, he asked me to send the payment again. I asked for a refund of my original transaction and a screenshot for proof. He provided the screenshot of the processing refund and said it would be available in 1-3 business days. 

When I tried to send {$40.00} USD a second time, the PayPal website started glitching so he told me to use the mobile app instead. I downloaded the app and when I went to start the second transaction, PayPal informed me that the recipient would be receiving the payment in XXXX XXXX dollar ( NZD ) which is suspicious considering the concert I plan to attend is in the United States. I told him I was no longer comfortable making the transaction to which he responded : " oh its because my paypals a business paypal lol i have a lot of currencies on it ''. I told him that this was sketchy and I was no longer interested, and he proceeded to block me on XXXX.
Product: Credit card

In XXXX we placed a large order online for multiple bathroom furnishings. Included with this was a vanity that was shipped via XXXX. The vanity arrived damaged, so we refused delivery. We did not receive any documentation from XXXX about the refusal, however, this is indicated by the entry on the tracking sheet where it clearly states Refused Damaged on delivery. Per the XXXX manifest, the location is listed because this is the location of the nearest shipping hub. On a similar date, the manifest shows it was delivered but it was not delivered to us because, again, we refused delivery because the item was damaged. Upon speaking with XXXX, they stated when this occurs, it is delivered to the local store. XXXX also stated that when this happens, a new tracking number is created and the shipment signs for itself. 

To further confuse matters, we re-ordered the same vanity a few weeks later. This was not damaged and we accepted shipment. This vanity is currently in our bathroom and in fine working order. 

In the process of this, I spoke with XXXX XXXX Customer Service about the return. I was assured that once XXXX XXXX received the item back, we would be given a refund, but the process would take some time. The XXXX XXXX Customer Service Rep also spoke with XXXX XXXX XXXX, explained the situation, and wrote a letter so we would receive the new vanity under the same promotional rate as the damaged vanity. Ultimately, we did not receive the refund for the damaged vanity. 

I spoke with XXXX XXXX XXXX XXXX again in XXXX. I spoke with the call center again. The rep made updated to the comments but advised I could not speak with anyone in the disputes area directly. At that point I also reached out to the XXXX  shipping hub in XXXX and received the information explained in the first paragraph.
Product: Debt collection

In XXXX of XXXX my divorce was finalized and my ex-wife was awarded a vehicle in the agreement that she later in XXXX didn't want, stopped making payments on it and voluntary surrendered it even though both of our names were on the loan. There was over {$16000.00} still owed on the loan and now I'm being sued for the balance plus court fees and filing fees which is now around $ XXXX even though the vehicle was awarded to her in the divorce decree signed by the XXXX XXXX XXXX XXXX XXXX I had to seek legal council to represent me since the Ameris Bank, who is suing me, stated she could not be located or served, even though I gave them her home address, work address, phone number and new maiden name. Before I acquired representation in XXXX of XXXX I was getting calls every other day to rectify the debt saying they were going to sue, maybe even liquidate assets or contact my company and put a garnish on my wages even though the automobile that had the debt on it was awarded to her which includes all debt involved with the vehicle, its in the divorce decree. I am now in a holding pattern with my lawyers and the lawyers representing Ameris bank. This has negatively impacted my credit enormously and caused me significant stress.