23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

OK - I sold and closed on a house I was flipping on XX/XX/XXXX. 

The company, BSI Financial Services, withheld {$8200.00} for insurance it said it purchased for the house when mine lapsed. I have asked for proof of this insurance with dates it was obtained and premium paid as there would be a refund due for at very least some 5 months. They have ignored my, and my attorney 's requests. Furthermore they have made no refund to date. 

The company was problematic in facilitating closing not providing timely payoff documents when requested and when they did, they were inaccurate. 
Then they suddenly decided to add {$4800.00} for Foreclosure legal fees to the Pay Off amount to be paid to them. I challenged this demanding an accounting of what this was they were charging me for as the property had not entered into foreclosure and was under contract at the time they came up with this number. In response they sent back a screenshot of XXXX lines of text. XXXX line was for {$2800.00} for Foreclosure proceedings and the other was for {$2000.00} " Anticipated '' Filing fee. I demanded a breakdown from their attorney as I know this was all fabricated. I also pointed out that the {$2000.00} " anticipated '' filing fee should in any case not be there as we were 5 days from closing, not to mention that it doesn't cost {$2000.00} to file. 

They sent me a copy of their lawyer 's invoice dated the same date that I demanded it with a charge for {$1400.00} listed as a " XXXX up '' fee with XXXX hours billed. The " set up '' fee was also incurred AFTER I demanded proof. 

Note that the {$1400.00} is a far cry from the {$4800.00} they originally attempted to get from me. My assumption is that having been busted, they asked their attorney to cover their XXXX by invoicing something that would never be paid just to have a temporary paper trail to facilitate getting the extra cash out of the escrow. 

Additionally they made the pay off for a day after escrow was due to close so they owe me an additional {$240.00} for the extra day of interest paid but not incurred. 

I originally got my loan through a company called XXXX that Flip who tried in vain to mediate. They informed me that they no longer use BSI for this reason. 

NOTE : BSI Financial Services was already sited and fined over {$200000.00} for violations in XXXX by the CFPB for basically doing the same things to others as they are doing to me. Vague and creative accounting, non communication, and withholding money they are not due. 

As neither myself nor my attorney has been able to get a response from XXXX, I turn to you for help.
Product: Mortgage

My loan originated with XXXX XXXX, XXXX. on XXXX. In XXXX, I applied for COVID-19 hardship forebearance, due to less income at my job and my spouse being laid off. I got a 3 month forebearance, and I was told over the phone and in writing that my 3 months would be applied to the " back of the loan '' with no penalties. At the end of the term, I discussed the plan and was told that the agreement stands, and that I would be getting papers to sign to have an interest free balloon payment at the end of the loan. Instead, I got a letter saying that my mortgage was sold to Midfirst Bank or XXXX  XXXX DBA Midland Mortgage. It was stated in the welcome letter that I would have access to my mortgage and ability to make a payment on XXXX. I then received threatening letters dated previous to the date of XXXX stating the mortgage is in default. I called on XXXX to pay my mortgage ( which I did ), and i was informed that NO RECORD of my agreement with XXXX XXXX  was noted. They agreed to put me in THEIR COVID-19 relief program, and even though I was already enrolled AND approved in XXXX XXXX  's program, the new company is not insuring that this would be approved, and they have been making the process extremely difficult. I feel that this is horribly unfair, considering that I was previously approved, no questions asked, and it is in no way MY fault that XXXX XXXX  decided to sell my mortgage to a smaller company. Due to my interactions with Midland Mortgage I do not feel as if my mortgage is being serviced properly, I also do not believe that they are equipped to handle the COVID crisis as well as a larger bank would, I feel as if my mortgage is in jeopardy.
Product: Consumer Loan

My car was recently repossed by XXXX XXXX XXXX. They failed to allow to me to pay the past due amount in order to have the loan reinstated and to have my vehicle returned to me. I called repeatedly to speak with the collections department but I was told everytime that it could take up to five business days before a decision can be made regarding reinstatement of my loan. In additon if the balance was not bought current within five business days the car would be sold at auction per XXXX XXXX XXXX rules and regulations. I recnetly received a notice from XXXX XXXX XXXX regarded the sale of my car dated XXXX XXXX, 2015. It stated that the remaining balance was {$10000.00}. The letter also listed questionable fees and expenses related to the sale of the vehicle. I contacte XXXX and requested an itemized breakdown of the fews listed : Tranportation ExpenseRetaking and StorageRepair and ReconditioningXXXX refused to provide me this itemized report and stated that by law they did not have to provide me with any documents related to this car, but they cointinued to request that I pay the balance due. Over a period between XXXX XXXX and XXXX XXXX, 2015 I have repeatedly made request for an itemized statement, but XXXX refuses to provide me with XXXX. I feel if I am to pay the remaining balance then I should be provided with a breakdown of all fees assocated with that balance. 
In retalation to my request for the statement XXXX has now begun to call my employer. Since purcahing the car I have changed employers and XXXX did not ahve my current employers number. Today around XXXX I received a call from a collection representative from XXXX XXXX XXXX payment. The individual was very rude and made gestures as to taking legal maters if payment was not made today. I tried to request that the individual not contact me again at my emplyer but they stated that they will continue to call until they get there money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2017, I sent a letter to ask for verification of payments on an account. To my surprise XXXX XXXX XXXX XXXX and XXXX XXXX re-added the account to my TransUnion file and didnt notify me. According to the FCRA if anything is added onto my report I have to be notified within 5 days. They reported it twice on my XXXX and one was added without notice. The payments are all over the place and there is incorrect information being reported. I 've asked the Bureaus to verify and all I get are letters back saying they wont reinvestigate. The burden to provide verification is on them not me. Its my right as a consumer to have the proper information reported on my report. If the Agencies do n't investigate, they have taken my right away as a consumer. The only resolution is that these accounts are deleted off of all three Bureaus immediately. This has been nothing but a burden to my family and I. I do n't owe them anything. I just want it deleted. Thank you!
Product: Money transfer, virtual currency, or money service

I made a {$15.00} purchase using my CashApp account, but within a few hours, I noticed multiple unauthorized withdrawals. Once I realized what was happening, I immediately shut down my account. I contacted customer service for assistance, but they were unhelpful, stating they couldnt find any evidence of wrongdoing.
Product: Debt collection

On XXXX XXXX, XXXX, I purchased a XXXX vacuum from XXXX, of XXXX XXXX XXXX XXXX XXXX, XXXX, OK. The vacuum cost was financed through Preferred Credit Inc ( PCI ) for the amount of {$2500.00} and finance charge of {$990.00} total debt {$3500.00}. The financial contract stated that this debt could be cancelled three ( 3 ) business days after the date of the transaction. On XXXX XXXX, XXXX, I contacted XXXX and requested this purchase be cancelled because it was too expensive, he refused to take action, by trying to reduce the price or not answering my text/phone calls. On XXXX XXXX, XXXX, first business day, I called PCI requesting termination/cancel this contract, but the representative informed me I could not termination/cancel this action, the seller had to request this action. 
Note : The sale was conducted over a weekend when individuals could not be contacted or were still trying to negotiate a deal. On XXXX XXXX, XXXX, last day to termination/cancel contract, I returned the XXXX vacuum to XXXX XXXX XXXX XXXX XXXX On XXXX XXXX, XXXX, I wrote a letter to PCI informing them of the return of merchandise, that the XXXX Salesman, was avoiding me to delay the termination of contract As of this date, PCI has never contacted me. The PCI has placed on my credit reports a charge off of {$2400.00} which lowered my credit score by 100+ points. In my opinion, XXXX, XXXX XXXX XXXX XXXX XXXX and PCI are predator sales and lending services. I am currently contacting the credit reporting bureaus, providing this information, documentation and a request to remove the charge off. Any assistance with this situation will be appreciated. I hope this information will help inform other people of these type individuals and to avoid their tactics. I am a senior citizen and recently retired from the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Ihave reached out to XXXX as well as Nelnet LNS on numberous occassions in reference to the fact they are reporting inaccurate information on my credit report. According to The Fair Credit Reporting Act ( FCRA ) all information should be 100 % accurate. My Nelnet LNS account state XX/XX/XXXX ( ok ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). This is a violation of The Fair Credit Reporting Act as this information is inaccurate. XXXX and Nelnet both have violated my rights stating the account has been verified as accurate as shown the the multiple reports I have received from XXXX. The Fair Credit Reporting Act requires the account to show 30 days, 60 days, 90 days and 120 days if an account is in fact late which I wasnt on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two account with XXXX XXXX reporting on my credit report. One account # XXXX and was for the amount of {$1600.00} and the other was for {$800.00} ( I had to call today to get the account number ), account # XXXX. I reported to XXXX that I never received a bill for this debt or phone calls advising of the debt. The debt came back as verified and no action was taken. I discovered an email in my spam folder containing an offer to settle account XXXX some time after it appeared on my credit report and I submitted my complaint. So, I visit the website and they have an apartment number and a unit number for my address. And a phone number that I do not recognize. So, I know Id didnt provide this on the intake paperwork at the hospital. The address was listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, fl XXXX and phone number ( XXXX ) XXXX. I called today to XXXX XXXX to get the account number for the 2nd account so I could see what was listed as the contact information on it. I was provided account number XXXX. I logged an it shows my address this time as XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX and phone number ( XXXX ) XXXX. So, Im not sure how these came back verified and the intake forms should be able to be confirmed. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX and my phone number is ( XXXX ) XXXX and has been for over 5 years. Account XXXX was removed because it is now a paid medical debt but should never neither should have been added in the 1st place. Please help.
Product: Debt collection

I have only had two credit cards with XXXX XXXXXXXX and they are currently in good standing. Ive never had any other XXXX XXXXXXXX credit card accounts.
Product: Checking or savings account

I am reaching out to file a complaint regarding an issue I encountered with XXXX XXXX concerning my XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Recently, there was a delay in updating my available loan amount within the XXXX XXXX  system, which prevented me from accessing the full {$50000.00} I was entitled to. Due to this lag, I was only able to request a smaller loan. Once I realized the error, I immediately contacted XXXX XXXX to cancel the transaction before the funds were distributed. However, they refused to cancel the order despite it not being finalized at that point. 

When I inquired about the issue, I was told they did not know why or how it happened. This lack of transparency and accountability is unacceptable, especially when it affects the financial well-being of consumers. 

As a result, I am requesting that I be given one of two remedies : 1. The opportunity to take a second loan up to the full amount I was originally eligible for, or 2. The ability to request a withdrawal from my XXXXXXXX XXXX XXXX XXXX without being subject to a hardship requirement. 

I believe this situation warrants your attention as it raises concerns about XXXX XXXX handling of retirement accounts and whether their systems are functioning in the best interest of consumers. I am happy to provide additional documentation if needed. 

Thank you for your time and consideration.
Product: Debt collection

I have sent a letter to the creditor as well that states their letter that you are reporting this account accurately. Well, I disagree. I would like to see all documents you used to verify the account listed above. Please dont send me a simple letter stating that you have already verified the accounts ; I would like to see real proof. Pursuant 15usc 1692b ( 2 ) no state that such consumer owes any debt. This issue has become a problem, your corporation has ruined my reputation and this is a violation under 15usc1692d ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Please be so kind and delete this false and alleged information from all my consumer reports and I demand an apology.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned on XXXX that Equifax failed to sufficiently secure my personal & financial information, including my name, address history, social security number, phone number, date of birth, email address, and credit card numbers. I confirmed with Equifax at www.EquifaxSecurity2017.com that my information has been compromised, putting me at risk of identity theft, financial fraud, and tax return fraud. Additionally, they have known about the security breach since late XXXX and have failed to notify me at all. I only learned about the issue through social media comments from other people also affected. 

Equifax is delaying their offer of credit monitoring services ( I must wait until XXXX to enroll ), leaving me with two options : ( 1 ) leave my information at risk until their offered services are available to me, or ( 2 ) pay from my own funds another company to immediately institute a similar service. I also must pay with my own funds to freeze my credit reports with 4 other services -- {$40.00} total plus tax to freeze and the additional fees to later unfreeze.
Equifax should have : 1. Notified affected consumers of the breach prior to our having to learn about it through social media and news reports 2. Offered immediate, preferably instant, enrollment for affected consumers into credit monitoring and identity theft protection services 3. Arranged or paid for our credit reports to be frozen and unfrozen later with other consumer credit bureaus 4. Offered more than just one year of credit monitoring, as my social security number will continue to be useful for fraud well after one year, and due to Equifax 's negligence, I will have to deal with this for years to come.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Card {$1500.00} Closed acct was current XXXX XXXX Credit Card {$160.00} Closed acct was current XXXX XXXX {$1700.00} filed suit against me Case No. # XXXX Justice of the Peace No. 4, Place 2 in XXXX XXXX, Texas on XX/XX/2019 Plaintiff XXXX XXXX XXXX XXXX. They closed this acct I may have been late less or greater than 30 days. Sears Credit {$600.00} Closed acct was less than 30 days late when closed. Sears Master Card Credit {$1200.00} closed acct was current.

Sears Master Card Credit {$1000.00} closed acct was current.

XXXX XXXX Credit {$1200.00} XXXX XXXX Card {$600.00} XXXX  Mastercard {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX EQUIFAX MORTGAGE SERVI XXXX EQUIFAX MTG XXXX
Product: Debt collection

This account is past the statue of limitations in my state of XXXX  where the initial contract was signed. Also this company is reporting as a brand new opened account with a different date than when the account was opened
Product: Credit reporting

I have set up an account with www.equifax.com to monitor all three of my credit reports. I have noticed several XXXX inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Equifax. I have included, the Inquiry Company, inquiry companies ' address and date of inquiry as well below. These unauthorized inquiries need to be removed immediately.
Product: Debt collection

These accounts I have no knowledge of these accounts nor consent to this account delete these FRAUDULENT accounts from all credit/consumer reports and bureaus immediately. 

Account Name : Credit Collection Services Account Number : XXXX Account Name : Credit Collection Services Account Number : XXXX Account Name : Credit Collection Services Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally reported my card lost back in XXXX on XXXX. I did not receive a replacement card until the end of XX/XX/XXXX. While waiting for my card to arrive, my credit score dropped XXXX points due to them reporting my account closed. For this, I reported them to the Consumer Financial Protection Bureau. 
The replacement card, attached, was only good for one month. After XXXX of XXXX, Inwas unable to make payments or purchases due to the card being expired and for the longest time, not even showing up on the website or my credit report because it was reported as closed. Now Im receiving late payment reports on my credit when I wasnt able to make payments on the card because of the account status and it being expired. I have closed this card today and would like a correction reported to the credit bureaus. 

The issues on this card was due to no fault of my own and the responsibility falls on First Progress for failing to send a usable card for payments and purchases. And for also failing to report the card as open and not closed, and for removing it from the website for payment back in XXXX.
Product: Debt collection

Back In 2020, my vehicle was stolen at XXXX XXXX. Inside of my vehicle there was alot of paperwork with all my information that was stolen from vehicle. I have no knowledge of this account and it is identity theft. I have requested for this account to be removed from my account on several occasions but the creditor is refusing to remove it even though they have to evidence to prove that this account belongs to me.
Product: Vehicle loan or lease

In XX/XX/2016 I purchase a XXXX for {$18000.00} that was financed with XXXX XXXX. As soon as I purchased the vehicle I began having problems with it. ( For ex. XXXX XXXX, which would shut down other elements of the vehicle if not properly repaired XXXX The company never fixed it. After several attempts and threats to bring in the news media, I was given a temporary car as they repaired it. A week later the car shut all the way down as I was driving. Managed to get the vehicle home and they sent the car back to the XXXX dealership costing me an additional {$300.00} for the repairs as they paid the remainder of the balance. After about 2months, the car shut down again. I was given the option of trading the car in but with a new down payment amount, which was ridiculous considering this was the same issue I was having when I initially purchased the truck. After days of negotiations, the truck was return and I was left holding the bag. The truck was apparently sold at XXXX and a balance remains. The debt was then sold to a collection company that is threatening to take me to court for the remaining balance on a truck the I never had the opportunity to enjoy. This is unfair and is probably happening to consumers across the nation. It is predatory lending at it's best.
Product: Credit reporting or other personal consumer reports

Signed up XXXX XXXX for Experian 's free credit monitoring service. The privacy notice lists multiple steps to be removed from marketing ( with separate instructions for being removed from phone marketing, email marketing for XXXX years, email marketing for more than XXXX years, direct mailing and so forth ). It even specifies exactly what language must be used in Unsubscribe requests. I followed the instructions exactly. 

I received case number XXXX and was told I did not supply enough information to verify my identity, though I provided exactly the information requested in the privacy notice. They then provided a phone number and a mailing address. The phone number merely tells the caller to use the website and email address. I will of course mail in the paper form ( which requests that I mail in XXXX forms of ID ) but find the runaround ridiculous. They should just say this in the first place.
Product: Money transfer, virtual currency, or money service

I contacted cash app XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX they closed my account for no apparent reason denied disputes with no reasoning they never responded or provided the evidence they said they had to deny my claim
Product: Checking or savings account

Discover is the worst bank that XXXX have It's hard on transactions and deposits When my money come on to the account I am done with discover I'm taking it all out And I'm going to another bank that have more common sense
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Owed : {$2500.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX  Balance Owed : {$460.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX  BalanceOwed : {$160.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4200.00}.