23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This a a follow up from my last complaint because the company completely disregarded the main issue and request with that complaint. To be clear, this is NOT a request to cancel PMI on my loan. Please do not reply by telling that I am not eligible for cancellation because this is NOT what I am requesting. I am repeating my complaint from last time because it was disregarded. 

On XX/XX/XXXX, I received my annual PMI disclosure notice from my mortgagor, SPS Servicing, along with my mortgage interest statement. The disclosure properly contained a notice under the Homeowners Protection Act of 1998, that PMI should be cancelled on my account on or after either of the following : ( 1 ) the date the principal balance of your loan is first scheduled to reach 80 % regardless of the current balance or ( 2 ) the date the principal balance of the loan actually reaches 80 %. When I called SPS tonight to acquire about ( 1 ), I was given false and misleading information. I told the customer rep that under the terms of my original loan agreement, that the scheduled date should have occurred 7 years after I first signed my mortgage in XX/XX/XXXX. She first said that they can't give me a date when the loan was scheduled to reach 80 %. She told me that I just have to wait until it actually reaches 80 %. When I told her that her statement contradicted by the notice I received from SPS and also was in violation of the law, she then actually pulled up the actual notice that was given to me so that she could see that the statement she provided over the phone was in error. She then said that because I had modified my loan, then they can't give me a date. I told her that the loan modification doesn't eliminate SPS ' requirement to follow the law and abide by and provide an amortization schedule of when the loan is scheduled to reach 80 % of the balance. The entire time the representative was talking to me, she was also getting guidance from a supervisor. This tells me that both your regular and management employees are poorly trained and not knowledgeable about important laws impacting your business. 

THIS IS A REQUEST FOR SPS TO ABIDE BY THE LAW AND TELL ME WHEN MY LOAN WAS SCHEDULED TO REACH 80 %. THIS IS NOT A REQUEST TO CANCEL PMI. PLEASE TELL ME WHEN MY LOAN WAS SCHEDULED TO REACH 80 % PURSUANT TO THE HOMEOWNERS PROTECTION ACT OF 1988.
Product: Debt collection

Multiple dates from XX/XX/XXXX2017 - present. 
I had a representative from XXXX call my job up to 5 times a day, which ended up practically harassing my employees. 
When I finally was there to speak, she was asking me personal questions and trying to get me to tell her how much I made at my job. I already explained to her that I work in a store with NO office. I 'm in the middle of a live store on the phone with her while my employees AND customers are next to me. I could not tell her any of this information. I gave her my personal cell number. 
She called multiple times afterwards just that week. She called again about a week ago and I told her the same thing. I got pretty angry with her. 
I believe her name was XXXX? Or something simliar to that. 
Calling someones job should NOT be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 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
Product: Vehicle loan or lease

i had a horrible year lost my job and couldn't replace the income i was generating I talked with XXXX XXXX  and they just came and took my XXXX  and i didn't ask for that and they wouldn't provide me with my original loan documents for the loan
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$610.00} XXXX XXXXXXXX.. Account is my credit report twice for 2 different creditors and also reported as open when closed XXXX is the other creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I submitted a dispute with TD bank and indicated I had both Audio and a transcript of the audio with them that shows they did not have a correct email address for me.

2 ) Because I was enrolled in electronic statments, notifications emails " bounced back '' when they tried to contact me.

3 ) I submitted a disupte and asked for a way to submit both the audio and the transcript to prove the point.

4 ) TD bank did not respond and instead just rejected my dispute. 

I have attached all document and the audio related tot he dispute. This resulted in a 30,60,90 and 120 day late on my account and this is extremely derogatory for my credit report. TD bank did not try to resolve the issue with me and they should have that responsiblity if they want to be allowed in consumer banking. You will find TD bank provides no email address nor method to provide files related to disuputes and they should.
Product: Credit card or prepaid card

Utilizing a offer by Bank of America to consolidate bills which is using checks that are offered with a 0 % interest or a 1.99 % for a term of time to payoff those amounts acquired by the due date. What is taking place is Bank of America is applying payments to which ever debt they choose, not the debt that would be in the order it was acquired. I now have a debt that is due in XX/XX/2020, that is a substantial amount that is not being credited by payments being sent in, but debts of later dates that are being credited first. As of XXXX the interest on this amount goes from 1.99 % to 22.99 %, again later debts have been credited first. In XX/XX/XXXX, you can see that a payment total of {$2500.00} was made, but only {$1400.00} was applied to the account, not in any order of debt acquired. In XX/XX/2020, an amount of {$1900.00} was credited to my debts, but only {$1300.00} including the credit from the month before was applied.And iit goes on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB complaint to follow up any response from you after the 30 days of investigation. As I revived my Credit file I have noticed that there are still items that are reporting as inaccurate and incomplete in information. 

Please conduct another investigation to the following information and send me the notification that the disputed items have been deleted. 

XXXX XXXX Balance Owed : {$430.00} How many times do I have to point out that this account 's payment history is inaccurate and deceptive? I have been contesting for the removal of the late payments from this Account 's payment history in order to repair this account, but you have done nothing. Please entirely remove the past-due payments from this account. 

XXXX  XXXX XXXX Balance Owed : {$0.00} You continue to list this account as being past due despite the fact that it has been closed and has no balance. Credit Reporting must be accurate in accordance with the Fair Credit Reporting Act. How can you incur late fees on a closed account with a {$0.00} balance? I need you to entirely remove this account from my credit report or to remove the account 's history of late payments. 

XXXX XXXX Balance Owed : {$160.00} I can't possibly be late with this account report 's dates. I've been maintaining a separate record of payments, and their information differs from mine. Credit Reporting must be accurate in accordance with the FCRA. I ask that you either totally delete this account from my credit report or erase the late payments from the account 's payment history. 

XXXX XXXX XXXXBalance Owed : {$2600.00} Accounts with chargeoffs must indicate a XXXX balance! Since there is no question that this account is a charge-off, how could you record it with a balance of {$2600.00} if it is a charge-off? I've been asking you to clear the balance and update the account 's payment history, but you've remained silent. I'm asking that you immediately delete this account from my credit history.
Product: Credit reporting or other personal consumer reports

I pay my Insurance and taxes separately, they placed an escrow account, raised my payment, and refuse to remove even thought I have nnumberioulsy submitted proof of payment. They are reporting me delinquent, killing my credit score and creditor 's have closed my large account and cut my Credit limits destroying my character.
Product: Mortgage

Applied fir a convention renovation loan with Fairway mortgage. Question up-front was ... we gave our home to our son a year ago and was told that if he made 12 months of mortgage payments from his own account then the mortgage payment would not be included in our income to debt ratio. We had to extend our offer with the seller by 2 weeks which all parties signed. Now the Fairway underwriters are saying they are not willing to take that mortgage payment off our ratio and they will not make the loan for the new property for us. Our point is if this is a Federal guideline and we have shown that our son has made the 12 months payment out of his own checking account why is this being denied?
Product: Mortgage

I applied for a loan modification through my servicer, SPS on XX/XX/XXXX. During the course, of the next two months I worked steadily with the loss mitigation department to get a loan modification application approved. The department advised me of documents needs and I would upload the often the same day requested. Unfortunately, with the multiple requests for documents and the rotation of designated single point of contract individuals, very often the documents did not get processed in a timely manner. Ultimately, the account was assigned to a single point of contact that was never available or reachable to verify not only that the documents were received but that the documents were satisfactory for underwriting. I often had to speak with other individuals less familiar with my case. The process of getting documents over to the loss mitigation department was less than pleasant because the notes on my file were often not updated. Therefore, I was asked to send the same documents over again. Eventually, the loss mitigation department closed my file on XX/XX/XXXX to which I exercised my right to appeal. On XX/XX/XXXX, I sent the appeal with all of the documents that I understood were still missing, along with updated information that I anticipated the department may need to review my appeal. My appeal should have resulted in reopening my case ( as I was instructed it may ) when I spoke with the substitute representative ( absent of contact with my single point of contact ) Instead, the appeal was denied as well because the necessary review and time frame was too close to the schedule Sheriff Sale on XX/XX/XXXX. I should have been advised even though I was entitled to an appeal, it would not be reviewed. On XX/XX/XXXX, I spoke with the Ombudsman Department and they advised me they were unwilling to stop the Sheriff Sale. We discussed alternatives and it was suggested that I seek the aid of an advocacy group to possible stop the sale.
Product: Credit card or prepaid card

I applied on XX/XX/2020 for unemployment and choosed the debit card as the way I wanted to get paid ... .. I have been calling XXXX and since there is nothing to choose from as in not getting a card the only option I have was lost stolen or I cant do that for the simple fact of no PIN number ... .. I have called XXXX and there is the option of not receiving a card but I have called every day and wait four - five hours and still no one answers. Understand that there is probably a bunch but man o have been sleeping outside under a restaurant porch being harassed by the cops and its not easy trying to find WiFi and sit for hours on someones property that the cops dont allow you to go on ... .. I have 4 unemployment payments that is 4 weeks of unemployment money that can get me a motel room and find a house to move in .... I can actually eat a hot meal instead of bags of potatoe chips .... it has been freezing cold and rainy every night ... .. then Im told by one of my co workers that if the money hasnt been touched in a month all my money goes back .... like this is so unfair ...., I dont have a address so my place of employment has me sending my mail there and no mail ... .. I have begged complete strangers for rides to post offices to be told there is nothing there for me, ... .. like I dont know what to do something has got to give my life depends on this card cause now there is no sleeping outside allowed ... .. Im in a motel room right now for three days can I get my card overnighted to where I am at take the money off the card there is over 2 grand on it ... .. like Im begging someone to help I have sent three emails to XXXX and nothing I am right now have been on hold for 5 hours on this XXXX and Im about to just give up yall are my only hope.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have been an XXXX credit union customer since XXXX and under my husband XXXX XXXX since XXXX and during that time, I have enjoyed my experience with XXXX greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have 1 late payment on the above referenced account that date back to XX/XX/XXXX. Since that time I have been an exceptional customer paying every month on time and set up payment arrangements automatically for my auto loan so it will come out on time regardless where Im located.

Because of my exceptional payment history over the last year and under my husband past 5 years I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of moving myself and daughters for a XXXX and starting life over in another city. Im the sole parent while my husband is away with XXXX XXXX and didnt have the best service or access to internet at all times. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX is willing to work with me on erasing this mark from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX XXXX is heads above the rest. I look forward to your reply. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. 
Despite several requests for correction ( letters dated XX/XX/year>, XX/XX/year> ) and ( XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
XXXX. FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

2. TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

3. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers.

I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed these accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$84.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Checking or savings account

Ive not been paid! I have direct deposit for my paycheck, and it has not been made available!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$120.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XX/XX/XXXX XXXX XXXX Balance {$13000.00} XXXX - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This payments was made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
XXXX XXXX XXXX XXXX XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Product: Student loan

I Do not know of Williams and fudge collections with a student loan amount from XXXX university. I do not know Williams and fudge and requesting to be removed as it 's reporting to the CB and negatively affecting me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

On XX/XX/XXXX I had informed a debt collector to cease and desist calling my number. The gentleman told me he would add my number to the do not call list. 4 days later I receive another phone call from them. They have called me XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I do not have any debt.
Product: Credit reporting or other personal consumer reports

I was pre approved by XXXX XXXX XXXX XXXX when shopping online for a vehicle. I found a XXXX  XXXX XXXX at XXXXXXXX XXXX XXXXXXXX schedule a XXXX XXXX for XX/XX/XXXX at XXXX when i arrived i informed that I was pre approved for an auto loan with XXXX  XXXX auto finance and i wanted to follow through to see the APR. He then explained that XXXX was running a special offer and I explained that didn't want my credit ran through multiple creditors he can back with XXXX offers XXXX for XXXX  XXXX and the offer from XXXX  whom I believe to be an XXXX lender. I didn't not authorized any other creditors Nor did I have any knowledge of my credit be submitted through any lender besides XXXX XXXX AND XXXX.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under AD Astra Recovery Services. I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was still there not listed as disputed and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.