23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage is serviced by Ditech ( ditech.com ).

We carry a flood insurance policy on our home voluntarily. We are not required to carry flood insurance as part of our loan agreement.

When FEMA issued us a new flood insurance statement this year, they also sent a copy to Ditech. We are listed as the payer if we choose to pay for flood insurance. Ditech took it upon themselves to add the optional flood insurance policy to our escrow account, making it no longer optional.

I spoke to the flood insurance program on XX/XX/XXXX to ask if Ditech had the right to add the policy to my escrow and pay it automatically without my consent. I was told that Ditech is not listed as a payer on the policy and they only received a copy of the statement.

I spoke to Ditech on XX/XX/XXXX to request them remove the flood insurance policy and under no circumstances pay it, that we are the payer of the policy and we would pay for it directly if we decided to renew. I was told by Ditech that I had to fax them a letter stating I wanted it removed, because it was the law that if they received a statement for insurance they had to pay it.

I faxed them the requested letter on XX/XX/XXXX to the two fax numbers provided by Ditech. I followed up with Ditech on XX/XX/XXXXand was told they did receive the letter but it takes up to 10 days to process the request.

The next day the wired a payment for the flood insurance in the amount of {$2200.00} making my escrow account go into the negative that amount. By this point I had already renewed my flood insurance policy for a lower amount. I contacted the flood insurance program again and was told that they would not issue the policy twice so any payment Ditech sent would not be accepted.

I contacted Ditech back and told them that they sent that payment after I requested that they remove the account from my escrow, that they had no right to make the payment in first place, and they even sent the wrong amount. Their response was ... tough if the payment gets returned to them then they would credit my escrow account back.

Status as of XX/XX/XXXX, my escrow account is still negative from the {$2200.00} wire and the flood insurance policy is still listed on my escrow, now updated to be paid again next year and again for the wrong amount.

Our escrow is scheduled to be recalculated in XXXX  and this issue is going to become a lot bigger if it is recalculated before our escrow account is credited back the {$2200.00} that should have never been sent out in the first place.

By Ditech putting the flood insurance policy into our escrow and paying it without our consent, they are effectively making a voluntary insurance policy and non-voluntary insurance policy.

Ditech has been no help, they just send you from on department to the next without changing anything.
Product: Checking or savings account

I have had bank accounts at Apple Bank for over 20 years. out of no where they said they were uncomfortable with some of my deposits and withdrawals. I am in the XXXX XXXX and have many inflows and outflows of cash. Also, I like to play dice at various casinos. They said they were uncomfortable with my deposits of {$8500.00} in cash and questioned a bank check that I had gotten for a purchaase of a horse for {$29000.00} made payable to the former owner of the horse. I felt like I was targeted and was emabarasedd in the bank after going there for the longest time. I had no recourse. All I was told was that this was a decision by the internal audit department of Apple bank and was not a branch decision. Who are these people? the XXXX XXXX XXXX, they make these decisions and you ca n't speak to them or defend yourself?
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I have recently reviewed my credit report and notice there are items reporting that I have no knowledge of, I never had any consumer transaction, credit extended, or authorized doing any business with the companies, as a matter of fact, I was never notified that these items were going to appear on my credit report, I have sent you a letter of my concern of the misleading, untrue, inaccurate and unproven items on my credit report but I have not received a response for you yet, I had concerns because I was impacted by XXXX data breach, I'm positive this is a violation of my consumer rights
Product: Student loan

Account # XXXX I recently filed a complaint about me not receiving credit toward PSLF due to being in Chapter XXXX bankruptcy. My FedLoan is in bankruptcy status even though my student loans was not included in the filing of the bankruptcy. 

The response I received from my previous complaint stated " Because you previously stated that your Direct Consolidation Loan should not have been included in the bankruptcy process, we are responding to your concerns, in general, until the documentation required to end the status is received. " I provided documentation XX/XX/2019. I uploaded the document in the drop box of FedLoan. I am going to attach it to this complaint as well as a screen shot from the trustee website.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX OPENED XX/XX/XXXX. 

This account was reported as ID THEFT XX/XX/XXXX. 

This account was DELETED from my report in XX/XX/XXXX. 

See attached DELETE CONFIRMATION. 

This account has RE APPEARED on my report.
Product: Credit reporting or other personal consumer reports

Please delete the followings accounts as they are violating my consumer rights. Reporting false information. My consumer report should be 100 % accurate. However, both of the following accounts are reporting different things across all Bureaus. XXXXXXXX XXXX XXXX  ; Account XXXX and XXXX XXXX ; Account XXXX. I will upload proof of all false reporting. Thank you for your time in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry from comenity capital/dent on XX/XX/2018 showing up on my Equifax report that is not mine..I wrote Equifax a letter and never received a response in regards to the inquiry in question.
Product: Credit card or prepaid card

I contacted Fifth Third Bank in XXXX to request additional payment assistance as a result of being impacted by Covid-19 and the economic shutdown. I was informed that I could get on a hardship payment plan that was to include reduced payments of {$31.00} per month and 6 months of 0 % APR and that there would be no negative credit reporting. 

I agreed to these terms and I was told that I was enrolled and the plan. I made my first {$31.00} payment on the same day. 

It now appears that even though I made my {$31.00} payment as agreed, I was never enrolled in any sort of hardship program, my minimum payments have not been adjusted, and this account is reporting to the credit bureaus as delinquent.
Product: Credit reporting or other personal consumer reports

My concerns are TransUnion credit bureau, and how third-party such as XXXX XXXX keep record of reports. The algorithm and models they use does not show a score improvement. It will tell you great job on your payments. But it will never improve your score. The score stays the same for months after month. The moment you request or fill out an application to a company such as rentals mortgages, and others TransUnion and the third-party will immediately drop your score. Anywhere from 40 points to 70 points. I believe companies that use this credit bureau knows that and they declined you or give you option to better yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name including bankruptcy. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX {$2600.00} XXXX XXXX   XXXX {$21000.00} XXXX  XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} BANKRUPTCY CHAPTER XXXX - DISMISSED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I have submitted three requests for Exp to correct my personal addresses. Not only have they not corrected it, they are reporting two addresses that arent ' even me. One is for another state. I have submitted my CDL for proof and my credit report still is innaccurate. This opens me up to fraud and identity theft. I need my credit report to reflect true and verifiable information.
Product: Mortgage

I have been trying to work with Huntington Bank regarding mortgage assistance and my XXXX XXXX XXXX. I have submitted a few times for loan modification one of my last times was on XX/XX/XXXX where I submitted all essential pieces of information for modification review as they requested. On XX/XX/XXXX I received a letter from Huntington that my file was declined for assistance but they never specified the reasons why I reached out to XXXX XXXX at XXXX 3 times per week and at least twice a day to get more details as tot he reason I did not qualify and even asked for more documents showing me how I failed the XXXX, XXXX  evaluations but to this day I have not received a call back, in the letter is gave me the option to appeal the denial decision by XX/XX/XXXX which I did and during my time of appeal Huntington went ahead and set a foreclosure sale date on my home. Huntington National Bank contracts Homesavers Department to underwrite their modifications for them at phone number XXXX and after numerous attempts to reach this department as well to gather more information they refer me to XXXX XXXX which he never returns any calls. I have request for a supervisor to call me back but again have not heard from anyone. 
I have expressed my financial hardship due to my health and XXXX and have shown proof of my financial ability to be able to continue to make payments on my mortgage I feel Huntington and Home Savers Department  are in non-compliance with RESPA Regulation X early intervention and loss mitigation requirements, found at 12 C.F.R. 1024.39 and 1024.41 and CFPB Dual tracking under loss mitigation guidelines and predatory lending practices with lender trying to foreclose on my home rather than to work with me for mortgage help
Product: Debt collection

On XX/XX/XXXX I received a collection letter for {XXXX} owed to XXXX XXXX  originating on XX/XX/XXXX. And discharged on XX/XX/XXXX. The letter claimed it was from a XXXX XXXX XXXX account. 
I did not have a XXXX  XXXX XXXX account, in fact I did not have a XXXX XXXX account at all. 
In XXXX, I opened a XXXX  XXXX XXXX account which has never has never been in arrears. 
Ive spoken with both XXXX  XXXX XXXX and they advised me to report it to all 3 credit agencies. SIMM Associates ( the debt collectors ) said they would open an in house investigation regarding letter and advised to file police report. I dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint regarding the wrongful re-instatement reporting of a collection for XXXX XXXX XXXX initiated by the following 3 agencies Equifax Credit reporting agency XXXX XXXX XXXX XXXX GA XXXX XXXX credit reporting agency XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, WI XXXX This XX/XX/XXXX I discovered ( negative credit item and account number ) had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. <P/>XXXX had removed the collection from my Credit Reports on XX/XX/XXXX InXX/XX/XXXX( 2 YEARS LATER ) I was notified by my credit monitoring service that this same collection was re-added to my XXXX and Equifax Credit reports. <P/>I was not notified of the reporting being reinstated over the 2 year period by any party at any time as per the FRCA requirement Cited below :
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation letter to Santander Consumer USA in XX/XX/XXXX,  never received anything in response. I spoke with an account manager on the phone for Santander Consumer USA and asked for all paper work from my file to be sent over to validate this debt. His response was " do you not remember? '' I let him know it was for my records and that Santander is reporting different amounts to each Bureau, and also  reporting late payments twice a month on this account and it is ruining my credit. This account is closed, therefore I have no late payments. He simply replied " I don't know what to tell you, you should just pay it. '' So I never received the paperwork as asked. They have called me at least once a day and I have repeatedly had the same conversation over and over but they refuse to send anything to me. This is harassment and is illegal, my account is closed with them. I have now sent letters to each credit bureau, and asked that they verify this account and send me all documents they used to do so, XXXX XXXX and XXXX both came back " verified '' and no proof was sent over. XXXX deleted the account as they found there to be no validation of the account. This account is closed and charged off as bad debt. They gained a profit and write off from my account, along with selling the reposed car we once had. This account was closed in XX/XX/XXXX. Yet every month Santander has reported a late payment on my accounts to the bureau, they also have reported different closing dates, and amounts owed every time this account is disputed by my husband and I. They have been removed and added back on numerous times. This is harassment and illegal. Reporting that we owe the same amount on our loan that we did the day we bought it and reporting late payments twice a month even though the account has been closed almost 2 years now. This is making us look bad to financial companies and is completely out of line. This debt is not valid and should not be on our credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXXXXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2018 and XX/XX/2018 your THE XXXX XXXX XXXX XXXX credit cardappears to have been close in my credit score i have never opened this account neither have i closed it.
Product: Credit reporting or other personal consumer reports

The Inquiries listed below are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently review a copy of my Experian credit report, there are fraudulent accounts in it, I believe I'm a victim of XXXX XXXX and identity theft. I'm writing to request all fraudulent accounts in my report be removed immediately!
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I am filing this complaint based on the keys principles set forth by the Basic Consumer Rights. The Consumer Bill of Rights pushed for by XXXX XXXX XXXX established four basic rights ; the right to safety, the right to be informed, the right to choose, and the right to be heard. I was denied all four. On XX/XX/XXXX, I bought a vehicle from XXXX   XXXX XXXX. As a mean to lower my monthly payment, I used a Chase Sapphire Preferred and a XXXX XXXX respectively to add {$4500.00} down payment. After I took the vehicle home, I discovered several issues that required immediate attention of the dealer. I called and spoke to XXXX, the salesperson and he advised me to confirm a date that I could bring the vehicle in. When I arrived at the dealer upon inspection there was more problem than I initially thought. At this point I asked to speak with the sales manager based on satisfaction guarantee that was issued to me by the dealer. After over six long hours managers finally agreed to allow to change the car for a similar model. As a practical matter, what he failed to disclose to me was that my {$4500.00} was not part of the refund. I found out in the process of the new paperwork signing because of the discrepancies in the numbers. Two things happened, I was not disclosed my down payment was not refundable and I did not have the opportunity to negotiate a fair assessment of what the cost to repair the issue I was having which by any standard would be a fraction of the {$4500.00} that I used as a down payment. I filed a complaint with both credit cards Chase {$3000.00} and XXXX {$1500.00} and they both concluded their investigation without fully investigating the matter and further proof of documents. They just took the dealer at its word and close the case. If those four standards of Basic Consumer Rights apply, I should be entitled at minimum to a fair hearing.
Product: Mortgage

I am having a very difficult time with Ditech. I have been approved for a modification and was making my trial payments. I was unable to get a hold of Ditch durning the holidays and now am having trouble having Ditech accept my 3rd trial payment. I called to set up my 3rd payment on a payment arrangement for the XX/XX/XXXX. I was being recorded and I " Specifically asked if should post it for three XX/XX/XXXX because ii wanted to make sure all funds were in '', he said i should be okay because they dont receive the funds until 3-5 business days. As long they receive payment within XX/XX/XXXX I will be fine. They will then send me new papers upon my mortgage agreement. I got an email notification about Ditech received payment. I never gotten an BBC alert from my bank claiming an insufficient fund. I called on XX/XX/XXXX because no answer during the XXXX XXXX Holiday. I talked to XXXX ( asking why they have not taken the money or fired XX/XX/XXXX ) who told me that the check came back and that there is nothing they can do for me except do another modification. My last payment ... he said if they took the money now its for XX/XX/XXXX and XX/XX/XXXX would not be accounted for!!! I was almost in tears and explained what the other representative said to me. He really didnt seem to care!
Product: Credit reporting or other personal consumer reports

CARRINGTON MORTGAGE SERVICES claims a late payment was made ... I have never been late to my knowledge ; I previously disputed this inn-accuracy, and was unhappy with the results. As a result, I demanded proof of investigation, bank statements, and records of ALL payments made, and missed ; and as of today still have not received proper documentation to convince me of claim made to support reporting a delinquency in the account. 15 U.S. 1666 ( A ) ( 2 ) ( B ) " creditor may not report to any third party that the amount of obligor is delinquent, because the obligor has failed to pay an amount which he has indicated ... unless creditor notifies the obligor of the name, address, and amount of each party to whom creditor is reporting information concerning the delinquency. '' which CARRINGTON MORTGAGE SERVICES has failed to do as the law requires.
Product: Debt collection

It is distressing to know that the information included in my credit profile has not been maintained with reasonable procedures to ensure maximum accuracy, as mandated by credit reporting laws. The accuracy of credit information is crucial, and every effort must be made to assure that information reported is entirely accurate and correct. I am specifically addressing the following information, which I request to be reinvestigated : XXXX - XXXX XXXX  XXXX andXXXX XXXX XXXX XXXX  XXXX. I respectfully request that you provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. In the absence of such documentation, I insist on the immediate deletion of this item from my credit report.
Product: Checking or savings account

More than {$5000.00} was taken out of my checking account in about 7-8 minutes around XXXX XXXX  on XX/XX/XXXX, across three transactions. This is despite the fact that I have created security alerts for transactions that exceed {$120.00}. Normally, I would get a text asking me to verify any transaction larger than {$120.00} and the transaction wouldn't be approved unless it was authorised. It did not happen in this instance. Two of the transactions reversed themselves almost immediately, but one, worth {$2400.00}, went into " pending '' status and the money was taken from my bank account. I called Chase to report the fraudulent charge on XX/XX/XXXX, the card was cancelled, and Chase told me the money would be returned to me within 1-2 business days. It has been more than 2 business days, the money still hasn't been returned, and Chase has not been able to explain the security lapses. Instead, I have been given a runaround between 3/4 departments, and I get a different explanation each time I asked someone to explain to me when the money will be returned. And no one has been able to tell me why the security alerts did not work. Not once did Chase contact me to explain why this happened.