23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint is regarding my mortgage servicer Newrez LLC dba Shellpoint Mortgage Servicing and its unreasonable delay in processing my private mortgage insurance cancellation request. I have had to pay PMI for months that I believe should have already been cancelled while Newrez has failed to respond to my request in a timely fashion, and I see there have been many other complaints in the CFPB database on this exact issue. I submitted a request through my Newrez LLC online mortgage portal on or around XX/XX/year> to have my PMI cancelled based on the valuation of my home, and on XX/XX/XXXX I received an emailed autoreply letting me know that my request may take up to 20 business days for Newrezs Mortgage Insurance Specialists to fully process and complete it. I then received a letter dated XX/XX/year> requesting a {$190.00} payment for an investor-approved property valuation. I sent in a check following all instructions and it was cashed on XX/XX/XXXX. On or around XX/XX/XXXX, I followed up with Newrez via chat to ask about the status of my BPO. A broker contacted me on XX/XX/XXXX and came to assess my property on XX/XX/XXXX. On XX/XX/XXXX, I contacted Newrez via chat for a status update and was told they were missing the brokers report and that there might be a delay from the PMI department, but the customer service representative said they had escalated this to our concerned team to expedite the process. Neither that customer service representative nor another customer service representative I chatted with on XX/XX/XXXX would share direct contact information for the PMI department. The broker confirmed on XX/XX/XXXX that he had sent his report a while ago and would also resend it to Newrez. On XX/XX/XXXX, another customer service representative confirmed via chat that they had received the BPO assessment and that they are actively working on your cancellation. It shouldnt be too much longer to complete! I followed up again via chat on XX/XX/XXXX and the customer service representative confirmed again that they were actively working on it and said it will be completed in 5-7 business days. On XX/XX/XXXX, I chatted with another customer service representative who first told me they were still missing the BPO report, but when I asked them to check again they confirmed they had received it and said to please wait for another 5-7 business days. It has been five months and Newrezs delay is coming at my expense.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 have informed Experian that my report was inaccurate and they have not replied or took any steps on resolving this issue.
Product: Mortgage

A MODIFICATION WAS PROCESSED BACK IN XXXX. WITH THE INITIALS I AM LOOKING AT ARE NOT MINDS OR MY WIFE. THE LETTERS LOOK LIKE A WHITEOUT FLUID WAS USED OR SOMETHING WAS ERASED, AND A LETTER WAS ADDED. I FEEL THAT THE NOTARY SHOULD HAVE MARKED IT A INCOMPLETE JOURNAL. IT REALLY LOOKS LIKE THE LETTERS WERE TRANSFERRED FROM ONE DOCUMENT TO ANOTHER TO MAKE IT LOOK AUTHENTIC. THE MODIFICATION CAUSED THE SUM OF {$30000.00} TO BE ADDED TO THE PRINCIPAL OF MY MORTGAGE WITH INTEREST. WE DID NOT SIGN THIS DOCUMENT BACK IN XXXX I DID NOT REQUEST FOR A MODIFICATION. I HAVE A DOCUMENT THAT SHOWS THAT AMOUNT WAS DEPOSITED IN ONE OF YOUR CLIENT 'S ACCOUNTS AS AN ASSET IN XXXX
Product: Checking or savings account

I have a Capital One bank account. My direct deposit is normally processed Thursday morning or Friday morning. They are currently experiencing an outage, and they are approaching day 3 of the outage.

I have mandatory bills, not just the normal food, groceries, gas but also court payments things that have devastating legal consequences that I can now not take care of because they have been down for DAYS.

I feel absolutely abandoned by this country. First Capital One steals everyone 's interest payments and now they just refuse to handle the money.
Product: Mortgage

21st Mortgage, as part of my agreements with them, is to pay my homeowner 's insurance and property taxes every year. They escrow for this but twice they have failed to pay all of my property taxes and this year they failed to pay my homeowner 's insurance and caused it to lapse.
Product: Money transfers

On XXXX XXXX, 2015, I made a purchase on EBay. I was transferred to the PayPal website to make the payment. It was my intention to register my new XXXX with PayPal and make the payment using this XXXX. I went through what I thought were the steps to register the card and was then transferred back to EBay. 
Shortly thereafter I received XXXX emails from PayPal Credit : " Welcome to PayPal Credit '' and " Important information about your recent PayPal Credit purchase ''. The second email contained the statement " If you do not want this offer, please contact us at XXXX Monday-Friday, XXXX to XXXX Eastern and Saturday-Sunday, XXXX to XXXX Eastern. " On XXXX XXXX, 2015, I logged into my PayPal account and saw that my new XXXX ( XXXX ) was listed as an accepted form of payment. I then called the XXXX number and spoke to a representative. I requested to have the PayPal Credit account cancelled and to have the original transaction charged to the XXXX. She told me that PayPal Credit ( PPC ) did not accept credit cards and that I would have to provide a bank account for payment. I told her that I had been deceptively signed up for the PPC account and insisted on making the payment with the MC. She continued to insist on the bank account transfer. I asked to speak to her supervisor and was transferred to " XXXX, in Arizona ''. He also refused to take payment from the XXXX and insisted on using a cash account to settle the transaction. I told him that I would be filing a complaint with their Federal regulator prior to making any payment decision but he did not change his position. I asked for his supervisor 's name, " XXXX XXXX '' and an address to complain to PPC, " XXXX XXXX XXXX, XXXX, MD XXXX ''. I then ended the call. 
A quick internet search showed me that PPC had already paid a XXXX fine to the CFPB for similar practices in Civil Action No. XXXX. I then decided to file a complaint immediately with CFPB.
Product: Credit reporting or other personal consumer reports

Please see the attachments pertaining to the lawsuit against Equifax and how it affects my accounts. This has caused substantial harm to my family 's finances and opportunities.
Product: Debt collection

I never moved to XXXX on first apartment in XXXX washington, I just filled the application form and paid the application amount.Although I never signed lease. 
I got email confirmation from property management as well that I dont owe them any amount.But i am getting calls from IQ international data about the amount I owe to them, which is false .It has also impacted ky credit score kindly help and let me know if you need more information from my side best XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account number : XXXX, XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX Opportunity to cure Default Final Notice NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information On XXXX I mailed certified mail a notice requesting my Disclosure Pursuant 15 USC 6802 ( b ) you have failed to provide me with the required disclosures as per federal law. The law is explicitly clear that before a financial institution discloses any consumers nonpublic person information, they must give the consumer XXXX disclosures, so the consumer has an opportunity to opt out of having their information reported. 
XXXX XXXX you knowingly, will fully and fraudulently withheld pertinent information to suite your own agenda, forcing me to comply illegally with you reporting my nonpublic personal information to a non-affiliated third-party company for your own benefits and profits, this was not equitable to me, my family or household. 
I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ). 
PURSUANT 15 USC 6802 ( B ) I XXXX, XXXX a living breathing man hereby exercise my right and specified remedy to OPT-OUT of having this account with my nonpublic person information reported. 

When calling the above creditor, they clearly stated they could not find me in the system, and the accounts were established by another individual. I have also enclosed my information. 

XXXX XXXX ( All Rights Reserved )
Product: Mortgage

This is follow up to CFPB complaints # XXXX loan # should be XXXX There are 3 loans in dispute with BMO Harris bank. 

All have extra principal not being applied.
Product: Credit card

I applied for a chase united credit card as the promotional offer was suppose to included. XXXX XXXX points once I hit a limit of XXXX spent. I hit the limit and they told me that the offer doesn't exist with my account. How would I know about the offer and this is the reason why I signed up for the card in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert dropping adding this account to collections. I was never notified of this bill being sent to collections. I had been in contact with the original creditor back in XX/XX/2017. I was advised due to self pay that I could be offered a discount for services. I was sent some paperwork and that paperwork was then sent back to the XXXX XXXX. 

I was never sent a bill for the amount in question nor was I notified that it was in delinquent status. I feel it is extremely unfair to have been billed to my credit report rather than giving me the opportunity to pay the debt. I have reached out to the collection company and have not got any help of prof of debt. I spoke with a supervisor by the name of XXXX XXXX. She refused to help me resolve the issue. Trans world only resolution is to pay the total amount due. The collection company that has added this derogatory debt is very rude and unruly, and unprofessional. I have tried to work with the collection company and I am not able to get resolution. I was told that it will continue to ruin my credit report ; even though I have not been notified.
Product: Checking or savings account

My phone was stolen and a fraudster made transactions to my account
Product: Credit card

I missed one payment. They closed my account and sent me a bill for {$600.00} minimum payment on a {$2600.00} balance. I paid {$140.00} as that is all I could afford at the time. Three days after paying the bill, they locked my account restricting access to my current balance and ability to make payments. After locking my account, reported a significantly higher balance to my credit report and reported it 60 days late. I feel like this is predatory behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Unfortunately, Equifax has not responded to my inquiry, and the following discrepancies remain unresolved. I kindly request your intervention in addressing these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report pertains to the following accounts : ( XXXX  XXXX Opened XXXX XXXX, XXXX, Balance : {$1100.00} ), ( XXXX XXXX, Opened : XXXX XXXX, XXXX, Balance : {$670.00} ), ( XXXX XXXX, Opened : XXXX XXXX, XXXX, Balance : {$220.00} ), XXXX XXXX  XXXX, Date Opened : XXXX XXXX, XXXX, Balance : {$510.00} ). 

For each of these accounts, I dispute the accuracy of the reported information and request their immediate removal from my credit report. The details of each account are as follows : XXXX XXXX : Equifax includes three accounts under the name XXXX XXXXXXXX, which are not mine. I request the removal of these accounts from my credit report. 
XXXX XXXX  XXXX : Equifax reports this account with an incorrect Original Creditor name of XXXX XXXX XXXX. I am familiar with the original creditor for this account, XXXX XXXX ILLINOIS XXXX, but I have no association with the company stated on this account. Furthermore, the reported XXXX of {$510.00} is inaccurate as I recall the balance to be lower. Due to these discrepancies, I dispute the entire account and request verification of the Date Opened and Date of First Delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are late payments on my credit when I was granted a leave of absence and I was disputing charges as I received student loan and university failed to provide required courses for graduation and degree or transcripts
Product: Credit card or prepaid card

XXXX late fee. Paid in full on the due date as evidenced by receipt from other credit card company which paid this balance. Have since received another bill, with another late fee on top the late fee originally charged. this additional fee was now for {$26.00}. total bill now {$51.00} consisting of fees. I have spoken to citibank, to no avail. I feel these fees are incorrect and unjust and would like them removed.. My funds are limited, and hoping for your help in resolving this issue. Thank you.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX  XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX Balance Owed : {$64.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$1100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} OXXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I originally put in a claim because the toll company had charged me for tolls that wasn't mines when I had a rental they came back after investigation and seen that I was correct and was going to offer a refund for the money but capital had already did fast forward capital finish their claim and says I was wrong and took the money back out my account i called them and they told me to send over the emails to their claim email which i did was told it would take 10 days 10 days past and then they still had no update XXXX day later they are now saying I'm still wrong I will attached the XXXX emails from the other company here.
Product: Mortgage

I paid my mortgage on XXXX/XXXX/15. My mortgage company reported me late to the credit bureaus. I contacted my mortgage company to discuss why they reported me late when I was n't and they indicated that even though I made my payment on the XXXX/XXXX/15, it was not posted to my mortgage account until XXXX/XXXX/15. The mortgage company indicated that if the payment is made after XXXX., it is posted the next day, making my payment late. I paid my mortgage online using their website and my statement indicates that payments received by XXXX local time will be applied the same day as received. I can not control when my mortgage company posts my payment to their system, however, my payment should credit my loan account the day it is received. I spoke with an account manager who said there is nothing that can be done. Per my research on the Federal Trade Commission site, " a servicer must credit payment to your loan account as of the day is it received ''
Product: Bank account or service

someone give me a fraud check and I suddenly deposit it thru my account. I just wan na help but I did n't realize that check is fraud and he keeps calling me to send him the money after I put in my account.
Product: Debt collection

I am being pursued in collections by a debt collection company. the company is attempting to collect on debt that i did not incur. i was pursued in a collection action for an amount that was greater than 20 % than the amount that was charged off. The collection was increased with multiple unlawful fees, penalties, and other administrative costs. I am unfairly contacted at all times of the day in an uncivil attempt to remind and collect on debt that was not lawfully incurred. some of the debt approaching seven years old does not pass the time bar on the statute of limitation for debt collections. I am trying to settle with the law firm that is pursuing the attachment in courts and they are unwilling to settle only attempting to draw out and prolong an already unfair and pumped up debt.
Product: Checking or savings account

I went to apply for a new account with XXXX XXXX and they told me I had some car loan from XXXX. This car loan was in my ex wife 's name and I was away in XXXX at the time. I did not know this car wasn't paid off. However, it has been over XXXX  years and they still have an unpaid/open car loan. I am a XXXX XXXX XXXX  and I have a right to a bank account with them and according to banking regulations Credit Unions are supposed to : They never reported this to my credit ; meaning I never knew this loan was due. 

XXXX Credit unions must report the difference between approved limits and outstanding balances for secured loans under Other Unfunded Commitments XXXX Credit unions must charge off loans to the ALLL account when the board deems the loan a loss
Product: Debt collection

Total accounts : {$290.00} and {$290.00}. 
I asked them to provide me with information explaining what legal obligation I owe them, and for what services did they provide. I am not liable for this debt for XXXX XXXX XXXX and I do not have a contract with I.C systems. 
I demand that this collection be deleted and removed from my credit report. 

IC System reported a collection acoount for a total of {$290.00} and {$290.00} on behalf of XXXX XXXX XXXX. I have no knowledge of this debt and would love to have it removed from my credit profiles.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX they disconnected the services. I did not know until I received a late payment for the first time with this XXXX XX/XX/XXXX. I sent numerous emails to fix this problem there has been no feedback just automated responses to me. They finally let me back into the account in XXXX. IM unable to use the functions in the App. The account has never been late until this problem occurred. 

Now there is another late payment on my account. I've sent emails and there has been no response to pay the balance nor discuss removing the late payments.
Product: Credit card

A chase credit card account became past due and was settled in XX/XX/XXXX. I paid the settlement agreement in full and received a tax form for the written off portion of balance that I paid taxes on. In XX/XX/XXXX I called Chase and offered to pay the remaining portion of the balance that was written off so they would update my account to 'Paid in full ' as opposed to settled. They agreed and took my payment and updated the verbiage on account. What they did n't tell me is they re-opened the account status for credit reporting status to show late payments of 120 days plus for almost 2 years prior to the payment of the amount in XX/XX/XXXX. I specifically asked the agent at the time of offering to pay back the portion that was already settled and written off if this would jeopardize my reporting on credit in anyway and they assured me it would not. I remember specifically asking them if it would because I would rather not pay that portion and leave the account be if it would cause further issues. Basically they updated the verbiage but then updated my account with credit bureaus to make it look like I had an outstanding balance with them that was rolling XXXX plus day late payments for almost 2 years. The account would have been removed from my credit profile at this point but they say it will stay on until XX/XX/2019 which is XXXX years from the date I called in and made the payment to them just to update the verbiage on trade line. I did this because I work as a loan XXXX and wanted my credit profile to be as clean as possible. In attempting to better my credit and right a wrong Chase has extended the damage to my credit on an account they settled. My request is to have the account removed from credit profile as the account has not been active for over 7 years. They have been paid in full and I maintain a credit and checking account with them now with excellent history. I placed a dispute with XXXX and they came back and said Chase did not agree to remove. I have called Chase probably a dozen times over the past 3 years and tried to get them to help and the department that handles this told me they agreed with me and that the account should be removed but due to a dispute with another department on how it should be handled they cant remove it. This is been ongoing for XXXX years. They said it 's not high enough priority to get the dispute resolved internally on how it reports. This is damaging my ability to get low rates on credit and costing me money over their petty internal dispute it sounds like to me. Any help is appreciated.
Product: Mortgage

I submitted a complaint to your office regarding this issue with Chase bank before. We spoke with Chase bank customer service. We have been told that they will be working on our case and asked us all the proof of income. We submitted all the information but Chase never contact us with the help they say they will help us with. We are at the end of the year no solution. We are wondering on how long will Chase bank take to tell us about our mortgage modification. We our income we are not able to pay our mortgage monthly payments as scheduled. Too high.