23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We tried to refinance the house to get rid of the PMI insurance. There was an error in loan cares communication to us regarding our status of the PMI cancellation. When we first inquired about the PMI cancellation late XX/XX/2018. We received a letter shortly after, XX/XX/2018, that stated we DO meet the status of PMI cancellation and to just send {$100.00} for an appraisal. At that point we contacted customer service to CONFIRM the amount and the status of PMI cancellation and was informed to send in a check which we promptly did and it was cashed right away. At that point with the information that was given to us by loan care We decided that I would be able to stay home with our XXXX since we would be saving on the PMI insurance every month, of course with other bills we minimized and other cutbacks. It wasnt solely a decision based on Loancare but I did provide a notice to my work at that point. It wasnt until weeks later that we  received a letter stating that there was a mistake on the previously letter sent and that now we have to pay more money for another appraisal since we DID NOT meet the PMI cancellation. This was after we had already called in and spoke to someone regarding our PMI and it should have been caught then. Umm okay now I am XXXX with a XXXX and needed to act fast. I called numerous times, would wait on hold for hours at a time, all while taking care of my son, just to get hung up on or put back in the queue and never get an answer. I finally had XXXX to work with and a member of the management team to help me. I was promised several calls back by management and never received one call. XXXX never answered her phone and when she did call us back she provided no information and basically to just wait. No one ever notes my accounts so I would have to tell the story each time I called. This started back in XXXX I believe and finally in XXXX or XXXX was when they officially told us there was nothing they could do. So after multiple incorrect letters, getting wrong information from all representatives, and basically putting my livihood in their hands we refinanced, got our PMI removed and are where we thought we would be months ago. I am getting in contact with a lawyer, will file complaints with the CFPB, TPCA, and XX/XX/. 

It took 20+ phone calls, spoke to probably about 10 different people majority supervisors or above and absolutely got no where. I literally would be on hold for hours.

Dont ever chose the option of getting a call back and not loosing your place in line.. I am still waiting for about 5 of those call backs. No one called back, no one cared, it was all a joke to them. I was literally going through XXXX XXXX while they held my future in their hands. They are disgusting. I hope someone finally takes a stand against this company. Its fine we didnt meet the PMI but this needed to be communicated not pushed around for months and pushing a new mom to their breaking point. We would have paid the difference for PMI, took out a loan, but we couldnt even get any answers from them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Product: Mortgage

XX/XX/2019 My mortgage was sold recently, it used to be XXXX but they sold it to MrCooper.com. I went to the new mortgage lender 's site and registered so I could download monthly statements after I make my payments each month. I noticed there is no loan balance on the monthly statements. There is a breakdown of each payment such as principle vs. interest, but NO LOAN BALANCE on my statements. That is required by law. I have contacted MrCooper.com more than once through their online message system but they refuse to respond and they have not changed the monthly statements either to include the loan balance. I don't have an escrow account, I pay my property taxes myself directly to the county assessor 's office, so this is just about my loan balance -- I need to know what it is each month and they're required to provide it to me. They won't do it and again, they won't respond to my concern either. This seemed to be my only avenue to get them to both reply to my concern AND to provide me with my loan balance as required by law.
Product: Checking or savings account

I reserved XXXX XXXX for one night on XXXX on XX/XX/XXXX. There should be no charges since I only used my chance debit card to hold the one night stay. But the hotel charged me one night fee on the XXXX. Then I went to this hotel on XXXX and checked in using another international credit card to pay for the fee, not the chase debit card. By the time, I didnt realized that I was charged on the XXXX. I only book one night stay, but I was charged twice. After I checked out from the hotel, theres another XXXX dollars transaction on my chase debit card. Then I called the hotel asking about it, there was no damage to the room so I shouldnt be paying about XXXX dollar more. Then I contact the back about this unrecognized transaction, they first give a temporary credit to me, but on XX/XX/XXXX, chase bank reversed my transaction, the bank again charged my XXXX dollars which I should not be charging. I did use my debit card at XXXX XXXX and use it to reserve the room, but the hotel charge me a lot more than that. And chase also refused my fraud claim.
Product: Debt collection

I closed an account with XXXX like XXXX years ago. After reviewing my XXXX  report, i noticed there is a collection on my report amount of XXXX. I called the collection agency ( Enhanced Recovery ) and paid the amount. 

I contacted XXXX  and i disputed, even though on my report it says paid ; but XXXX   wont remove it until XX/XX/2024. 

Company Involved in my case XXXX XXXX  XXXX, 2. Enhanced recovery 3. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX never late XXXX   XXXX inaccurate/not mine XXXX  XXXX XXXX XXXX never late
Product: Student loan

On or about the 1st day of XXXX, XXXX, I began the process of " Payment is Pending Manual Review '' with Fed Loan serving regarding payments made during XXXX when I was under a different payment plan. I paid over the Standard Repayment plan and should be eligible for the TEPSLF expanded program. Now, over a year later, it is still showing under I have called several times in the last year to check the status of this manual review. I also completed a FOIA to the Federal Student Loan Government site and received record of those payments. I attempted to provide that information to My Fed Loans to expedite the process, and they did not want that information. Now, My Fed Loans is ending their contract with the government and PSLF program. If these payments are accepted, I will be finished with PSLF or the TEPSLF program sometime in the Summer XXXX. I am VERY concerned that with the new servicer, I will be unable to get a status check on this, and I will just have to continue making payments when I should be completed. 

Please help!
Product: Debt collection

I received an initial call from a collector for a debt to my son 's dentists, XXXX  XXXX in XXXX XXXX. I did not think I had a debt, I asked for the collector to send something in writing, since I had never received a bill from the Dentist r the Collector. Then I called the dentist to check - the dentist confirmed that I had no outstanding bills, and had in fact paid in full in person on the date given by the collector. The dentist further stated that they do not send their bills to collection ever and this was a scam. 
I received a second call from the collector for the same ( fake ) debt. I told them I knew they were a scam and asked for their information. 
They are called Receivable Management Partner Services LLC and they are not listed on the XXXX XXXX website as a licensed company to collect in XXXX. 
I told them I would report them The person who called said their name was XXXX XXXX and their Manager was XXXX XXXX. Their number was XXXX. Their address was XXXX XXXX XXXX XXXX, XXXX Texas XXXX. 
After I told them I had checked with my dentist and knew they were a scam, they still tried to confirm my personal information, such as my address, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL The credit bureaus are refusing to provide results and remove fraudulent information from my credit report. 
XXXX has stalled on all my disputes I have sent, I have sent 3 in the last 60-90 days and they continue to ask for proof of my identity. I have sent my ID, Proofs of address & a copy of my social multiple times. I have filed previous complaints and they still ask for this info. I need the CFPB to step in and do something. I have attached ANOTHER proof of identity.

There are items on my credit report that ARE NOT MINE!! All 3 major credit bureaus are reporting them and I have disputed them yet they stall or say they are valid. I would like to demand to know how you verified these inaccurate accounts? 
MY NAME IS COMMON AND OFTEN I GET STUFF FOR A XXXX XXXX ON MY CREDIT BUT I USE MY FULL NAME FOR ALL MY STUFF. MY FULL LEGAL NAME IS : XXXX XXXX XXXX XXXX. 
I am contacting my attorney and the attorney general in each area of your operation. 
THese accounts are not mine : all the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Please be advised that the final account statement in the amount of {$4600.00} shall be waived as my lease agreement with XXXX was terminated due to incapacitating injuries arising out of an automobile incident which occurred on XX/XX/2023. As such, I submitted a notice to vacate on XX/XX/2023. Under the Texas XXXX XXXX XXXX, a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations XXXX be necessary to afford such person equal opportunity to use and enjoy a dwelling, is considered discrimination. Both the Fair Housing Act and the Texas XXXX XXXX XXXX broadly prohibit XXXX in rental dwellings.
Product: Debt collection

PINNACLE CREDIT SERVICE keeps on harassing me and threatening me for debt I do n't owe they claim I opened a XXXX cell phone I never had a XXXX Cell Phone its impossible I have lived in XXXX at that time I have been XXXX since XX/XX/XXXX till XX/XX/XXXX please have them stop calling me and harassing me and discontinue all collections and remove the collections from credit report they have the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXXXXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I found out that there was a XXXX account in collections under my social in which I have NEVER IN LIFE had XXXX. I contact XXXX and let them know several times and XXXX kept telling me the collection agency had the account and that I needed to let THEM know in order for XXXX to be removed. I have filed disputes against both this company and XXXX in which neither has followed protocol for theft/unauthorized use of information. THE ADDRESSES they have attached to this account I have NEVER LIVED AT and they are in a state in which I have not lived since I was XXXX XXXX XXXX! A minor so it is impossible for me to have had XXXX XXXX in a place that doesnt even OFFER XXXX XXXX have I ever give anyone permission to use my information at ANY TIME for ANY REASON. This is absolutely unethical and I demand this be removed immediately. THIS DOES NOT BELONG TO ME AND THEY KNOW IT DOEST AS I HAVENT LIVED IN THE STATE IN WHICH THIS ACCOUNT IS XXXX ACHED TO IN XXXX XXXX YEARS. And I also NEVER LIVED AT XXXX ADDRESSED ASSOCIATED WITH IT EITHER! I have never had XXXX XXXX HONE CABLE NOTHING! And ALSO when I contacted XXXX to find out more information I found out that the date this company was reporting wasnt even the opening date of the fraudulent account! So not only is the original account fraudulent to begin with, this COLLECTION AGENCY HAS ALSO FRAUDULENTLY SWITCHED THE DATES XXXX MAKE IT SEEM MORE. XXXX XXXX IS EVEN WORSE! TAKE THIS OFF NY XXXX XXXX NOW! THIS IS A VIOLATION!
Product: Mortgage

During the transition of my mortgage service being sold from XXXX to Roundpoint final and first payments between the companies where not reconciled properly. My new mortgage servicer Roundpoint is stating that I am one month behind. After numerous calls they consistently fail to get this resolved. Now I am pass the grace period and am incurring late fees when I have never missed a payment since I bought the house in XX/XX/XXXX. My new servicing date for Roundpoint was effective XXXX XXXX, XXXX. I had already sent my mortgage payment to XXXX for XX/XX/XXXX. I made my first payment to Roundpoint on XXXX XXXX, XXXX and have n't missed a payment since. I have called numerous times to get it straight and they have told me its under investigation. Not XXXX person in their customer service department has helped me. This is very frustrating.
Product: Debt collection

Hello I received a collections filing on my credit report from rock creek capital. It was dated XX/XX/XXXX and I never received any letter about this debt or who the collection agency acquired this debt from. I believe it was supposedly on a company called x change leasing which leases cars and the car was taken back them and I never had the car for ownership purposes or making payment to own. Im not sure why they havent sent me any notices if this company the collection agency cant prove that I really owe the debt which I dont, this car was taken back XXXX, and its XXXX they want to put on my credit report as money owned. I refuse to pay.
Product: Consumer Loan

the payment portal is not functioning and customer service refuses to rectify and practices deceptive compliance
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this company many times. They stopped reporting to one of the credit bureaus but still report to transunion. These accounts are not mine
Product: Mortgage

OCWEN LOAN SERVIC  E,   XXXX   XXXX   XXXX  FL.   Paid {$2000.00} from  XXXX  to  XXXX   XXXX  for  Ocwen 3  month payment pla n Agreement   XXXX / XXXX / XXXX  paper signed for payment plan. late  XXXX  another paper was signed to accept  Modify was ap prove by  Ocwen Loan  service. paid by ACH wire on  XXXX .      Ocwen Loan Service .  XXXX   XXXX  letter saying your in default and modify not approve.   increase payment from {$500.00} to higher amount. This has been going on Since  XXXX  to  XXXX  payment plan is not working they are wrongfully taken my funds. I have file many complaints On wh ole two y ears of payments not posted, mail copy sent copy in  XXXX , this still not fix by  Ocwen..Statements  WAS mail  8 time in las t 5 years to fix.     My New home in  XXXX  was bought  1st  home b y  XXXX   XXXX   th is for Year , then transfer t o Homecoming,    GMA  C, Ocwen t ook over  XXXX . No w Ocwen r eported to agency that  Ocwen m y loan since  XXXX   XXXX  Which  is false Agenc y said it was reported by GMAC person ..I wanted  my funds b ack if OCWEN is not modify m y loan.     THIS OCWEN PROBLEM HAS BEEN GOING ON NOW FOR 6 YEARS. OF FALSE INFO B Y OCWEN LOAN SERVICES. NOT APPLYING PAYMENT, CHARGING FOR SENDING SOMEONE TAKE PICTURE OF HO USE FOR  XXXX  TO  XXXX , MISAPPLY PAYMENT FOR YEAR AND HALF. MY ACCOUNT STILL NOT FIX. WITH THE CORRECT AMOUNTS : AFTER SENDING STATEMENT  XXXX  TO  XXXX .      Ocwen  Email :  XXXX   XXXX ,  XXXX  Loan Number :  XXXX  Property Address :  XXXX   XXXX   XXXX    XXXX    XXXX , GA  XXXX  Dear  XXXX   XXXX  :  OCWEN receiv ed a payment on  XXXX / XXXX / XXXX  for the amount of {$500.00}.   Sincerely, OCWEN  XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  ( Do not send correspondence or payments to the above address. ) Dear  XXXX , We have noted the account with the information you have provided. The Home Affordable Modification Prog ram ( HAMP ) Strea mline third trial payment was received on  XXXX   XXXX ,  XXXX  and the trial modification plan is now complete. Please allow time for us to finalize the modification.     With regards to your concern about the Tax disbursements and the transaction history, we apologize for any inconvenience this matter  may h ave caused. We will send you a copy of the payment history and you should receive it by email within  three d ays.     To formally dispute your transaction his tory with Ocwen, plea se send a written request along with any supporting documents t o our Research Departm ent.The fax number for o ur Research D epartment is  XXXX   XXXX   XXXX   XXXX . You can also send your correspondence by mail to the following a ddress : Ocwen Loan Servicing, LLC  Attention :  Research Departmen t  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Product: Debt collection

I have repeatedly asked the TSI company to stop calling me, especially when Ive told them Im working. Theyve called several times in a day, everyday.
Product: Debt collection

I spoke to the person who called me from the hospital letting me know I owed money from when I was in the hospital about 2 years ago in which I proceeded to tell him I have not received a bill he said to keep a look out for it because it was not sent long ago or I might get sent to collection if I dont pay. He did not tell me when it was due so I assumed not yet since hes telling me to keep a look out for it. The call took place Monday XX/XX/XXXX. I received the bill Wednesday XX/XX/XXXX. I also received a letter from collection Wednesday XX/XX/XXXX. Why was I sent to collection 2 days after he told me to look out for my bill. Makes no sense. He could have told me to pay over the phone or that I was already sent to collection.
Product: Debt collection

I KNOW THE CREDIT BUREAUS HAVE NOT DONE AN CORRECT INVESTIGATION INTO THIS COLLECTION ACCOUNT THATS SHOWING ON MY REPORT. THEY SAY IT WAS VERIFIED, WHICH I DOUBT IS TRUE BECAUSE IT'S NOT MY ACCOUNT.
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint to ONEMAIN since no action action of getting this deleted has been taken about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am refiling this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus.
Product: Mortgage

Began discussing loan modification options around XXXX of 2022 and advised we could either put delinquent amounts on the end of our loan or add to loan with increased interest. We declined the latter and in XXXX and XXXX of 2022 received modification paperwork which increased our interest rate from XXXX XXXX XXXX XXXX XXXX, increased payment by $ XXXX and seemingly adds total amount past due to principal balance which would change from XXXX to XXXX. Told this or paying off the loan was our only option. 
Received notice dated XX/XX/2022 that we had until XX/XX/2022 to discuss options to avoid foreclosure but home auctioned off on XX/XX/2022. We had no idea this could or would happen as we were actively attempting to find resolution. Unsure at this time if sale will stand and we will be evicted, and forced to file XXXX XXXX XXXX immediately. 
Towards the beginning of XXXX told we were on 180 day forebearance, later told we werent and denied our request for forebearance stating unnecessary. On XX/XX/2022 told by phone all available forebearance used but we believe a 90 day forebearance was only utilized/requested 3 times. Told we had to reapply for forebearance after 90 days. Required to fill out extra information to qualify for forebearance. 
We believe dual tracking occurred and loan modification and foreclosure were happening simultaneously. 
Spoke with representative in XX/XX/2022 to notify of our intent to apply for XXXX and asked for confirmation of forebearance. Lead to believe we were on forebearance. We believe forebearance and XXXX postponing foreclosure date were used interchangeably. 
We question accurate reporting to credit bureaus, assessing late fees while in forebearance, and level of deception that occurred overall. Due to our home being auctioned off we felt it more important to initiate complaint and not wait to look through all correspondences for other incidents.
Product: Payday loan, title loan, personal loan, or advance loan

Credit Karma showed I had outstanding approval odds. Credit karma says my score is a XXXX after being denied and dropping my credit from applying to the small personal loan it said I would be approved, but I was denied! NOT RIGHT AT ALL. I would have never applied if I knew I did not have the credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX