23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Renewed my homeowner 's insurance 20 days prior to the expiration date. Sent a fax copy of the policy to the company on XX/XX/2020. I received a letter from XXXX XXXX  saying the end of XX/XX/2020 saying my insurance was expired and they were going to purchase insurance for the property XXXX XXXX XXXX XXXX XXXX. I called the insurance department and talk with a staff member who was very rude. I requested to talk with a manager who stated that they had not received my renewal. I confirmed the fax number XXXX the same as I had. I told the manager I was current on my insurance and will re-fax with the address, loan number and my name. I re-faxed and had gotten confirmation a second time. On XXXX XXXX I Received an insurance policy in the male from XXXX XXXX with a letter stating that they had purchase homeowners insurance for my property. I went to the XXXX office and had XXXX re-faxed with a confirmation. I addition, XXXX XXXX stated the had opened up an illegal escrow account in my name and has increased my mortgage payment. I had fought XXXX XXXX  with your help last year to discontinue my escrow account considering they had not paid my taxes and insurance 2 consecutive years with last year finding out I had no insurance on my property XX/XX/2020 as they over padded my escrow account and did not pay my homeowners insurance after receiving payment billing from XXXX. I request to close my escrow account and was told I had to pay 1 of the mortgage. I then seek your help in closing the account. They did return my balance IN my escrow account with some threatening words. This company constantly intimidate its clients. I know they got my faxed 2 and denied it. I sent a third time and is requesting you take a look at this company. I have several friends who have this mortgage company and is having similar problems. I have gotten a lot of harassment from this company since they have taken over my mortgage 4 years ago. This is the company that I requested to close out my escrow account initially when they bought out my mortgage and on several occasions thereafter with the answer been each time I had to pay them 1 % of my mortgage to have that done because they own my escrow account and not me. My request at that time was made verbally via phone and in writing. I had to seek government assistance last year to have my escrow account close out without paying 1 % of my mortgage a fee to have its closeout. Now they have decided to reopen my escrow account illegally and have purchased homeowners ' insurance and charge it to me. I would like this account to be a close and illegal increase in my mortgage payment stop. I will be paying the amount I pay monthly for my mortgage and not a dollar more over that for an illegal escrow account. I am not going to absorb the cost of that second insurance.
Product: Checking or savings account

I recently started a new job and as part of that I had a XXXX XXXX XXXX with my previous employer and a new XXXX XXXX XXXX with my new employer. I've been trying unsuccessfully since XXXX to transfer my old XXXX to my new XXXX. Both XXXX are part of Optum which apparently operates separately with Optum Financial and Optum Bank. XXXX of my XXXX is with Optum Bank and one is with Optum Financial. I talked to representatives at both parts of Optum and was instructed to download a transfer form to send in. The first time I followed the instructions and they responded and said it wasn't valid. Then I talked to them and asked them to walk me through exactly what they needed. The representative directed me to the location on their website to download the form and walked me through the fields to fill out as well as where to upload it. I did it just like they asked. Now they have done the opposite of what I needed and closed my new XXXX, transferring the funds to my old employers XXXX. In calling them today rather than help me solve it, the representative just kept telling me it was my fault because I filled out the wrong form. They are literally the same company, how can this be so difficult? I asked to have the call connected to a manager to which I was told he could handle it. Had to push to get a manager on the line to which I've now been on an excessive hold and I have very little faith they are going to help me get this resolved. They have also been charging me account maintenance fees on my old XXXX monthly because my old employer is no longer paying the fee and they charged me a transfer fee from my new XXXX. This is exceedingly frustrating!
Product: Credit card or prepaid card

On XX/XX/2020 my wallet and phone were stolen from my friend 's car in XXXX XXXX XXXX XXXX while we were surfing. On that date I called Chase to report that my card had been stolen along with my cell phone and they said that they canceled the credit card, were reimbursing me, and generally were very helpful. The charges were On Monday, XX/XX/2020 I went on my account and the two charges had been billed to me. One is for {$2300.00} at XXXX 's and the other is for {$9100.00} at XXXX XXXX. When I called to again dispute the charges I was told that they had reauthorized the charges afterward because they had been verified or confirmed by my cellphone. I can already tell what is about to happen : they are going tot try and say that I never told them that my cellphone is stolen. 

Now they are saying it will take XXXX business days for them to review the transaction. In the meantime my credit score is shot and my credit limit trashed. I submitted the case number to them but only time will tell.
Product: Debt collection

I am unaware of this debt and did not have the opportunity to dispute it. Please provide me with the certified receipt of the notice, including my signature.
Product: Payday loan, title loan, or personal loan

I was not given the loan terms when I applied for a {$1200.00} loan, then I was charged 653 %. I immediately notified MintoMoney to cancel my loan as I did not agree to the 653 % loan. I was than still forwarded the money after i told them i was not interested. The company began withdrawing money from my account weekly. I tried to ask for a buyout amount and they said i now owe over {$4000.00}. I need help as the company is not harrassing me and calling constantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and Transunion is reporting a dismissed bankruptcy on my credit report. I received notification that the bankruptcy was removed from my credit file. After removing it, Transunion put it back on my credit report. According to the Fair Credit Reporting Act, Transunion is supposed to notify me within five business days of adding and removing anything from my credit file. Transunion has failed to do this, so I am requesting that the Bankruptcy is permanently removed from my credit file. After reviewing my Transunion credit report, I noticed that the public record does not include my name, address and either my social security number. None of this information is showing on my Transunion credit report regarding my public record, so I would like the bankruptcy to be removed. I would also like an updated credit report once this is done.
Product: Vehicle loan or lease

I'm trying to pay my car note in a timely manner, and my account is already behind because they are allowing me to pay my bill. They said the only way I can pay my bill with a credit or debit card is by allowing my account to go into retention and that would further damage my credit and financial standings this also gives them the right to repossess the vehicle. This payment method is pushing me further into debt. When trying to pay my bill in a timely manner that are asking me for my banking information and they are not following the guidelines of the Fair Debt Collection Law. This is the first time they asked for my banking information, I refuse to give them that information they are not allowed by law to ask me that information over the phone. I've paid with my credit card before, they closed my online account and they are telling me that I have to pay using XXXX XXXX. They have a pattern of forcing debt upon people and they do not allow people to pay their car notes in timely manners. They are not allowing me to pay my bill unless it is in the rear. They asked for illegal information like my routing and account number that is not abiding by the FTC, or CFPB statures of the rules. In Addition to Update this current report because nothing has been done to rectify the first complaint. They are now charging an unfair interest rate towards my vehicle because the will not allow me to have the proper accessibility to pay my bills in a timely manner, which is the characteristic of a predatory loan. Ive made multiple attempted and the force me to be a month behind to have accessibility to pay it then charge me an interest higher than the payment amount for the vehicle. I get harassed everyday and receives calls from XXXX to XXXX  times a day from these people though I pay it every month and its only XXXX month behind because they force me do be so ignorer to make a payment. They mentioned I dont have an account created which is due to everytime I go to create one they delete my account and say this account doesn't exist or has been block for such an amount of time. I never had access to an account to create one cause they got my telephone number blacklisted since I they tried to reposes my car the first time and I got it back and havent been able to access my accounts since. Though they act like it an accessible option though that are blocking my acess to the site and in addition to detail they offer a third party western union but that still does not mean they will process it then and there because last time they said they got it and still took XXXX weeks just to process it and now they a charging a predatory intrest rate when they are stalling payment options forcing consumers into ruined credit and debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : QUADPAY VISA ( XXXX ONLINE PURCHASE ) is trying to steal money from my XXXX Debit card ending in XXXX. I purchased XXXX products on XX/XX/2020. The total for purchase ( after returning 2 items ) is {$59.00}. 

Summary : 2 items from order numbers ( XXXX ORDER : XXXX THROUGH QUADPAY ORDER : XXXX ), have been returned. 

( 1 ) XXXX XXXX BOOT ( CHESTNUT  ) WERE DAMAGED, AND ( 2 ) XXXX  XXXX XXXX  XXXX  XXXX  ( NOT WANTED, WRONG SIZE ) Both QUADPAY AND XXXX ARE REFUSING TO ISSUE REFUND REGUND {$26.00} ( what I Am Due ). The XXXX  XXXX  Slides purchased ( Cost : {$75.00} XXXX {$20.00} REWARD COUPON, Tax {$4.00}, TOTAL : XXXX ). QUADPAY HAS SLREADY DEBITED MY XXXX CARD {$86.00} ( 1 installment of {$350.00} ) ; however, with the returns, I MO LONGER OWE THEM, THEY OWE ME {$26.00} I have contacted both XXXX ( telephone and email ) and QUADPAY to no avail. QUADPAY IS STILL TRYINGVTO STEAL MONEY I DO NOT OWE THEM. 

NOT {$26.00}. PLEASE SUCCESSFULLY PROCESS {$26.00} ( ADDITIONAL XXXX ). QUADPAY, YOU DO NOT HAVE AUTHORIZATION TO DEBIT FORM OF PAYMENT XXXX CARD ENDING IN XXXX FOR XXXX ORDER : XXXX, QUADPAY ORDER : XXXX. 

XXXX has been contacted and a dispute filed XX/XX/2020 ( MONDAY, TICKET NUMBER XXXX ). They are refusing to come into comportment with REGULATION E. I have to eat, they are too UNCOOPERATIVE. 


Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX
Product: Checking or savings account

My CHASE account was missing {$6500.00}. I found out when a check came back for insufficient funds in XXXX of XXXX. My branch researched and found that back in XX/XX/XXXX someone created an online Bill pay and took {$6500.00} without my knowing. The person also changed the mailing address for the account. All I was getting was my monthly credit card statement from CHASE ( VISA ) showing fully paid each month. XX/XX/XXXX XXXX was killing people over XXXX in in Florida and the stress was relentless In XX/XX/XXXX, I filled a claim ( # XXXX ) with my branch, and I got back the funds. Now today XXXX XX/XX/XXXX I received a letter asking for the money back. Reason : I should review my online statement every month. I did not get a statement and did not ask or created an online account. I've been a Chase customer for many, many years and paid off a mortgage with Chase over those years. Years before there wasn't such a thing as ONLINE banking. Chase had kept my money safe until now.
Product: Credit reporting

I have disputed several times that the XXXX account was not mine. You guys keep saying that you are verifying with XXXX that the account is mine. I spent over an hour on the phone with XXXX today and they could not find me by name, address or social. XXXX from XXXX sent an email of the call stating that i do n't have an account nor have I ever had an account with XXXX. He also put a copy of the escalation in the email that shows he requested for me to get a copy of this information on XXXX letter head. Im asking that with attached documentation that this account be removed immediately considering that this account is seriously affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint will be my sixth complaint about my credit report and scores. I have already told in earlier complaints that I was faced extreme hardship when I was in California, that time am not able to make payments and my car my wallet was stolen I have police report. Now I am paying my owes. This information I have told to XXXX XXXX XXXX and XXXX and experian. Still am facing hard time due to these three companies. I am applying XXXX  credit card they were denied me because of your credit report. So here is the bottom line if You dont repair my credit I will put case against XXXX XXXX XXXX XXXX and experin and I will put discrimination case too, I will approach leagally a lawyer.
Product: Credit card or prepaid card

I had a personal Chase Sapphire credit card before and decided not to renew the card and canceled the card on XX/XX/XXXX with a customer service staff on the phone. I made a final payment around {$4600.00} ( I can't remember the exact amount. ) on XX/XX/XXXX and haven't used afterwards until I canceled the card. By the time I canceled the card the reward point was XXXX and it was equivalant to {$1000.00}. The customer service staff said I can be paid that amount of money, that's why I canceled the card. I requested to send the money to my XXXX bank account and gave my XXXX account number. I had been waited for the money but I couldn't receive it. After that I called Chase credit card customer service XXXX XXXX. They have been telling me that they don't have an access since the account has closed and can't give my money back. Even I said I have the credit card statement but they didn't want to pay for me. This is really unfare and I can't give it up.
Product: Credit card

Throughout my history with this account, I've consistently upheld timely payments, preventing any instances of overdue payments. I find myself uncertain about the rationale behind the presence of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Student loan

I attended a predatory for-profit school that used several tactics of misconduct to lie and cheat students out of money and peace of mind. XXXX XXXX XXXX XXXX XXXX XXXX was investigated and sued and as a result was closed down. Also as a result, my federal loans from this school have been discharged. However, Mohela has denied the discharge of my private loans and has failed to give me an honest answer as to why that is. 

I have no reason to continue to pay these loans when my federal loans have been discharged for the same reasons, gross misconduct. Mohela is holding into this debt for no good reason and is prolonging the stress and hardship I've endured with these predatory loans for years.
Product: Student loan

I applied for XXXX  XXXX XXXX XXXX in XXXX of 2020 and my application has still not been accepted or denied. This is usually a few months process, and it has been over a year since first sending my application. When speaking with customer service they don't know why the application has not been accepted and they are unable to answer any questions I have about why it is taking so long. I am told my application has been resubmitted for a third time. The loan servicer does not return phone calls when promised and I am constantly following up to try to get answers, but they do not have any.
Product: Mortgage

In 2004 I received a truth in lending statement that I would pay {$480000.00} over 30 years. Instead I paid {$700000.00} over 16 years.
Product: Debt collection

In XX/XX/XXXX, I began receiving calls and voicemails from an unknown number stating there was a " personal business alert '' from XXXX and that I should call XXXX XXXX XXXX XXXX to speak with a representative. Due to the cryptic and repetitive nature of these calls and voicemails, I assumed it was a scam attempt and decided to not interact further. 

Then in XX/XX/XXXX, I checked my credit report because I was going to start looking for apartments soon. I saw a significant drop in my XXXX XXXX from XXXX in XX/XX/XXXX to XXXX, where it sits currently in XX/XX/XXXX. I was befuddled, and saw a notice that said there is a presence of a XXXX  public record or collection. I then made the correlation that I began receiving cryptic phone calls and voicemails in XX/XX/XXXX and my credit score began XXXX  in XX/XX/XXXX. 

On XX/XX/XXXX I decided to call the XXXX XXXX XXXX XXXX number given in XXXX 's voicemails and attempt to get to the bottom of this. I then spoke with a XXXX  who told me that XXXX was attempting to collect a {$150.00} rental debt from my previous apartment complex XXXX XXXX. 

I had moved out of XXXX XXXX in XX/XX/XXXX. I then moved into my current apartment in XX/XX/XXXX. When I moved out I did provide XXXX XXXX with a current and valid forwarding address. 

I then told the representative from XXXX that this phone call was the first time I was ever notified that I had a outstanding debt with Fairways XXXX. I also told the representative that I had never received any formal written notice from Fairways XXXX or from XXXX of this rental debt. I told the representative that I provided a valid permanent address to XXXX XXXX. The address I provided them is my permanent address where I have all my important XXXX  sent. 

I then paid XXXX for my outstanding {$150.00} debt, because I wanted a swift resolution to the issue that was severely affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to contact this company " XXXX XXXX  - closed loans '' with no success. During the pandemic COVID-19, I let them know about my payment situation and they informed me that I was protected by the Care ACT and several months later I noticed that XXXX XXXX reported 2 late payments of 30 days on my credit report no matter they told me that was covered. 

The following months are in XX/XX/XXXX / XX/XX/XXXX. 

In addition I opened a dispute and they " XXXX XXXXXXXX XXXX XXXX '' won't make the proper changes. 

Also, this load has been paid un full on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Been requesting information under the FCRA section 611 ( a ) ( 1 ) ( A ). Also under FCRA section 611 ( a ) ( 6 ) & ( 7 )..
Product: Mortgage

Complaints are being processed with the Second Judicial Court in XXXX XXXX, XXXX. Nationstar is not a legally valid servicer, and XXXX XXXX is not the beneficiary. XXXX refused 2 full loan payoffs and prohibited monthly mortgage payments on an account that was not in default. See attachments for further specific details of XXXX 's wrongful foreclosure. The CFPB has secured substantial Consent Judgments for the misconduct that XXXX is perpetrating.
Product: Debt collection

I have called the company on several occasions and they never answer. the calls get disconnected. they call every day and now have contacted my employer. I have asked them to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having tons of problems with my equifax credit report for the last 6 months or more. First of all noticed that a lot of my credit accounts that were reporting have disappeared. As well I have called equifax on numerous times regarding me not being able to pull my report from other credit monitoring services and XXXX XXXX. I have called and they have fixed it and goes back to the same problem. Every time I call they tell me that their is nothing wrong with my file and that these are third party monitoring services and try to sell me their product which I do n't want and do n't like. how ever this is multiple credit monitoring services telling me the same thing that equufax is the problem. Their is nothing wrong with any other one of my other bureaus beside equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX TransUnion ) and the Creditor ( DEPT ED/XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Student loan

I have had a loan with  XXXX  now Navient since  XXXX . The original loan amount was {$10000.00} after some 13 years of payments I still owe {$8400.00}.  <P/> Loan Status Repayment Repayment Plan Full Principal and Interest - Ends   XX/XX/XXXX   Repayment Start Date   XX/XX/XXXX   Estimated Payoff Date   XX/XX/XXXX   Ready to pay off this loan today? Here are the amounts : Show more information about Loan Payoff Online {$8400.00} By  U.S.  Mail {$8400.00} Unpaid Principal {$8400.00} Current Balance {$8400.00} Interest Rate 14.250 % Interest rates on private loans are set by the lender.   Interest Type Variable School   XXXX   XXXX   XXXX   Lender NAVIENT Disbursement Date  XX/XX/XXXX   Original Principal {$10000.00} I need some help, these terms are awful.
Product: Money transfer, virtual currency, or money service

I believe it was a mistake to close my paypal account. I am using my paypal account for my online business mostly XXXX XXXX XXXX  since last year 2021. My paypal account XXXX was permenently limited and I need my account so that I can receive payments from my business. And I am hoping that I will get back my account. Thank you and Godbless. 

For identity verification, I attached my valid. Please see attachment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

E xperian wants proof as to why they should no report a something that is medical and below {$500.00}. They told me they verified the {$450.00} with the company and that it is valid which is not the issue. I told them in the dispute that in accordance to new law they can no longer report it. I can not send them prof of he fact that I don't owe them because they won't upload jpg files so the newly law is all I got. And they won't remove it.