23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have some temporary financial issue, so my mortgage is behind 8 months. 
I tried to talk with my mortgage company, and ask them to give me an option to solve. 
My porperty has enough equity and so they ( mortgage company ) can give the many options but is not easy to talk with on the phone. 
They promise me to find someone and call me back but to failed. 
I tried to another organization in XXXX XXXX through HUD. 
Nobody answer on the phone, leave the message, never call me back. 
the lists are as follows, 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 Only 1 organization received the phone when I callXXXXThe name is XXXX XXXX XXXX 
She gave me 2 counselor phone number to make an appointment.

I call them and leave message but never call me back.

For the last 2 weeks, I couldn't have got the chance to consult with my emergency situation with anybody. 
My mortgage company also seems not try to help me. 
I asked them to separate property tax from mortgage to down the price of payment. 
I want to control the property tax by myself but no answer. 

I am so sad almost dying for a fear of losing property. 
I really want to protect and keep my property until I die. 
Please help me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked both of these companies for validation of debt. Original creditor XXXX aka XXXX  XXXX XXXX XXXX and debt collector XXXX XXXX XXXX has only provided me with a letter stating that the debt is valid. Under the FCRA that is not proper documentation to be submitted to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts with Bank of America that can not be found with Bank of America but is reporting on my report. I have opened various disputes but the account remains. I do not know what to do. 

One account is closed with a balance of XXXX and XXXX. 

Please help me remove these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : The response that I received to the previous complaint does not show how and what means you used to validate that all data being reported on my consumer report is accurate, and complete. How was the investigation done, who signed off on authorization that information is accurate, and complete. Please validate all information and produce all files used. In your response letter you never addressed the inaccurate, incomplete information that is being reported on my consumer file. Please address that immediately. You are willfully, and knowingly violating my rights. 
I expect there to be an answer to why there is 3 different Date Of Last Activity being furnished to my report from your company. You are not reporting within the rights of the FCRA. This is also not MAXIMUM ACCURACY. In the previous complaint I provided copies, and pics of consumer reports with evidence of inaccurate, incomplete data, and information. 

I have included a copy of your response letter, which is alot of mumbo jumbo .The truth of the matter is there are inaccuracies, and incomplete information on my file that your company furnished. Your company needs to remedy and rectify this immediately. Your company is willfully violating the FCRA.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and I noticed fraudulent accounts on my credit report. Please remove these accounts from my report they are hurting my ability to obtain credit. A collection account for {$800.00} from XXXX XXXX XXXX  with XXXX XXXX XXXX. This is a fraudulent account.
Product: Credit card or prepaid card

Started in XXXX, tried to make a payment they had it preset to pay the full amount. So i had to cancel with bank. It made me late in which i called monday to make an immediate payment. I paid it then the following month it showed a late charge, i chatted with someon who said they would fix it, however the following month i had another charge. I then spoke with discover executives who had me speak to a young man in which i had the email showing my bill from discover was only XXXX He would never respond and noone called me back. I then made a complaint with XXXX 2 times, i have since paid another XXXX only to be told i have another late fee. I tried calling XXXX XXXX but she NEVER returns my calls. But they keep sending me late fees.
Product: Debt collection

Portfolio Recovery Associates purchased my information from XXXX XXXX XXXX XXXX, and is trying to recover what they say I now owe them in the amount of {$880.00}. I have no contract with Portfolio Recovery Associates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXXXXXX XXXX.I received a letter from the United States Bankruptcy Court stating that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/XXXX. In again resent the information to the credit Bureau onXX/XX/XXXX asking to verify this incorrect information. With out even looking into my concern, the resent me the same letter stating that it was verified stating that it was verified by a 3rd party consumer agency called XXXX XXXX. I then contacted XXXX XXXX on XX/XX/XXXXvoicing my concern ans and filed a dispute.. On XX/XX/XXXX I received verification from XXXX XXXX that the can not verify my Bankruptcy and it has been removed. I would like to have the judgement removed immediately due to the fact that it is not verified and not accurate information. Thank your for your support.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Creditor- XXXX XXXX Amount of Dispute- XXXX XXXX Medical- Hospital bill after my XXXX XXXX XXXX XXXX I have insurance and told them all the information and to go after them ... .they didn't do that and sent me to collections- XXXX XXXX ... I told XXXX XXXX the same thing ... .go after the insurance company- XXXX XXXX XXXX XXXXI don't think this is fair that it is on my credit report ... .I am trying to get a house and this is really hurting my score... Please help... Apartment rent is killing me and the little house I want will be 900 cheaper in bills per month ... I am XXXX XXXX XXXX  and have a XXXX XXXX  ... .Thanks
Product: Mortgage

I applied for a loan through XXXX XXXX Bank and was given a pre-approval. Quicken Loans underwrites their loans. Once in underwriting, I was asked XXXX times why I was moving from my home with my husband. XXXX, requesting my answer in writing and XXXX by phone, on a recorded line, directly from the underwriter. My answer was consistently the same, that this property would be my primary residence. 
I was told that I could n't use money from my business account because the business was filed on my taxes as a partnership between my husband and I. I proved that I was the sole principal on the business. 
Then I was told that the mortgage would not be approved until I gave them a date of when my old rental property was charged off by the Lender. I got this paperwork too. 
By this time, we were two weeks post my original closing date. The earnest money deposit, inspection, and appraisal had been completed for three weeks, the underwriter then told me without a divorce decree or a legal separation agreement, they would not be able to complete the loan due to this being a " primary residence '' property. This was the first I had heard of these documents being needed. All parties were aware that I was married and no one told me this until I had spent {$1200.00} on the above fees and now no one will address how I can get my money back or what I 'm supposed to do about starting all over and finding a home with {$1200.00} less in my budget. To make matters worse, Quicken Loans sent my lender a denial letter stating that the reason was, there were credit issues, slow pays and delinquencies. This is a lie and had never been addressed during the entire process. This home had equity in it and I want something to be done about my huge loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX, XXXX XXXXXXXX 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 added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and and say it's mine. According to the FCRA, XXXXXXXX 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 has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Mortgage

In XXXX I paid {$8200.00} in interest payments to XXXX XXXX on my 30 Year fixed rate mortgage. In XXXX I paid {$7200.00} in interest to XXXX. In XXXX, I paid a total of {$7500.00} in interest, an increase over XXXX XXXX amount of {$310.00}. XXXX took over servicing my mortgage in XXXX of XXXX. XXXX has provided accounting for their interest collected through the first 3 months, which reflected decreasing interest payments I sent written notice to XXXX of this interest paid increase in XXXX on XX/XX/XXXX. To date they have not responded to address why my overall interest payments increased in XXXX, when based on prior year payments, should have decreased by over {$1000.00}.
Product: Credit card or prepaid card

I HAVE BEEN XXXX WEEK OR TWO CELEBRATING WITH MY PARENTS AND SISTERS ON XXXX FOR YEARS. I HAD A XXXX AIRLINES MILEAGE ACCOUNT FOR A FEW YEARS. THEN ON ONE FLIGHT I WAS OFFERED MANY MILES TO OPEN A XXXX XXXX ELITE CARD, SO I DID BEFORE LANDING. 

UNFORTUNATELY, THE TWO XXXX AIRLINES MILEAGE ACCOUNTS ARE IN 2 VERSIONS OF MY NAME AND NEITHER XXXX AIRLINES NOR BARCLAYS BANK WILL FIX IT. PLUS THEY SAY MY ACCOUNT IS " INCOMPLETE '' WITH 2 MILEAGE ACCOUNTS AND THUS I AM UNABLE TO USE ANY OF THE ACCUMULATED MILES! I HAVE TRIED FOR 3 YEARS TO GET THESE XXXX XXXX MILEAGE ACCOUNTS, ONE WITH BARCLAYS BANK, MERGED WITH ZERO SUCCESS, THO I HAVE DONE EVERYTHING THEY TOLD ME TO DO FROM FAX AN OFFICE NOT RECEIVING FAXES, TO EMAIL AN OFFICE NOT ANSWERING EMAILS TO CALLING VARIOUS PEOPLE WHO CAN NOT FIX THIS SIMPLE PROBLEM. 

THIS LAST XXXX WEEK ON XXXX AT XXXX XXXX ( THEY HAVE A GREAT WEBCAM IF YOU NEED A CHEER ) XXXX XXXX XXXX, I TRIED FOR A COUPLE HOURS FOR 2 DAYS AND GOT THE RUN AROUND, EVEN INVOLVING THE RESORT DESK CLERK FOR AN HOUR ON SENDING FAXES THAT WOULD NOT BE RECEIVED! 
MY BARCLAYS CREDIT CARD IS FOR " XXXX XXXX XXXX '', XXXX XXXX XXXX XXXX. 
AND TO TOP IT OFF, BARCLAYS ANSWERS THE NUMBER ON THE BACK OF THE XXXX AIRLINES MILEAGE CREDIT CARD AS " XXXX AIRLINES ''! OUTRIGHT XXXX. 

EACH XXXX I AM OFFERED AN UPGRADE TO FIRST CLASS SEATING FOR XXXX MILES, OR OVER {$400.00}. I CAN NOT USE MY MILES AND THIS LAST XXXX THE COACH TICKET WAS OVER {$1100.00}. I FEEL XXXX AND XXXX IN CAHOOTS OWE ME FIRST CLASS SEATING FOR MY NEXT ONCE A YEAR TRIP, AT XXXX MILES, WITHOUT HASSLE. 
THEIR MAINTAINING OF 2 ACCOUNTS IS TOTALLY THEIR FAULT AND RESPONSIBILITY AND XXXX!
Product: Credit card

Ref : XXXX Dear American Express XXXX I, XXXX XXXX XXXX the consumer and natural person, was denied credit by American Express when I applied for a Blue Cash Preferred from American Express credit card. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

American Express is subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by American Express due to the response I received.

American Express is in violation of 15 U.S. Code 1642, U.S.C 1681m AND 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted my identity theft information and they disregarded my claim.
Product: Student loan

XX/XX/XXXX : Applied for REPAYE. Informed Fed Loans that the recalculated amount for the year ( {$600.00} ) was not the lowest possible. Submitted IDR ( Income Driven Repayment ) request on XX/XX/XXXX. 
XX/XX/2019- Got forbearance for the month, as my REPAYE application was under processing. 
XX/XX/2019 : Received email stating the payment for XX/XX/2019 would be {$2900.00} XX/XX/2019 : Received another email confirming new REPAYE amount- a new monthly payment of {$420.00} which is first due on XX/XX/XXXX. 
Called on XX/XX/2019 : Called to clarify that the amount due mentioned in one email ( on XX/XX/XXXX, {$2900.00} ) was incorrect and wanted to make sure my new payment amount ( {$420.00} ) was reflected. The FedLoans customer service agent stated that I could pay {$5.00} for the month of XXXX  because  they did not use the direct deposit on file to withdraw the due amount. They then confirmed for XXXX the updated REPAYE amount ( {$420.00} ) would be processed, not the higher amount stated online in the account due to forbearance on the account. She assured me that it would be updated to reflect the correct amount by the time the bill was due on XX/XX/XXXX, and wouldnt withdraw {$2900.00}. 
XX/XX/2019 : Fedloans withdrew {$2900.00} from my account using direct debit. This was done even after I spoke to Fedloans customer service on XX/XX/XXXX, where they stated that this would not happen and the {$5.00} would trigger the forbearance for XXXX.

XX/XX/2019 : The payment of {$390.00} ( this is the original a
mount before recalculation for the year. I am not clear why this figure was brought up again ) was confirmed but FedLoans didnt suspend the larger amount since I am on auto debit draft ( they made the mistake of keeping the auto drafting function on and didnt submit the forbearance ). I asked to speak with the manager and she said she could escalate and expediate the refund of {$2900.00} but it could take up to 10 days. The mistake was on their end and they should have suspended the XXXX withdrawal and placed a forbearance on the account for XXXX. 
XX/XX/2019 : Called Fedloans because the online portal stated I was past due and the amount owed was now {$3300.00}. The Fedloans customer service agent stated that this because a refund will be issued and it also includes the {$420.00} due in XXXX. The refund request was not processed until XX/XX/XXXX and I may receive the refund sometime this week. However, I received an email about a forbearance approval for XXXX ( email received later in XXXX ) but it was not reflected in the account when I called on XX/XX/XXXX and still showed that I was delinquent on the payment. I was told that I should turn off direct debit withdrawal because they could possibly make the same mistake and withdraw {$3300.00} in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Florida law a company has to be licensed in the state of Florida to collect a debt from a Florida resident. Title XXX111 Chapter 559. 553 ( See attached documents of Florida Statues ). This applies to all consumer debt collection agencies. ( It is a felony for a consumer collection agency to try to collect a debt from a Florida resident if that agency is not licensed in Florida to collect debts. Title XXX111 Chapter 559. 565 ( see attached documents ). Transunion and XXXX  are complacent in this felony by allowing XXXX XXXX XXXX to report their trade line on my credit report. XXXX XXXX is not licensed in Florida as a consumer collection agency. XXXX XXXX is engaging in a felony by trying to collect this debt from me and Transunion and XXXX  are allowing LVNV Funding to commit this fraud there by making both Transunion and XXXX  guilty of conspiracy to commit fraud. I have filed a complaint with the Florida Attorney Generals office against XXXX XXXX XXXX. I have informed them in my complaint that Transunion and XXXX  are both aware that XXXX XXXX is committing a felony and are allowing this felony to continue. XXXX XXXX XXXX does not have a legal right to collect this debt or attempt to collect this debt according to Florida law. I want Transunion and XXXX  to supply me with proof that XXXX XXXX XXXX has a legal right to collect this debt under Florida law ( I live in Florida ). Transunion and XXXX  both know that this company XXXX XXXX XXXX is currently under investigation with the SC Attorney Generals office as well as the Florida Attorney Generals office for committing fraud and violating Florida law on debt collection. Yet despite knowing all this Transunion and XXXX  are still allowing this illegal and fraudulent debt to be reported on my credit reports. Under the FCRA a credit reporting agency has to verify the accuracy of information that a company reports and has to verify the debt exist. The fact that XXXX XXXX is commiting a felony under Florida law by attempting to collect this debt make the debt an illegal debt and therefore can not be verified to be accurate. Once again Transunion and XXXX  are knowingly allowing companies to commit fraud and violate state laws.. Let this complaint serve as official notice to Transunion and XXXX  that they are violating the FCRA by not validating the authenticity and legality of this debt. I do plan to use this complaint as evidence in court when I file a lawsuit against XXXX  and Transunion.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on iheir platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This company is putting a delinquent account on my XXXX credit report, when it fact this delinquent account does not even exist. Their client, XXXX XXXX, used them to collect a debt that insurance paid, and they are inaccurately reporting bad data in my credit reports. I WANT THEM DELETED ASAP I believe that they might be under violation of the FDCPA for misrepresenting the fact I owe them money. I need them rectify ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to report received from Experian ( # XXXX ) received XXXX XXXX. The following items were disputed and this report summarized the results of the dispute. 
First item disputed was a Bankruptcy ( XXXX ) in the county of XXXX XXXX, California. I disputed that the Bankruptcy was not my and probably belonged to Mr. XXXX XXXX. The results state that XXXX XXXX was the company used to verify the results of the investigation. I contacted XXXX XXXX to dispute the providing of inaccurate information when I was informed that on there is a security freeze on my account and no information is available to Experian or any other entity to view or access. The document is included in this complaint. Also on XX/XX/XXXX a Chapter XXXX filing was made by one XXXX XXXX which is not me since My name is XXXX XXXX XXXX. 

Second item disputed was XXXX XXXX XXXX ( XXXX ) once again Experian indicated they contacted the creditor and the information was being reported as accurate.I disputed that the account was never late or included in a Bankruptcy and that the account was sold to XXXX   XXXX where the account was paid in full. I enclosed a letter where XXXX XXXX Indicated that the account was not being reported accurately and that it would be corrected. 

Third item disputed was for the creditor for XXXX ( 9 ) which Experian states on their report that the item was verified with the creditor.I disputed that this was not my account and that the account I had with XXXX was closed in good standing. I contacted the creditor and was given a letter stating the account was being reported incorrectly and that there was only one account that was closed on XX/XX/XXXX. And the account showing was a mistake be their accounting department. 

The fourth item that was disputed was for the creditor XXXX ( XXXX ) I disputed this account never being late and that it wasn't my account. I had an account with XXXX which was closed in good standing. The account had ( 4 ) 30 day lates on the report which they corrected to ( 2 ) 30 day lates which they corrected showing 30 days late for the month of XX/XX/XXXX and XX/XX/XXXX. I previously had an account with XXXX which was closed in good standing and never had an account during this time period being reported under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.