23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I spoke with a representative of Mr. Cooper ( mortgage company ) to inform again that there was a balance still due for my XXXX property taxes. On XXXX XXXX, Mr. Cooper removed {$920.00} from my escrow account and stated it was to pay my property taxes. I noticed this was deficient and made a payment to cover the remaining {$4600.00} on XX/XX/XXXX. My payment was accepted and it is in the payment history of my county taxes for my parcel. The receipt number in the payment history matches the email verification I received from XXXX XXXX Tax Assessor. I've contacted Mr. Cooper via chat several times to request confirmation of the payments from my escrow, to XXXX XXXX Tax Assessor. They've only said " it takes time '' and we'll look into it. They've not taken any action to confirm their payments were received and I'm now facing penalties. Mr. Cooper online account shows they made a second payment on XX/XX/XXXX, in the amount of {$4600.00}. This amount was taken from my escrow account, which now shows a negative balance. Mr. Cooper has not paid my property taxes and has made errors with these payments. They refuse to attempt to locate the missing payments, reimburse my escrow account, or contact XXXX XXXX to locate the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from I believe XXXX  requesting for an ID in order to go forward with the disputed request. I am very disappointed with the lack of seriousness and respect these credit bureaus treat consumers. Instead of protecting our information and identity it appears to me they are too busy profiting from our information. My name was exposed in the XXXX  data breach and my life has never been the same since.
Product: Mortgage

Last summer I was notified that my mortgage loan was transferred to Mr Cooper. I set up an online account with the new servicer. When I went to make my mortgage payment I was notified that my loan had once again, been transferred, except this time it was to XXXX. I set up an account with XXXX and made my payment. They had trouble processing it, so I had to do it yet again. The next month, same thing happened, they had trouble processing my payment ( something about not all of my information made it over in the transfer process ) and charged me fees. My payments are deducted from my bank account and I never had trouble until these constant transfers. Finally, kicking and screaming I got that payment through and they promised to waive the fees, but still have not. I made my payment for XXXX ( XXXX payment since the transfers ) on XX/XX/XXXX and then noticed on the XXXX that it still had not been deducted from my checking. I logged into my mortgage account only to find out my loan is transferred again, and it is back to Mr Cooper. 

For three days I desperately tried to get hold of someone at Mr Cooper. Their systems were down ( not encouraging, in a world of data in-security ). Now I can not, for the life of me, talk to a person. Their automated phone system is ridiculous and impossible to work through. Even their web chat is not allowing live people. When dialing the phone number they provided in their email to me, the bot answer is immediately " you have dialed the wrong number, call this one instead. '' when calling that number, I get stuck in an infinite loop of XXXX  bots and circular inquiries. 

My XXXX payment still has not gone through, my XXXX fees still have not been cleared, I have no idea who has my loan at this point, I can't talk to anyone, the emails they sent are so ridiculous they can be easily mistaken for phishing scams. How am I supposed to trust and work with this mortgage company?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX U S DEPT OF ED/XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} U S DEPT OF EDXXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Original creditor XXXX XXXX Balance : {$200.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

My dispute is against XXXX XXXX XXXX XXXX My wife and I attempted to refinance our home last year and discovered a lien in my name filed in the land records of XXXX XXXX , Georgia . Pursuant to lenders instructions, we had to satisfy the {$1400.00} lien at or before closing. My wife and the lender attempted to contact the creditor to no avail. I contacted an attorney in XXXX to assist with acquiring the necessary information from the creditor to satisfy the lien. The attorney contacted several attorneys before finding the firm handling Midlands accounts. It was discovered that the creditors attorney failed to comply with Georgia law and re-file the lien within the seven year period from the original filing date. Therefore, under Georgia law, the lien was expired. However, the title company informed our attorney that the lien must be cancelled of record in order to obtain title insurance for the refinance transaction. Herein lies the problem, representatives from the creditors attorney stated there was no money due for the account in my name. When our attorney asked for a cancellation of the lien, the creditors attorney would not cancel the lien in the county land records. My wife and I asked our attorney to obtain the amount to pay off the debt. Again, our attorney contacted and spoke with several persons with the firm handling Midlands account and could not even obtain an amount to pay the debt off. We have been trying to refinance our home since XX/XX/2017. We can not refinance our home due to Midlands failure to release the lien or provide an amount to pay off the debt. Also, we have suffered significant damage because the interest rate locked by our lender has expired. We were not waiting for approval to refinance, but ready to close the transaction. Our attorney has suggested a suit against the creditor for slander of title. However, it our position that extra money on our part should not be spent. We are willing to pay monies to the creditor, if we can speak to someone with authority to handle the situation. We would like any assistance in being able to contact XXXX XXXX to release the lien or negotiated a payoff for satisfaction of the debt. Thank you.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

My card information on my Coinbase card ( visa debt card backed by US dollars ) was clearly stolen. Starting on XX/XX/XXXX numerous transactions began on my account until the money ran out. I noticed Coinbase at least 3 separate times the first day and continue to this day. The phone system is a dead end that leads to no one in Coinbase card and I just get generic generated responses from Coinbase. Some of my case # s are XXXX XXXX XXXX XXXX opened thu messaging and calling. Transactions went from pending to finalized because I couldn't get anyone that knew what they were doing or what I should do on the phone. My email is XXXX that is how Coinbase pulls up accounts. This claim has nothing to do with cryptocurrency. Transactions XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX & XXXX and XXXX XXXX XXXX are all fraudulent dated XX/XX/XXXX starting at XXXXXXXX XXXX. The card # was XXXX XXXX XXXX XXXX which I reported stolen exp XX/XX/XXXX
Product: Mortgage

Truist took over mortgage in XXXX, that's what i was told be representee, before that i would get letters from XXXX saying they are reducing payment because of these addition payment towards principal, i have continued the same with Truist, since XXXX i have received any letter stating that my payment is going down, I requested an audit of account to see where addition payments were going, they told me that they don't provide that, i called twice and asked for supervisor, NOT AVAILBLE is what they said, something fishy is going here, please help. 

XXXX veteran XXXX XXXX
Product: Credit card

Dear Sir/Madam, On XXXX XX/XX/year>, I have applied the XXXX XXXX American Express XXXX XXXX XXXX American Express XXXX In the application page, it is advised that I can receive XXXX XXXX points as the welcome bonus, after I spend XXXX USD within the first XXXX months of card membership. In my application process, there is no warning informing me that I was not eligible to receive the advertised welcome bonus. Normally, if a new card member is not eligible, there will be a pop-up message. My application quickly got approved and the new account was established on the same date. After I receive my card, I used it for daily purchases. 

On the evening of XXXX XX/XX/year>, I contacted American Express customer service through their XXXXXXXX XXXX chat function, to check if my spending has already met the requirement for welcome bonus. However, I was informed by the customer service representative, XXXX, that there is no welcome bonus with my account. Her original words are " The welcome offer has been denied for this card on your account, it was cancelled after the card application ''. I requested to talk to the supervisor. However, the supervisor said that there was a warning informing me that I am not eligible for welcome bonus, but I missed it. The statement made by the supervisor is completed contradicting to the statement made by the customer service representative. 

The customer service representative admitted that " the welcome bonus is cancelled ( by AMEX ) after card application ''. I regard this as a serious business misconduct and cheating of credit customer to apply for a credit card. The advertised and promised welcome benefits was cancelled unilaterally by American Express, after the card is approved, and the annual fee is paid. This is a unilateral violation of contract, as well as a misleading and fraudulent advertisement. The promised terms in the public advertisement is never fulfilled. 

Therefore, I demand American Express to immediately reinstate the welcome bonus in my account ( XXXX XXXX points upon XXXX USD eligible spending ), or reimburse me with appropriate cash with equivalent value. American Express should be demanded to review its internal policies. Cancelling a promised welcome term, after the credit card is accepted, and annual fee is paid without even notifying the customer should be strictly prohibited. 

All the evidence, including XXXX XXXX  messaging records with American Express customer service are kept. I am happy to provide any other information to assist your investigation. 

Thank you for your time in reviewing my compliant against American Express. Please accept my hearty gratitude for your hard work in making quality consumer financial services fairly delivered to all Americans. 

I am looking forward to hearing from you soon. 

Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Great Lakes has repeatedly Breach my Privacy by sharing my personal identifiable information with non-affiliated 3rd parties including the Credit reporting Agencies. I 've sent certified mail on 2 separate occasions dating XX/XX/XXXX and most recent XX/XX/XXXX opting out revoking my consent of this sharing since i never received anything from them. I 've sent Great Lakes these letters opting out of these sharing practices and yet I have n't received a respond from them. I 've called Great Lakes repeatedly trying to get answers. Great Lakes is simply a loan servicer for the Department of Education simply a debt collector. I 've included an attached these documents showing my communication with Great Lakes. I have yet to received a response. Great Lakes has yet to respond to sharing my personal identifiable information with non-affiliated 3rd parties including the Credit reporting Agencies. According to the GLBA Gramm Leach Bliley Act this is a clear violation and Breach of Privacy. I did not give my permission for this The Department of Education nor this DEBT COLLECTOR to publicly furnish nor provide my personal identifiable to any 3rd parties including Great Lakes nor the Credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, i attempted to fill out the online dispute form and submit docs - was denied twice and told to submit by mail only - then there are more than one po box listed, which means they are trying to confuse people on purpose.

i am trying to send them a debt validation letter, along with a copy of my current UCC1 financing statement, which should compel them by law to erase any delinquencies. I am ultimately seeking to open a  secured credit card with my new credit union and that can not happen if experian continues to evade receiving my documents. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When XXXX Started the company that I worked for had shut down for a few months and my girlfriend and I also both ended up with XXXX. After being off work for a couple months I called the mortgage company ( XXXX Mortgage at the time ) and asked if there was anything I could do because I was going to fall behind. They informed me of a government sponsored assistance program and I could skip XXXX months payments and they would be added to the back end of my loan with no effect to my credit. They then began reporting my payments late immediately and then, sold my loan to BSI XXXX XXXX XXXX found the error, reached out to me and corrected the issue. They never did however pass the forbearance info onto the new lender. BSI then offered another forbearance program, made a signed agreement with me and then, proceeded to report every mortgage payment since then late. I have made many calls, sent letters, begged for calls back .... nothing. no response at all other than to leave me messages multiple times that everything was reported accurate and on time. Clearly with XXXX investigation. When I speak to the account reps on the phone. They tell me they can see I have made every payment as agreed and on time. However, my credit reports have been reporting me as 180 days late and in foreclosure for months. I signed a new agreement with them XXXX months ago and they still haven't updated their system which continues to send me foreclosure letters and robo dialer calls. My payment amount has changed and each month I make a payment I have to explain to the representative how to find my correct amount. I have made every payment on time, I am not in foreclosure, I have not been late and the reps tell me the screen shows on time the entire time I have been with them. This is humiliating, It has destroyed my credit, I cant even get a loan for a car, I have no car. They could care less about my concern, wont correct it, wont call me back, wont look into it. They need to correct this now! I am owed an apology and compensation for what they put me through for over a year and absolutely destroying my credit, personal, life, and ability to work and get to work. They need to correct my credit file, apologize, and waive the balance of my mortgage for what they have done to me. ALL MY PAYMENTS WERE PAID AS AGREED!!! This is fraud!! Please help me clear this up so I can get back to what my life wad before BSI ruined it. 

XXXX Still wont communicate with the new lender and inform them of the previous agreement recently was told BSI is about to sell my loan again so, The next company probably wont know what going on either My information in the computer system needs to be updated ... .ITS BEEN XXXX MONTHS. 

ITS BEEN A YEAR THEYVE BOTH BEEN DESTROYING MY LIFE AND CREDIT. THIS IS FRAUD!
Product: Debt collection

I HAVE CALLED XXXX XXXX XXXX  WHOM THEY REPRESENT AND STATED THAT I DO NOT OR HAVE I HAD XXXX XXXX XXXX  SERVICES AND IT HAS BEEN REPORTED AS IDENTITY THEFT. I REQUESTED DOCUMENTATION SHOWING CONTRACTS AND/OR AGREEMENT FROM ME BARING MY SIGNATURE. I HAVE ALSO CONTACTED THE COLLECTIONS AGENCY EXPRESSED MY SAME CONCERNS AND REQUESTS. I HAVE RECEIVED NO COOPERATION. 
I HAVE DISPUTED AND MADE CONTACT WITH THEM BOTH EVERY 30 DAYS FOR THE LAST YEAR. 
Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX or ( XXXX ) XXXX
Product: Checking or savings account

In view of the ongoing novel coronavirus pandemic, I requested Sun Trust Bank 's representative, through online Banking mode, to close my Money Market Bank account ending with XXXX and transfer the proceeds to my checking Bank account # XXXX XXXX XXXX. 

I made that request on XX/XX/2020 to maintain a higher balance in my checking account so that I could access funds for meeting my expenses including potential health related expenses due to ongoing pandemic. 

The Sun Trust Bank representative asked me to confirm my mailing address. I did so.

Thereafter, I was shocked to receive a letter from Sun Trust Bank that they are closing all my accounts including Checking account.

The Bank did this as an unfair Trade Practice to discourage customers like me from taking recourse to close their Money Market market in times of emergency. 

Without a checking account I will not be able to use Banking channels to access funds or receive payments since I am an XXXX  XXXX. You are requested to advise Sun Trust Bank not to deny Banking facilities to existing customers while our country is going through a catastrophic economic and health challenge. I have always maintained average minimum monthly balance and never failed to pay any credit card bill. I have been a good customer.
Product: Debt collection

I lived at XXXX XXXX from XX/XX/XXXX moved out XX/XX/XXXX. I paid any & all charges that was owed at this apartment. Since this time now 3 years later XXXX XXXX is now under new management & has placed an old paid balance of {$580.00} on my credit report. Since Ive moved from XXXX XXXX I have lived in 2 other apartments both of these apartments verified my rental history & both times XXXX XXXX has reported to each apartment that I do not owe them any money. This apartment is using deceitful tactics to gain money from prior tenants who they would hope have lost all documentation to prove that they have paid their balances. I contacted the collection agency & they stated XXXX XXXX had just sold my information to them. This is against the law & taking a toll on my health. O am scheduled to move next month & now because these fraudulent apartments placed this fraud account on my credit report I am unable to move & my kids & I have no where to go. Please help & please stop this scam this apartment is doing.
Product: Student loan

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on RMS-RECOVERY MANAGEMEN ( Original creditor : XXXX XXXX UNIVERSITY ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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
Product: Debt collection

today i logged into my credit file to see CAPITAL ONE is reporting a debt of {$1200.00} to credit reporting bureaus, i have never done business, signed any contract or documents with CAPITAL ONE or anyone they are collecting for, I do not wish to contract or do business with CAPITAL ONE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my dispute in XXXX via fax, no confirmation from XXXX received, resubmitted my complain on XXXX the same thing. I called them the rep said that the only received my credit freeze request, I advised that two faxes were sent and I have the fax confirmation, I even emailed XXXX  customer service, to which they responsed with instructions on who to dispute. This is very frustrating, XXXX is not even allowing me to send information online.
Product: Credit reporting or other personal consumer reports

YES, I am contactacting you to file a Complaint in requards to the XXXX inquires that is on my XXXX Credit report that are inaccurate and out dated. Under theFair Credit Reporting Act ( FCRA ), Section 611, inaccurate, unverifible, or outdated information must be Removed. I have disputed these with the credit bureaus but have not received a proper resulution. I request your assistance in investigating and ensuring these inquiries are removed as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX  XXXX closed account ( last four XXXX ) is showing 10 years and 3 months old and should have been removed from credit report