23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was transferred from XXXX to Mr. Cooper in XX/XX/XXXX. Prior to the transfer, my taxes and insurance were paid by XXXX through an escrow account. I received multiple delinquent tax notices from the XXXX of XXXX and attempted to resolve the issue by calling XXXX on at least four occasions. I filed a Complaint against XXXX with the CFPB on XX/XX/XXXX. XXXX responded on XX/XX/XXXX explaining their error but assuring me that the taxes and all late penalties were paid. The Complaint and XXXX 's response are attached as a PDF. I confirmed this with the XXXX of XXXX. 

Once I was granted access on or around XX/XX/XXXX, I created a Mr. Cooper account and logged on to pay my mortgage. I then discovered that my monthly payment was raised from {$1900.00} to {$2400.00} without explanation. When my mortgage was transferred to Mr. Cooper, I received a package in the mail explaining my rights and guarantees. XXXX of those guarantees was that Mr. Cooper would not raise my payments. Since purchasing my house in XXXX, my payment has always been {$1900.00}. Now, Mr. Cooper is charging me an extra {$490.00} without explanation. 

The {$2400.00} that Mr. Cooper attempts to charge me consists of {$900.00} in escrow. There is no explanation on the website for why my escrow payment would go up. I checked my account on XXXX and Mr. Cooper 's websites to try and ascertain how much either XXXX or Mr. Cooper paid in late penalties for filing my XXXX of XXXX taxes nearly 3 months late. I believe that Mr. Cooper is attempting to charge me for the escrow shortage that resulted when they ( or XXXX ) had to pay late penalties on my taxes. Those late penalties are the responsibility of the lending company ( or their predecessor ) who were obligated to have my taxes paid on time. 

Mr. Cooper does not allow for partial payments, so I am withholding my entire XXXX payment until this is situation is resolved. 

In addition to getting this increased payment issue solved, I would like for Mr. Cooper to remove my escrow account and allow me to pay my own taxes and insurance. 

Thank you for your assistance on this matter. I truly appreciate everything the CFPB does to protect consumers from these poorly run companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

my primary name is wrong and a alias name that I never used and is not me and 2 previous addresses that I never lived at are wrong
Product: Mortgage

I purchased my home XX/XX/XXXX. My payments are XXXX each month. The first week of XX/XX/XXXX I was informed by letter that my mortgage payments will increase from XXXX to XXXX beginning XX/XX/XXXX. I called to find information as to why the increase. No one could answer the question. All I could get was my escrow account did not have enough money to pay. They could not tell me why. I was sent to lost mitigation department to start the process. I was sent a packet to fill out. 
In the meantime I had to find out why. I learned that my taxes for XXXX was paid for the entire year and my insurance was also paid for the entire year. I contacted XXXX County in XXXX south carolina. I was informed that I was due a refund of XXXX because of the 2 % reduction of taxes. I called calcon and they didn't have any of the information, and was not willing to work with me. I again contacted XXXX XXXX to track down the issue. The check was sent to calcon on XX/XX/XXXX. I contacted calcon with the information and one office didn't have and I was referred to another office and they had just received the check on XX/XX/XXXX. I was told to give them a couple days and it should be processed. On XX/XX/XXXX I called to inquire and I was told that they had not processed the check and to give them a couple more days. I also inquired about the tax and insurance being paid out for the entire year of XXXX. She said that a analysis would have to be done. I requested that it be done because the error was on their part and they needed to correct it. It has been a week and still nothing has been done. Another payment is due XX/XX/XXXX. I had to borrow the money for my payment of XXXX, but I don't have the funds for the XXXX payment. After I did the math ... I don't owe anything extra. They have drug their feet for almost 2 months. How can I get them to correct this issue that they created.
Product: Debt collection

This company has a collection that is not mine that is reporting on my credit report. However it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX This is a violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I send a letter to the 3 credit bureaus to fix my personal information and it was not fixed. As of today, it still says my name is XXXX XXXX XXXX. My real name is XXXX XXXX and also have an address that currently has nothing to do with me on there. I send them my Social Security Card and other government documents as evidence. 

Sending you the attached file. This letter was sent to all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the creditors letter for which they have approved to remove the negative mark from my credit report on the XXXX XXXX account number ending in XXXX from XXXX of XXXX i have already submitted the letter to the bureaus as received. but they have not yet removed per creditors approval please make sure this update occurs thank you
Product: Credit card

I've consistently made timely payments on this account, avoiding any overdue payments. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to  request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Checking or savings account

On XX/XX/XXXX, our Post banking with, BB & T XXXX XXXX XXXX XXXX XXXX XXXX phone # XXXX account was compromised by cyber theft and 4 wire transfers were made totaling almost {$75000.00}. This was immediately reported to the bank, but they were not able to stop the wire transfers. We were left with about {$1200.00}. The officers and staff who have access to the account went to the bank on the morning of the XXXX with all available assets we could find and worked with XXXX XXXX to start a new account so that bills could be covered, payroll being the largest. The bank has been working diligently to retrieve our assets and on XX/XX/XXXX we did receive a partial refund from one of the transfers for just under {$19000.00}. When I asked the fraud representative, XXXX, another refund of {$19000.00} was received later leaving us with a loss of {$40000.00}. As of now the Bank tell us there is nothing further, they can do. As a XXXX organization we gather funds to support XXXX and our community and can not afford this loss. We have never used wire transfers. I am filing this for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX.
Product: Student loan

I was misguided to enter into forbearance and only finally entered into the Income Based Repayment Program in XXXX. 

In XXXX the Income based repayment plan was made available and I should have never enter into this instead, which would have significantly reduced my current burden. I have been flagging this issue of being misguided into this step and seeking to retroactively shifting my forbearance status for a long time both in written form and via phone calls, but this has not been possible. However with the changes announced XX/XX/XXXX by the Biden Administration regarding a review of forbearance status in situations where students were misguided, I want to ensure that my records are reviewed as this was exactly my situation. I am about 2 years away from being able to submit my application for PSLF and this review on the months related to forbearance would be pivotal in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

the information reporting on my consumer report i requested that this account get deleted from my report because it is innacurate and not correct information for me : XXXX XXXX XXXX - ACCOUNT NUMBER- XXXX the account is is listed above and the credit consumer company is violating several laws and has refused to remove the information numerous times 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: Credit reporting or other personal consumer reports

I had contacted Experian back in XXXX of XXXX  and reported incorrect information on my report at that time they stated that it would be filed and removed within 24 hours till this day it is still showing on my report and now new information that does not belong to me is on there
Product: Debt collection

Hello, I recently applied for a XXXX loan to buy a house for my family. When the lender ran my credit report, I had an account from Wakefield & Associates pop up for {$3100.00} that I am completely unaware of. I decided to call them and inquire about this debt, XXXX answered my phone call, I asked for any proof that this debt was mine, any signatured documents from me, they stated, " That's not how this works. '' I explained that I will file a complaint with the XXXX and XXXX for reporting erroneous information to my credit report and limiting my credit possibilities. XXXX then stated, " That's not how this works '' again, then proceeded to tell me to " call a hospital and ask for itemized list. '' I don't have any recollection of this debt by any means. I have disputed this multiple times. 

Please help remove this from my credit so I can purchase a home for my family. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit repo
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block. Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App to take timely and effective measures to prevent and address fraud on their platform, leaving my accounts and information vulnerable and unprotected and exposed to scammers. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements used 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: Credit reporting or other personal consumer reports

SANTANDER CONSUMER USA, XXXX XXXX XXXX and XXXX XXXX XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

SANTANDER CONSUMER USA XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> 2023
Product: Student loan

My previous employer and I have submitted multiple PSLF forms to count towards forgiveness from XXXX. My previous employer submitted the forms on my behalf and there are XXXX outstanding payments that have not been counted towards the XXXX forgiveness.
Product: Credit reporting or other personal consumer reports

I contacted the company mutilple times to update my inaccurate personal information they failed to do so.
Product: Checking or savings account

I did everything needed to prove that this was a result of fraud and not on my behalf and I was not alerted or notified of what transactions occurred. My phone was stolen as well as my email being hacked allowing authorization. I confronted the bank with these the minute it occured.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account that appeared on my credit as a collection for a company I had previously done business with, it was a cable provider. I canceled my account and returned the equipment to the carrier and I found that they had sent me to collections even though I didn't have a balance and had returned all the cable equipment. When I saw the {$500.00} collection I initially disputed it with all three bureaus because I knew I didn't owe them. The account was deleted by XXXX and XXXX because the company could not provide proof of the balance they were trying to collect or where it came from, now it is being reported to XXXX and XXXX is refusing to do anything about this. I know that this information is incorrect and it is harming my credit rating. it was already deleted by the other bureaus because the collection company can not provide proof of where this balance came from and XXXX needs to do the same.
Product: Debt collection

Account Number : XXXX Contract ID : XXXX On XX/XX/year>, we submitted a final counteroffer of {$5000.00} to settle our account with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$25000.00}. We have been in an ongoing dispute with XXXX XXXX XXXX XXXX XXXX for over two years due to fraudulent activities related to how we acquired the timeshare. Given the circumstances, this amount is fair and sufficient.

Despite our efforts to resolve this matter, Monterey Financial Services has failed to provide accurate and clear information regarding the status of our settlement offer. This has caused considerable distress and inconvenience to us.

We seek the Consumer Financial Protection Bureau 's assistance in confirming the {$5000.00} settlement amount to cancel the timeshare with XXXX XXXX XXXX XXXX XXXX and ensure that Monterey Financial Services provides accurate and transparent information regarding our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to your company before with my thoughts. Your company isn't any kind of legitimatecredit keeping agency. You do not represent anything that even closely represents a fair and an accurate picture of one 's financial health. What you are is a Credit Card Sales Company. Credit Karma is a CONSPIRACY, not a company, to XXXX people into buying one of their suggested credit cards, too numerous in this dispatch to mention. The algorithms used to calculatea client 's supposed rating are basedon nothing but how often he/she takes advantage of one of their offers and how deeply one gets themself in debt with said card so that the credit card companies get the wind-fall profits on the criminal interest they charge whichCredit Karma get a hefty slice. There is no effort on Credit Karma'spart to paint an accurate picture of a card holders true financial health, only how many cards they buy and how deeply they get into debt with them. 
In addition you carry information that is thirty years out of date and since there is no provision to update on your site the problem goes unchecked.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccurate and misleading information present on my credit report. I have noticed several discrepancies that need immediate correction. Despite reaching out to the relevant companies directly, my efforts to resolve this issue have been ignored, and no actions have been taken to address or rectify these errors. The inaccuracies in question appear to be a result of my personal information being misused or mishandled. I believe that these mistakes, whether due to fraud or other factors, are having a significant negative impact on my credit score and financial standing. I am deeply concerned about the potential long-term consequences if these issues are not addressed swiftly.
Product: Credit card or prepaid card

CapitalOne is profiting off of the delays they put on consumers accounts. I am not the only person this happens to. If it happens to XXXX people and the average payment is {$1000.00}, thats {>= $1,000,000} CapitalOne is using to invest into the market. Additionally, CapitalOne uses an AI algorithm which restricts their employees ability to manage accounts based off of their risk calculations. 

When I signed up for my card initially, I was told that because I had a CapitalOne bank, my payments would reflect immediately. After 3 months this feature ended. This happened twice before, but most recently on XX/XX/XXXX I submitted a {$1000.00} payment to my card. I was told my payment and balance would reflect the next day on XX/XX/XXXX. I called XX/XX/XXXX because the payment didnt reflect and the person I spoke with said my payment and balance would update at midnight. Midnight meaning XXXX XXXX. When the clock strikes XXXX its not XX/XX/XXXX anymore, its XX/XX/XXXX. This is deceiving consumers. They placed an OTD hold on my account due to their AI algorithm which flagged my large payment as suspicious. This is XXXX. Internal bank transfers are instantaneous for every other financial institution.
Product: Credit reporting

I have a judgement on my Exsperia credit report that is not mine! 
Here is the Information, Reference Number XXXX XXXX XXXX County XXXX, I ca n't get the other numbers! 
Date XX/XX/2015 Thanks
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX I received a text claiming they were Wells Fargo XXXX they were trying to XXXX funds claimed they had to block numbers and transfer funds in order to stop scam when I went into my account my funds were gone I then called Wells Fargo they said to wait I called back on Friday XX/XX/XXXX they finally filed two claims one for {$1000.00} and one for {$700.00} told me I had to wait up to ten days for conclusion. I have been calling on XX/XX/XXXX I called back they closed my claim on XXXX I never received a call back and they are telling me sorry there is nothing we can do you have been scammed!!! I cried!!! It might not be much money but Im on XXXX and its all I had. I am extremely devastated Ive been banking with Wells Fargo and on the online app they guarantee XXXX transactions unless authorized well it was authorized to me!! But was never deposited into my account.. PLEASE HELP!!
Product: Debt collection

i was contacted by the iq data international folks I was told by a rep that the property was purchased by a different company and that because it was owned by a new XXXX that they needed to cover the debt I agreed that I could make payments as I was doing previously then the next week I was contacted by a XXXX XXXX stating that I was needing to make a full resolution of the amount or they would make some thing bad happen when I inquired about the " next action '' I was told nothing I agreed to attempt to make a payment they withdrew an incorrect amount from my account throwing my whole account into turmoil when I had called before the check went through stating I could make part then and part in 2 weeks then he said ok then I was contacted XXXX by XXXX again stating that he was mad the check did n't go through and if I did n't rectify the situation then he would go forth with further collections activities when I asked for proof of the debt he said he did n't need to provide that
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts on my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items blocked and removed from my credit file.

The specific accounts that need to be blocked and deleted are as follows : Accounts : 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 XXXXXXXX - XX/XX/XXXX - {$90.00}
Product: Credit reporting or other personal consumer reports

I have submitted countless letters to Experian on numerous occasions and the response i received on all occasions is the following : From Experian We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, '' ifthe completeness or accuracy of any item of information contained in a consumer file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge ' '' Therefore, you can dispute any inaccurate information directly with Experian for free If you belleve that information in your personal credit report is inaccurate or incomplete, please cll us at the phone number XXXX XXXX, or visit our secure web, site to upload your documents at www.experian.com/dispute.
Product: Credit card

Aspire credit card continues to unfairly charge me late fees. I have recently submitted a complaint against said company and got some feedback. However, before I could update my accounts to compensate aspire reinstating the account back active again. They just charged me excessive amounts of fees though the years. My balance should be {$340.00}. They reinstated my balance to over the credit limit immediately!! Unfair business practices at its best!!!! Please have aspire credit card to remove excessive charges from my account so It can rightly be in good standing! Lastly, they just charged me {$41.00} late fee and the account isnt even a week back active!