23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My husband ran the car into a pole, attempting to avoid a dog in the street. The care was deemed a total loss on XXXX/XXXX/2016, my due date for payments is on XXXX/XXXX/2016. I thought the claim would be finalized by then, but it was not. I made over 15-20 phone calls to the insurance department at Regional Acceptance, and XXXX XXXX in the insurance area. I asked XXXX. Acceptance to expedite my claim, for XXXX XXXX of XXXX XXXX claims adjuster phone # XXXX. Claim # XXXX, to verify information, my claims adjuster was waiting for a letter of guarantee, of which the process took 4-6 weeks to send this letter. The process was taking so long, that I spoke to XXXX XXXX at regional Acceptance about the amount of time it was taking to complete the process, so she offered an extension, of which I was not sure why I needed an extension on XXXX/XXXX/2016, until XX/XX/2016. The process was not completed by XX/XX/2016. The timeliness of XXXX XXXX is unacceptable. I have never in my life, known for a total loss to take almost 3 months to complete. The Gap Insurance process my claims in a matter of days once everything was received XXXX XXXX XXXX XXXX, claim # XXXX. All of the information can be verified by calling any of these entities, in fact, I am enclosing additional information. I do believe I owe any more money, these is time limits on when and how much time these process should take and I should not have to be penalized for someone else lack of good customer service in processing this claim. The amount of time it took to process this claim is unacceptable. I never received a call from XXXX XXXX ever. I just got excuses for Regional Acceptance for the length of time it was taking. The amount is unfair. I do appreciate your time in considering this matter. The amount of my payment each month is XXXX, but the amount Regional acceptance reports is still owed is XXXX, for two months and no one can give me an explanation as to why it is this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The debt collector continues to call my PREVIOUS employer on his personal cell phone number. I have not worked for him in over 5 years. Its highly inappropriate. 
Dates called : XX/XX/19 through XX/XX/19 to date.
Product: Mortgage

I applied for a loan modification with the mortgage company Ocwen on XXXX and I 've noticed that they have added $ XXXXdollars on to my mortgage calling it an unpaid principal. I questioned them about it and I was told it was in the modification and I signed it so that 's that. My mortgage went from {$160000.00}. to {$250000.00}, I did not take out a second mortgage or anything like that. I ca n't believe this is legal. I have spoken with several account managers with Ocwen asking them to explain to me how their company added {$100000.00}. dollars to my account when the modification was supposed to be designed to help me. This has been a nightmare and now they have filed foreclosure.
Product: Credit reporting

During the XX/XX/XXXX, I called XXXX ( XXXX ) to inquire why my XXXX check ( # XXXX ) payment had not been withdrawn from bank account at about the same time as in the past. The XXXX customer account personnel advised me to wait a few more days perhaps the mail delivery was delayed because of the XX/XX/XXXX holiday. When I called a week latter, the check had not been received, and the customer account personnel directed me to make the payment at the XXXX XXXX branch in Maryland. I made the payment ( check # XXXX ) which was drawn from my XXXX XXXX XXXX account on XX/XX/XXXX. The amount due on XXXX XXXX ( late charges on XXXX XXXX ) was {$790.00} but I paid {$800.00}. Despite the three phone calls that I made concerning this payment, XXXX did not notify me but charged me a {$25.00} late fee, applied the extra amount that I paid ( {$800.00} - XXXX = {$21.00} ) to the {$25.00} late charge and filed a report on my credit report stating that I was more than 30 days late. The credit reporting agency stated that the lender ( mortgage ) needs to submit a corrected report. Here is a direct quote from them : *Please note : Experian has a new policy effective XXXX/XXXX/XXXX : For all dispute removal requests a letter from the creditor specfically stating that the dispute on file is to be removed and that the account is no longer in dispute is required. A signed letter from the borrower will no longer be accepted by Experian*
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card

I have a XXXX XXXX XXXX Credit Card. The contract states that I have a 12 month period to pay off a balance, and as long as I pay that balance within 12 months, I won't be charged interest. I made the following charges : XX/XX/XXXX {$XXXX} ( giving me until XX/XX/XXXX to pay it off before being charged interest ) XX/XX/XXXX {$XXXX} ( giving me until XX/XX/XXXX to pay it off before being charged interest ) XX/XX/XXXX {$XXXX} ( giving me until XX/XX/XXXX to pay it off before being charged interest ) I have been making monthly payments of {$XXXX} since XX/XX/XXXX, {$XXXX} since XX/XX/XXXX, {$XXXX} since XX/XX/XXXX, and {$XXXX} since XX/XX/XXXX. Based on the amount I paid, I should've paid off the {$XXXX} on XX/XX/XXXX, and {$XXXX} on XX/XX/XXXX. However, I was charged {$XXXX} in interest on XX/XX/XXXX, and {$XXXX} in interest on XX/XX/XXXX. 

When I called XXXX about the interest charges, they informed me that instead of using my payments to pay off the earliest charges first, the computer applied in payments in such a manner where I didn't pay off my charges in a XXXX  month period. This is very different from before, where the earliest charges were paid off first. Unfortunately, when I log into my account, XXXX only kept statements as far back as XX/XX/XXXX, and activity as far back as XX/XX/XXXX.
Product: Debt collection

XX/XX/2023, Receivable Solutions, LLC Contacted me thru text message on XX/XX/XXXX  from XXXX, I Verified they were a 3rd party. 

I was again messaged today from the same number and called I requested to stop contacting me.
Product: Student loan

every year i need ro recertifiy my REPAYE program, each year i use the FSA calculator to look at me and my wifes income, and it details how much we will be paying for the next year, taking into consideration our joint income and joint loan balance. 
my wife was XXXX, and mine was XXXX, but when i did my paperwork, navient came back and said my payment was 250+? 
i do this every year and when i bring it up to them, they offer a forebearance while i resubmit paperwork, but all that forebearance does is captilize my interest to my principal, thus increasing my loan. i end up paying a few payments during the year, but cannont afford the 250+ all year, so im forced into there wonderul option of forebearance. even while they should be researching my issue and pausing or allowing me to make a smaller payemtn.
Product: Debt collection

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a debt from SYNCB/XXXX, I cant say this more emphatically, I have never had a SYNCB/XXXX  account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report
Product: Debt collection

My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. 
Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. SOUTHERN FINANCIAL SYSTEMS , INC is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. 
This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ) ; 12 CFR 1006.34C. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. 
This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party.

I have a right to this information, as its directly associated with the reporting activities. 
This is also a NOTICE exercising my rights to prevent the processing of my personal data by SOUTHERN FINANCIAL SYSTEMS , INC . 
Please be advised that providing a memorandum or other statement from your agency, stating that SOUTHERN FINANCIAL SYSTEMS , INC, the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. 

PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PREVIOUS COMPLAINT WAS CLOSED! BECAUSE SOMEONE CLAIMED I HAD REPORTD IT BEFORE. 
NO! I HAVE NOT REPORTED XXXX XXXX BEFORE! AND I WANT MY COMPLAINT DEALTH WITH SERIOUSLY! 

XXXX XXXX has gathered all my life 's history without permission and put it out in their database to sell to companies requiring my insurance and driving history and companies that are not in the car or house insurance business such as XXXX XXXX. I do not have a relationship with XXXX XXXX. Lexis nexis should only provide pertinent insurance and driving record and some records there are more than XXXX XXXX XXXX and should not be used in decision making process of the requesting entity. XXXX XXXX put 's in credit reports and scores in their database which they shouldn't and the reports are inaccurate and out of date. Lexis nexis is in the business to make consumers look as bad as possible so they can justify their fees which result in consumers paying a much higher rate for insurance for the consumer. I have reached out to XXXX XXXX to remove all my personal information not necessary to getting a quote for auto and car insurance, and told them to freeze my report but they have refused to do so, claiming it is a " permissible purpose '. I have include the report XXXX XXXX is providing to anyone who asks. This is an invasion of privacy and is against the law. XXXX XXXX has placed a link in my Equifax credit report under 'Public Records ' so third parties can request my XXXX XXXX report. This is against the law. 
PIN CODE TO OPEN PDF IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reached out to XXXX, XXXX, and Equifax about errors on my credit. I did not receive any correspondence and i had tracking on my letters, and they were received on XX/XX/XXXX and XX/XX/XXXX. There are late payments on a loan with XXXX XXXX that is inaccurate. I was never late with them. There are late payments on a XXXX XXXX XXXX account from XX/XX/XXXX that is also not accurate. They are reporting false late payments, which hurts me financially because my credit score is lower than it should be. Both of these creditors told me that I have to fix this incorrect information with the bureaus. However, I am being completely ignored.
Product: Checking or savings account

I am currently banking with US Bank. On XX/XX/XXXX there was a fraud transfer on my account in the amount of {$10000.00}. The night of XX/XX/XXXX I called US Bank to dispute the transfer. On the same day my SIM card was hacked with XXXX which I believe is relevant as well as my online banking information had to have been hacked in order to access my account to initiate the transfer which I believe is relevant. Through a almost 2 week process I have called US bank without any updates other than we are trying to recover the funds. On one of the phone calls I was told by one of the representatives that as long as I did not approve of the transfer I would be receiving a provisional credit to my account. Now Im being told by US bank that they wont do a credit with a wire transfer. I have escalated this matter to the highest authority I know how at US Bank and I need some help recovering funds that were stolen from me. I believe US Bank should do something to make this right as I never received any sort of alert that someone was in my account transfer all of the money I had in my account to a different account by the name of XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I sent money transfer to family back in XXXX through Send Wave on XX/XX/year>. I found out few days later that the money went into wrong recipient account. I immediately contacted Send Wave and requested to cancel the transfer. It was discovered that the patient who received the funds had taking a portion of it, but the rest was still in his account. My family in XXXX contacted the mobile money company called, XXXX and they have since put a hold on the person 's account. But, in order for them to reverse the rest of the money back to me they need a request from Send wave. I have contacted Send wave multiple times for almost 2 months now, but their agents can't help me or transfer me to speak to anybody who can. Some of their agents are rude and will lie to me so they can get off the phone. They keep promising me someone will contact me within XXXX hours, but they never do. All they tell me that they have contacted their local partner in XXXX to request XXXX to reverse the funds, but XXXX has been telling us over and over that they have not received such requests. 

This has bee going on for about 2 months now, and all the calls I have made to Send wave, along with XXXX contacts in XXXX have failed to help me get my money back. They don't respond to my emails either. 

So I decided to contact you to help solve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

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
Product: Mortgage

I wanted to build with Taylor Morrison at their XXXX subdivision. It was the last lot and the sales Manager stated another buyer was waiting to sign a contract. 
Their loan officer had also said I would qualify for an amount of loan I did not think I could qualify for. With the high pressure to sell that last lot and excitement of qualifying for a big loan I made an earnest deposit for {$20000.00} ( XXXX XXXX dollars ). I did not even have the whole 5 % of the sales amount ready which would have resulted to an earnest deposit amount of about {$31.00}, XXXX. 
So, I signed a contract with Taylor Morrison about XX/XX/XXXX of 2020 with the $ XXXX deposit. About XX/XX/XXXX, after reviewing the sketch of the proposed building I sent a clarifying email to the sales agent to understand what I am getting and to emphasize the importance of a downstairs guest suite and one master suite on the main and other things of concern such as dedicated study for work at home capabilities. The sales Manager never replied. Instead I got an email asking me to survey my experience during sales. 
I then indicated that I will not fill out a survey until my questions were answered. 
After that then the agent texted me and said he was on vacation. 
So by early XXXX, the agent said no changes to the proposed building will be accepted and that none of those options can be honored. Then I made him aware that I will have to cancel the contract as the building does not meet my needs. He then said I would lose my earnest money deposit of $ XXXX. Later, I noticed that they asked an attorney to respond to my emails. The attorney stated that Taylor Morrison is not admitting any wrong doings but is willing to give 50 % of my deposit back if I would keep keep my mouth shut. Then I stated that losing $ XXXX is a big deal for me. Then he said I should wait for six months and apply it to another Taylor Morrison subdivision. I said that is reasonable provided the subdivision is in my county and I am assigned to a contact person who knows this agreement and will help me to make it happen. 
Since then, I have sent three emails about two weeks apart to the attorney and no one is responding or telling me anything. Meanwhile, Taylor Morrison has sold the lot I deposited my hard earned {$20000.00} on and yet holds tight my money and yet silent about it despite my several inquiries to resolve this. Please, I need help to recover my money so I will not be homeless. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all credit bureaus and creditors in may in regards to incorrect and fraud accounts that are reporting. The items are still reporting and need to be removed immediately! There are accounts that is XXXX XXXX XXXX and still reporting and by law that is illegal and can not be reporting! remove it asap please! I do not want to have to take legal action but i will if this matter is not resolved. Please remove these items per 15 usc 1681 b you all are violating my rights as a consumer by furnishing this information without my consent.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Charge-Off Accounts on Credit Report Due to Identity Theft Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally dispute several inaccurate charge-off accounts listed on my credit report due to suspected identity theft. I believe that these accounts do not belong to me and violate my consumer rights under the XXXX XXXX, specifically 15 U.S. Code 6801, which mandates the protection of personal financial information and the prevention of identity theft. 

The following charge-off accounts appear on my credit report from TransUnion and are detailed below : XXXX XXXX XXXX Status : CLOSED_CHARGE_OFF Date : XX/XX/XXXX Balance : {$10000.00} Account # : XXXXXXXX XXXX  Status : CLOSED_CHARGE_OFF Date : XX/XX/XXXX Balance : {$750.00} Account # : [ Account Number ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$10000.00} Account # : [ Account Number ] XXXX Bank Status : XXXX XXXX : XX/XX/XXXX Balance : {$750.00} Account # : XXXX First XXXX Bank Status : CLOSED_CHARGE_OFF Date : XX/XX/XXXX Balance : {$1000.00} Account # : XXXX First XXXX Bank Status : CLOSED_CHARGE_OFF Date : XX/XX/XXXX Balance : {$960.00} Account # : XXXX First XXXX Bank The inaccuracies present in my credit report are damaging to my financial reputation and run counter to my rights as stipulated in both the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which guarantees individuals the right to dispute inaccurate information. Furthermore, identity fraud is a violation of my consumer rights, as per the identity theft protections under federal law.
Product: Money transfer, virtual currency, or money service

I used the PayPal service through the seller of an apparel product. I did not receive the merchandise until 3 weeks later. When I received it, of course it was nothing like it. The online store was in the US but the shipment was from XXXX. I contacted the seller via email, no response, via phone no response, when I went to the website it was taken down. I alerted paypal of this incident they opened a dispute, then sided with the seller because the seller claimed they sent it. I opened it up again they rejected it because they needed more information. Finally after the 3rd time trying to dispute this, this is when I got an email from the seller and they said it was an accidental mistake and that if I could just ship back the contents they would give me a refund, however they wanted me to cover the shipping cost. It was their mistake. It costs {$50.00} to ship it to XXXX. the value of the product was for {$XXXX} to which as of this posting I still have not recovered. Paypal says I must reply with a tracking number or they will close the case and side with the seller. they expect me to pay for shipping on a fraudulent seller instead of handling it with the seller instead of me. I fail miserably to understand how correction of fraud on the sellers part constitutes loss of money on my part. Here are the number of disputes : XXXX Other Closed XXXX XXXXUSDXXXXr XXXX, 2020 Case Resolution Decided in seller 's favour XXXX OtherClosed XXXX XXXXUSDXXXX XXXX  , 2020 Case Resolution Decided in seller 's favour XXXX Item not as described Need Seller Response {$110.00} USD XX/XX/2020 XX/XX/2020
Product: Money transfer, virtual currency, or money service

I filling out a complaint against Cash App ( Block , Inc. ) Dud to inadequate customer service and unfair practices, which violates the the Consumer Financial Protection Act ( CDPA ) specifically cash app failed to take a timely and effective measures to pervert and address fraud on thir platform, leaving my account unproductive and vulnerable. Therefore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have significant inconvenience and financial loss and I seek appropriate redress for these violations