23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Closed on home loan XX/XX/2022. Borrowed {$400000.00} of a {$500000.00} purchase. This home was purchased of XXXX XXXX, XXXX, a coal mining company with several disclosures and deed verbiage added. We were failed by our real estate agent who didn't explain to use what these disclosure meant to the future value and ability to sell the property. He failed to educate us on the mine subsidence insurance about since we were releasing the coal mine from liability. The underwriter from the bank should have never allowed this loan to go through. Now we have {$100000.00} plus closing costs into the home, {$75000.00} in renovations performed to the home in the year since purchase and find out the insurance is only {$200000.00} for subsidence in WV. We were out of state buyers. I would have never purchased a home for this price had I known we were going to LOOSE all our investment and it not be worth what we owe on it just 2 years later. There was a planned mining date at closing known to the underwriter and loan team. No one from the bank brought this huge issue to our attention, allowing the loan to go through and us to be soon stuck with a home not worth what we paid or owe on. This isn't about the real estate market, it's about known future damage that was to come. We purchased this home as an investment with intentions to sell in 3-5 years and build on family land 15 mins away. Now we don't know where we are going to live when this house is beyond repairable from mining damage. We were at our max budget to begin with and can't afford to buy another home. This risk of foreclosure on this property is high and were in plain sight ; not to be since I didn't know the subsidence cap. I just can't seem to understand why a bank would loan this amount of money on a property with no rights and known drill date when there wasn't enough insurance coverage to cover damages that are likely to occur leaving us with an huge debt and uninhabitable home potentially. We barely qualified for this home to begin with, how are we suppose to afford repairs? With current costs, it would cost close to {>= $1,000,000} to rebuilt the home, pool, pool house, stone walls, garage and shop. We are talking about 4 structures! Our home has a large, full basement providing a high chance of damage. The exterior is stone and stucco. The structure is over XXXX sqft. There is a large all glass sunroom off the back of the home with basement living under it.
Product: Debt collection

Portfolio claimed I owed them debt back in 2019. They sued me- I went and represented myself and explained that I had no knowledge of this debt - they had NO proof and admitted that they did not have a signed contract etc. the case was found in my favor. Then they threatened to take it to an appeals court which would require me to hire a lawyer to navigate. I made payments on this as I did not have the money to fight them but did not quite qualify for any pro bono lawyer ( I live in a rural area ) and could not take the time off from work. I did not know at that time they had to provide what information they used to say the loan is mine or that they can not threaten legal action. 
Despite the fact that they were told that I had been the victim of identity theft in court and the fact that credit reporting laws prohibit reporting or trying to collect in this case they never deleted it from my report. I never stated I owed them money - I was just scared of getting court costs and garnishments
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX COMMONWEALTH FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX
Product: Vehicle loan or lease

My vehicle was repossessed with no notice of course or anything when called was only given 24 hours to come up with XXXX with is outrageous no other options was given to me, Under XXXX  law ( which follows XXXX guidelines ), the lender must follow specific rules for repossession and sale of the vehicle. Failure to do so could mean you are not liable for certain fees or the deficiency balance.Specific rules or procedures wasnt followed, The lender or repossession agency never once notified me in writing after repossession, explaining your rights, the reason for repossession, and how to recover the vehicle.They took away my Right to redeem I then had the right to reclaim the vehicle by paying off the remaining loan balance, along with any repossession fees and storage costs. This is known as redeeming the vehicle. Auction or Sale Notice : never received anything of the nature neither which by law If you do not reclaim the vehicle, the lender must send a notice stating their intent to sell the vehicle, usually at a public auction or private sale. The notice must include details of the sale and allow you a final opportunity to pay off the debt. I never got this notice neither Deficiency Balance If the vehicle is sold and the proceeds do not cover the remaining loan balance, you may be responsible for the remaining amount ( deficiency balance ), plus additional fees and costs. But I never got a decrease in balance or any notification of such.
Product: Mortgage

XXXX XXXX requested from Mr. Cooper to end of the XXXX Forbearance on or about XX/XX/2023. XXXX XXXX received a correspondence dated XX/XX/2023 from Mr. Cooper outlining the Current Payment and Terms of which they contend includes a Partial Claim Amount of {$77000.00}. This is incorrect, there is no partial claim. Additionally, instead of assisting the consumer with modified terms that are rational in nature [ and non-predatory ], they instead are selecting to put consumers in a predicament that puts them further in debt and worse, puts their homes at risk of foreclosure. This is evident in the Estimated Modified Payment and Terms that Mr. Cooper is proposing on the letter : i. Increase interest rate from 3.125 % to 8.000 % ii. Change remaining terms from 360 to 480 months iii. Change total monthly payment amount from {$1300.00} to {$1900.00} The amount in arrears as of XX/XX/2023 is {$5000.00}. Mr. Cooper instead of rationally deciding to place this arrears amount to the end of the loan, they choose predatory practices by extending loan term 10 years and changing interest rate to more than market rates for a primary home. 

In addition, Mr. Cooper and the loan servicer, XXXX XXXX XXXX XXXX XXXX. are failing to adhere to XXXX XXXX as a member of the military. XXXX XXXX asks the XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX to thoroughly review of the above-named mortgage servicers lending practices. 

Thank you.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items listed below. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX You are reporting a late payments, yet TransUnion and XXXX are reporting that I paid on time. This is inaccurate reporting so please remove this late payment off my credit report and update it to paid as agreed for I made my payment.
Product: Credit reporting

I filed a chapter XXXX bankruptcy in XXXX of 2015 which was switched over to a chapter XXXX in XXXX of 2015, that same year. The chapter XXXX bankruptcy still shows on my credit report as dismissed while the chapter XXXX has been discharged for a year now. So i have XXXX bankruptcies on my credit report when i have only filed the one. It is hurting my ability to recieve any type of loan or anything of that sort.
Product: Debt collection

On XXXX XXXX a little after XXXX est calling my employer and asking for my personal information from my manager. My manager has talk to me and said XXXX this has to stop and its not tolerated. My manager stood next to me as I talk to whoever is constantly calling and harassing me and my manager. As this person trying to say my name and social security number I said stop right there you need to stop calling me here at my job and I can lose my job because whoever you was told several months ago and was told to your supervisor that to please stop calling me at my job. 
When they called me before several months ago and my boss told me who are those people I told my boss that I dont know plus he talked with rude language and told me that you dont have and cant do any f : :king to me and hung up on me. My boss was there and is my witness to this call few months earlier. I am afraid to lose my job because of the harassment calls. Also let me add this they called this morning asking for again XXXX around XXXX am asking for my personal information from my boss and his emails and mines.
Product: Credit reporting or other personal consumer reports

I checked my credit report and I can still see the INQUIRIES that I was requesting to get deleted. These inquiries was not authorized by me and I do not even recognize it.
Product: Credit reporting

XXXX new accounts were reported on my credit report. XXXX account with XXXX XXXX ( XXXX XX/XX/2016 XXXX {$28000.00} TransUnion ) was for an automobile. That loan was paid off by the other new account on my credit report, XXXX XXXX XXXX. The XXXX XXXX account has been paid in full and should show as closed.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute an item on my credit report that I believe is incorrect. After reviewing my recent credit report, I found the following discrepancy : * Account Name : Caine & Weiner * Discrepancy/Issue : according to the fair credit reporting act, account listed that doesnt belong to me. 
I have enclosed the following documents to support my dispute : * Copy of your credit report highlighting the disputed entry I kindly request that you investigate this matter and remove or correct the disputed information as soon as possible. Under the Fair Credit Reporting Act ( FCRA ), I understand that you are required to complete your investigation within 30 days. Please provide me with written confirmation of the results of your investigation and any corrections made to my credit report. 
If you require further information or clarification, I am happy to provide additional details. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX : Copy of Credit Report, Supporting Documents
Product: Checking or savings account

I had gone into the Citizens bank in XXXX to withdraw money from my checking account before my trip. The ATM machine was not working, and the bank wasn't opened just yet. I took cash from my house and then when i got back, i tried to use the ATM machine again and it wasn't working. Last Friday I went into the bank to use the ATM machine and get some cash and again, the machine wasn't working. it was XXXXXXXX XXXX and since XXXX, Citizens doesn't open until XXXX. I asked the customer service rep if she could help me out because i needed cash and the machine wasn't working, i had an appointment at XXXX and needed to go. She said the bank was closed and she will not help. I asked her again for her help and explained the machine was down AGAIN and i just needed to get some cash. She said i was rude to keep asking and that she wasn't going to help me even when they open. Another employee told me to leave and said if i didn't, he would call the police. The young man kept threatening me telling me the police are on their way and i should leave immediately. I wasn't swearing or threatening them so i was looking forward to the police coming. In the meantime, another employee came in and she was rather appalled at the other employees, so she helped me and apologized for her coworker 's behavior. I have several accounts at Citizens and i have been there for XXXX  years. I have been in business for XXXX  years now and have several employees. I serve on non-profit boards and I'm well respected in the community and i didn't deserve to be treated this way. Their ATM machines are always down and there are only a few in my area so i am constantly paying ATM fees. I get charged from both banks for a total of {$6.00} per transaction. I have paid {$250.00} in the last year because of their neglect to fix and supply their machines with money. I am moving all of my accounts to a much more reputable bank that I already do business with regarding my non profits. I just want to be refunded, and those employees should be fired ( I'm working on that ). A manager personally called to apologize but i don't want their apologies, i just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the account listed below to be removed immediately. 
XXXX XXXX XXXX  acct : XXXX In accordance with the Fair Credit Reporting act 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 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 purpose
Product: Money transfer, virtual currency, or money service

I am filling 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 their 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 Funds 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 card or prepaid card

I am an American Express Platinum account holder. As one of the benefits offered by American Express as a Platinum Card holder is Travel arrangements provided by American Express. On or about XX/XX/XXXX I used their services, on-line, to purchase an emergency flight and hotel accommodations. Within 24 hours of making this reservation, I called American Express Travel directly at approximately XXXX XXXX  XX/XX/XXXX to inform American Express Travel Agent to cancel the entire arrangement. The agentwho took y request, in my opinion, was extremely agitated which I assumed was due to the XX/XX/XXXX travels. Nonetheless, this Customer Service Agent at American Express Travel forgot to cancel my flight with XXXX XXXX. I was charged for {$690.00} for her error. I have made two previous disputes. The first was denied because I did not provide appropriate documentation, with the second I was able to provide names, date and even spoke with a supervisor who acknowledged the agent did not cancel the flight reservation. This supervisor has the transcript of my call requesting the cancellation. 
I was informed XX/XX/XXXX that my dispute was denied because I did not cancel my flight directly with XXXX XXXX. I did not have a ticket or confirmation number from American Express Travel since the arrangement was made directly with American Express Travel within the 24 hour  cancellation policy. The Agent did mention that the XXXX reservation may not be refundable and I informed her as a XXXX XXXX member all reservations are refundable. I called XXXX at spoke with the night manager and he assured me the cancellation was not a problem and neither I or American Express would be charged since the cancellation was made less than 24 hours from being made. 
This American Express Travel Agent was responsible for cancelling my flight. She did not cancel as instructed and now I am being charged for her error. I did not deal directly with XXXX and had no information to provide to XXXX. 
I was also told by an American Express Supervisor this evening that American Express Travel has  no affiliation with American Express Credit Card Company.
Product: Credit card or prepaid card

In XX/XX/2022, I was considering purchasing a product through Shop Indoor Golf. They use Bread Financial for their financing. At that time, they sent me and adverse action counteroffer letter stating that they could not approve me for the full amount requested. The decline reason was " Estimated Ability to Repay ''. During the quick application process, they only requested my name, address, DOB and last 4 of my SSN. They never asked anything pertaining to my income. I have an XXXX credit score, am a homeowner and have a low DTI. Not sure how they can estimate or guess my ability to repay. Are they able to do it because I live in XXXX, Colorado or due to my XXXX last name. I ended up applying with XXXX and instantly was approved with 0 % interest. I have had credit for almost 20 years and do not have one negative mark on credit. I truly feel discriminated against and don't want others to feel the way I felt when I was declined due to their guesswork.
Product: Credit card or prepaid card

I have had an account with Bluebird American Express for many years ( atleast 5 plus ). I originally opened this account when I lived in XXXX  and my name was XXXX XXXX I have married and moved to XXXX  and my married name is XXXX XXXX. I updated my information with bluebird last year. I never receive new card so i just continued to use my original card. I woke up today XX/XX/20 to an email that says my account has been locked or permanently suspended. I called customer service and they said that I have to write a letter to a PO Box address to customer care to find out why my account was closed. I had no notification prior today and I have an available balance of over {$3500.00} in my account that I am no longer able to access. I feel this is an unethical practice for me to not have access to my personal money that I have had deposited into this account via direct deposit. Customer service reps say that they are unable to tell me the reason for the account closure. They have no other means to contact other than a customer service number that routes to another country with a strong language barrier and agents reading from a script and will not answer questions, their only advice is write a letter to bluebird customer service. A letter to get my funds back from an account that was locked for no valid reasons, an Acct I have had for many years and an account that I have 2 reoccurring direct deposits routes to. I have mailed the letter with much documentation to support their is no reason for such actions on their part. I also sent in documentation of proof of my name changing when I got married. They received a copy of my marriage license, my previous social security card with my maiden name, my current social security card with my married name, my drivers license, my tax return for the last 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Copy of Email sent on XX/XX/XXXX to XXXX XXXX XXXX  EST To the investigation team for identity theft and fraud, I submitted a screen shot from EXPERIAN credit agency showing that the following two accounts are under DISPUTE a SECOND TIME because they are identity theft as requested by XXXX XXXX member customer rep who created the CASE ID on XX/XX/XXXX approximately at XXXX XXXX. 

I was supposed to receive FOLLOW UP by the XXXX INVESTIGATIVE TEAM by XX/XX/XXXX. I receive NO FOLLOW UP VIA EMAIL. 

I emailed XXXX  again on XX/XX/XXXX included the requested screenshot dispute page from Experian and still received NO FOLLOW UP. 

I called the XXXX customer phone center twice due to not being able to hear the representatives speak without repeating cutting in and out on the phone and asked to escalate to a supervisor XXXX who repeated a script about needing to resubmit due to me receiving no follow up and that it takes 3-5 business days to receive follow up. 

I had to disconnect the phone call with supervisor XXXX because I could not hear him any longer. 

I had multiple fraudulent accounts opened with XXXX all in collections without my consent back in XXXX of XXXX which I discovered in XX/XX/XXXX when I received an updated credit report from all three credit reporting agencies and was experiencing identity theft. 

XXXX  reported in XX/XX/XXXX to EXPERIAN dispute that I filed that ALL accounts were indeed fraudulent except for TWO ACCOUNTS : That begin with XXXX  AND XXXX  with balances remaining even though the accounts were all closed by my request and still causing major damage to my credit report and FICO score. 

This is the reason for opening CASE ID XXXX to dispute the remaining two XXXX accounts as equally fraudulent. 
It is iLLOGICAL that these two accounts would remain on my credit report due to XXXX but all others all opened in XX/XX/XXXX without my consent using my personal information would be legitimate. 

I am extremely upset with the delays and system of XXXX to give me scripted answers and no appropriate follow up for a simple matter where these accounts should also be immediately reported as fraud to Experian so they can also be removed from my credit report. I did not OPEN ANY XXXX ACCOUNTS IN XX/XX/XXXX AND I AM NOT FINANCIALLY RESPONSIBLE FOR THEM. 

However, Until XXXX  confirms these last remaining accounts are also fraudulent like all the others they confirmed fraud, my credit report suffers and it shows me responsible and that they are in collections! 

Who will step up in XXXX and take responsibility to do the right thing? 
I am reporting this situation to the CFPB Consumer Financial Protection Bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX