23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage servicing Company : Mr. Cooper ( " Cooper '' ). 

A foreclosure action was scheduled for XX/XX/XXXX at XXXX XXXX In an effort to save the home, contact was made with Cooper to determine if payment to reinstate the loan could be arranged or a full payoff of the loan was possible. The indication was that these options were available. A request for both a payoff quote and reinstatement amount was made on XX/XX/XXXX. A payoff quote in the amount of {$19000.00} was provided on XX/XX/XXXX, over the phone. Although I had been promised a fax within a day of the request, no fax with the payoff quote was ever sent. Nevertheless, I was assured on XX/XX/XXXX that the payoff amount was correct and payment, via wire transfer would have to be made prior to the sale taking place. 

A payment in the amount of {$19000.00} was made to Cooper, via wire transfer, on XX/XX/XXXX, prior to the auction. Cooper and the Trustee, XXXX XXXX, were notified immediately, and the sale was halted. I made it clear that I still wanted the written quote and assurance that the loan was paid in full, in writing. On XX/XX/XXXX, Cooper, through XXXX   notified me that the loan was not paid off and they needed to speak with me. When they were contacted, I was told that I still owed over {$3000.00} to payoff the loan. I re-requested the payoff quote previously requested on XX/XX/XXXX, and also made the request via internet ( Cooper Website ) on XX/XX/XXXX. I have received no response to my request. I did receive an email after contacting Cooper on XX/XX/XXXX, which contained the Cooper response to my " payoff '' request and i is attached as " payoff amount ''. It states no amount is due to payoff the loan. 
The statements provided by Cooper do not coincide with what is shown on the Miscalculation of interest and unknown other " charges '', as indicated on website payment information. 

Refusal to provide a written loan payoff statement upon request - The request was made on XX/XX/XXXX for a payoff quote misapplication of payments resulting in late fees : Excessive and incorrect " reversal '' of payments resulting in extra fees. Some payments applied to principal and interest were reversed and applied in an unknown manner ; I have attached a statement dated XX/XX/XXXX for your review. It indicates that credits to principal were included in my statement. I did not receive that portion of the statement. The credits were to go to the payments in the following months as discussed with Cooper. 

Charges to my account indicated as " other '', which are impossible to determine where the amounts were applied. Excessive charges to account designated as other ; Escrow documentation is not understandable and shows large deposits and Withdrawals from escrow. Of course, the result is that the payment increases to an unreasonable amount. The 2 items in escrow are as follows ( pretty simple ) :  Property taxes ( XXXX ) and homeowners insurance ( {$700.00}. I have been required to pay to Cooper the amounts that I have paid directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen back in 2018 due to my information being exposed in the XXXX XXXX XXXX. As a result fraudulent information has been posted to my credit report. According the Fair Credit Reporting Act Section 605-B these fraudulent accounts should be deleted from my credit report within 4 days. I have contacted this creditors and the credit reporting agencies on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent account reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - I paid off my automobile loan in the summer of 2010. I  requested a copy of my credit bureau from XXXX, and to my surprise in the comments section ; Consumer Disputes ( disagrees ). I have tried on numerous occasions to have to removed however, after 8 attempts over the 7years. As a last resort I must contact the CFPB.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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  Listed below are the Personal Information that are beings required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Received a letter from M & T Bank, stating that they are closing my account. Reached ou to them, but they were mute on the specific reasons in doing so. 
The following are the facts : Open the account about 8 months ago. NEVER have I submitted a false check deposit. Maintain a balance of about {$4000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contact the XXXX XXXX XXXX, XXXX Equifax and XXXX to validate the debt, I have not received any supporting claims that the debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX A Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo credit card charged off XXXX still appears on my credit report. 

Wells Fargo reaged the debt to make it look like it was charged off XXXX. 
It still remains on my credit file as a currently deliquent account. They have falsely claimed it was charged off XXXX. It was charged off XX/XX/XXXX Which is 7 years ago.
Product: Debt collection

I am writing regarding the dispute I submitted on, which I believe was not handled in compliance with the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681a ( w ) and 15 U.S.C. 1681 ( i ), you must ensure accuracy and conduct a reasonable investigation. FCRA Sections 604 ( a ) ( 3 ), 611 ( a ) ( 1 ), and 611 ( a ) ( 5 ) ( B ) ( ii ) also mandate proper procedures for dispute resolution. Failure to comply may result in statutory damages of up to {$1000.00} per violation, as provided under FCRA Sections 616 and 625.

Please re-investigate and correct any inaccuracies within [ 15 ] business days. I may pursue legal action if this is not resolved. 

Thank you. 

Sincerely,
Product: Debt collection

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : ALLY FINANCIAL {$8700.00}
Product: Debt collection

I the co-signer of my son XXXX The loan was sold to XXXX XXXX XXXX XXXX From XXXX XXXX XXXX XXXX XXXX XXXX My son was sued by XXXX XXXX XXXX XXXX years ago my son was setup with a payment plan with XXXX XXXX XXXX paying {$200.00} a month four years Never missed a payment until my XXXX XXXX XXXX XXXX XXXX XXXX was unable to pay the {$200.00} the month of XX/XX/XXXX and month of XXXX XXXX. My son XXXX made XXXX XXXX and XXXX payment of XXXX XXXX XXXX default loan through court Son had a balance {$800.00} left to pay off {$10000.00} XXXX XXXX didnt notify my son they was taking him to court XXXX XXXX garnishee my bank account Was unable to get any money My son continue making payment The balance went from {$800.00} back to {$10000.00} this is no right something not right with this XXXX XXXX XXXX something needs to be done about this XXXX XXXX XXXX My so and I need your help to get his balance back to {$800.00}. XXXX XXXX that loan This isnt legal what XXXX XXXX XXXX has done to us and other please help us Thank You for listening
Product: Payday loan, title loan, or personal loan

I recently paid off my installment to XXXX XXXX for purchasing a few items. When I paid the debt I was informed everything was good to go. I was not informed of any negative information that was going to be reported to the bureau 's saying that I had failed to pay. I was not given any warning statements of any sort. Never once did they report anything positive to the bureau 's but decided to report negative information. I do not believe that is fair to never report anything positive but feel the need to report negative information.
Product: Checking or savings account

XX/XX/2020 XXXX I got a email from Huntington Bank stating that my Business Bank account was on hold due to a check I deposited ( {$5400.00} ). I called customer service and I was told that I needed to come in a branch with XXXX XXXX my Uncle I deposited the check for ( He endorsed the check that I deposited properly ). Myself and XXXX XXXX both went to Huntington Bank XXXX XXXX XXXX, XXXX, PA XXXX to clear up the issue and take my account and all my funds off hold. Banking staff refused to accept XXXX XXXX XXXX poof of ID to show no fraud is happening. Staff also refused to take the holds off my account and release my funds that was available previous to deposited check for XXXX XXXX. Huntington Bank staff ( XXXX ) couldn't show me a legal reason to place a hold on my account and available funds. I did not violate XXXX XXXX Banking policies and procedures and they are illegally holding my money! Staff ( XXXX ) did not provide me with any Banking Policy nor Procedure that proves the holds on my bank account is rightful. Covid-19 is still a struggle for my and family this hold is causing me to fall behind in bills and at risk of losing everything I have left. Huntington Bank is causing great harm to my business and family during this current pandemic.
Product: Debt collection

A collections was placed on my account for the amount of {$11000.00} on XX/XX/2018 by Midwest Recovery Systems. I am not aware of this debt and I have no documentation that it is mine. I was never even contacted by the original creditor, nor was I contacted by this collections agency via email or mail, before this was placed on my account. I do believe that a notice should have been provided so that I could have opportunity to pay or make other arrangements. I've reported this information to the XXXX  and have disputed this claim through XXXX XXXX. While on XXXX XXXX I did notice that other patrons was affected by Midwest Recovery Systems also.
Product: Payday loan, title loan, or personal loan

I usually use this company to aplay for small anount of money, XXXX and I always pay them back XXXX every other week XXXX or so. 
I request that money on Friday XX/XX/2023 and they sen me a lot of questions and emails requesting personal information that I don't want to send because I was afraid of stealing my personal information and they already have on file everything they need. After a few emails ( they never call me ) I decided to request to cancel my account and they don't want to and I try to erase my bank account and not let me doing it. What can I do?
Product: Student loan

I never quester nor wanted a forbearance and the company put me on XXXX anyway. 

Letter stated the following ( typos theirs ) : MOHELA Has Placed an Administrative Forbearance on Your Account Dear XXXX Carefully read the following pages nd the enclosed loan details regarding the approved XXXX XXXX period ( XXXX ) for your loan ( XXXX ).
Product: Money transfer, virtual currency, or money service

Good Day, I have account in Robinhood, transferred my funds to buy cryptocurrency. On XX/XX/XXXX I bought XXXX. After buying, me and my husband decided to transfer some crypto to different app and leave some there. I initiated the transferred my bitcoin to different app. The transfer process was showing in process. After may be few hours, they put restrictions on my account, that my account is under review and all my transfer was halted. I asked question, sent an email. They told me that my account is under review it might take few days to resolve. Then finally they said it will be resolved by XXXX. Come XXXX it changed to XXXX come XXXX it changed to XXXX. Today XXXX, it is changed to XXXX. 
I have been sending them email and taking on the call that please explain, why my account is on hold. I can not take my funds to bank, can not transfer my funds to another app, can not transfer my crypto. I am an grown up XXXX adult, I have perfect credit scores. Same story every day, your account under review, very frustrating. Looked on line, so many people are complaining about them, same complain. It seems like they are holding hostage my account. Please can you step in and resolve the issue.
Product: Credit card or prepaid card

XXXX XXXX. Written statement describing the situation that led to your dispute. 
Answer to my best of my knowledge I was attempting to make a purchase on around XX/XX/XXXX or XXXX which at that moment I noticed card was missing or lost. After realizing my card was lost or misplaced, around XX/XX/XXXX, my self and my girlfriend tried to find the missing or lost card with out success we tried calling customer service number registered on my phone directory. However my location out of the country connection problems. I was not able to complete the call. 

Company Questions A copy of the police report which sustains your claim. 

Answer I don't have XXXX! 

Question ; Would like to have a complete police report which includes the following details : Answer to my best of my knowledge I am personally providing information via this method and I have call customer service on XX/XX/XXXX of 2022 Question ; Circumstances surrounding the lost card - complete narrative. 

Answer to my best of my knowledge. I have provided this information via telephone call with my girlfriend and myself after succefuly contacting customer service department on XX/XX/XXXX. my girlfriend spoke to customer service department and they succefuly got her a translator she was able to give details information about the lost card so was I eventhoug my condition was fragile at that moment while on the phone this information was giving on great detail Note : On thursday XX/XX/XXXX my XXXX was calling she was told several times " No Spanish '' In XXXX occasion on Thursday XX/XX/XXXX they place place her on hold the call got disconnected. 

Question Company When the card was discovered missing. 

Answer to the best of my knowledge On around XX/XX/XXXX or XXXX of XXXX of 2022. 

Company Question Unauthorized transactions that took place. 

Answer to the best of my knowledge After reading information you have provided the following dates are listed XX/XX/XXXX ( XXXX times ) and XX/XX/XXXX ( XXXX times ) Answer Those are Unauthorized transactions. 

Company Question Are you willing to prosecute Answer Yes. 

Note : My girlfriend Human Rights Act were violented language she was humiliation due to her barrier of XXXX limitation.
Product: Checking or savings account

On XX/XX/XXXX we deposited into our savings account ( at a Capital One branch ) a check for {$75000.00}. This made our savings account balance around {$80000.00}. 

Sometime in early XXXX a restricted access note was added to our account with a note advising us to call an XXXX phone number. When I called, the representative said that there was a problem with my husband, XXXX  identification information. I was instructed to fax or mail a copy of his drivers license. I faxed a copy of his license as requested. Within about 2 weeks the restriction was lifted and we had access to our account again. I thought the problem was resolved. 
Soon after our account showed a XXXX balance. Account closed. I immediately called and was told that they had tried to contact my husband via email and because he didnt reply, they closed the account. Capital One never once contacted me, XXXX about this issue. We never received the check. I have called many, many, many times. It was escalated to managerialstatus but we still have not gotten our money. I was told the following XXXX. On XX/XX/XXXX You must wait 10 days for check. Did that. It never arrived. 
XXXX XXXX XXXX ( Manager ) told me I must wait 2-3 business days for them to stop payment of check. Then they will reissue a check and send it via XXXX XXXX. 
XXXX. On XX/XX/XXXX Manager XXXX told me the same as XXXX. 
XXXX. On XX/XX/XXXX Manager XXXX was the most helpful and escalated the complaint to the Bank Closure Team. He said I should have an answer by XXXX the same day XXXX. On XX/XX/XXXX at XXXX I spoke to XXXX who told me I now need to sign an affidavit and once that is received it could take up to 90 days for check to be reissued. It will also take 2-3 days to get affidavit via email. 
XXXX. Today is XX/XX/XXXX and I have not yet received an affidavit. 

Capital One has unfairly closed our account and now is making it virtually impossible for us to get our money back. Please help us. I have spent countless energy and time on the phone trying to resolve this.
Product: Credit reporting or other personal consumer reports

I was reviewing my Credit Report and noticed that the following companies are listed. I do not know who these companies are. I requested for XXXX to investigate since they are reporting this information to my credit report, however they have only responded that this information has been verified with no proof of the verification. Due to the 15 U.S.C 1681 there should not be any issues on my reporting, and this is a defemination to my character and my credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to access my free annual credit report 3 weeks ago. All 3 agencies denied me access and did not provide any explanation. I filed a complaint with CFPB about this issue. The complaint files were opened, one for each agency. Only 2 companies responded, but they did not respond to my question about why they would not provide my report online. XXXX  and XXXX  claimed my credit report will be mailed to me. So far, I have not received any credit report. However, CFPB closed the complaints, despite my refutation that they didn't address the complaint. 

TransUnion hasn't even responded to the complaint yet. 

It has been 3 weeks since I tried to review my data held by credit agencies and I'm still waiting. 

What is the CFPB doing to resolve these issues? 
XXXX XXXX XXXX
Product: Debt collection

The problem originated from an automatic billing system from XXXX XXXX XXXX in XXXX, SC. I moved from the area in XXXX XXXX to the XXXX. 

On XXXX XXXX, XXXX I thought to cancel my account after receiving bill notices. I paid a Balance of {$69.00} to XXXX XXXX, which does billing for the health club. This included payment for two months past due and a {$19.00} service fee. 

A Cancellation Notice was sent to XXXX XXXX stating to cancel membership. This was done before their next billing cycle, but they conveniently for them made " an error '' and continued to bill me. 

It is now XXXX and after review of a Credit Report dated XXXX/XXXX/XXXX I became aware of an amount of {$99.00} being reported as Delinquent - In Collections by First Credit Services on behalf XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX have been made aware of the mistake which was no fault of my doing and First Credit Services was contacted which updated my account as removed and {$0.00} Balance. 

My complaint is with First Credit Services - XXXX XXXX XXXX, XXXX XXXX - XXXX, NJ XXXX. I have repeatedly tried to contact them to obtain documentation stating that the Account ( Reference # KB XXXX ) has been closed and that it has {$0.00} Balance, as well as tried in vain to get someone from their company to expedite the process of removing it from all Credit Bureaus, since it was a mistake made in their chain of command. 
I have been consistently transferred all over their phone system, hung up when I ask to speak with a Manager, I also believe that I have been lied to as to Names and Titles of their Associates. I have been told more than once that Supervisors will call me back, and it has yet to happen. I know the system recognizes my phone number and sometimes when I call it will send me directly to voicemail. I have audio recordings of every single call which depicts their unfair, shady, and deceptive practices.
Product: Credit card or prepaid card

For the first time this month XX/XX/2022, received a bill and emails for a past due of {$120.00} and a balance of {$3900.00} from Synchrony Bank XXXX that I didn't recognize. I call CareCredit Synchrony Bank at XXXX and filed a fraud claim. All this started this month and was told that the account was opened XX/XX/XXXX of this year. Waiting for document from Synchrony Bank to complete. I don't understand how this came to be, because I've attempted to open a credit account and was declined in the past.
Product: Mortgage

On XX/XX/2019,  I called my HELOC loan servicer, Rushmore loan Management Services, to request that they no longer withdraw this amount of additional principal that I had requested several months before. I requested Rushmore stop withdrawing $XXXX additional principal. I instructed them to only withdraw an additional principal of $XXXX. Their customer representative informed me in XX/XX/XXXX that it was too late to make the change before the XX/XX/XXXX payment was due,  but the change would take effect in XX/XX/XXXX. However, in XX/XX/XXXX, Rushmore withdrew $XXXX more than I had authorized.  I disputed the additional principal with my bank which upheld the dispute. On XX/XX/19, I received a  letter from Rushmore threatening to put me a "certified funds only" if it happens again.