23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year>, my debit card was compromised and I requested Bank of America ( BOA ) stop all transactions. My auto withdraw to XXXX was also effected. So in order to pay my auto insurance bill, I used one of my credit cards ( last XXXX of card XXXX ). The amount owed to XXXX was {$75.00}. On XX/XX/XXXX, I received an email from BOA stating my recurring payments to XXXX had been terminated. I filed a claim because my bank statement indicated the bank had withdrawn the {$75.00} meaning I had paid my XXXX twice.I filed a claim ( # XXXX ) I received a letter from BOA dated XX/XX/XXXX stating the {$75.00} which had been credited to my account was to be removed. So the bank is claiming I didn't pay my XXXX payment with a credit card and was going to withdraw the {$75.00}. I sent BOA a copy of my account statement from XXXX which clearly shows I used a credit card to satisfy my auto insurance bill. I have contacted the bank on XXXX different occasions requesting my account be re-credited but to no avail. The bank representative confirmed the bank did receive my XXXX account statement. The claim # is all you will need to investigate my complaint.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX DATE OPEN XX/XX/2021 XXXX  {$5600.00} MIDLAND CREDIT MANAGEMENT has committed Securities fraud and Identity fraud. I never consent the using my name which is identity left. MIDLAND CREDIT MANAGEMENT has taking Securities out in my name without my consent. All debt is prepaid with my XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 my credit dropped 13 points with Equifax and XXXX for absolutely no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Returned my lease for XXXX XXXX and got new lease from XXXX a XXXX XXXX. However, six  months later I get a bill from XXXX XXXX stating my tires did not have proper thread and a scratch on my bumper etc. the bill was for XXXX, I negotiated the bill and was able to settle the tires for {$1100.00}. On my credit report for this lease it stares in comments that I negotiated out of my lease and show closed as of XXXX and negative in commentary and on my reports. This is not accurate and is offensive since I paid my lease off 100 % and was never late and I purchased a brand new lease the exact same day I turned in the XXXX lease which was in XX/XX/XXXX. My old lease that shows paid in settlement was from XX/XX/XXXX to XXXX XXXX.i have proof of tire settlement which had zero to do with paying my lease payment and Im attaching the negative information from my credit bureau
Product: Mortgage

My home mortgage is serviced through US Bank.

My escrow account has a large positive balance remaining after all insurance and property taxes have been paid for the year. This is due to the actual tax bill being much lower than anticipated ( the property was assessed by the county before the house construction was finished ). 

I requested a refund of the excess money on XX/XX/XXXX ( taxes were paid on XX/XX/XXXX ). I was told they would have to perform an " off cycle escrow analysis '' to determine the amount to be refunded, which would take XXXX business days. I was told this would be completed by XX/XX/XXXX. On XX/XX/XXXX there was no refund issued, so I contacted the bank again. This time, I was informed that the analysis was not performed, as there was no change being made to the monthly escrow payments. 

Once again, I requested a refund of the excess money, and was told it would be another XXXX business days to process it, even though they already knew the exact figure that was to be refunded. This is absolutely unacceptable. After speaking with a supervisor I was told they would put a rush request on it, and it would be processed by XX/XX/XXXX. It is now XX/XX/XXXX and nothing has been processed. 

The bank is withholding my money that I have overpaid to the escrow account and is refusing to expeditiously refund the coverage. If I made a late mortgage payment, I would be hit with penalties and it would be reported to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX are not showing credit balances : the last XXXX digits as follows : XXXX XXXX balance ( still carries a balance and about to close it with O balance ) XXXX -- XXXX balance ( -- XXXX ) Platinum ... XXXX ending in ... XXXX XXXX CURRENT BALANCE : - {$34.00} CURRENT BALANCE View Account Platinum ... XXXX ending in ... XXXX {$0.00} XXXX CURRENT BALANCE : {$0.00} CURRENT BALANCE View XXXX
Product: Mortgage

XX/XX/year> This has been a recurring problem with Mr. Cooper. There is no clear way to reach a person on any of their customer service lines. The menu is voice only, 0 and " speak to a person '' don't work. If you navigate the menu long enough you're just randomly transferred to a person after some recording or other plays but it's never clear when or why. 

When I finally reached a person, they had no way to send me the document I needed. She told me to " write it down ''. But I needed a document with proof of the insurance payment for my broker b/c she couldn't find the payment. 

Further, they constantly route you to their insurance subcontractor, mycoverageinfo.com. But mycoverageinfo.com won't let you speak to a person at all unless it can look up your loan number. But I entered my loan number correctly, exactly as it appears all over Mr. Cooper 's website and the system just says " loan not located ''. It's an interminable loop. 

The web system also fails to find my loan. This leaves me with zero option to actually get information on my loan & insurance, because I can't reach a person to ask a question. Twice today it took 20+ minutes, none of that on hold, to reach a person. I still have no idea how I ended up connected either time in order to replicate it. 

This is frankly a ridiculous state of affairs for it to be so difficult to manage my account. Their customer service numbers are also nowhere on their website - I only found it by looking at " pissedconsumer.com '' - seems like they should have to publicize how to reach them even if it's just going to be a machine.
Product: Debt collection

This company has a charge on my credit and it is wrong! they are stopping me from being able to lease another apartment and causing lots of stress.I tried to dispute because the online information said ask for proof and corection they continue to not do this! 1 they had mold and everyone had no choice but to move and would not have any fees but im sooo confused also on my credit report its not even reported like accurate???

The balance is wrong ..The high credit??? im confused and dates of acivity is all wrong .. this account has no reason to be reporting on my credit report regardless ... They make these crazy attempt to always say accurate how and can never send proof of all thAT HAS been asked for this is illegal and im just in shock that its allowed ..Every credit report they report something differnt so how in heaven name can it all be accurate????????????
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have American Express Platinum credit card. This XX/XX/XXXX, American Express representative put an retention offer to my card without my request or permission at all. Then yesterday I called Americas Express to request a retention offer, because all my friends with American Express Platinum card have recently received a retention offer of either $XXXX statement credit or XXXX membership rewards points without any purchase requirement. However, very surprisingly I was told that I am not qualified for this retention offer because I was given a retention offer in XX/XX/XXXX. However, I never requested or accepted a retention offer in XX/XX/XXXX.Apparently American Express customer service representative put an offer in my account in XX/XX/XXXX but this offer never became effective. However, now I was incorrectly declined by American Express for the currently available retention offer that every other customer is getting from American Express. It is totally unfair to me. I feel that American Express put a trap in my card and use it as an excuse to decline the retention offer that is common available to every single card holder now.I request American Express to honor the current retention offer of either $XXXX  credit or XXXX   membership rewards points immediately.
Product: Credit card or prepaid card

I called AMEX to cancel my card. During the 9 minute call they went through a number of offers to incentive me to stay. At one point I was told that my card has no annual fee ( although I thought it did ). The representative said it doesn't cost me anything to keep. Ultimately I was offered {$75.00} after spending {$1000.00} to keep the card. 

A few months later I received an annual fee and called to cancel. The representative said that the {$75.00} was given to offset the annual fee. I don't remember that being true. I explained to the representative I was told there was no fee and wanted to cancel. She then said I would be charged the {$75.00} bonus. 

This seems like I was baited into an offer under false pretences then charged an annual fee. When I contested the fee, I was charged an amount equal to the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account 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 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I placed a dispute with XXXX I have requested they remove a wrong address on my credit profile. They Refuse to updated my current address and remove the previous address listed XXXX has falsely misrepresented me, they have placed a bankruptcy on my credit report. I have requested several times proof. They can not provide me with proof of accuracy, they only provide me with a email showing verified or showing certified by company I have requested several times for the company 's name and letter showing the proof. Its been 30 days still no evidence of proof. It will be 60 days by the end of XXXX. They are costing me XXXX XXXX dollars. According to the consumer law I should be treated with fairness and have my credit report showing accuracy. 

I also have a dispute on file for a XXXX XXXX. they keep stating verified this is identify theft it has another person 's name listed not mines. I have asked for this information to be removed. 

I have requested several times for proof, with my signature. A copy of the Original lease or agreement showing my name and signature listed. 

I have contacted the bankruptcy courts no records found they do not release information. I have contacted XXXX XXXX from statement XXXX sends out no bankruptcy founded according to both records. 

I want to know where is information begin verified or certified by XXXX. According to the statements on my credit reports. They have wrong names listed on my profile and inaccuracy listed under my name
Product: Mortgage

I REQUESTED AN ASSUMPTION! THEY SENT ME AN APPLICATION. I ASKED TO SPEAK WITH SOMEONE AT THE COMPANY AND I HAVE GOTTEN A RUN AROUND FROM THE CALL CENTER. I HAVE COURT ORDER TOO RELEASE THE EX WIFE OFF OF THE LOAN. SHE ABANDONED THE PROPERTY IN XXXX AND THE DIVORCE WAS FINAL IN XXXX. WE TRIED A ASSUMPTION XXXX AND AGAIN THERE IS NO PERSON OF CONTACT. SO THIS PROCESS FAILED. THIS IS THE SECOND TIME WE ARE TRYING AND IT IS COURT ORDERED. WHY CAN YOU NOT SPEAK TO A LOAN OFFICER OR SOMEONE IN CHARGE OF THE LOAN? THE MAILING OF DOCUMENTS BACK AND FORTH IS USING UP VALUABLE TIME!
Product: Mortgage

XX/XX/XXXX, I applied for a mortgage loan for a property that cost {$220000.00}. I received the terms for the mortgage. I had money for the down payment and closing cost. About a week or two before closing I received a letter in the mail stating that there was a XXXX mortgage in the amount of {$33000.00} and that the mortgage had a balloon payment that would be due in 10 years. I felt uneasy and should have pulled out of the whole deal, but was told that was the only way they could finance the loan. I went ahead with the closing and moved in. Several times during the past ten years, I have tried to refinance, modify, and short sale the property. Each time being put through months of paperwork, just to be told no. Fast forward to XX/XX/XXXX, the balloon payment is due. I owe about {$30000.00} on a loan that was originally {$33000.00}. My monthly payments were {$260.00}. I paid that amount on time for 114 months. That means that I have already paid Wells Fargo {$29000.00}! However, I still owe them a lump sum of around {$30000.00}. Wells Fargo will make about {$60000.00} on a {$33000.00} which is almost a 50 % interest rate. Basically, for every dollar I was lent, they are getting back XXXX. How can this be legal? On top of that, my first mortgage was interest only, so I have made little progress in paying that down.
Product: Debt collection

Greater Chicago Finance Company I had spoke with them in XXXX XXXXPrevious to this they kept making hard credit marks on my credit score every 3-6months. I confirmed my place of work and my phone number and my address. I told them I was going to make small payments which I have been. I made small payments to them. 
When they called my job I answered the phone and I was told that if I did not pay them an amount of at least $ XXXX/Month they would garnish my wages and that they already had a lawyer and that I was going to have to pay for court fees and lawyer fees. 
I told them I wasn't hiding and that I could send them payments but I am a single mother and I have to pay other things. Since then I have send them payments and they already know all my information. Today XX/XX/2021 they called my job again and asked to Speak with my Supervisor by name. Later the owner called me and she let me know that they have been calling nonstop and that they have also send them paperwork regarding my debt. My employer was informed that I was not paying a debt to them and private information that I am unsure why Greater Chicago Finance has done this ; especially since I gave them all my information and I have been paying them and they had confirmed in XXXX that I do work where I say I work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning. I am trying to fix an error on my Capital One account. There are a few late payments occurred from 2018 and a couple months for due to a car accident and I was financially struggling and could not pursue any payments on credit cards. Same time around XXXX. I was laid off for a few months due to the pandemic and I had another late payment or XXXX. Since then I have never missed a credit card payment. Ive been in good standing for a few years now. I reached out to Capital One for assistance and was failed to have anything pursued to be fixed.
Product: Debt collection

NCB Management Services is reporting a debt collection account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. NCB Management wont sent any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged amount. XXXX  and XXXX have already removed this account from my credit for Violations against the Fair Credit Reporting Act. NCB Management also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting NCB Management delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices Act.
Product: Mortgage

Applied for 5/5 ARM ( refinance ) with Navy Federal Credit Union on XXXX/XXXX/2016. As of this date, I am still waiting on an " Appraisal '' to be completed and getting the " Approval Letter. '' Initially my Loan started as a VA refinance but I quickly changed to 5/5 ARM within 5 days of XXXX/XXXX/2016 because of better Interest Rate. 
My Assigned Navy Federal " Loan Processor '' in XXXX, XXXX had no knowledge of XXXX Laws regarding ARM refinancing. I was then reassigned another " Loan Processor '' on XXXX/XXXX/2016 and an Appraisal was ordered on XXXX/XXXX/2016 but NOTHING has happened with this Appraisal as of today 's date of XXXX/XXXX/2016. Still NO " Appraisal '' has been started let alone completed. 
I am still waiting on some REQUIRED " Disclosures '' that still have not been sent to me, namely the Credit Report findings DESPITE the fact Navy Federal Credit Union pulled another Credit Report from TransUnion over 2 weeks ago. 
I was told that I have excellent FICO Credit Scores averaging XXXX between my wife and myself. 
Navy Federal Credit Union " Loan Processing Center '' in XXXX, XXXX in my opinion LACKS the proper training of Loan Processors and they DO NOT follow Federal Laws on " Disclosures. '' Bottom Line, I am now 6 Weeks into the Loan Processing and STILL NO " Appraisal '' has been done on my Property. 
Navy Federal Credit Union may be DELIBERATELY delaying the processing of my 5/5 ARM " Loan '' refinancing so that they can get an ADDITIONAL fee past the initial 60-day rate lock. 
Navy Federal Credit Union " Mortgage Processing Center '' needs to be investigated for purposely delaying process of my Mortgage " refinance '' loan. 
Please HELP. 
My LOAN Number is XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against CashApp ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX, and previous months.. I have submitted my disputes, requested the investigations, called the agencies to speak with real people. My requests have been ignored. My rights and privacy has been violated and disrespected. My character and reputation have been discriminated against. I have suffered from reciieving credit I deserve, for both personal and business benefits. My family has suffered as well, being denied the financial stability for everyday living. I have been denied auto financing, credit cards and business funding. I have also reported these issues with the CFPB, XXXX, and attorney general. Nothing has been done to ensure that my family and my rights be honored. I have been more that patient with this process and have endured far too much XXXX  and hardship. I am requesting the attention that this matter deserves, I can't provide for my family this way, and that is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX experian report close accounts over 1000 days old and illegally sell accounts with a illegal collection process If u had a bankruptcy dismissal because U become permanent XXXX Closed account that was sold dismiss payed off still get reported a reported collection account thats not yours just pop up at any given time How u argue with me like Im lying about a account that can not be verified I been apart of the credit bureau breach Its still not fix so I have to suffer for their breach as well as the daily problems We in a pandemic but they dont give a s Sad system main focus is to keep certain people permanently down How I supposed to apply for a house loan when credit bureau report closed account accounts that not mine
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. The XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. he also violated the Privacy act of XXXX  and higher education act which governs student loan privacy.