23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company allowed my home owner insurance to laps. 
Because they did not pay the policy on time My contract said they are responsible for paying my insurance and taxes on my home through an escrow account. 
I called them immediately after I was notified by my agent and they assured me they will take care of it. 
Now, they are telling me I need to go out and find new insurance. 
I had a great company for my insurance It is hard now to find insurance in Florida. 
This is not my fault, my mortgage payment is in excellent standing.
Product: Credit card or prepaid card

I have two CC with one company. Back in XX/XX/XXXX some charges were made that I did not realize till XX/XX/XXXX this account was used by my daughter for college. I have been unable to get the five charges removed and stopped my payments. I will pay the penalty but I was frustrated with the lack of consumer services when contacting the company. In XX/XX/XXXX I finally got a person from the company to assist me and agreed to make a payment that would pay off the credit card. The company did not apply the funds to the credit card in question but to the second card. I was under the understanding that at that time I had a XXXX  balance on that credit card if the five charges were successful. Last week I received a notice in the mail that the cc in question now had a balance of four hundred dollars more then what I paid off. Another words my payment was for XXXX dollars and now I have a XXXX debt on this cc.

The second cc I stopped payment on because of the slow crediting on my account that more then once took more then a week to post and allowed the company to charge additional rates. One week after I sent them a XXXX dollar payment they claim I owed them the additional money even though the company held the funds and did not post them to my account until after the late fees could be applies.

I have not made a payment yet and have not been successful in communication with the company. Until I can get the first cc straightened out I do not plan on paying another cent to the company.

I have not used either cc for months and have since destroyed them
Product: Credit reporting, credit repair services, or other personal consumer reports

sent the ftc claim XXXX  taking their time
Product: Debt collection

I did not receive any notice about this account. I'm not aware of this past due balance or even if it's mine to begin with. This company placed the account on my credit report without notice or verification. I do not have any past due accounts either.
Product: Debt or credit management

Please allow me to come strait to the point. On XX/XX/XXXX. Brock & Scott , PLLC conducted the foreclosure proceedings on my property, in spite of being aware that their client, XXXX XXXX XXXX XXXX XXXX XXXX did not have legal standing to perform a legal foreclosure on my property. In addition to the violation to Georgia XXXX outlined in O.C.G.A. XXXX to XXXX, Brock & Scott , PLLC violated the Fair Debt Collection Practices Act ( FDCPA ) - 15 U>S>C> XXXX et seq. This law essentially states that if the law firm handling the foreclosure is acting as a debt collector, it is subject to the FDCPA, Under the FDCPA, debt collectors must validate the debt upon the debtor 's request and provide information about the creditor ( client ) for whom they are acting. The law firm can not legally pursue foreclosure without proper validation, and they must cease collection activates until they provide this information. Brock & Scott , PLLC was notified before they conducted the foreclosure, that their client did not have legal standing in this case. Nonetheless, they were also required by Georgia and XXXX law, to make sure of their client 's legal standing before they initiated any form of foreclosure proceedings. Further, they have violated the XXXX XXXX XXXX Reform and Consumer Protection Act - 12 U.S.C. 5301.This Act includes provisions designed to prevent fraudulent assignments and improper transfer practices in the mortgage industry. Please see Attachments XXXX fraudulent Assignment dated XX/XX/XXXX is fraudulent on it's face evidenced by it's robo-signing performed by signer XXXX XXXX, a confessed and well established robo-signer. The Corrective Assignment is not legal either. Brock & Scott , PLLC was purposefully negligent in pretending that their client herein named, had lawful authority to conduct foreclosure proceedings in my case. The actions of Brock & Scott , PLLC in my case are criminal.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX acct XXXX XXXXXXXX, XXXX XXXX XXXX acct XXXX XXXXXXXX and XXXX XXXX acct XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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: Debt collection

I do not believe the debt that is reporting on my credit report that is charged off. I didnt sign up with this company. 

LVNV FUNDING LLC - Collection/Charged off Other $ XXXX {$1400.00} Date Reported : XX/XX/year> Account Status : Derogatory Responsibility : Individual
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation error reporting wrong amount owed inaccurate information XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards not mine XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX not mine XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX not mine XXXX XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters not mine none below are mine cra violation XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, ND XXXX BYMAILONLY XXXX  XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific XXXX XXXX XXXX XXXX XXXX, TN XXXX BYMAILONLY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Concerning signing up for ID Protection with Equifax. First they told me I could n't sign up until X/XX/2017. Then when I tried to sign up instead of being enrolled at that time they said I would receive an email in a few days with a web link where I would be able to finish my enrollment in ID Protection with their company ( XXXX XXXX ). It is now 11 days later and I still have not received that email with the web link. Can you help me with this problem. Somehow I do n't think I 'm the only one with this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing regarding your recent response, stating that the following companies, reporting the following alleged data, have, in FACT, been VERIFIED which is IMPOSSIBLE since frivolous data is unverifiable. Im making a final goodwill attempt to have you clear this matter up immediately because the following listed data is entirely inaccurate, incomplete, and represents a VERY SERIOUS ERROR in reporting on your part. Once again, the data in error are as follows XXXX XXXX- not mine fraud XXXX - not mine fraud XXXX XXXX  XXXX Not mine fraud XXXX XXXX - not mine Considering the above, please be advised that a detailed description of the procedure in which you used to determine the 100 % ACCURACY AND 110 % COMPLETENESS of the data provided ( including all 67 fields of required data in Compliance with METRO 2 STANDARDS ) for the accounts listed above, is hereby requested to be provided within fifteen days of the completion of your re-investigation date.

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your agency was required by federal law to verify, via PHYSICAL VERIFICATION any and all account data that youve posted to my credit report. And therefore, since youre claiming that all of the above data has been verified, then I must demand to see an official copy of EACH document used to verify this account, particularly any contracts and/or purchase receipts bearing MY signature, and showing that I have a legally binding contractual obligation to pay the EXACT amount claimed, or ANYTHING AT ALL for that matter, ALONG WITH ( 1 ) the Name, ( 2 ) the Address, and ( 3 ) the Telephone numbers of each person you contacted in regards to the above alleged account data and whom will be responsible for these errors.

Any AUTOMATED responses are UNACCEPTABLE. So I am requesting both a Reinvestigation AND your METHOD OF VERIFICATION per Federal FCRA Law. Per the FCRA, unverified accounts MUST be removed, and in the event that you do not and can not provide this information EXACTLY as requested in this letter ( including your Method of Verification ) per my consumer rights, then I must formally request that these negative accounts OR the negative data attached to them, be immediately, AND PERMANENTLY, removed as disputed & requested above.
Product: Mortgage

I applied for a refinance of my mortgage in XX/XX/XXXX and the closing was not finalized until the end of XX/XX/XXXX. I had to make consistent follow up with Loan Depot and submit my financial records twice. It finalized closed the end of XXXX. I advised I was seeking a 30-year fix mortgage and I wanted my homeowners insurance and my taxes on the property paid with my mortgage. Loan Depot agreed. 

Prior to refinancing with Loan Depot my outstanding Mortgage was {$340000.00} with XXXX. To refinance with Loan Depot at a lower rate my mortgage increased to {$340000.00}. That was a surprise. I asked why waws there such an increase. I was advised it was the funding of the mortgage, taxes, and homeowner insurance through escrow - and my monthly payment would be {$1700.00}. 

I made my payments for XXXX, XXXX XXXX, in the amount of {$1700.00} with additional money on the total owned. in XXXX I advised there was a shortage in my escrow and my new loan payment would increase to {$2200.00}. 

I've asked Loan depot to transfer the additional money paid on the loan to my escrow. I finally realized that loan depot had not been trueful with me when they set up my loan. I was told my XXXX XXXX at Loan depot that I could pay my own taxes and insurance, but the loan was written to pay my taxes twice a year, not four times a year. It took several phone calls and email to the XXXX MA XXXX XXXX and Loan Depot to determine they were not being trueful about my taxes. Several times I was informed that the taxes had been paid but this was not the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

Provide how these accounts were Validated or Delete the following accounts reporting inaccurate and obsolete information. 

1. XXXX  XXXX This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account to belong to XXXX XXXX. 
a ) Promptly delete that item of info from the file of the consumer. 
2. XXXX This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account to belong to me. 
b ) Promptly delete that item of info from the file of the consumer. 

3. XXXX  XXXX After reinvestigation under paragraph 1 of any info disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall c ) Promptly delete that item of info from the file of the consumer. 

Violations being reported : 15 U.S.C. 1692g 15 U.S.C. 1692e
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPS 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Lets say my credit limit is $ XXXX. I make a charge for $ XXXX. I then immediately pay the full amount. There are no other charges. 

Chase says my available credit is now XXXX ( actually XXXX ) because my payment is large and so is on hold. I confirmed this with four different customer service reps. 

If I hadnt paid at all, my available credit would be $ XXXX. If my bank canceled the payment for whatever reason ( i.e. the reason the payment is " on hold '' ), my available credit would still be $ XXXX. 

This makes no sense, and I am unable to use my credit card because I paid it early.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 applied and was approved for a XXXX XXXX XXXX XXXX card through Bank of America while I was finalizing my cruise arrangements on the XXXX XXXX Website. XXXX XXXX and Bank of America BOTH advertised on their websites ( and still do ) that if I applied and was approved for the card and completed a transaction within the first 90-days, that I would receive XXXX Bonus Points which could be redeemed for a {$100.00} Onboard Credit during my cruise. I made the qualifying transaction immediately upon receiving approval online while booking my cruise. I then received the actual XXXX XXXX XXXX XXXX card in the mail and took it with me on my trip. 

During my cruise, I spent {$210.00} onboard, thinking that {$100.00} of it was going to be covered with the {$100.00} Onboard Credit that I had earned. However, after my cruise, the {$100.00} Credit was not showing up on my statement. 

When I contacted XXXX XXXX about XXXX XXXX and they told me that I had earned the {$100.00} onboard credit, but I would have to deal with Bank of America because they had cut my statement off too late for me to receive my {$100.00} onboard credit for this cruise, but I could use it on my next cruise! Wow, why would I want to take another cruise with XXXX XXXX after they had lied to me? It was like another gimmick to get me to book another cruise! On Wednesday, XX/XX/XXXX, at XXXX, I spoke to XXXX at Bank of America . He took the information and issued me a Case ID  # XXXX and indicated that he would try to get the {$100.00} statement credit applied to my account. I received a letter from Bank of America dated XX/XX/XXXX stating that they had reviewed my account and had applied my rewards correctly and referred me back to XXXX XXXX. So basically, the small consumer is stuck with two very large corporations pointing the finger at each other over a {$100.00} False Advertising Scam.
Product: Vehicle loan or lease

My vehicle was repossessed by the company. I had gotten behind on my payments previously resulting in a XXXX letter and calls to my family members, however I had just gotten my payments completely up to date. The company routinely accepted late payments and payments plans from me. Due to making a substantial payment, I needed time to get caught back up on the current payment. The rep from the company had been speaking to my father ( whom I have never authorized to speak to them ) and he advised him he would contact me to resolve the matter within that same week, meaning if I couldnt pay it, my father would. At this time, I was still within the 30 day window for the payment. My vehicle was then repossessed 2 days later. 2 weeks after my payment date, which the company had advised me no action is ever taken or considered until after the 30 day window had passed, which it had not, since it was still considered current at that point. I did not receive a new XXXX letter, I was told I was ok unless that were to happen again since it was considered a new default, which follows in accordance with MN state laws. After the repossession accursed, I was never informed of a date the vehicle would be sold or auctioned, I didnt receive any kind of notification from the company. I have disputed this account on my credit report numerous times, however the company continues to state it is valid. I have attempted to send correspondence to them to resolve this, however the mailing address they list is not a valid address for them. The vehicle was illegally repossessed and they violated almost all of the state laws that must be follow. The company was communicating through a 3rd party, my father, whom they assured I would be able to resolve the matter within the week, yet they repossessed before I would even make the payment.
Product: Checking or savings account

I am attempting to pay my Venmo credit card which is managed by XXXX. My checking account that was previously linked to the account mysteriously disappeared and I was unable to reconnect via XXXXXXXX XXXX verification and manual verification. I attempted this action several times between XX/XX/2024 and XX/XX/2024. When unable to make a viable solution on my own, I reached out to Venmo via the app for technical support on the credit card XX/XX/2024. Through that medium I was informed to contact Venmo direct via phone at XXXX. 

I attempted a second time on XX/XX/2024 to resolve this issue by reaching out first to XXXX Venmo credit card line ; when they informed me they could not assist, I contacted the number provided above. The agents informed me that there was an error in their system but couldnt tell me what type of error or if theres a way to resolve it. The only thing I could do was use another payment method or try again later. When I elevated this issue to a supervisor, I was advised of the same thing. 

My primary bank account that has been linked to my Venmo has no fraud alerts or issues with payment in the past so to not be given a reason or way to resolve this matter is egregiously shortsighted. Without a resolution, I am unable to make a payment on my credit card which will impact my credit if not resolved. Furthermore, Venmo offers no way to contact tech support to see what is truly the problem with their system and why its performing errors on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 i called XXXX XXXX XXXX and gave them my Account number on my credit file. they gave me a number to their legal department. i called then i gave them my information they acknowledge i filed for bankruptcy. then they gave me another number to call, called numerous times and left a message to get back with me, no one got back with me. prior to that i disputed my case with XXXX more then once uploaded all legal documents. the dates XX/XX/20 XX/XX/20. they sent back false information to XXXX and said my case was accurate as i still owe them the debt. thats not true my bankruptcy is discharged. i disputed bankruptcy petition and discharge and my account is still open. i also disputed with other accounts on my documents upstart, wells Fargo and member source credit union XX/XX/20. the disputed was for to update to bankruptcy discharge chapter XXXX no results. showed all documents also. file disputes XX/XX/20 to update bankruptcy chapter XXXX discharge with XXXX XXXX and XXXX for the account wells Fargo and upstart. i did not contact wells Fargo, upstart or member sources credit union just disputed them no results. by law with legal document my rights are being violated. all accounts should show bankruptcy discharge chapter XXXX with {$0.00} balance. thank you
Product: Debt collection

Specialized Loan Servicing ( SLS ), XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX are confirming based on their unauthorized mortgage position and assignments that I surrendered and included my property in Bankruptcy. 

In detail : 1. SLS stated I included my property in my Chapter XXXX 2. XXXX stated I surrendered my property in my Chapter XXXX. 

All statements from all companies are false. I NEVER surrendered my property. In addition, my Chapter XXXX 's were dismissed. 

See attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I got an alert from my XXXX XXXX XXXX that Equifax has once again added a FALSE statement to an account that is CLOSED. They added a remark to my XXXX account that says Consumer Disputes The Account Information when I HAVE NEVER DISPUTED THIS INFORMATION. 



The account is closed, it is in good standing but yet Equifax puts a derogatory statement on my account that is FALSE and MISLEADING! I am sick and tired of this happening as this is not the first time. They put it on, then remove it and not put it back on my account. 

I am demanding that EQUIFAX remove this immediately and stop putting this XXXX on my credit report. 

The rep said that a confirmation number. # XXXX and his name is XXXX operator ID XXXX XXXX and he said that he removed the dispute codes and statements but He is a liar.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

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