23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage with Mr. Cooper formerly none as Nationstar Mortgage. I frequently send in money towards my principal balance on my mortgage. On XX/XX/XXXX, I sent in a check marked specifically to go towards my principal in the amount of {$1700.00}. 
The check was posted as a regular payment. The regular payment is on Auto Pay and it is posted every month from the banking account. I have contacted Mr. Cooper several times starting XX/XX/XXXX when I got a statement showing they put the money as a mortgage payment. Spoke with XXXX, she said it would be corrected in 24 hours. It was not. Next, I spoke with XXXX, I was told it was denied when the request was put in because the regular payment had not come in through the auto draft. On XX/XX/XXXX, I spoke with XXXX, she said it was denied again. I asked to speak with a manager and XXXX with Account Services came on the phone. She said she would personally handle the situation and gave me her personal number XXXX and asked me to call her on the XX/XX/XXXXafter the auto payment had posted. TheXX/XX/XXXX being a holiday, I called her on the XX/XX/XXXX at XXXX. No one answered the phone nor did a recording came on. All the numbers I have called for Mr. Cooper, No answer. After going through all the prompts I have been on hold for 30 min, then a recording say do to weather this number is not set up to receive calls. XXXX, this is the number on the statement.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$690.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I wanted to trade my BTC on XXXX, so I have opened an account on XX/XX/XXXX and it is still not verified. I have read online that is a common problem and many users wait for verification for up to several months. I am not sure if the company is working on it. It is a very inconvenient situation for me. Hope it will be fixed soon.
Product: Money transfer, virtual currency, or money service

( 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations.

I want the CFPB to publish this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report from XXXX that are not authorized and are fraudulent and would like to report and also have them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid and settled XXXX XXXX number XXXX. This is no longer in collections and needs removed from my credit report with Equifax.
Product: Debt collection

Received an information XXXX and written questionnaire dated XX/XX/2023 on XX/XX/2023. 

Today XX/XX/2023 money was withdrawn by XXXX XXXX XXXX XXXX from my XXXX year old daughters checking and savings account. 
1. Not even 10 days to return the questionnaire.

2. All money in my daughters account was from her part time job. None of that money was mine. I have a checking and savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies below XXXX & XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number Account Number 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: Mortgage

Staring in the beginning of XXXX, XXXX I contacted KeyBank, NA informing that I hadn't received a Form 1098 which is needed to show the interest I paid during XXXX for the purposes of filing my tax return with the IRS. I spoke to someone who identified as in the Executive Offices of KeyBank N.A. He said he would mail it to my bill paying service address at XXXX, an address in South Dakota which is where the bill is sent every month. My home address and the home that their mortgage covers is XXXX XXXX XXXX XXXX, XXXX, NY. He also said if I wanted to get a copy quicker I could go to a bank branch but that he would see that it got mailed. I went to a KeyBank branch on XXXX XXXX in XXXX and after about 20 minutes of trying the branch manger said that the system would not allow him access to a Form 1098 on my account so that he couldn't print it.. On XX/XX/XXXX I e-mailed the KeyBank complaint web site ( copy attached ) and said I hadn't received the form. On XX/XX/XXXX my bill paying service received a mailed communication dated XX/XX/XXXX XXXX copy attached ) saying that my request " has been assigned to the appropriate team who is diligently researching this natter and will provide you a response as soon as possible. This is unacceptable to me as this institution is required to issue a Form 1098 by XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed I had fraudulent accounts on my report, Please remove these accounts from my report, they are hurting my ability to obtain credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

XXXX IS REPORTING XXXX XXXX XXXX PLEASE NOTE IM A MEDICAID PAITENT IN NYS UNDER NYS LAW THE PROVIDER CANT BILL ME ONCE THEY HAVE TAKEN MEDICAID IF I DONT GET THIS REMOVED ASAP I WILL BE SUING
Product: Money transfer, virtual currency, or money service

I tried to send XXXX USD on to my parents who are visiting XXXX on XX/XX/2020. The money supposed to be deposited in XXXX to XXXX mins into their bank account in XXXX. Today is XX/XX/2020 but My parents did not receive the money transfer neither I go the refund back from Remitly. I have contacted their customer service so many times but they never me a clear answer about the status of my money. They claimed that their system shows the money was sent but the bank in XXXX did not receive their money and their customer service agent confirmed it more than once. They told me that I would hear back from them with a solution within XXXX to XXXX hours every single time I contacted them but they never contacted me back. Their website stated that their phone service was disabled due to Covid19 so they had a chat service now that service is disabled as well and I can not even contact them about my transaction.
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 NUMBER : 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 : Account # XXXX XXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX XXXX  : Account # XXXX As 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 dont 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: Debt collection

I recently discovered several accounts on my credit report that are inaccurately reported. These accounts include a collection account with XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX ), and charge-off accounts with XXXX XXXX and 3 different accounts with JPMCB CARD. I want to emphasize that I do not owe any debts associated with these accounts, and they should be promptly removed from my credit report to reflect accurate information. I believe these inaccuracies are damaging my credit score and financial reputation unfairly. Your assistance in resolving this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states, a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make a consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable calls to believe that the information is inaccurate
Product: Checking or savings account

I am writing to report fraudulent activity that has impacted my financial situation. Around XXXX XXXX I unknowingly submitted a fraudulent check to Bank of America that was sent to me by a scammer named XXXX XXXX who reached out to me for a paid modeling gig. I was very convinced that it was real and they sent me a check as an upfront payment and I unknowingly deposited it resulting in the closure of my Bank of America account. I have the emails from when I was first contacted to the name and address of the sender. I am fully committed to cooperating with any investigation and providing any necessary information or evidence. I kindly request that you keep me updated on the progress of this case and inform me if there are any additional steps I need to take.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, ACCT. NO. XXXX is reporting improperly, on Experian XXXX and XXXX credit bureaus.They are showing I owe a balance of XXXX after closing out a lease with payments made on time and in full.The problem stems from the dealer not updating XXXX XXXX online pay system when the dealer sold me on upgrading my lease to a newer car.The pay site had the old car but never did change when the upgraded car became mine.I had my family making the payment to the site as I was gone for 1.5 years.

Previously last XX/XX/XXXX.post dispute my credit reports said Paid and closed yet they left an extensive late history when the payment was never late.The errors are XXXX and the dealers but I should not have my credit history destroyed for their errors.I would like the account deleted from all credit bureaus.
Product: Debt collection

On XXXX, my son XXXX XXXX had a visit to an emergency room in XXXX XXXX. XXXX was born on XXXX. XXXX has " XXXX  XXXX  '' insurance ID XXXX. After a while, I received a bill from the hospital for {$1200.00}. I contacted the insurance company, where they told me that XXXX 's visit was paid in full, and if the hospital has questions about payment, then they should contact them, because it is illegal to demand that we pay again. In a few months I received a bill from a collection agency " AR Resources inn " in the amount of {$1200.00}. Several times we contacted the agency, explained the situation, and also left a complaint with CFPB, to which there was a response from the collection company that they would send me all the papers confirming my debt. However, I haven't received anything up to this point. Instead, the collection company made " Derogatory marks '' in my credit history. I again contacted the insurance company, where they once again confirmed that the bill had been paid, the claim number was XXXX, and they also informed me that the money had been withdrawn from the hospital 's account. Based on the above, I think that there is a fact of fraud, because they are trying to collect XXXX $ from me again
Product: Credit reporting or other personal consumer reports

The company provided information but it is wrong. 
Please update my personal information and provide copy of the update. 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Debt collection

On XX/XX/XXXX National Credit Adjusters was listed on my credit report showing collection for late payments dating back to XXXX and a balance of & XXXX. On XX/XX/XXXX I sent them a debt validation request. On XX/XX/XXXX I received a response showing the original creditor as XXXX for a debt created on XXXX XX/XX/XXXX. I lived outside of the XXXX from XX/XX/XXXX until XX/XX/XXXX working and living in XXXX, XXXX, and XXXX XXXX, XXXX. Upon returning to the XXXX in XXXX, I recalled sending Speedy Cash a copy of my passport showing that I NEVER applied for any loan. 
The validation information sent from National Credit XXXX does not contain my signature, correct address, or banking account, nor an agreement showing how they became a creditor. I have filed disputes with credit bureaus and they all returned as a valid debt.
Product: Debt collection

Santander was under litigation between XXXX which my account falls under.I want to dispute this account for deception due to ligation of predatory lending practices and was settled and the company was found at fault.This account is a charge off with a balance which is incorrect. 
I never received an IRS form to write this account off for a sold account from santander and reporting a balance and not the amount the car was sold for.Inaccurate information.By law, this is a violation of my consumer rights.
Product: Student loan

In XXXX 2016 I started to become ill back-to-back. I began missing work. My XXXX missed an XXXX I found out I would need XXXX which would be expensive even with my insurance. I called XXXX XXXX and XXXX to see what my options were as I would not be able to afford both at the same time. My loan payments almost XXXX XXXX or more with navient. I explain to them the situation and was on the phone for an hour being bounced around departments because nobody could help me because my loans were not currently late. no they 're not late I 'm trying to avoid them being late and ruining my credit. Finally I in tears spoke to a woman named XXXX on a crisis team who told me she could not help me because they were n't late but she said that I should just take 3 months to save my money not answer the phone when they called and as long as I did n't go over the three months my credit would not be harmed. This was false. I have a ton of late charges and it has been reported to the credit agency. My main complaint is that navient would not work with me until my loans were late and they still are not offering any help. I am a single person there is only XXXX income and I have been ill. My loans have stayed up to date until this issue and navient was unwilling to work with me. They literally word for word told me that they could not help me because I was not late yet when I asked about getting lower payments or anything like that they said they could not look at that until I was late when I explain my hardship about my tooth and my illness they said they could not offer me any help my loans were still due at the full amount
Product: Debt collection

I recently examined my credit report and identified numerous accounts that appear to have been added without my awareness.
Product: Mortgage

In your attached letter dated XX/XX/2023 you included a copy of the mortgage but you failed to send me a copy of the note can you please forward the note
Product: Credit reporting or other personal consumer reports

I have had my identity stolen and Im trying to clear up my credit report and the hospital has my insurance but didnt claim it under insurance I have called them numerous times
Product: Bank account or service

I email chase and ask them to explain why my payment due for XXXX/XXXX/2015 were marked " corporate advance paid. '' I also asked Chase to change " corporate advance paid '' to " payment '' to reflect my payment to them. They refuse. XXXX XXXX of Chase response was : '' On XXXX XXXX, 2015, we received your payment of {$32.00} and applied that payment towards your corporate advance fee on XXXX XXXX, 2015. '' I am confuse about this term they are using since I do not know what it meant and if my payments are debited correctly. XXXX XXXX, 2015, started my new payment since my mortgage is " interest only. '' The website has not changed the old amount ( {$720.00} ) to a new one $ ( XXXX ) so I paid my mortgage {$720.00} short by {$32.00}, but paid it on XX/XX/2015. My payments were marked as " corporate advance paid '' as shown here:XX/XX/2015 PAYMENT $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE PAID $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE - $ XXXXXXXX/XXXX/2015 PAYMENT $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE PAID $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE $ XXXXXXXX/XXXX/2015 ARM ADJUSTMENT {$0.00}.
Product: Debt collection

Bitt and Gaines, P.C. for XXXX XXXX XXXXXXXX XXXX, account number ending : XXXX, wasn't supposed to pursue a lawsuit because they did not properly validate the debt by providing the requested information, which is a violation of my ( FDCPA ) rights. I requested by fax validation of debt on XX/XX/XXXX. 

Request production of documents through the court on XX/XX/XXXX, and the judge requested an additional 30 days on XX/XX/XXXX. Blitt and Gaines told the court that paperwork was sent on XX/XX/XXXX. I still have not received their documents.
Product: Prepaid card

the California XXXX XXXX XXXX notified me by mail on XXXX that they were changing the way they distribute available funds to claimants. They were changing from a Bank XXXX XXXX prepaid debit card to a Money Network prepaid card. On XXXX I received an Informed Delivery notice from the XXXX that I would receive an envelope from Money Network, but it wasn't delivered with the rest of my mail. I waited until the next day to see if it would arrive, but it didn't. That day and the next I checked with my neighbors to see if they accidentally received any of my mail, but they said " no ''. I called Money Network about this, and they said my card was activated and the available funds were withdrawn on XXXX, at a XXXX XXXX, transaction # XXXX. I told them, I never received the card and the withdrawal wasn't by me. They immediately closed that account and issued me another card to prevent future fraudulent withdrawals. I'm currently in the process of trying to recover my money with " Money Network '' via a dispute process on that unreceived prepaid card. 
I went to my bank, XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, California XXXX, to seek help in this matter, they referred me here, to file a claim.
Product: Debt collection

I paid {$9000.00} out of a   XXXX   to " settle '' a debt. They lied and said it was not settled because I owed {$9200.00}?! I would have given them {$9200.00}. At the time I paid the {$9000.00}! They say something different every time and I foolishly did not get something in writing  1st.
Product: Credit reporting or other personal consumer reports

I spoke with someone on the phone who told me if my insurance got a check sent over for {$6000.00} then my payment wouldnt be late when the car was totaled. The check was sent over AND received but they still marked my credit XXXX days past due. It has been unfair speaking with XXXX and they dont seem to comprehend it very well that the amount is supposed to go to any past due balance before anything else. They are holding us XXXX with late payment reports so we wont be able to get another loan through another company. We called XXXX and each time we were told it would be fine. They have done stuff like this consistently and its honestly hurting my credit score. The car was totaled out and our insurance got them XXXX owed within days.
Product: Credit reporting, credit repair services, or other personal consumer reports

today XX/XX/2022 i recieved a letter in the mail from Ally Bank in regards to a NOTICE OF REPORT OF NEGATIVE CREDIT INFORMATION, about Account number XXXX, Ally Bank is in violation of 15 USC 1681, and 15 USC 1682.

a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Ally Bank does not have the right, or my permission to report to the credit bureaus and has again caused me harm and owe me damages