23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I assumed a loan from PHH mortgage. The original loan amount was XXXX. I assumed the loan in XXXX, at that time the insurance changed from XXXX to XXXX It was part of closing, the amount of the payment changed also, It was appx. XXXX. I began to pay an even XXXX In XXXX the mortgage company sent out an escrow statement indicating that I had a shortage because the insurance had changed. The insurance did not change in XXXX. The amount of the payment had already changed. They then asserted that the payment would be XXXX. I disagreed and requested they audit the account. The change in the insurance was appx XXXX and had been included in the closing and the payment of the loan so any shortage was a mistake on their end. Also, a XXXX change would not initiate a XXXX, which is indicated if the amount of the monthly payment is changed by XXXX as they assert. Their response was that their analysis was the audit, it was right, and there was no need for an additional audit. They then began calling the previous borrower that the loan was assumed from regarding this issue instead of working with me to resolve it. They sent me a letter of default indicating that the mortgage is behind two payments which it is not. I contacted them again, and they said they will initiate an audit for XXXX but can not halt the change in payment until the audit is done because they are sure that it is right.
Product: Debt collection

I received a message from a person who identified themselves as XXXX XXXX on XX/XX/XXXX. I had received notice from XXXX friends of mine that were listed as references that they had each requested information on my whereabouts who I no longer talk to. The representative called me the next morning and would n't identify the company they were representing until I verified personal information. They then indicated they were representing the company XXXX XXXX Loans. In XX/XX/XXXX I had taken out a small loan to support myself XXXX This condition has proven to cause further complications due to the continuous stress that 's been brought on due to my inability to be able to work my full-time hours. My doctor can clearly submit any paperwork needed stating this information. At this point, in order for my condition to improve anything that provokes stress in my life has to minimal in order for me to improve and receive repeated phone calls regarding this matter. The person identified themselves as XXXX XXXX from Kramer and associates law firm at phone number XXXX. I very much appreciate your assistance on this matter.
Product: Mortgage

Since XX/XX/XXXX XXXX is no longer involvement with my loan, now in XX/XX/XXXX XXXX transfer my loan to PennyMac Loan Services. I want to know who is my bank, also I need the Holders of the note in date courses for XXXX and PennyMac loan services.
And notorarize all the documents with perjury of witness signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have these fraudulent accounts removed in XXXX of 2022 and now there's more accounts and inquiries.
Product: Mortgage

We refinance our loan with XXXX XXXX. Balance of escrow for {$890.00} ( due by Chase ) was never received. We called ( with my Broker ) Chase Mortgage customer service around XX/XX/XXXX and were told the check has been sent on XX/XX/XXXX to our personal address. Not received. We called again on XX/XX/XXXX and were told a check has been re-issued on XX/XX/XXXX and sent again to the same address. Not received. Desperately, we asked for a new check to be sent to our business address. Not received.

While looking for a solution we asked the check to be sent by registered mail, or to a Chase branch in XXXX or XXXX for pick up. We also asked for a bank wire to my XXXX XXXX account. Chase declined our requests.
Product: Checking or savings account

Paypal emailed me saying that my account... 

We strive to provide our customers with seamless and user-friendly payments solutions. Unfortunately, sometimes we can't process activity for a variety of reasons, including local laws, our policies, or the policies of our partner banks and card networks. 

Based on the information we have today, it looks like customers were dissatisfied with activity from this business. 

Last time I received money on my account was XX/XX/2022 selling physical cards to a person in the US. They closed my account and refuse to open it and said it was for reasons that I am not party to.
Product: Debt collection

I am sure that I have already paid this debt. I had gone to exhaustive measures to pay all the loans I had ever taken out several years ago and have not taken any loans out for many years. 
They say this debt was from XX/XX/2012. I know that a few years ago, after XX/XX/2012 but I'm not sure what year I paid everything because I had the money to and I knew I probably wouldn't get another chance. Since then I've had continuous phone calls and debt collections activities target me because of what I believe to be what is called " Zombie Debt. '' These collectors will send phony letters or even try and collect on legitimate past debts that has already been paid. I called a lawyer and they told me to come here but that the CFPB has been gutted by Trump. 
If you know of a good lawyer then email me their info because I would rather pay thousands to a lawyer now to make this stop than keep paying these XXXX every time they want to exploit me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of these violation
Product: Mortgage

Loan modification/loss mitigation options are denied because lender states they have not received the requested documents. The requested documents were repeatedly submitted. The last date consumer submitted the documents to lender was XXXX XXXX, 2015. Additionally, lender repeatedly asked for letter from former employer stating consumer is no longer employed despite having a letter from the consumer stating she is no longer an employee of the company and a Notice of Separation from Consumer 's state 's XXXX.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am compelled to formally address the ongoing and unresolved issues concerning the freeze on my Coinbase account ( case # XXXX ). Despite my compliance with all your requests for additional documentation and information since XX/XX/2024, my funds remain inaccessible with no justification provided for this delay. This protracted situation has caused considerable financial and personal inconvenience. 

Detailed Timeline of Events : XX/XX/2024 : Initial contact from Coinbase Compliance noting missing or outdated XXXX  information, with a request to update this within 15 days to avoid restrictions on my account. 
XX/XX/2024 : I responded comprehensively, detailing my previous occupation at XXXX XXXX, explaining the origins of the funds as my savings from employment, and attaching relevant payslips through XXXX. At this point, I was no longer employed and unable to provide recent employment verification, as detailed in my reply. 
XX/XX/2024 : Additional documentation and clarification were requested by your team, to which I responded with the required information, including a repeat submission of my payslips and bank statements. 
XX/XX/2024 : Further clarifications were provided concerning transactions queried by your compliance team. 
XX/XX/2024 : Submission of additional documents as per your request, including an electricity contract and screenshots. 
XXXX to XX/XX/2024 : Multiple follow-ups were made by me seeking updates, with minimal and non-substantive responses received from Coinbase. 
Principal Concerns : The ongoing request for documentation, which has repeatedly been provided in full, suggests a systemic issue in your review process. Furthermore, the lack of effective communication and transparency in handling this matter contradicts the values purported by Coinbase. 

Demands for Immediate Action : Immediate Review and Release of Funds : I demand a thorough review of my submitted documents and an immediate resolution to the freeze on my funds. 
Detailed Explanation and Timeline : I request a detailed account of the reasons for the ongoing account freeze and an explicit timeline for the resolution. 
Compensation for Losses : Given the significant inconvenience and potential financial repercussions of this delay, I seek fair compensation. 
Assurance of Non-Repetition : Measures must be implemented to prevent such occurrences in the future, ensuring that customer issues are resolved in a timely and transparent manner. 
I am prepared to take further actions, including legal recourse and contacting regulatory bodies, if this matter is not resolved promptly and to my satisfaction. Please respond within five business days with a detailed action plan and resolution strategy. 

Thank you for your immediate attention to this serious matter. I await your prompt and decisive action. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the account that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance Owed : {$50.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on the proof of payment history and any documentation that this account belongs to me. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This is the account that still erroneously reporting on my credit report : SUNTRUST BANK XXXX Date opened XX/XX/2016 Balance-
Product: Checking or savings account

On XX/XX/XXXX, I used online chat to request to transfer fund of my CD ending XXXX, which is due on that day, to my checking account. 
But on XX/XX/XXXX, I found that the other CD ending XXXX, which maturity date is XX/XX/XXXX, was closed on XX/XX/XXXX. I inquired via online chat right away and the bank admitted that an error took place on the back end, and someone from our processing team mistakenly closed the CD ending in XXXX. I requested the bank to reverse the unauthorized transaction. They stated that they couldnt. So I requested for a reasonable solution. My request is easy. I dont want to lose any interest cause I expect to hold the CD till maturity date, which I always did. 
XXXX, manager of their XXXX XXXX XXXX called in few hours and said they can credit me {$8.00} for the interest during XXXX XXXX. He didnt even mention that the bank has charged me a CD early closure penalty for {$81.00} until I asked. Upon I request, they credited 2 days interest and penalty right away. However, I still lose the interest I should have gained from XX/XX/XXXX to XX/XX/XXXX if the bank didnt mistakenly close the CD. XXXX stated that they can not credit future interests. So I ask him to find an alternative solution or instrument that can compensate for my loss. The interest rate of the CD is 2.47 %, APY 2.5 %. Of course, theres no such high yield CD now. So he said he will try to find out a solution. 
I waited till XX/XX/XXXX and got no response so I inquired via online chat again. After a 1.5 hours wait. The representative told me the case is closed and I will not be able to get any further funds. In the end she/he even stated that Upon reviewing I see that it was requested from your end for the account to be closed and transfer the funds to checking account. Obviously the prior 1.5 hours she/he didnt understand the whole picture of the case, which is totally wasting my time. 
I've attached the online conversation on XX/XX/XXXX and XX/XX/XXXX and highlighted the main points.
Product: Debt collection

According to the FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ), PORTFOLIO RECOV ASSOC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit card

On XX/XX/24, I got an email from XXXX about a new credit inquiry from Capital One on XX/XX/24. I did not authorize Capital One for this inquiry. After calling Capital One, a new credit card account was opened under my name/address/SSN. This was not me, thus fraudulent.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting an account to my credit file with a balance that it should not have. This debt is paid off and I need the entire account removed or updated to show a good account.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute to the Consumer Financial Protection Bureau ( CFPB ) concerning inaccurate address information reported on my Equifax credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting the removal of the following incorrect and inaccurate addresses that are not associated with me and do not reflect my current or previous residence : 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. Under 15 U.S.C. 1681c ( a ) ( 5 ), credit reporting agencies are required to ensure that obsolete or inaccurate address information is excluded from consumer reports. The inclusion of these incorrect addresses violates my rights under the FCRA, as they are misleading and could adversely impact the accuracy and fairness of my credit report.

Additionally, under 15 U.S.C. 1681e ( b ), Equifax has a legal obligation to follow reasonable procedures to assure maximum possible accuracy in the preparation of consumer reports. By failing to remove incorrect address information, Equifax has not complied with its statutory duty to maintain accurate and reliable information. I request that these addresses be promptly removed from my Equifax credit report and that I be provided with a corrected version of my report. Furthermore, I ask that Equifax provide a detailed explanation of the steps taken to verify and remove this inaccurate information as required under the FCRA. Please address this matter urgently to ensure compliance with federal law. I appreciate your assistance in resolving this issue and look forward to a timely response.
Product: Credit reporting or other personal consumer reports

I would like to request any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XX/XX/2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report
Product: Credit reporting or other personal consumer reports

I have never signed a HIPPA release form with the following alleged creditor : Alleged creditor : XXXX XXXX XXXX XXXX balanced owed : {$590.00}. 
Alleged agency : XXXX XXXX XXXX XXXX Therefore, these are inaccurate, HIPPA violations and I want this immediately deleted. HIPPA laws protect my personal medical information from being used without my concern and you are now aware of this HIPPA violations. Delete immediately.
Product: Credit card

Recently I applied for bank of America credit card and requested to balance transfer to my other credit card which they offered good interest rate amount {$8000.00} but they gave me {$5000.00} limit and refused balance transfer. I used my different credit card to transfer balance. After 10 days when I received my new bank of America credit card yesterday I received email that they transferred {$3800.00} to my credit card and charged me the transaction fees, I called them requested them to reverse the transaction as I already transferred from my different credit cards. Only words I heard from bank of America were sorry, sorry they made the money, this is how they treat they customers I have account with bank of America for the last 30 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX XXXX prior to moving overseas. I turned the equipment in and received a yellow slip confirming my return of the equipment. I satisfied the remaining balance and the company sold the account to XXXX, XXXX. I've disputed this account with my credit bureaus and the company continues to come back saying the information is correct. I have no account with XXXX and have asked that they provide a signed agreement between their company and me if they will continue alleging this is a valid collection. 

XXXX XXXX XXXX XXXX  : They've charged off my account, but haven't given any information on what to do next. I called each month in 2017 asking where to pay my balance and was told the company charged my account off and they couldn't take payment to settle the amount shown as owed. It still shows as a balance due and I don't have the title. I've not been given options to satisfy the account. 

Cash Call : This is too old to be on my report. It was discharged in Chapter XXXX Bankruptcy 4 years ago and has inaccurate data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a temporarily suspended license due to a traffic ticket. It has been cleared with the justice court of XXXX, but the DMV hasn't updated their information and it is still pulling suspended when my license is no longer suspended. DMV told me it will clear, but it may take a few weeks because it was their mistake. I have a copy of a clearance letter from the justice court saying my license is not suspended. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect or fraudulent names appear on my credit reports. 
My correct name is : XXXX XXXX XXXX All other names should be removed.
Product: Checking or savings account

XX/XX/2021 - I was the victim of a scam via Cashapp ( three {$200.00} transactions ). I immediately ( within 30 minutes ) reported the fraud and cancelled the card. Cashapp was made aware of the problem but did not take action nor did they refund my account. They simply sat on the issue until the XXXX and refused to refund the account because " the transaction was already completed. ''
Product: Credit reporting or other personal consumer reports

There are several credit inquiries that I did not approve of in my report and I feel violated.
Product: Credit reporting or other personal consumer reports

There's an item on my credit report that was caused by fraud, and I didn't benefit from it in any way, yet it's still showing up. Despite this, you're continuing to list this false and misleading information on my credit report. It's really frustrating and feels like an attack on my character. Its causing me a lot of stress knowing my rights as a consumer are being ignored. I've already reported it to the Federal Trade Commission, but so far, nothing has been done to remove it.