23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was moved to Round Point Mortgage via XXXXXXXX XXXX  in XX/XX/2021. It took 2+ months of dealing with them to just get a simple biweekly payment schedule setup and multiple times talking to them for hours and being told it would be corrected then it was not. I then made a complaint on CFPB and a customer advocate actually helped out to get the biweekly process started, so I thought. I know come to see that my biweekly payments are not being processed as I was told when I sent it up. Screen shots and emails are in the attachments. 

This scam company is try to stop me from paying off my mortgage sooner not allowing me to utilizing a biweekly pay format to cut down on my principle. The setup below was finally created on XX/XX/XXXX and on XX/XX/XXXX my first biweekly payment was taken out. But it was never processed and put against principle like it was supposed to XXXX screen shot attached ). I request information from them over 48 hours ago and have still not heard back. I have called the advocate and every time I do it goes straight to voicemail. 

First biweekly : {$1400.00} normal payment + {$600.00} toward principal Second biweekly : {$1400.00} normal payment + {$600.00} toward principal Etc. 
For a total of 26 payments per year. 

The major red flag about this company is that you have to jump through such hoops to do the simplest of actions that most every other mortgage company has simple click of a button to get done on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX, XXXX XXXX Account # 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: Mortgage

Sates Attorney XXXX XXXX suggested I contact you. I have no idea if you can help us but I certainly hope you can. 

My Mom, XXXX XXXX, is XXXX XXXX XXXX and she has a mortgage. Since the inception of her mortgage she has continually paid her own property taxes and house insurance separate from her mortgage. About XXXX  years ago ( although I just recently found out about this ), Around XXXX of 2019, Mr Cooper bought my Mothers mortgage and we began paying them. She has an approx.. {$84000.00} mortgage at 2.65 %. She has always paid her own property taxes and house insurance separately. 

She has never missed any payments. 

Somehow Mr Cooper is stating they paid her property taxes and house insurance, even though she did all along, and that she owes them approximately {$11000.00} in penalties and fees. I contacted them and they are adamant about these fees even though every month her actual mortgage payment was around {$700.00} she paid them {$820.00} a month. 

This seem very predatory to me. She can not afford an attorney and we desperately need your help. Her property taxes around $ XXXX, Her house insurance is $ XXXX and Mr Cooper is telling me she needs {$9600.00} in equity. This is just wrong on multiple levels. 


Her address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX PIN : XXXX The mortgage company is : Mr. Cooper XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Tx XXXX Phone : XXXX Account Number : XXXX It seems they are trying to take her house and we really need your assistance. 


We ( Mr Cooper and I ) have been going back and forth on this and they sent me ( for my Mom a letter, PDF attached.. 

For XXXX  years. Mr Cooper did not claim her Senior Citizens discount so theyh overpaid her taxes by ~ {$4000.00} which I feel Mr Cooper owes my Mom. Please let me know if you can help. 

Thank You for Your Time XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see my attached documents..My name is XXXX XXXX XXXX and I am having some problems with inaccurate information showing on my credit. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine and are inaccurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Mortgage

My husband and I are both in our 70s and we  refinanced our home in XX/XX/2016. We had deferred property tax payments, but used that loan to pay the balance with the County. Deferred, not delinquent. 

We again deferred property taxes on our new mortgage so as to mitigate monthly budget issues. 

Our payment history is perfect. 

Ditech mortgage paid {$8600.00} to XXXX County Tax Assessor on XX/XX/XXXX. They paid Deferred taxes, not Delinquent. 

XXXX XXXX of the XXXX County Tax Assessor can confirm. He is at XXXX, and XXXX. 

Ditech refused my XX/XX/XXXX Payment as they adjusted it from {$1100.00} to {$2400.00}. 

My husband has had more than ten XXXX in the past year and suffers from XXXX. I lost the use of one of my XXXX due to a XXXX XXXX procedure two years ago. 

This will literally kill us. Please help!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

The account should be removed from report because it was opened in 2013. It's been past 7 years. The account has also been paid. The account is hindering me from obtaining housing, which is causing so much distress to my family. Please remove from all 3 credit bureaus.
Product: Debt collection

I mailed a letter requesting debt validation on the debt they are inaccurately reporting on my credit report. They have not provided proper documentation validating this debt or chain of assignments.
Product: Debt collection

Horrible company! I hav tried multiple of times over the past year to resolve this issue. This is NOT my debt! They keep calling and I keep telling them this is not mine. Ive disputed this through XXXX twice and they keep closing the dispute stating that its my debt. I am laughed at when I tell them its not my debt. Very unprofessional and rude. 

Take this off my credit, please! Identity theft, clearly.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against COLLECTION BUREAU OF HUDSON VA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY HAS BEEN STOLEN. THESE ACCOUNTS ON MY PROFILE ARE FRAUDULENT. THEY ARE CAUSING MY FAMILY A LOT OF UNNECESSARY HARDSHIPS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.
Product: Mortgage

The CFPB submitted my XXXX complaint against XXXX, them not allowing me to access my loan account on-line. CFPB here closed the file of such complaint allowing accepting XXXX response that-they XXXX saying they will not even entertain or answer the complaint because I did not have a my legal Representative my attorney XXXX XXXX XXXX, contact them to allow access, -so .... 
Obviously very so you guys here CFPB not doing your job letting them get away with such excuse for violations to federal laws. Nonetheless my attorney did advised and requested from the law firm XXXX XXXX, XXXX Fl, representing XXXX in my foreclosure case to allow my access to my loan account on numerous over XXXX times times now. XX/XX/2015/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/2015 and nothing yet for today still today XXXX XXXX 2015 I cant yet again access my loan account at XXXX on line. You guys here know why? dont be surprise obviously why yet again fraud by JPMorgan Chase Bank with XXXX by and through Fannie Mae Currently the record of my Foreclosure case, XXXX, Florida XXXX County Court XXXX Judicial Circuit shows that JPMorgan Chase Bank through XXXX authorized by government bank named Fannie Mae yet again once again in violation of the federal laws and violating XXXX XXXX District Court injunction decree to cease all the fraud and comply with the law or paid further greater penalties that could lead close down entity But no, you guys here not doing your job statutory mandated you must do. 
So come on lets do this and grab a hold of them, if not, then obviously you CFPB are allowing here fraud upon the people you guys part also of JPMorgan Chase Bank pack in the same plot.
Product: Money transfer, virtual currency, or money service

I'm 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 AN ADDRESS FRAUD ON THEIR PLATFORM LEAVING MY ACCOUNT VULNERABLE AND UNPROTECTED FOR THE MORE THE DISPUTE RESOLUTION PROCESS WAS UNFAIR AND DECEPTIVE IF THEY DID NOT COMPLY WITH ERROR RESOLUTION REQUIREMENTS UNDER THE ELECTRIC FUND TRANSFER ACT ( EFTA ) and regulation E. THESE ACTIONS HAVE CAUSED SIGNIFICANT INCONVENIENCE AND FINANCIAL LOSS, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three accounts listed on my Experian credit report that is falsely and inaccurately reported. I was never notified of a charge-off of {$3.00} from XXXX XXXX . I paid and closed the XXXX XXXX account in 2019, and I never opened an XXXX, XXXX account. These accounts have negatively impacted my credit, which has caused much emotional and financial hardship with violating the FRCA due to false representation, defamation, and more.
Product: Debt collection

Account Resolution Services ( ARS ) is violating my rights under the NO SURPRISE ACT of 2022. I have a medical bill that a provider is claiming is out of network which is not accurate. Furthermore, they are charging me without my prior authorization. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

The last weekly phi I received was on XX/XX/XXXX I filed for lost or stolen card and they never restarted my benefits again
Product: Debt collection

I am being called a minimum of 3 times a day from the same company. they are using XXXX different phone numbers.
Product: Mortgage

XXXX XXXX XXXX, specifically XXXX XXXX ( NMLS # XXXX ). I started an FHA streamline with XXXX XXXX over 8 months ago! Yes, it took this man the better part of a year to close a streamline refinance. 
I was lured in on one of those XXXX cash to close refinance ads XXXX had mailed out to houses in the area. Sadly, XXXX failed to complete my loan under the conditions he promised and my deal ended up changing MULTIPLE times. My cash to close went from {$0.00}, to $ XXXX~, to {$700.00} to over {$2000.00}. I was informed on THREE separate occasions we were closing ; those closing dates came and went, and not even a single peep from XXXX. At one point XXXX had failed to keep my loan active, so the lender cancelled and deleted my file entirely, yes, at month six we had to begin this process ALL OVER. 

During this entire process I maybe spoke to XXXX on the phone a handful of times ( he heavily preferred email/text ) and hed only ever call me to give me bad news. Right around month six, I received a call from him letting me know that the lender cancelled the file due to inactivity and we had to begin this WHOLE process over. I think, as most people would be I was furious, though, I stayed calm with XXXX, but I demanded answers. Well XXXX did not have any answers, and in-fact he yelled at me over the phone and tried to shift blame onto me. XXXX was completely unremorseful of the situation. He simply did not care. 

In the midst of all this, we were able to track down the VPs phone number, so we gave him a call. While XXXX is clearly, a well-educated and professional person he remained distant from the actual issue. The position he took was more of a coworker who had no power to discipline XXXX. However, we were told XXXX was yelled at I will say, XXXX explained more about my refinance, and lending in general in two limited phone calls than XXXX did in 8 months. I appreciated that. 

Finally, it is time to close. Documents have published and all I need to do is sign and wait the three days. But wait, my closing cost is showing as $ XXXX~. Well that is not right. Last I spoke to XXXX I was told $ XXXX~. I then received a phone call.. ( if you guessed it was XXXX, you win a gold star ). XXXX did indeed confirm the bad news, but said, I was going to make it right, you have my word. He instructed me to sign the documents so the clock could start and we could close. In my gut, I knew better, but at this point 8 months later, I just wanted this over. I signed the documents, and soon found out that XXXX was going to cut me a whopping {$500.00} check. Well thanks, after eight months of XXXX, multiple cash to close changes, failed closing this what their way of making it right. 

I proceeded to pick up the phone and call XXXX. As mentioned earlier, XXXX is clearly well educated and knows how to talk to people. While the phone call was uneventful, I did ask them to up the amount. XXXX was a master at dancing his away around that, but ultimately he revealed two things. XXXX does a lot of business for us and We have no fiduciary duty to you. So that explains why XXXX gets away with what he does, he makes them money so why possible harm that.
Product: Checking or savings account

In XXXX and XXXX, I attempted to purchase XXXX XXXX XXXX XXXX  tickets from two sellers who appeared legitimate, communicating with me via [ platform, e.g., XXXX XXXX ]. Before I sent the money, the seller provided me with what appeared to be legitimate confirmation emails, order numbers, and transfer details, all of which I later discovered were photoshopped and completely fake. 

Believing the transaction to be valid, I sent two payments via XXXX Cash through my Golden 1 Credit Union account : {$770.00} on XX/XX/year> {$400.00} on XX/XX/year> ( split into {$350.00} and {$50.00} transactions ) Shortly after payment, the seller became unresponsive. When I contacted the ticketing service, I was informed that the ticket transfer never existed. I had been deceived and scammed. 

I immediately reported the fraud to XXXX, Golden 1 Credit Union, and the Federal Trade Commission ( FTC ) and filed dispute cases with Golden 1. However, my claims were denied on the basis that I initiated the transactions ignoring the fact that I was tricked into sending money under fraudulent pretenses. 

I later escalated my concerns to a Golden 1 branch, but the manager stated they could not assist further because it was handled by another department. Their reasoning for denying my dispute was inconsistent with standard fraud protection policies. Had someone stolen my account details and made these payments, Golden 1 would have responded differently. However, because I was misled into sending the money, my dispute was dismissed despite this being a clear case of fraud.

I am requesting that Golden 1 properly investigates this claim and reverses the transactions. I am attaching all supporting documentation, including my denied dispute claims, appeal letter, communication with the scammer, and evidence of the fraudulent emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes with XXXX  and XXXX to have the account removed early via early exclusion. The creditor then updated the account status to only show that it was charged off and subsequently removed all late payments and on time payments. An account CAN NOT BE charged off if there were never any late payments. I have screenshots of previous reports. I have reached out to XXXX, XXXX, and Kohls ( capital one ). Capital one has said they are unsure why the payment history changed and are opening an internal investigation. This account is going to be falling off in XXXX and XXXX based on what dates each credit reporting agency has. I would ask that capital one or kohls please allow early exclusion of this as Im in the middle of a getting mortgage and the careless and frankly shockingly alarming error that Kohls ( capital one ) has made here has tanked my score by XXXX points for my regular XXXX  score and almost XXXX points for my mortgage score. If they didnt want to approve it being removed early via early exclusion then they should have simply said that and not tried to fix something that wasnt broken in the first place. This is going to mess up my entire mortgage application and Id like this fixed by either putting the payment history back to what it was or by removing this account from my report all together. Im not sure if at this point putting the payment history back to what it was would even remedy the amount this has tanked my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two Fridays ago today I was wrongfully " Denied '' a loan because of some unknown negative credit entry on my " Trans Union '' credit report. I immediately contacted " Trans Union '' to have them mail me my " Free '' copy of my " Trans Union '' credit report. They said that they would However, here it is 14 calendars later and I have still NOT received in the U.S. mail my " Free '' copy of my " Trans Union '' credit report per the Federal law called the " Fair Credit Act. ''
Product: Debt collection

On Thursday, XX/XX/2024, at XXXX XXXX  PST, I received a phone call from Allied Interstate, a debt collection agency, using the number XXXX XXXX. This call was marked as " Potential Spam '' on my device. As a resident of California, I am aware that both federal and state laws regulate the permissible hours for debt collection communications.
Product: Checking or savings account

Subject : K-1 statements Have received three letters from Wells Fargo explaining that they had a system error and that the K-1 statements would not be sent until they were satisfied that the data was correct. First letter received mid XX/XX/XXXX, second received mid-XX/XX/XXXX and just received the third letter yesterday, all saying the same thing. In the mean time, all tax filings are being held up until these statements have been received. Wells Fargo is incapable of providing any meaningful data about how long this process will take. In addition, they have not disclosed process for late payments or penalties incurred as a result on taxes due to their inability to provide the proper information. My guess is that hundreds, if not thousands of other Wells Fargo customers have been left to hang out to dry while we all await for some meaningful data to resolve this issue. Lack of accountability seems rampant in this organization! Anything you could do to help would be appreciated by me and hundreds/ thousands of others as well.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : 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