23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was transferred/sold to Mr. Cooper from another lender. They make it extremely difficult to set up bi-weekly pymts. It's hard to find how to do it. Then once you find it, it's like an act of Congress to get it set up. They require that you are paid way ahead on your mortgage, then do not respond once you send them the required information and documentation. I did everything they required... I filled out their form completely that they required to set up every-two-weeks payments and emailed it to them on XX/XX/XXXX. Their form specifically says fill out ACH instructions " or '' provided a voided check. I filled in ACH instructions. However, I then received an email back saying they needed a voided check, so the same day ( XX/XX/XXXX ), I also emailed them back with a voided check and I made an additional payment online to 'pay ahead/in advance ', like they required. However, they failed to set up the bi-weekly payments, and then sent me a notice that my payment was overdue. I no longer had auto-payments set up, because they REQUIRE that you also halt your auto-pymts before they will process a bi-weekly payment request. It seems like a racket to make it impossible for consumers to set up a payment plan that is advantageous to the consumer, like a bi-weekly payment plan vs. a monthly mortgage payment, since a consumer can save a lot of money in interest by paying off their home by making half-payments every 2 weeks vs. the amount of interest ( profit ) that lenders get from consumers who only make one payment, once a month. I have emailed them again, but have not received a response. However, they are sure " on the ball '' with sending me marketing emails and mail for additional products to make THEM more money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX  XXXX  XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Vehicle loan or lease

To whom it may concern, I got into an auto accident on XX/XX/2021. 
The insurance company paid my leased vehicle for total loss. They paid {$31000.00} to pay off the car. 
According to the lease agreement I signed on XX/XX/2021, I paid a single payment of {$21000.00} in advance for 36 months contract. The residual value is {$19000.00} and the disposition fee is {$400.00}. 
I believe the amount of {$31000.00} Kia Motors Finance agrees to release and transfer all of its rights is too much for me as a consumer. 
I understand that this is early termination and that there is a 24-month contract left. However, I paid a one-time payment that is a large amount of money in advance for a 36-month contract period and did not consider it at all.

I contacted

them and they said they had every authority over the amount because the owner of the car was them and I was the borrower.

I have not received any documents from Kia Motors Finance regarding this and have not been notified of the progress. I contacted them and asked for it, but they were rejected, and I can't agree with their decision at all.
Product: Mortgage

Dear Sir : I am writing to you out of desperation. On XXXX of this year, the company XXXX, the company name for Shell Point Mortgage purchased my mortgage from now defunct XXXX. The only problem is that I was not informed of the change until XXXX. I received my formal welcome in XXXX after one employee did admit that there were multiple issues with the welcome letters due to the volume of now mortgages. I made my payment on time to XXXX in XXXX and proved to Shell Point with a bank receipt that I did so.Shell Point is insisting that XXXX send it back but can provide no proof that they did. Instead they are forcing me to provide multiple month statements of my bank records as if I did something wrong. I do not have anything to hide but I do believe that my privacy overrules the companies lack of evidence and acting like a bully. I am not applying for a mortgage but the company is insisting that I must provide more information. In the months that followed, My credit rating was demolished and attempts to purchase other rental properties were unsuccessful due to my new low rating. I made multiple attempts to contact XXXX XXXX with both phone calls and emails and the results were not positive. Multiple robocalls, with some on vacation even though I did not release my phone and in XXXX instance I was threatened by a by a XXXX XXXX to hold my credit rating hostage until I provide this information.I sent an email pleading that I am not a litigious person and wished to only to correct my credit rating and ask for a copy of the receipt from XXXX showing that they returned my XXXX payment. I have talked to two different lawyers that all agree that your company is treating me unfairly but that the legal costs would out-way correcting this issue. My request is simple, could they please review their company 's actions, send a copy of the returned payment from XXXX, and repair my credit rating.I am at my end
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report with all XXXX  credit bureaus and noticed inaccurate personal information and addresses. I have requested to all XXXX  credit bureaus in writing verify through certified mail received request over 60 days ago ( XX/XX/2024 )
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy and validity of the charge-off account reported by XXXX XXXX on my credit reports with Equifax, XXXX, and XXXX. This account is reported with a balance of {$1600.00}, a credit limit of {$2000.00}, and an open date of XX/XX/XXXX. It also reflects a closed date of XX/XX/XXXX, a current status of " Charge-off, '' and remarks stating " Profit and loss write-off. '' Additionally, the account indicates a past due amount of {$1600.00}, with the worst payment status reported as 90-119 days late, and payment history showing 43 % of payments made on time. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am exercising my right to dispute the accuracy, validity, and completeness of this account. I demand that XXXX XXXX provide a copy of the original signed contract containing my full signature and Social Security number to validate this alleged debt. Furthermore, I challenge the accuracy of all account details, including the balance, date opened, date closed, charge-off status, amount past due, credit limit, and payment history. Without adequate documentation to verify these details, this account must be deemed unverifiable and removed from my credit report. The reporting of this account also violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of information. The discrepancies in the reported data and the failure to provide substantiating documentation demonstrate clear violations of my rights under the FCRA. As such, I request the immediate removal and deletion of this account from my credit reports. Failure to resolve this matter may result in further action to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received an alert about an account being reported by XXXX XXXX. Please be advised I have requested validation { not verification } of an item reported to XXXX, Transunion and XXXX by XXXX XXXX. I have received a response that clearly violates my rights according to the HIPAA Act of 1996 AND I never received notice how to dispute the debt. Additionally, XXXX XXXX did NOT provide me a HIPPA release for my medical information, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX should this item not be deleted within the required time allowed by law. XXXX XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$10000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a removal of the reported information expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX and Experian 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose this XXXX XXXX credit card is open in fraud and needs to be immediately removed from my credit report Due to violating my consumers rights in a means to pursue legal judgement I never gave permission to report this fraudulent activity on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice sent to you because you have violated my federally protected consumer rights, beginning with my right to privacy, which you have failed to respect as your grave responsibility as a consumer reporting agency as a result of my creditworthiness. Credit capacity and character reputation have been severely harmed, resulting in emotional distress, marital instability, and financial losses. You are also in violation of 18 USC 1028a, aggravated identity theft, by furnishing a consumer report containing specific factual nonpublic private information without my written consent ; and 15 USC 1681b ( a ) by furnishing a consumer report containing specific factual nonpublic private personal identification information without my written consent ( 2 ). According to 15 USC 1681c, a consumer agency must block the reporting of information in a consumer 's file that the consumer identifies as information resulting from an alleged identity theft no later than four business days after the date of receipt by such agency ( 2 ).

You were not provided any written instructions about furnishing items on my consumer report, which is a violation of 15 US C 1681b ( 2 ), which states that a consumer reporting agency may furnish a consumer report only under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it relates. 
You were not provided any written instructions about furnishing items on my consumer report, which is a violation of 15 US C 1681b ( 2 ), which states that a consumer reporting agency may furnish a consumer report only under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it relates.
Product: Checking or savings account

on XX/XX/2019 and XX/XX/2019, I deposited checks I received into my account. I waited for the checks to clear to make sure they were legitimate. the checks cleared and I used the funds. the first check was then returned unpaid & the second check was returned to the sender after it had already been cleared and a portion of it was used by me. is this legal. I talked to the bank but nolt getting any satisfactory answers.. the amounts were XXXX and XXXX. its causing a lot of mental, physical & emotional stress to me & my wife. can you help me resolve this.
Product: Mortgage

My mortgage is with Suntrust/Truist. In XXXX of last year, I requested forbearance and it was granted for six months ( email confirmation received XX/XX/XXXX ). After a couple of months, my father offered to pay for a bit to help me not incur penalties at the end. However, as we were approaching the sixth month of forbearance, I told him I didn't want him to keep assuming that burden. I mention this because the payments during the first six months were intentional. 

Suntrust/Truist called me in early XXXX and asked if I wanted to extend the forbearance ; at that time I hadn't made a decision and would call them back. Later that month, I called, requested, and was granted an extension of three months ( XXXX ) and received a confirmation email on XX/XX/XXXX. In XXXX, I called and requested the final three months ( XXXX ) and received a confirmation email on XX/XX/XXXX. 

When recently reviewing my bank statements preparing for taxes, I suddenly realized that Suntrust/Truist had reinstated payments in XXXX and had been drawing payments since the end of the first six months, even though my forbearance was extended ( {$2300.00} for XXXX, XXXX, XXXX, and XXXX ). Today XXXX spent close to THREE hours on hold or talking to a total of SIX different representatives, the first five who said they weren't the right department and the sixth said I had called them in XXXX and asked them to reinstate payments ( not true ). When I told her that wasn't true, explained the fallacy in that statement ( why would I reinstate automatic payments when I was requesting forbearance?! ) and asked her to prove it with the recorded phone call audio ( since they record all calls ), she put me on hold for another 15 minutes and then hung up on me.
Product: Credit reporting or other personal consumer reports

It has already been listed in the report please take notice of pass due reports nothing has changed with the exception of laws that was broken and not mentioned that Congress passed. But They will be listed in this report.
Product: Money transfer, virtual currency, or money service

Opened Venmo account XX/XX/XXXX. 
My brother transferred {$1100.00} into said account. On Monday XX/XX/XXXX my bank account was verified, hours later my account was frozen for failure to abide by terms and agreements, when I call customer service they have no answers.. on XX/XX/XXXX I got an email requesting my bank statement, it has been 21 days now and I havent gotten my money yet. I am stressed financially and was borrowing this money to begin with.. now I feel I have put precious information out on the web because of this app
Product: Checking or savings account

I had opened my new account at Citibank on XX/XX/2021 @ XXXX AM CST and made the required deposits. I then started to move my money over from XXXX XXXX to start the transition to Citibank. The following day XX/XX/2021 or so I needed access to my funds to get food for my children and was greeted with a message that my account had been restricted for security reasons and for assistance to call and provide the error code XXXX never receiving an email in regards to this issue. When speaking to the agent and providing security information I was told that I could not be helped and needed to be transferred to another department after being on the phone for over 30 minutes. I then escalated to a manager for assistance just to be transferred to another department. When the agent picked up the line and reviewed account I was told that she could not assist me and that I needed to dial another number and press options 2 then 5. After spending over a day to get in touch with a department that was supposed to be able to resolve the issue I was told yet again that there is nothing they can do and I have to wait for 1 to 2 hours to receive a callback. No phone call received and I call again on Monday XX/XX/2021 @ XXXX AM CST spending yet another pointless 33 minutes on the phone I still not get the help that I should be getting. This bank should not be in business if this is how they are going to treat their customers. All I want to do at this point is put it on record how I have been treated with Citibank and I want my account closed and money refunded back to me.
Product: Money transfer, virtual currency, or money service

I bought several different crypto currencies from paypal. I had a seller and buyers dispute that I filed a complaint about during covid19 because paypal and XXXX had poor customer service. Specifically during this period there was no telephone support. I filed XXXX  and cfpb complaints to get answers. Paypal got angry and retaliated by advising they would be closing my accounts. Additionally they said I can not use paypal. They refuse to refund me my cryptocurrencies that have since increased in value. I am pretty sure both cancelling my account and holding the cryptocurrencies is illegal. I also did not receive any tax documents from paypal for this yet and is also illegal for them to do. Please assist me in holding paypal accountable for the held cryptocurrency issue. I had cryptocurrency for both my business account under email XXXX and my personal email : XXXX. they allow seperate accounts for each. They close all these accounts and another personal account XXXX. i expect a list of all cryptocurrency transactions mailed to me for taxation purposes. I also want the company to give me back my cryptocurrency holdings on all accounts.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 at XXXX, pacific time, I cashed out using CashApps instant deposit feature, {$2500.00}, to my XXXX Account, card ending XXXX. Once I finished the transaction, I instantly logged into my XXXX account hoping to see the transaction finalize with the {$2400.00} in the XXXX account, and it had not went through. After about 3 business days of calling both XXXX and CashApp, I had been made aware of a newly imposed deposit limit of $ XXXX XXXX, not allowing for the transaction to go through. Though the transaction shows it was successful, the deposit had not been. I have yet to see my funds since depositing then from cashApp to XXXX. Neither of the two companies claim to have my {$2500.00} or {$2400.00} after deposited instantly fees applied from cash App. It's has been 12 days I need them to find my money and have it deposited to my account ASAP. For the past 18 days I have been told the script each company has given the representatives answering the phones. I find it ridiculous that I have allowed for such irresponsible companies to keep my hard worked earned money, when they can not seem to trace or trace where the funds are.
Product: Credit reporting, credit repair services, or other personal consumer reports

We contacted XXXX XXXX to inquire about a home equity line of credit. XXXX XXXX XXXX XXXX NMLS # XXXX was the agent assigned. I explained to her that I wanted a home equity line of credit only. She said that was fine and just needed to run our credit. After running a hard inquiry on our credit history, she stated our credit was good however XXXX XXXX does not offer home equity loans. I asked why she would do that when she was aware we only wanted a home equity loan. She stated that it so she could offer others XXXX XXXX products. The credit report was ran under false pretenses and caused our XXXX XXXX to drop. We have contacted XXXX XXXX to ask for help with correction of our credit report. She has not responded.
Product: Mortgage

XXXX XXXX is working as mortgage broker and does not a real estate license or broker license he is submitting loans under another brokers name. 
He has large amounts of clients files stored unlocked in the rafters of his garage and dose not lock his office or put files in locked drawers while working on files. They are carelessly treated and he fails to safeguard personal information.
Product: Mortgage

Loan was in forbearance starting XX/XX/XXXX. On XX/XX/XXXX, forbearance term was extended to XX/XX/XXXX. Attached is documentation. Per the Cares Act, no late fee shall be charged while a loan is in pandemic forbearance, yet a late fee in amount {$130.00} was charged on XX/XX/XXXX, to loan no. XXXX.
Product: Credit reporting

An alleged debt in the amount of approximately {$280.00} was reported to Equifax XXXX for an account from XXXX ( acct. # XXXX ). I sent an online dispute to XXXX & Equifax. XXXX & Equifax reported that the dispute or dispute investigation as closed and the alleged disputed amount was placed or kept on my credit report. I ordered and cancelled the order for the services. I never received the phone and internet services that XXXX claimed to have provided. I never received their equipment, their technician did n't connect anything in or around the house, nor did I use their services reference in that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act. The list of accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following item of information, other than records of convictions of crimea which antedates the report more than 7 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: Debt collection

I have never received anything in writing from this company regarding a debt. I did receive a phone call at work in XXXX or XXXX stating if I did not pay the amount owed I would be sent to jail and a sheriff was coming to my work to serve me papers. I asked for something in writing explaining who they were, the debt they were collecting for, and the amount owed. I also informed them to not contact me at work, I am a teacher and it is disruptive. I never received any documentation from them or another phone call. I researched the company and found that other people had similar experiences, even when they paid and that it was a scam. Since I did not receive any documentation from the company or a phone call on my personal phone regarding the debt, I assumed it was a scam.