23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was contacted by PHH mortgage in the XXXX  of XXXX to inform me that I did not have an active insurance policy from XXXX of XXXX through XXXX. They planned to charge me approximately {$1400.00} for a back-dated insurance policy. Turns out my homeowners insurance, home site, had sent XXXX multiple invoices for payment in XXXX that were never paid and my policy was subsequently canceled unbeknownst to me. My policy that was cancelled was approximately {$650.00}, and I had to create a new policy this year. XXXX now expects me to pay more than twice as much for a policy because of a mistake that they made. The whole reason I have an escrow account is so that insurance payments are taken care of. I've called them multiple times throughout the XXXXXXXX XXXX XXXX XXXX I finally got a call back from someone saying that it was going to go to their investigation department and that she would follow up. Of course I never heard back from them, and they apparently expected the problem to go away. Now I get notifications that my escrow account has a negative balance and my mortgage is going up all of which are domino effects from the initial problem that they caused. I should not be responsible for this, I would like them to credit me the difference in the policy amounts.
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 XXXXt # 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 XXXX # XXXX XXXX XXXX XXXX  # XXXX These accounts have 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 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: Mortgage

Mr. Cooper continues to conduct illegal and questionable business with our account. 
As of XX/XX/XXXX Mr. Cooper sent our past due balance ( due to their errors ) to a collection agency. This is despite ALSO having sent approval to a recovery program for the same funds, while ALSO still requesting payment from us. Mr. Cooper has not drastically impacted our credit due to several faulty hits and negative reports. 
We called to make a payment and was denied. We were then told that if we make a payment at the same time as our assistance coming through, they did not know where our payment would be credited to. Our assistance program has told us that it could mess up the funding if we make payments at the same time yet Mr. Cooper continues to insist that we make payments even though the approval process is documented and in the works for the assistance program. Mr. Cooper is attempting to illegally collect multiple payments and is now falsely reporting to the credit bureau. 

Issues with communication : We still demand all signed receipts from Mr. Cooper to verify the several certified letters they claim to have mailed to our address. 
We have NEVER received any communication via our online account/consumer portal or via email. This is likely because Mr. Cooper does not want a paper trail of their wrong doings since Mr. Cooper will only release call recordings via a court order. We have requested our call recordings several times and have been denied so now we DEMAND that ALL communication via in writing only via legal certified mail with a tracking number to our home address or via official, not spam, email to our listed emails on file. 
We made this request and continue to receive phone calls from Mr. Cooper representatives from several different phone numbers. None of the callers leave voicemails either. 

Mr. Cooper/Nationstar Mortgage is conducting fraudulent business under : ( 1 ) Sections 1031 and 1036 of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, 5536 ; ( 2 ) Sections 6 and 19 of the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605, 2617, and the regulations promulgated thereunder at Regulation X, 12 C.F.R. 1024 et seq. ( RESPA Mortgage Servicing Rule ) ; and ( 3 ) Sections 4902 ( a ) and ( b ) of the Homeowners Protection Act of 1998, 12 U.S.C. 4902 ( a ) and 4902 ( b ) ( HPA ). Mr. Cooper is forcing home owners into unjust payment plans and threatening foreclosure without out cause. Mr. Cooper claims to have sent us certified mail on 3 separate occasions but can not provide us with tracking numbers or signed receipts of the letters. We never received any letters because they were never sent. Every time we speak with a representative from Mr. Cooper, we are told different things and each representative says the other one was wrong. We are constantly given faulty information. Mr. Cooper has denied us the ability to make our mortgage payment on several occasions because they want to keep our account behind so they can attempt to foreclose on the property. This company has reported our escrow in the negative despite our insurance company having paid them less than 6 months ago.
Product: Credit reporting or other personal consumer reports

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. The names XXXX, XXXX, XXXX Addresses. Only the address XXXX XXXX XXXX XXXX, MI XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX the birthdate/year of birth field YEAR OF BIRTH XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my consumer report. XXXX XXXX XXXX Balance {$120.00} This account was opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mon ) this account was created on mistaken identity, this account is not mine. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of XXXX XXXX XXXX company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that inaccurate accounts be removed Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to follow Bankruptcy laws. My bankruptcy chapter XXXX case opened XX/XX/2021 is closed and the debt has been discharged. Equifax is still reporting accounts as charge offs, and showing these accounts as collectible. I am not derogatory on any account. These accounts were included in my bankruptcy and discharged debt is not collectible. This could result in a lawsuit since equifax continues to try to collect on these accounts and continue to report incorrect information. I have attached photos below. Lastly equifax is reporting an address on my report from Arizona. Ive never lived in Arizona and that is a fraudulent address. I want this removed immediately. I do not owe XXXX. I do not owe XXXX XXXX. I do not owe XXXX XXXX. I do not owe XXXX XXXX, I do not owe XXXX. I do not owe XXXX  XXXX XXXX, I do not owe XXXX XXXX  XXXX, I do not owe XXXX. I do not owe XXXX these are all debts included in the bankruptcy already discharged.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY INFORMATION EQUIFAX LLC CUSTOMER SOCIAL SECURITY NUMBER XXXX CUSTOMER DATE OF BIRTH XX/XX/year> CUSTOMER NAME XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX of XXXX, I atarted to recieve notice from XXXX  that changes had been made to my credit report. I got in touch with Experion to find that there where two physian offices that had sent several bills to a credit agency for nonpayment ... I have never recieved these bills, and if I had recieved a bill I would of called to let them know that my visits should be paid Medicaid, wich I have had for the past 25 years.. When I went to my Drs appointment they took a copy of my insurance, and Driver License that had correct address on it. I am not just understanding why these bills where never sent to me ... I hve contacted the collection agency and they stated that they sent bills to an address that I have not lived at in 15 years ... I also tried to give them my medicaid information and he stated that it was to late to bill Medicaid due to some of the bills are several years old. i contacted Medicaid and they stated that they will only pay past due bills that are only 3months old no exception. Now i dont understand why would I be held responsible for these charges if they have a copy ofmy Medicaid card, drivers license, and complete address. if they did not except Medicaid why woould they see me? If for some reason they could not bill medicaid I should of been informed so I could of at least try to figure out the reason for nonpayment, wich doesnt make since to me due to I am 100 % covered through Medicaid. Below are the companies that are involved XXXX XXXX. XXXX  {$510.00} Collection opened XXXX balanced updated XXXX XXXX XXXX. XXXX  {$2000.00} Collection opened XXXX XXXX Balanced updated XXXX XXXX  XXXX.of XXXX Texas {$360.00} Collection opened XX/XX/XXXX Balance updated XX/XX/XXXX XXXX XXXX  XXXX  {$290.00} Collections opened XX/XX/XXXX Balanced updated XX/XX/XXXX All of these debts where placed on my vredit at the same time ... from years ago and I can prove I had Medicaid at these time and someond dropped the ball and did not bill Medicaid and didnot take the time to send the bill to me and the collection agency still has not sent me abill even after my phone call to them..They keep adding these depbts back on my account as if they are knewly opened accounts ... .so my credit rating is dropping. please help me fix this situation ... .The collection Agency is CREDIT SYSTEMS INT IN
Product: Debt collection

In XX/XX/2019 I paid all of the amount due to Bay Area Services where they told me they promised debt would not show up on my credit. I was notified today XX/XX/XXXX, that this debt is showing on my credit. Amount due was paid in full in XXXX. I am requesting action to be taken and this derogatory mark be taken off of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 1.5 years I have sent multiple certified letters to Experian, XXXX, and XXXX requesting that they validate the inaccurate derogatory accounts on my account. However, every time the credit bureaus responded the accounts were validated, but the information listed on my credit report is inaccurate. This has caused me a great deal of stress and money. 

According to the Fair Credit Reporting Act ( FCRA ), If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a SYNCB/SYNCB account reporting on all 3 credit bureaus under account number # XXXX. I have contacted SYNCB directly several times via mail with the most recent being in XX/XX/2021 requesting for debt validation as I do not recall having such account. They have failed to respond to any of my request to validate this debt. This debt is also showing multiple accounts with several different account numbers.
Product: Credit card or prepaid card

I contacted Citicards on XX/XX/XXXX three times. Each time the representative did not address my problem. The last representative said theres nothing we can do and we dont deal with interest charges. I also chatted with them and they confirmed that there was an error with the interest charged My problem is I was charged interest on purchases that were returned or credited by the merchants. The airline lost my luggage with everything in there and Ive had to return stuff. XXXX sellers were also were sending me the wrong items or they were damaged when I was receiving them. The first interest charge is {$19.00} on XX/XX/XXXX, XXXX was {$59.00}, and {$130.00} on XX/XX/XXXX and XXXX on XXXX, and You can see the refunds in the statement credits. Please recalculate the correct interest rate. Like for XX/XX/XXXX there is a positive balance left. The total after refunds and credits was around {$140.00}. Then there was an autopayment for XXXX. Also On XX/XX/XXXX the total balance due is XXXX after everything that is not {$130.00} dollars in interest. 

Herea my chat with them You at XXXX, XX/XX/XXXX : citi charged XXXX in interest charges however a lot of merchandise was in the process of being returned so the credits posted later in the month so i am being charged an interest rate for purchases that were later credited by the merchants. Like I ordered stuff from XXXX and XXXX but it was defective so I had to return it XXXX XXXX at XXXX, XX/XX/XXXX : Thank you so much for explaining in details as this really helps us! 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX INTEREST CHARGED TO STANDARD PURCH {$19.00} Please let me see if I could do anything on this. 
I will do my best. 
You at XXXX, XX/XX/XXXX : im talking about XX/XX/XXXX the interest was charged on a XXXX order from XXXX XXXX XXXX which was later credit3ed on XX/XX/XXXX by the merchant XXXX XXXX at XXXX, XX/XX/XXXX : Please let me pull up your old card details. 
You at XXXX, XX/XX/XXXX : same with the XXXX order from XXXX XXXX XXXX at XXXX, XX/XX/XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX INTEREST CHARGED TO STANDARD PURCH {$130.00} You are right, there are couple of returns on the account. 

I see the interest was charge on the previous card and as this card is no longer in use, it will not let me work on that. 

No worries, our account specialist team would have the access on this. 

Let me share the best number to you. 
The number for our account specialist is XXXX ( TTY/TDD : XXXX ). This department is available 24 hours a day, 7 days a week. 
I would also be right here with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian didn't conduct a proper investigations into my dispute as my rights were violated. Please refer to the below. 

CFPB # XXXX
Product: Credit card or prepaid card

I received a credit card offer in the mail. It said if I opened the card and spent {$1000.00} in 90 days that I would receive {$150.00}, which would be paid as XXXX bonus points. I opened the credit card in the branch on XX/XX/2022. I completed the required transactions in XXXX. I never got the points. I have called the bank three times with no assistance! 

I believe that Fifth Third is committing Unfair and Deceptive practices for mailing out credit card offers and NOT fulfilling the bonus offers.
Product: Mortgage

XXXX, XXXX. I call to see what program that was available to help me do to out of work. Do to covid-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company called credit acceptance Corp ran my credit 5 times with out my consent and it caused my score to drop i want their inquiries off my file their phone number is XXXX their address is address is XXXX XXXX XXXX XXXX MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that are still appearing on my credit report that were a result of identity theft. I have disputed these accounts with the credit bureaus several times and I haven't received any response in regards to the dispute. I also filed an identity theft affidavit and the account has still not been deleted. The response time has surpassed 60 days and are now in violation of my rights in the FCRA. I have placed on extended fraud alert on my report and these accounts were to be removed upon completion of my dispute. These accounts have not been removed and late payments are continuously being reported every month damaging my credit history. Please eradicate this account from my credit report expeditiously.
Product: Debt collection

I called the number on my XXXX account 3rd party debt collection. Told the representative this account wasnt mine and that I have no knowledge of this debt.
Product: Mortgage

This file has been going on for a year. The seller has cooperated with XXXX XXXX  who advised me that they had approved the short sale while in the meantime they were working on selling the loan to Rushmore Loan Management show is now managing the loan for XXXX. The seller had a veteran in the home that was at 80 % XXXX and since then has become 100 % XXXX. Rushmore has come up with a value via a bogus BPO that is over {$300000.00} the appraised value. Has proceeded in setting a foreclosure dale date WITHOUT even notifying the seller that there is a date, nor by posting the date as notice to the seller or by denying a foreclosure date every time I call in to speak with a negotiator. Rushmore simply refuses to work on a short sale for this client. Forcing a foreclosure with a veteran in the home, causing further stress to the owners even though the sellers have done everything needed to comply with Rushmore 's and XXXX 's requirements for a short sale. This listing was live on XXXX/XXXX/XXXX and has been sold and transferred so no company takes responsibility for a foreclosure with a veteran and now Rushmore is trying to foreclose without notice? Is this legal?
Product: Money transfer, virtual currency, or money service

I am submitting this complaint regarding Cash App 's potential violations of my consumer rights under various U.S. laws and regulations. Below is a detailed account of my grievances : Complaint Details 1. Unauthorized Transactions : Cash App has processed unauthorized transactions on my account without proper notice or consent. This appears to violate 15 U.S.C. 1693 et seq., the Electronic Fund Transfer Act ( EFTA ), which protects consumers against unauthorized electronic fund transfers.

2. Failure to Provide Refunds : Despite multiple attempts to resolve disputes regarding erroneous or fraudulent charges, Cash App has failed to provide timely and adequate refunds. This conduct may contravene 12 C.F.R. 1005.11, which requires financial service providers to investigate and resolve errors within a specified timeframe.

3. Inadequate Customer Support : Cash App 's failure to provide accessible and effective customer service channels has hindered my ability to resolve disputes. This lack of transparency may violate provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5531 ), which prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ).

4. Data Security Concerns : I have concerns about how my personal and financial information is being stored and handled by Cash App. If their practices do not comply with 15 U.S.C. 6801, under the Gramm-Leach-Bliley Act ( GLBA ), this could represent a breach of their obligation to protect consumer data.

5. Failure to Disclose Terms and Conditions : The lack of clear disclosure of fees, policies, and user agreements might violate the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., and related disclosure requirements outlined in 12 C.F.R. 1026.

Impact on Me Cash App 's actions have caused financial harm, emotional distress, and inconvenience. Their failure to address these issues has eroded my trust in their services and caused me to suffer undue hardship.
Product: Credit card or prepaid card

On XX/XX/19, I purchased a laptop screen in the amount of {$160.00} using my Capital One credit card. Within a few days of the screen 's arrival, I determined that the screen was defective. I attempted to reinstall it multiple times and ran a full diagnostic on the computer. I have a background in technology. THE SCREEN IS DEFECTIVE. This is a SCAM. I provided Capital One 's dispute department with a written and signed statement, evidence of a warranty offered at the time of the sale as well as the communication log between the retailer and me. In that communication log, I requested a new screen within the warranty period. The retailer has done nothing but stall and has not followed through on the warranty. Further, you will see in the conversation log that I requested a return shipping label which the vendor completely ignored. Capital One stated Visa wouldn't support me because I still had the screen. I guess they're illiterate because I clearly made an attempt to return the screen and it was ignored. 

Capital One is requesting a copy of the " purchase Agreement / contract ''. Who the hell signs a purchase contract for an XXXX-like transaction?? This entire situation defies logic. I'm done with them. Just spent nearly 50 minutes on hold only to have the call conveniently disconnected. Of course, they never called back despite confirming my call back number on the call. WORST CUSTOMER SERVICE I'VE EVER EXPERIENCED. What does it take to win a dispute? The product is defective. The product has a warranty. The communication log between myself and the retailer was provided evidencing my request for a replacement. I ASKED the vendor to send a return label. THEY NEVER RESPONDED and still haven't TO THIS DAY. XXXX VISA and XXXX Capital One! They don't have your back anymore. So here 's where I'm at. I will not pay this bill. I have a superior credit score and I'm willing to sacrifice it on principals alone. Would appreciate your help but if the matter isn't resolved through your firm, I'll be closing my account with the unpaid balance. Thank You,