23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Before signing the loan documents with XXXX XXXX XXXX  , XXXX License # : XXXX, Owner XXXX XXXX , I contacted Superior Loan Servicing representative named Ms. XXXX who clarified my questions ; Manager is XXXX XXXX . Among the questions Ms. XXXX clarified ( see notes on Loan Terms ), I asked about the Default Interest of 17.50 %. She made it clear that that interest charge would only be due if a legal Notice of Default is filed. 

Upon closing, they padded the final seller 's statement. In addition to th

e Interest of {$2800.00}, that added another interest line item for an inflated amount of {$15000.00} ; equivalent to 17.50 %. This doubles the amount that is due at closing. They misrepresented this charge as regular interest when it was the value of the Default Interest. I was never in default, nor did I ever receive a notice of default, nor was a legal Notice of Default ever filed. When I asked about this payment, they said it was default interest, but I never received a
default notice and the itemized line item does not specify exactly what the charge is for. I only received multiple harassing phone calls and emails from both the servicer at Superior Loan Servicing and the mortgage loan originator XXXX XXXX stating that I was in default when I was not. 

I was under duress because XXXX XXXX and the Servicer constantly called me, threatening that they will take my house in foreclosure. He sent emails that presented coercive terms where he had investors who would pay off the loan I owed him, but that they would take the house. He just kept saying otherwise sue him, but I couldn't afford the attorney. 

I told them that their contract requires a notice of default which I never received because I was not in default. Plus, both the mortgage loan originator and the servicer knew I was waiting for my investor to buy the house and that the short-term private mortgage was needed until I found an investor to help me renovate. Which happened without being in default. I did pay agreed-upon late payments, but I was never in default. Therefor

e, the Originator, by harassing me and claiming I was in default was in breach of contract. I sent several certified letters to the Originator. One he responded to, the other he completely ignored. The Servicer also received certified letters but  pointed the finger at the originator. However, it is the servicer that reported the accounting to the XXXX Title Company 's Final Seller 's Statement, and therefore, responsible for the illegal padding. 

This was my family home, and after the tenants destroyed it and after the squatter recked it ( police used guns to get them out ), I had no choice but to figure out how to renovate it and bring it to market value.

If you review the contract, this interest amount is fraudulent and at best, I would consider it padding.
Product: Debt collection

This person tells that he calling to collect a debt of {$400.00} that I don't even recognize. He calls about ever three weeks. XXXX XXXX XXXX called today XXXX XXXX.I don't remember that dates that this person calls. I want these phone scams to stop it is very annoying. He ask me if I live at XXXX XXXX XXXX.
Product: Debt collection

Received and email from Paypal for antivirus software, with the name XXXX XXXX. I did not activated any of the enclosed links in the email. Again another associated with XXXX XXXX but a different physical address. Utility fee of {$590.00}. Then a thirdwhich occured in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1687 Account name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 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 agency can not furnish an account without my written instructions reporting 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency ay make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 7 convictions of crimes which antedates the report by more than seven years.

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

On XX/XX/XXXX, I sent investigation requests to XXXX  and Trans Union, asking them to investigate errors on my credit report. They are supposed to conduct investigations and respond back to me within 30 days. Today is XX/XX/XXXX, and neither have responded. Obviously, both agencies have taken too long.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three XXXXXXXX XXXX  checking accounts that have continued to show up on my credit report as collection accounts. These accounts are supposedly from XXXX & XXXX and they all show to be checking accounts, which makes zero sense, as I never had more than one personal checking account with this bank. The only time a second & even third account existed was my Business Checking account. That said, XXXX XXXX is legally restricted from reporting business accounts as collection accounts on my personal credit report, yet it appears they have done so. I have asked for my account statements on all three accounts more than once and was never furnished anything. Due to not receiving the information that I am legally entitled to, I contacted XXXX XXXX to see if I could have this removed by just agreeing to pay each collection in full and I was explicitly told that they would remove these collection accounts if paid in full and that they would send the request immediately after the balances were cleared. Therefore, I went to the nearest XXXXXXXX XXXX and purchased three separate money orders and was told that the branch had to mail all 3 money orders to the collection dept in XXXX XXXX because the bank branch couldnt process payments for collection accounts for some reason. Three weeks pass and each item is still listed - each with the full balance still showing as unpaid & delinquent. I called the collection dept and they said they never received anything and then proceeded to make me feel as if I was lying about the money orders. Two days later I get a voicemail saying they located my money order payments and that they had already submitted for the accounts to be removed from all three bureaus. Unfortunately, they didnt do what was promised - all they did was list the balance as Paid Collection but they never removed the accounts entirely. I wouldnt have wasted money paying collection accounts had I known they wouldnt remove the accounts entirely because paid collections do no good for any consumers credit score. I have contacted the collections dept several times and no one will ever call me back. These accounts have undoubtedly made my overall cost or credit much higher than it would have been otherwise. I have absolutely nothing else that is negative on my report except for XXXX XXXX 

**On the attached screenshots, you can clearly see that not only is XXXX XXXX still reporting these accounts as collections - but they are also still reporting each account as derogatory! 

**I also attached screenshots of the remainder of my credit file to represent the fact that Im not someone that just doesnt pay their bills. I have zero late payments ever and if XXXX XXXX would have done what they promised to do, then my score would be close to XXXX, but instead my score ranges from XXXX - XXXX. These accounts need to be removed IMMEDIATELY.
Product: Credit card

Dear Sir or Madam, In early XXXX this year, I applied for the US Bank XXXX XXXX credit card. I thought that the package offered by this credit card was attractive and decided that it was worth both a hard credit pull on my credit history and the {$75.00} annual fee that comes with the XXXX XXXX XXXX XXXX XXXX XXXX Card. 

Fast forward two months, the main perk of this card is cancelled : " Enjoy Bonus Award Nights when you redeem your Gold Points for Award Stays ''. I recently tried to book an award using the " Bonus Award Night '' which enabled me to have a second night for free on a two-night-or-longer stay and indeed realized it was no longer offered. This was a tremendous option as I could get up to XXXX nights per year free at more than XXXX XXXX XXXX hotels worldwide. Upon investigation, I see that it was discontinued in early XXXX. This is a mere two months after I applied for the credit card. I thought regulations prevented credit card companies from unilaterally changing the terms of the contract during the first year the account is opened. 

In any case, when I applied for the card, it was stated unequivocally that I would " enjoy all this after paying {$75.00} annual fee ''. I lived up to my part of the contract and paid the fees. However, I never received the benefit because US Bank decided to cancel those. 
As a result, I am writing to get compensation for this. I suffered a hard credit pull that will stay with my credit history for two years. I paid the annual fee that promised bonus night. But I will never be able to enjoy what I paid for. 

In addition, US Bank changed the term of the contract a mere eight weeks after I applied, implying that they knew about the impending change long before I applied but were still happy to collect the annual fee money without telling prospective customer. I think this behavior is unethical. 

My regards, XXXX XXXX
Product: Checking or savings account

During past week, I was mailed a letter informing me that a certificate of ownership was needed in order to maintain the account... .this account has been in force since XXXX. 
We have never been asked for a certificate, although I was actually discussing this account with bank managers as late as XX/XX/XXXX. This letter was so urgent that my account was scheduled to be locked on XX/XX/XXXX -- -- the same day i received a very non descript letter from us bank -- -- ( i think if i had a customer with a {$360000.00} acct, I would send them a registered letter to indicate this urgent situation ). XXXX, i was on the phone with a XXXX XXXX who informed me i need to complete the certification form and sent to his e mail He would then expedite the info to have the acct opened. By this time I am begging him to allow my payroll to go through In 30 years of business, I have never had a paycheck bounce. It is very demeaning and humiliating to have staff bring me a bad check. XXXX later stated the form was wrong because I Iisted a person who is not an owner Although this is my account -- -i can list who I want! I corrected the errors and removed the extra name. I was told by XXXX XXXX that the form looks good and was to be expedited for reopening the acct. She later found something wrong, I corrected, and talked to XXXX XXXX  who swore he had done his due diligence and the form would be expedited to team who would open the account On Monday, the XXXX, I called to verify the release, as I am still getting calls about checks not clearing. i was told by XXXX XXXX that I didnt send the back of the form although I have e mails indicating that i sent complete form There was a issue that i did not write, XXXX XXXX XXXX Mo XXXX in a small area that asks for STREET ADDRESS. Just above that address, i had written the complete address including zip So what we have is a bunch of nit picking when my paychecks are bouncing. Furthermore, this account has been active since XXXX!!!!!!
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 see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with the Equifax,   XXXX   and  XXXX  to remove an item off of my credit report that was paid by the actor  XXXX   XXXX  on  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX  I am attaching a printout of the ledger where it shows we had a huge credit balance.     No monies are owed and i would like this deleted off of my credit report unless they can show written documented proof that this money is owed.
Product: Credit reporting or other personal consumer reports

there is a loan from navy federal in the amount of XXXX dollars that has been charged off and a charge off is considered a certificate of indebtness which is considered income which is illegal and must be removed. this is being reported by XXXX. Also there is an auto loan that has been reporting transaction history which the law says is illegal to report transaction history.
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 XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX
Product: Checking or savings account

We initiated a transaction on {$160.00} from our XXXX account on XX/XX/XXXX to pay our XXXX credit card bill. XXXX shows our account being charged {$160.00} on XX/XX/XXXX. XXXX informs us that the payment was not received until XX/XX/XXXX ( 13 days after initiation ) and as a result charged us a {$30.00} late fee and {$5.00} interest fee. We contacted XXXX who agreed to waive the {$30.00} late fee but they then escalated us to a manager before finally agreeing to refund the {$5.00} of interest. They asked, and of course I didn't know, whether the payment was made from chase as a paper check or electronically and advised me next time to pay by phone. I then contacted XXXX to determine whether bill pay would be reliable for us going forward. With plenty of hold time in between, XXXX customer service transferred me to disputes who transferred me back to customer service who transferred me to the " quick-pay team ''. This team told me that the check was cashed by XXXX on XX/XX/XXXX. When I asked XXXX why a paper check was sent, XXXX said that they payee requires paper checks. 

I am frustrated with XXXX who charged me fees for a digital payment supposedly being just a day or two late ( they said they saw it in their system as of XX/XX/XXXX ). I'm frustrated that XXXX is apparently not able to live up to the " 5 day '' claim of paper check payments ( let alone the XXXX days they say an electronic payment takes ) and that they are not interested in taking accountability or even investigating on their end. XXXX is not interested in working with XXXX to resolve this dispute. They did generate for me a proof of payment.
Product: Mortgage

On XX/XX/XXXX, I received a letter from Georgia Mortgage assistant that I will need to have SLS sign a Workout Agreement to be considered for Partial Reinstatement. I emailed the letter to SLS on Tuesday, XX/XX/XXXX to XXXX. I spoke with XXXX XXXX number XXXX, he stated they received the letter and transferred me to the loss mitigation team. I spoke with XXXX and I told him I would complete a request for Mortgage Assistance. The Mortgage Assistant application, workout agreement and other supporting documentation was sent on received on XX/XX/XXXX. On Wednesday, XX/XX/XXXX, HUD counselor XXXX XXXX and I spoke with XXXX, SLS representative concerning documentation received from Georgia Mortgage Assistance for Partial HAF Agreement to loss mitigation department. I informed him that I completed an application for Request for Mortgage Assistance on XX/XX/XXXX and I must have the Loss Mitigation Manager complete the Partial HAF Mortgage Agreement to be considered for HAF Assistance. The letter states they will pay {$50000.00} ; however, SLS will have to sign the agreement for the remaining balance of {$16000.00}. He stated he could not transfer me to the manager because they were busy with other applicants. He also stated I was denied the loan modification because of the amount of {$65000.00}. I informed him that if SLS signs the workout agreement that will help me stay in my home because I received a letter from SLS and attorney that the have stated the foreclosure process. He attempted to transfer us to the department and also gave us telephone number XXXX to call if we get disconnected. I left message and have not received a call back. I have been attempted to get a modification from this organization since XX/XX/XXXX. It seems as if they do not want to assist me in the reinstatement of my home. I lost my job with XXXX on XX/XX/XXXX. As I stated to SLS, I would like to stay in my home. The main reason that caused me to be late on my home is loss of job and income. XX/XX/XXXX, I found new employment. In XXXX, XXXX XXXX XXXX, certified HUD counselor, called on my behalf to speak with SLS and he was informed that I was denied modification because I defaulted on a modification. This is untrue. On XX/XX/XXXX, I spoke with XXXX, and she stated they were unable to provide modification because they could not apply the amount owed onto the back of the loan and it was nowhere SLS can put the monies owed. Also, XXXX stated I had a loan modification in XXXX and XXXX. I have made payments to SLS until XX/XX/XXXX ; however, they state I owe for XXXX. I feel my account has been mishandled by SLS. Georgia Mortgage Assistance is willing to assist with getting me back on track with my mortgage ; however, SLS is stalling. Please assist me with this matter. I do not want to loose my home.
Product: Student loan

Currently, on all three of my credit reports, Mohela is shown as having XXXX balances for me. The first is where it currently is ( {$53000.00} ), and the second was what was previously believed to be my account balance, before a debacle that still hasn't been solved completely on their end ( {$29000.00} ). I would like Mohela to contact all of the credit agencies and tell them I only have XXXX set of loans with them and not XXXX.
Product: Debt collection

I 'm submitting this complaint against SouthWest Credit who is collecting on behalf of XXXX XXXX XXXX. 

The collections company called me to collect to debt I do not owe and I explained to them that I 've already disputed the amount as described below with XXXX XXXX XXXX. Yet the sent me another letter attempting to collect the debt amount of XXXX when it should no more than {$44.00} ( as XXXX XXXX XXXX last told me ) and I still believe should be smaller amount because the {$44.00} includes services until XXXX and I returned all equipment in a timely manner. 

That being said, and to reiterate my complaint, XXXX XXXX XXXX billed me for U-verse services not rendered for the months of XXXX, XXXX and I think XXXX and they also tried to charge some sort of termination or late fees. The fee breakdown in my last bill from them was not itemized. I requested XXXX cancel my subscription on XXXX and all equipment was returned within the allowed 21 day return period by XXXX/XXXX/15. They said they got it on XXXX. 

On XXXX/XXXX/15, date of my last call with XXXX XXXX XXXX, they specified that I owed an amount of {$44.00} not {$260.00}. I asked them to send me a revised bill with the {$44.00} so that I could dispute further as I continued to emphasize that I should not owe anything. However, it seems they sent my account to collections instead. 

I submitted my first complaint to the CFPB prior to the account going to collections but since CFPB closed my complaint as it related to XXXX XXXX XXXX directly, it seems that XXXX XXXX XXXX continued collection proceedings. 

Please call me if there is any missing information that you need to pursue this matter with SouthWest Credit debt collectors on behalf of XXXX XXXX XXXX at XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I attempted to purchase a product from XXXX. i paid someone via PayPal and they told me they were unable to receive the funds so i opened a case w PayPal to fix it and the funds stayed with the initial recipient. i then navely sent a total of {$300.00} to different addresses given to me from a person on the website to cover what they called security and stamp deposits that would be refunded me upon delivery. the package was supposed to be delivered several days ago and still hasnt been delivered. i realize now {$400.00} later that i was scammed and would like my money back or at least for this to not happen to anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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

I sent via certified mail XXXX rounds of letters to Transunion on XX/XX/23 and XX/XX/23 and the accounts listed below still remain on my credit report and have not been fully validated. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX