23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX : Contacted our lender, Mr. Cooper, via their online messaging center to notify them that they had the incorrect parcel number for property taxes associated with out escrow account. They responded to say they would be in touch soon. We were never contacted and no further action was taken. 
XX/XX/XXXX : Mr. Cooper paid the wrong property taxes from our escrow account Early XXXX : My wife called Mr. Cooper regarding their failure to pay our property taxes and the funds that were misappropriated from our escrow account. They said they would research the matter. No further action was taken by Mr. Cooper. 
XX/XX/XXXX : We were assessed a late fee on the late property tax bill. 
XX/XX/XXXX : Contacted the XXXX XXXX tax collector. They said only Mr. Cooper could cancel the mispayed tax payment. 
XX/XX/XXXX : I called Mr. Cooper regarding their failure to pay our property taxes and the funds that were misappropriated from our escrow account. Somebody named XXXX in XXXX Texas was going to follow up with the tax department. No further action was taken by Mr. Cooper. 
XX/XX/XXXX : Contacted Mr. Cooper again regarding their failure to pay our property taxes and the funds that were misappropriated from our escrow account. XXXX in Texas said she was submitting a request for payment to go out immediately and for a refund to our escrow account. To date the taxes remain unpaid and no refund has been received. 
XX/XX/XXXX : I began corresponding with the XX/XX/XXXX account on XXXX. I have been told they are researching the matter.
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 ACCOUNT # XXXX OPENED XXXX XXXX {$300.00} PHONE # ( XXXX ) XXXXXXXX XXXX : ACCOUNT # XXXX OPENED XXXX XXXX {$250.00} ) XXXX : ACCOUNT # XXXX OPENED XXXXXXXX XXXX {$300.00} XXXXXXXX XXXX  : ACCOUNT # XXXX OPENED XXXXXXXX XXXX {$1500.00} XXXXXXXX XXXX XXXX ACCOUNT # XXXX OPENED XXXX XXXX {$6000.00} XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XXXX LIMIT {$710.00} XXXX XXXX ACCOUNT # XXXX OPENED XXXXXXXX XXXX {$700.00} XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX {$500.00} 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 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 seven 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: Credit reporting or other personal consumer reports

To Whom It May Concern : I am in the process of buying a home and recently had my lender pull my credit reports. I was in absolute shock when I realized that Equifax and/or the Department of Education had duplicated several XXXX XXXX after they were transferred to XXXX. Because of this duplication, the " Valid '' accounts were getting paid every month, but the " Collection '' accounts were not ( see attached. ) This means that on Equifax only, all of my XXXX XXXX first accumulated late payments and then eventually went into a Collection status. The erroneous reporting of these accounts caused my Equifax scores to drop nearly XXXX points!! It is also negatively affecting my debt-to-income as each of the collections is over {$1000.00}. 

Per regulations set forth by the Fair Credit Reporting Act, the Bureaus and all creditors must report with 100 % accuracy. The incorrect reporting has not only caused my Equifax credit score to plummet, but it has cost me literally thousands of dollars in interest for creditors that applied high interest rates, as well as placing in jeopardy the closing of my home. If I do not receive immediate remedy I will exercise any and all legal rights I have to recoup the losses I have endured because of this outrageous error. 

I have attached multiple documents : The first is labeled Collections and these are the erroneous accounts that are reporting. The second is labeled Valid and they are the open accounts that SHOULD be on my credit report. When you compare them the Open dates are the same as well as the original loan amounts. I have also attached a screenshot of XXXX XXXX credit scores to prove that Equifax is the only bureau reporting the derogatory accounts.
Product: Mortgage

We applied for a cash-out refinance with XXXX to get out of an ARM with a balance of $ XXXX, consolidate a XXXX mortgage of $ XXXX, and pay off debt. Specifically, I requested a full 80 % of the appraised value, which my husband and I estimated to be approximately $ XXXX. The initial paperwork we signed showed the mortgage value of $ XXXX associated with an $ XXXX value We spent {$520.00} on an appraisal and two months of underwriting. The appraisal came out to be less than expected - $ XXXX. As a result, the underwriter backed out stating our Debt-to-Income Ratio was too high to take out 80 %. In order to take out 80 %, we needed a D/I ratio of 35 %. However, neither our debt position or income earned had changed. It had always been around 38 %, when considering the mortgage balance, student loans and auto loan that would remain after the refinance. If anything, by refinancing a lesser amount, our debt position would be reduced. 

We were deceived. We should have been told up front by the mortgage officer, XXXX XXXX, and the documentation should have reflected a mortgage of 75 % of the appraised value.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, but unfortunately, I didn't get the response I was expecting to get so I'm asking the help of the CFPB for this to be resolved I hope this time you proceed with the investigation for this matter of great importance to me and my family.
Product: Credit card

I submitted a previous CFPB complaint regarding my credit card ending in XXXX/corporate account ending in XXXX. 

I was hit with a late fee again on XX/XX/year>. I was unsure why this was happening as I already had AutoPay setup ( see attached screenshot ). I made the minimum payment again on XX/XX/year>. 

I received in the mail BoA correspondence dated XX/XX/year> to my previous CFPB complaint. This correspondence was after the late fee on XX/XX/year>. 

It was explained to me that in order to engage AutoPay correctly, I would have to set it up through the corporate account ending in XXXX. I was not aware of this until I received the mailed BoA correspondence. I have since set up AutoPay for the corporate account instead of through the individual credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is not 30 days late, I never made a late payment on the accounts ever. Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. XXXX XXXX XXXX,
Product: Money transfer, virtual currency, or money service

I filed a dispute with cashapp ( square Inc. ) On XX/XX/XXXX for several unauthorized transactions on my cashapp account totalling {$2200.00}. There were 2 merchants XXXX and XXXX XXXX XXXX. The transactions occurred from XX/XX/XXXX thru XX/XX/XXXX. I was told when I filed the dispute I would receive an update within 10 business days however I still have not received anything at all and when I go to the chat help in the app they are no help at all. They only repeat " the dispute was sent to the correct department. '' I have asked for a phone number or email or to speak with someone else that can help me but they say they don't have anymore info and to watch my email. I truly don't know what else to do. I am repeatedly ignored and my questions are never answered. There have been a couple of times when the rep has disconnected in the middle of speaking to them after waiting 2 hours or more for for someone to respond. Any help you can offer would be greatly appreciated. Thank you
Product: Credit card

Submitted complaint to USAA ( See Atch 'd letter ). 

Initial conversation with USAA Rep ( XXXX ) explained XXXX % until promo period expires. No addntl interest on outstanding balance Subsequent conversation w/USAA Rep ( XXXX ) explained zero % interest is only applicable IF you do not use your card. If you use your card - interest applies to all. 

Follow-up conversation which resulted fm my letter with USAA Rep ( XXXX ( sp? ) ) explained that XXXX % interest works like this ( 1 ) transfer done, fee applied. ( 2 ) If u use card, and say, charge {$300.00} the day following transfer, the monthly statement will reflect {$6000.00} transfer, {$180.00} fee {$300.00} current purchases PLUS INTEREST AT 21 % EFFECTIVE DATE OF PURCHASE OF NEW GOODS. 

Then, lets say you make payment of {$300.00} ( + ) to cover cost of new purchases plus interest, the min payment due ( for sake of this example we'll say it's {$50.00} ) is what is posted against your new purchase balance with the remainder ( {$250.00} ) posted against the XXXX % loan. This allows USAA to charge continuous 21 % interest on the {$250.00} outstanding balance PLUS whatever new charges are incurred. What a racket!
Product: Credit card or prepaid card

Since receiving and using my kohls card it has been set up to make the minimum monthly payment via autopay. This has never been changed. Today XXXX XXXX, Kohls withdrew {$260.00} from my checking account to apply to my charge card. This was the full statement balance. They were only authorized to take the minimum payment of {$29.00}. My account password was changed when I tried to review the account and then locked for 2 hours. When I contacted customer service they told me it was set to pay the full statement balance. This is false. My account has always been set to minimum payments since receiving the card well over a year ago. This is not the first time I have had an issue with this account. At one point they took off my autopay causing a late fee because the payment was not made, unbeknownst to me as autopay should still have been active as I have never changed it. I asked to have my funds reversed and the minimum payment withdrawn. They told me they could not do that. I will be filing a lawsuit against Kohls Credit for violation of my rights under FDCPA.
Product: Credit card or prepaid card

This account ending in XXXX has been open many years with no activity at all. We kept the account open intentionally until on XX/XX/XXXX we were notified that there was an XXXX account set up using the card and charges were being processed on the card. This was not our activity and we filed a fraud claim with American Express on XX/XX/XXXX. They reversed the charges and told us that they closed the account at our request. Now in XX/XX/XXXX I start receiving account statements and notifications of interest increase on the account that was closed. I contacted American Express on XX/XX/XXXX and they acted like they had no idea what had happened on the account, or why it would be closed. They began playing games on the phone, acting as if they could not understand what I wanted or what had happened regarding the fraud. They left me on hold for extensive time while transferring to supervisor. Never got the supervisor and I was told by XXXX, the representative, they could not close the account.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Im XXXX  all on my credit due to this. I need help and its hard because Im very sick and unable to do this alone.
Product: Mortgage

Specialized loan services, my mortgage company told me during covid not to pay payments because the STATE shut down my XXXX for COVID and i was in a forbearance. the mandates really hurts business but i am willing and able to pay for years now the have denied me for everything and refuse to help the are demanding my deed. they prolong help thru NJ housing and dev. and even they wont help. I will not ; lose my home over this covid closing. i was already battling hardship when covid hit
Product: Mortgage

This is the same complaint but the corrupted XXXX XXXX  and shellpoint morgage servise keep sending me the same paper ever and over they claimed I owed them money the can't explained where the keep sending me paper from XXXX XXXX and I got a loan modification on XXXX and at the time corrupted XXXX  XXXX XXXX told me that I was going to start they added XXXX on XXXX so my loan when from XXXX to XXXX and at the time I was to started the loan no inters no extra fees until I paid the XXXX XXXX XXXX but XXXX  XXXX XXXX couldn't get more money for it they gave it to XXXX XXXX  so they try to get inters get me out of the deal I got first claiming I did a bankruptcy so when they realized it was a lie now they tried to tell me I'm behind the payments but the can't get which one that's why they keep sending me paper that does no have anything todo with this loan they try to get me out of the loan modification I have because they can't get any extra fees even that they say they can in my contract I got in XXXX through my loan masificacin my lawyer at the time explained last month she'll point send me paper for another loan modification and I wander why they say the will take my house they say they foreclosure my house and I don't understand why
Product: Debt collection

i sent a letter to AD ASTRA RECOVERY SERVICE on XX/XX/2021 about a alleged debt of XXXX that i don't owe. i requested for the validity of the debt by certified mail # XXXX XXXX XXXX XXXX XXXX and has not heard from them.
Product: Credit card

On XX/XX/year>, I was at the XXXX getting ready for a XXXX They informed me that I would owe {$4600.00} if I were to proceed. I explained that I could not pay that. The office assistance told to wait a minute, and then she gave a form to sign and said I was able to work it out. I was not told the form I signed was a credit card application for Smile Generations ( Commenity Bank ). Now I am in a situation where Smile Generations is sending me bills for {$5100.00}. I have tried many times to explain that I never intended to sign up for a credit card, and I also explained that I can not pay this amount, especially with the interest charged piling up. They keep calling me and are rude. Very unprofessional. I've spoken with Medicare about paying for the XXXX XXXX  with my annual benefit and they can not provide any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has had my credit report locked since XX/XX/XXXX. I have called several times including XX/XX/XXXX. The representative told me that someone else name was attached to my credit profile and I needed to send my SS Card, ID, and proof of address via email. I sent that XX/XX/XXXX. I still haven't seen any progress so I called back XX/XX/XXXX and was given the run around I spoke to 5 different people.
Product: Credit reporting or other personal consumer reports

The accounts listed below are not credit transactions initiated by me. I will be filing federal complaints for unlawful practices, violating my consumer rights. I have not authorized any agency to report any derogatory, erroneous information about me, nor authorize consent to my credit file. Their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting information. Your agencys failure to comply with these legal requirements has caused severe damages to my credit standing. I request, the CFPB investigate thoroughly and ensure that the derogatory information is deleted from my credit report. Your agencys failure to adhere to legal standards has significantly damaged my credit standing, the Illegal accounts are : Disputed Accounts : Fraudulent Account/Transaction Details : 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 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 XXXXXX/XX/XXXX
Product: Student loan

I completed the income based repayment plan renewal and received an email confirming the repayment plan was approved on XX/XX/2018. I received an email for the change in terms on XX/XX/2018, stating that my new payment due is {$440.00} per month and that payment schedule replaces all previous schedules for this loan. All emails after XX/XX/2018 have stated payments have been accepted and that amount is my current due amount for the loan. I now have a balance due of {$580.00} due on XX/XX/2018. There was no notification of a change in the monthly payment. This amount includes no additional fees, only principle, and interest. This is the second time Navient has failed to notify me of changes in my monthly payment and sent me a bill for an incorrect value. I have contacted the company about this issue, they just fixed it last time. They need to be held responsible for sending incorrect changes, failing to notify borrowers their bill has changed, and changing the bill to an amount that is different than the agreed terms.
Product: Credit card or prepaid card

Got a letter in the mail stating that my card was sent out out XX/XX/2021 it is now XX/XX/2021 and i have claimed my weeks and they stated to me that my money will be getting sent to a Way2Go card and i told them i dont have a way to go card i contacted the company the lady did not want to help me she transferred to a line that never existed her name that she gave me was XXXX she did want to give me any more information or let me speak to a supervisor she was trying to hang up on me and she did not help me she was very rude and i called back and got another representative he told me that they didnt have any trace of me in the way 2 go system what so ever but i have a paper with a claim ID on there as well as a CID number and they cant find it with me social or name or address or anything so how is my money being sent to a company that doesnt have anything containing me in their system and is not willing to help me get to the bottom of the situation i have 4 weeks worth of money coming the card was supposed to be here in 7 to 10 business days here it is almost a month later and they have no records of me
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX XXXX XXXX XX/XX/XXXX to request a quote. I did not sign up for insurance through them, and instead signed up through XXXX XXXX. XXXX XXXX created a fraudulent insurance policy that I did not agree to, under the name " XXXX XXXX '' ( my actual name is XXXX XXXX, but I spelled the last name " B as in 'boy ', U-E-S-S '' on the phone with them ). I got mail addressed to XXXX XXXX, which I ignored ( as that is not my name ). I eventually discovered they had fraudulently created a policy for me and contacted them, and they were not willing to admit that the policy was forged and did not provide my " signed '' documents to me as they said they no longer had them on file. I told them I would not be paying for it as it is not even under my legal name. I did not think it could affect my credit since it is not under my name, but I have now received a hit on my credit score ( which I checked because I am preparing to purchase a vehicle ). This is due to insurance fraud, which I can prove, and I would like it removed from my credit report. It appears the account was fraudulently created XX/XX/XXXX ( After my insurance policy with XXXX XXXX was already in effect ). I assume this because that is the date I see an email in my junk mail folder saying " Welcome to XXXX XXXX. '' I had inquired with XXXX  on XX/XX/XXXX, and can see that I received emails from them between XX/XX/XXXX and XXXX asking me to " sign my documents. '' It appears they must have forged signatures XXXX. I have attached screen shots from my email ( starting XX/XX/XXXX ) with the requests from them for me to " sign documents, '' as well as the XX/XX/XXXX email " welcoming '' me to XXXX XXXX ( indicating the date the fraud likely took place ). Please note the effective date on the fake policy, which is the same as the effective date on the XXXX XXXX policy I have also attached ( proof that I did not agree to the XXXX  policy and instead went a different direction ) -- this was the date of the purchase of my new home.
Product: Credit reporting 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 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. 


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: Checking or savings account

I signed up with a promo code at TRUIST BANK which offers {$400.00} after i make two direct deposits within 90 days totaling {$1000.00}. After 60 days i met the requirement and per the rules in the promotion the funds were to be added no later than 30 days after the requirement was met which was a week ago. I contacted customer support and they are denying that i met the qualification. In fact, they lied and said and i quote you did not meet the requirements within the 90 days which is interesting since i did and have proof on my statement and since the account was not even open 90 days yet. They acted as though my account had been open 90 days already and it was too late. I have since spoken to others who are experiencing the same thing. They are clearly and intentionally breaking the law and i refuse to stand for this. They also said they would have a higher up contact my via phone or email last week and they never did.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$7700.00} 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 XXXXXX/XX/XXXX