23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I lost my house in the XXXX  XXXX  lightning fire. After settling with insurance I had to sign over a joint check to my mortgage company XXXX United Wholesale Mortgage ) who has in turn elected to delegate the management of my funds to at least ( 2 ) other primary parties. These ( 3 ) entities work together to pass me around in circles and never be held accountable while withholding my rebuild money from me. 
I settled with insurance for $ XXXX, my rebuild costs are almost double that even after downsizing ( XXXX XXXX burned down, building back XXXX XXXX ) and doing as much of the work as I can myself. I have spent over $ XXXX to date, have taken out a $ XXXX personal loan in order to continue making progress while I fight for my funds to be released, and have only been reimbursed $ XXXX. I have had to take a leave of absence from work due to the stress and amount of effort required to be able to continue. 
If I call for a progress inspection at this point ( ext. framing complete, roof partial ) and get an arbitrary low percentage assigned ( past has been completely arbitrary ), I will get next to no money released and I will be very hard pressed to show significant progress for any inspections after. I plan on doing all the interior work myself, due to budget constraints. I wont be able to take any more loans and will be completely stuck while the bank continues to sit on my money ( and loan it out to others at a higher rate, which is why they have no motivation to actually help me ). 
Because of this situation, I need a clear definition of how % complete is being calculated before calling for the next progress inspection. I should have all of my money released if I am 75 % complete. This simple calculation should be ( value of work in place ) / ( value of claim ) = % complete. I have been fighting for months to get this very simple question answered and have exhausted all options I can think of. 
I have tried to fight this for months now any way I can, including : my own calls, letters, and faxes ( all go un-returned or standard pre-canned responses when I do get them, I have started recording all my calls with them as this is the only means of documenting ), contacting the insurance commissioner ( says not them since my money or issue is no longer with an actual insurance company, despite it being insurance money ), department of financial protection ( referred to me by the insurance commissioner, who in turn says not their department, try the insurance commissioner ), filing complaints with the Better Business Bureau ( closed my cases as soon as a company sends any kind of response, regardless of whether it actually answers the question. 
I have a lot of documentation and have been dragged along for months, these companies have been non-responsive to my letters and have not acted in good faith. I need to know how % complete is calculated and am contemplating pursuing these entities to recover the damages they have inflicted upon me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received a letter from XXXX XXXX XXXX stating that they were attempting to collect a debt for XXXX XXXX XXXX. Immediately I got scared and started asking questions. I never checked my credit profile before. I did not even know much about credit to begin with. I created an Experian, XXXX and XXXX account and I started going down the list of items that are on my credit report. I noticed many things that were on my report that I were wrong, so I updated my information. But this account that is on my credit report I have no idea what it is nor where it's from. I did not create this account and did not make this charge. That is when I realized that I am a victim of identity theft. I did not make this charge, nor did I open this account. This is a fraudulent account that I did not authorize. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit.
Product: Mortgage

Nationstar Mortgage ( NSM ) began servicing my loan on XX/XX/XXXX. My loan had an impound only for property taxes. However, on XX/XX/XXXX, NSM paid my homeowner 's insurance of {$730.00}. I called NSM and told them my homeowner 's insurance was not part of the impound account. NSM agreed, but stated they could not reverse the payment. On XX/XX/XXXX, I received an Escrow Stmt. revising my payment to include the escrow pymnt made in error, plus and additional {$730.00} for a future pymnt on XX/XX/XXXX. I called, and NSM agreed the future escrow pymnt was incorrectly included. On XX/XX/XXXX, I received a revised Escrow Stmt. The escrow stmnt listed a shortage of {$490.00}. If I paid the shortage prior to XX/XX/XXXX, my payment would be {$2100.00}. If I didn't pay the shortage my payment would be {$2100.00}. I paid the shortage of {$490.00} on XX/XX/XXXX. However, on XX/XX/XXXX, I received a statement showing a payment due on XX/XX/XXXX of {$2100.00}. I called on XX/XX/XXXX and XX/XX/XXXX, and I am unable to get NSM to either reduce my payment to the correct amount of {$2100.00} or refund me the {$490.00} I paid for the escrow shortage. By NSM accepting my escrow shortage payment of {$490.00} shown on their escrow statement and charging me the higher payment amount of {$2100.00}, I am being double-charged for the escrow shortage.
Product: Credit card or prepaid card

PayPal cash plus Limited my account I submitted requested info immediately ... after five days and no contact they then closed my account I have called an emailed and they do not care that I can't access my paycheck and I am now about to be evicted from my home
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year between XXXX - XX/XX/XXXX I used XXXX XXXX to open 2 disputes with Transunion regarding incorrect balances owed on 2 seperate credit card accounts. The accounts were showing balances instead of showing 0 balance. I wrote this out in the dispute and requested that the balances be updated. These were my 2 strongest tradelines and updated balances should have improved my scores significantly. Instead of updating the amounts, Transunion deleted both of the credit cards from my report all together. I have called numerous times and requested the reinsertion of these lines on to my report to no avail. As instructed by Transunion, I contacted the 2 credit card companies and have them do a " Request for Reinsertion '' in XXXX XXXX. Transunion STILL has not reinserted these lines. The last conversation I had with them was in XX/XX/XXXX where they were supposed to have a technician return my call. I have not heard back from them. Instead they dropped my score another XXXX points for using a card over 30 %. The 2 accounts missing from my report are : 1 XXXX XXXXd XXXX limit XXXX XXXX XXXX XXXX XXXX XXXX XXXX limit XXXX XXXX XXXX My score should be close to XXXX, but precisely because of Transunion 's negligence and improper handling of my information, my score is significantly lower than what it should be. This is preventing me from purchasing a business right this very minute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This morning, XXXX, my husband and I attended a XXXX Wyndham presentation for time share potential. After hearing the final packages, we declined everything. The person helping us asked if he could run our credit and made it seem like it was a soft credit run through XXXX. We got home, and I received an email that I am now signed up for a Wyndham Rewards earner card. The topic of a credit card did not come up once during our discussion, nor did I knowingly consent to one at all. I would like to see about getting this account closed without it effecting my credit score, because I did not want it and feel as though I was tricked into it. Thank you.
Product: Mortgage

Please explain how is it that we signed a Loan Modification in XX/XX/2008, over a month after XXXX XXXX XXXXXXXX was closed by the XXXX XXXX, and they filed Bankruptcy XXXX, and 4 months after we signed a Loan Modification making XXXX our Noteholder, and Investor XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, XXXX XXXX XXXXXXXX transferred my home loan to Nationstar Mortgage. Despite an inaccurate internal accounting, XXXX XXXX XXXXXXXX claimed XXXX late payments for their tradeline until XXXX. Upon onboarding the loan, XXXX charged me for XXXX deferred late fees due in the amount of {XXXX from XXXX XXXX  XXXX, then without notice, increased the amount to XXXX late fees in the amount of {XXXX. XXXX XXXX claimed to me through the CFPB portal, dated XX/XX/XXXX, that I owed XXXX late fees, as uploaded to my complaint to the CFPB, while he falsely claimed I had ever tried to modify my payment with XXXX XXXX XXXX and those non existent documents were outdated, as reasoning to ignore the XX/XX/XXXX XXXX Application and documents he was in fact responding to as he received them a second time by XXXX XXXX XX/XX/XXXX, XXXX months before filing a petition for XXXXXXXX against me that went wholly ignored after the filing by XXXX, and this devalued my fair cash value of the home I was trying to sell by XXXX. For years Nationstar claimed to have paid a law firm for a full suite of forclosure fees, only to accidentally disclose the charges as advances were somehow reversed and my payments to these unearned and allegedly split fees were and are still held by XXXX  in a suspense account along with {XXXX in interest payments I made that have yet to be credited to interest or refunded. XXXX  obtained XXXX  in late fees yet I owed XXXX. BUT. XXXX allocated receipt of {XXXX} in lines XXXX in their internal system and left this lie I paid for XXXX late fees for XXXX  years causing the attached inaccurate information furnishing in my credit files on a large number of occasions proven by mailed credit files, including in XXXX when claiming after the XXXX payoff I was 149 days past due on the loan in XX/XX/XXXX. Their company through counsel refuses to produce proof of services having occurred and refuses to produce cancelled checks allegedly advanced for these unearned fees, that also included two never noticed never described or disclosed force placed insurance premiums dated XX/XX/XXXX and XX/XX/XXXX, without having any reasonable basis for the charges necessity to overlap my regular homeowners policy that expired in XX/XX/XXXX. In XXXX, within a false payoff statement dated XX/XX/XXXX, XXXXXXXX over charged me {$XXXX} for unearned fees and charges and refused to issue a refund in XXXX, XXXX they paid general damages and currently can not tell me what unearned fees I was paid for, or in XXXX. XXXX XXXX XXXX  XXXX 's XXXX credit reporting of negative payments that matches 12 years of their credit reporting and two examples of XXXX XXXX inaccurate credit reporting claiming different and under payment of the actual amount paid by XXXX XXXX XXXX XXXX of {XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to dispute inaccurate information presented on my credit report. She said these accounts would be used to verify my identity. Instead of listing my reason as inaccurate information, debt not validated, and by law these things should be removed from my credit report. Under the Fair Credit reporting act. 15 USC Code 16801 E Compliance Procedures. 
Removal of inaccurate information from my credit report, if 1 % of the data is incorrect, the data must be deleted. My credit scored XXXX XXXXXXXX XXXX within one day due to investigation processes that take 30 days. Not sure why my score tanked when I provided lawful reasons, inaccurate information, for my disputes. This is illegal debt practices by Equifax.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block inc. ) for an adequate customer service and unfair practices which violated the Consumer Financial Protection act ( CDPA ). Specifically cash app failed to take timely and effective measures to address and prevent fraud on their platform leaving my account vulnerable. Furthermore their dispute resolution was unfair and deceptive as they didnt comply with error resolution requirements under the electronic fraud transfer act and regulation E. These actions has caused significant inconvenience in financial loss. And I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have repeatedly requested in writing that XXXX XXXX XXXX be removed from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, XXXX XXXX XXXX is not listed in the Nationwide Licensing System as having proper certification to collect debt in the state of Ohio which voids any contracts that XXXX XXXX XXXX has in the state of XXXX  prior to certification. 

Account # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Product: Credit reporting or other personal consumer reports

Multiple inquires on my account were all made within the same month before I locked my accounts. 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 I locked my accounts immediately following and requested they be removed. Caller on other end said it was not there responsibility. These inquiries are not mine and I never approved of them. FCRA, requires these unverified and unauthorized items must be-removed.
Product: Credit card

The name of the company is Synchrony Bank they randomly decide to discontinue my credit card for no reason the status of the card was the same when I was granted.a letter on XX/XX/year> they decided to discontinue the card with some excuse excessive? I do not have late payments. The card is at a zero balance. It does not make sense to me. When I called to question them and challenge the issue, they had no answer. Except read the letter. 
Everything that was on my card was exactly the same when I was able to get the card
Product: Credit reporting or other personal consumer reports

I applied for an Ulta store credit card at the Ulta store in XXXX. My credit file received a hard inquiry on XX/XX/XXXX. I was told I'd receive a decision by mail within the next week ( 7-10 ) days. Two weeks had gone by and I still hadn't received any decision by mail or email or text. I decided to reapply by myself online incase my information had been typed in the system incorrectly by the cashier at the Ulta store. After I submitted my application online in early XXXX I received a letter from Comenity Bank that was sent on XX/XX/XXXX. Firstly, my name was spelled incorrectly in the letter which threw me off. It was spelled XXXX instead of XXXX. The letter said that I had put in a second application within a 30 day timeframe from the original application and it could not be processed. It had also read that I already received a decision from my first application which I had not. I tried to apply for a college student credit card through the XXXX website and after a review of my credit file with the hard inquiry from Comenity Bank they were unable to approve me even though I have no credit line opened with Comenity Bank. Its the hard inquiry on my file thats inhibiting me from opening a card thats meant for credit card beginners.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any Items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Credit Report under Experian today : ( XX/XX/23 ), it was again discovered that the Student Loans in my name serviced by XXXX are portrayed as current debt. However, these loans are presently in forbearance. Therefore, since these loans are in forbearance, my Credit Report should reflect that these loans are in forbearance and not indicated as current debt. In addition to this issue, my Credit Score under the Experian Credit Bureau plummeted XXXX points. No explanation was given. It appears these problems only happen to XXXX XXXX XXXXXXXX. At this point, I am frustrated. If Experian doesn't correct this problem, legal action will be pursued. There are many XXXX XXXX XXXXXXXX experiencing this same problem. Class Action is definitely an option. Hopefully Experian can willingly resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I begin trying to fix my credit, seen a few things like personal info and accounts, and hard inquiries I did not recognize, I tried to dispute some came off report so.e did not. Still XXXX collection that's fine did have issues with stolen identity, did report is and ssc was stolen. Left friend along with my phone, she thought she was doing me a favor, she disputed somethings she shouldn't have. I was made aware by Experian when I got home. She apologize. I tried to dispute the recent disputes but, it was too late they went through, as a result I, have no credit history, and I am trying to build credit to buy a car, I payed {$200.00} to XXXX XXXXXXXX for a secured credit card and than I got an email saying that they can't continue the offer because of a dispute with Experian, and I also had a XXXX  day free trial with expian that it will not let me cancel, My goal is to pay what I owe I don't want anything extra except the credit that I had before XXXX XXXX, when the online disputes took place and I would like my credit report to return to normal please help
Product: Debt collection

Good Afternoon ; I was actually shocked over the weekend to find a new medical collection from Original Creditor Name XXXX XXXX. I immediately contacted the company directly and spoke with XXXX XXXX and i gave her my full name, ssn, DOB ; and address - she said that she can not locate any file under my name. The strange part is that this account was reported on my credit over the weekend but it says that it was opened on 2014, and the comment stated that the consumer dispute, and it's under re-investigation. How is that even possible? I never called until today. Just the fact that this is on my credit is in violation of both state and federal consumer laws under the provisions of HIPPA, FCRA, FDCPA, etc and much more.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Student loan

After receiving notification regarding the extension of the PSLF Waiver Program, I completed an original consolidation online for all of my Loans, in accordance with the waiver instructions in XXXX. I immediately became concerned because an automated letter from Fed Loans indicated all my loan counts would restart at a XXXX payment count. So on XX/XX/XXXX, I spoke to XXXX who told me NOT to submit the request for the in school deferment reversal until after the consolidation was complete. This resulted in me potentially missing period that could have been included towards my forgiveness due to my XXXX being XXXX during all periods of my in school deferment. I just received my counts on XX/XX/XXXX and it only shows XXXX that are eligible and XXXX that are qualified, but if the in school deferment has been send in XXXX when I originally inquired it could have taken effect before my loans were consolidated from 6 subsidized and unsubsidized to 1 subsidized and 1 unsubsidized. 

This payment count should have forgiven all my loans based on the new PSLF waiver ; however, because of the Fed Loan representatives advice to wait until loans had been consolidated I missed out on counts that could've made my loans forgiven as I would have had the XXXX or more payments. I do have a timeline of events that would show the dates of my calls. 

I properly followed procedures but was horribly misled. I am now stuck with {$100000.00} that should have been forgiven on XX/XX/XXXX according to the PSLF waiver extension. How do I proceed in having the consolidation corrected?,