23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I never wanted Midland Mortgage, my mortgage was sold to them. I 've been stuck with their poor customer service for years. At the same time I 've had the same insurance carrier and renter for 15+ years. Every now and then I 'd get a warning letter and one would also be sent to my insurance company saying, 'It has been brought to Midland 's attention that my house is abandoned, or that they want to report that I have a renter. I 've had the same renter for over 15 years..that 's not a surprise. 
Then one day I received a call from Midland and the female service rep started asking me all sorts of personal questions ; I told her nothing has changed that should be reported to Midland but she persisted. Since I did n't want to continue with her I told her I was going to hang up, which I did. 
Within a few days I received a letter from Midland saying that since I did n't have insurance on my home, Midland was going to have another company insure my house for over $ XXXX+ for the year because I had let my insurance lapse. I immediately called Midland to say my insurance has been combined with and paid with my mortgage payment since I first signed for a mortgage, they could check their records. And I told Midland in a phone call that all this was probably due to me not wanting to answer their rude service rep 's questions and to please review the phone conversation if they taped it. I followed that call with one to my insurance carrier and they still had me insured. 
Instead of correcting their error, Midland continued to bill for this additional, higher premium insurance with my monthly mortgage payment. I called and sent proof of insurance in again and made Midland sign that they received the paperwork. When I 'd call to follow up, they said they did n't see any correspondence on file. So XXXX forced me to pay twice for insurance for a full year. This additional $ XXXX charge was broken down and added to my monthly bill. 
I called again and sent in paperwork to prove my house was insured and followed this with letters requesting help and documents to the Oklahoma State Attorney General, the Oklahoma XXXX and the Federal Trade Commission. Not one responded. And the extra charges built up with late fees if I could n't make the full payment on time. After one full year, Midland stopped overcharging me but they never corrected their mistake and never paid me back. I think it was all due to that one service rep who wanted me to answer a ton of personal questions and I refused. My mortgage is paid off now but in the decades I was stuck with Midland Mortgage they never once replied to a letter or correspondence I sent them.
Product: Credit reporting or other personal consumer reports

Failed to issue monetary relief for violating of fair credit reporting
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 a violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Experian Account name : XXXX XXXX ACCOUNT # XXXX Account name : XXXX  XXXX ACCOUNT # XXXX  Account name : XXXX XXXX  ACCOUNT # XXXX Account name : XXXX XXXX/ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXXACCOUNT # XXXX Account name : XXXXXXXX XXXX XXXX/ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX  XXXX # XXXX Account XXXX : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX/ACCOUNT # XXXX 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 reporting containing any of the following items of information. Any other adverse item of information, other than records of the convictions of crime 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to furnish credit inquiries on credit file from XX/XX/2018. Company stated inquiry would be removed. Company failed to comply to FCRA Guidelines.
Product: Mortgage

I WANT TO PRESS CHARGES AGAINST XXXX THIEVES AT XXXX XXXX THAT STOLE MY HOUSE! Do I have to go to the police? The criminal financial protection bureau has closed a complaint that IS NOT RESOLVED. The cfpb has done nothing to stop the outright THEFT. Of my house, {$730000.00} payments and ANOTHER {$250000.00} from MY proceeds. {$730000.00} pays all of the XXXX interest reported, all of the XXXX balance of the first. XXXX of second mortgag XXXX for XXXX escrow. 

It wasnt enough to charge me an extra {$100000.00}. They TOOK {$250000.00}. More. 
Select portfolio servicing basically stole my house. 

When they modified the loan there was no settlement statement or truth in lending statement IT WAS NOT A NEW LOAN. and all of my payments count. I dont care what the servicers did. It only matters WHAT I DID.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

USBANK Online mortgage application - Loan # XXXX. We completed all application requirements for a XXXX conventional mortgage with 20 % down for a second home in XXXX XXXX TX XXXX On the day of close, we were told that underwriting arbitrarily reclassified the loan as an investment property and that our funding, which was previously approved, was now disqualified. The decision was based on the buyer 's explanation section of the application in which we stated that our son would be living there while attending college. Under XXXX XXXX guidelines, a house may be classified as a second home as long as the owner maintains control of the home and lives on the property at least 15 days a year. I have reaffirmed multiple times to the lending team that the property will not be an investment property, will not collect rent and will not leave my control or go under any type of 3rd party management. USBank underwriting refuses to allow us to amend the omission on the buyers statement to include the language that we will live there at least 15 days a year. USBank is now suggesting that we add my XXXX XXXX XXXX son as the borrower and classify the house as a primary residence to bypass the gift fund restrictions on second homes and investment properties. Essentially, we are being asked by USBank to commit mortgage fraud and falsify loan documents to appease a single underwriter. We have been upfront and transparent regarding intended use of the home, source of funds, and all other qualifying factors for this loan. Not once during the 33 day loan process from application until the day of close were we told by anyone at USBank that the entire loan would depend on a single sentence in the buyer 's use statement. We meet all XXXX, XXXX, and Credit and Income requirements for a XXXX conventional note and USBank is using dishonest and discriminatory lending practices to disqualify us from this loan on the day of closing. US Bank has been negligent in their own due diligence and committed gross acts of omission throughout the course of this loan. Furthermore, USBank underwriting is actively encouraging the falsification of mortgage documents in contravention of federal guidelines for mortgage lending. USBank has also allowed forms to be corrected and resubmitted in their favor but refuses to grant us the same opportunity due to a mistake on a single form. Due to USBank 's malfeasance we were forced to go outside of the contract option period and will now lose our earnest money as well as our time and damage to our reputations.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am writing to formally request the removal of an account listed on my credit report, as the debt associated with this account has been canceled. The details of the account are as follows : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Date of Cancellation : XX/XX/XXXX This account was charged off and closed by XXXX XXXX XXXX Subsequently, XXXX XXXX  issued a 1099-C form, which canceled the remaining debt. The cancellation of this debt is reflected in my IRS transcripts, confirming that the debt has been officially forgiven and is no longer owed. 

Given that the debt has been legally canceled, I request that Experian take the following actions : Remove the Account : Remove this account entirely from my credit report, as the debt has been canceled and is no longer valid. 
Confirm Removal : Provide written confirmation once the account has been removed from my credit report, or if further information is needed, please contact me using the details provided above. 
I have included a copy of the 1099-C form issued by XXXX XXXX and the relevant pages from my IRS transcripts for your reference. 

I trust that Experian will take prompt action to remove this account from my credit report. Please let me know if any additional information is required to process this request. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

On XX/XX/2021, I applied through Affirm to make a purchase of a " XXXX XXXX XXXX XXXX Multi Purprocess Welder  XXXX XXXX XXXX on we website of the Store XXXX. '' That same day I received an email where I was approved for the amount of XXXX for the item I purchased. 
From that moment I did not receive any confirmation from the store XXXX XXXX or any other information stating that the product was purchased or confirmed. On XX/XX/XXXX, I made my first payment to Affirm of XXXX where they were charging me for the machine. Before this I was never informed that the purchase was even made. I made the payment and contacted Affirm, in order to investigate more information due to me not having received any item. They explained to me how this process would go and was advised to contact XXXX . I contacted XXXX XXXX, one of the gentleman I spoke with stated he had no information, no receipts or confirmation of any purchased made. I then contacted Affirm once again and informed them was I was told. I have not received any product and the store was stating they did not even have any of my information. I contacted XXXX XXXX  for a second time, I spoke with a different representative and was told they had shipped the item already more than 40 days ago. The address that XXXX XXXX provided was a different address, that I never provided them with. I informed them that that was address was incorrect and that I have still not received any item, yet I am already making payments to it. I contacted Affirm once again and explained the situation. I explained how they did not have a correct address and that it was shipped already. Affirm advised that I visit the address they had on file and try and retrieve the machine. I visited the incorrect address they provided and spoke with a gentleman. He stated he had not receive anything and that if he had he would of taken it to the post office as return to sender. I contacted Affirm once again, and a dispute was made towards XXXX XXXX  due to not receiving the product. I informed Affirm that I would no longer be making any payment until I receive the bough item. The dispute was made and after the 30 days of waiting for a response XXXX XXXX won de case. They stated I had lack of evidence or any other information. I tried explaining that I cant show any receipts or evidence because I never received receipts, confirmations or any thing else. Now, I just receive bills from Affirm where I have not continued paying until I receive my product.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX 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 XXXXD XX/XX/XXXX XXXX XX/XX/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 FinancialProtection Act ( CFPA ). Specifically, Cash App failed to take timely and effectivemeasures to prevent and address fraud on their platform, leaving my account vulnerable andunprotected. Furthermore, their dispute resolutionprocess was unfair and deceptive, as they did not comply with error resolutionrequirementsunder the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financialloss, and I seek appropriateredress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 Credit Reporting Agencies via USPS on several occasions asking them to provide me with the " ORIGINAL '' signed documents sent to them by the original creditor/furnisher for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$8600.00} Under Federal law the Fair Credit Reporting Act ( FCRA ) requires the Credit Reporting Agencies ( CRA ) keep the " ORIGINAL '' signed documents submitted by credit reporting agencies/furnishers on file. Under Federal law FCRA Section # 609 also requires CRA to verify " ORIGINAL '' signed documents to validate the validity of the account before they report in to the consumers credit report. Section # 610 of the FCRA requires the CRA provide the consumer with the " ORIGINAL '' signed documents submitted by the credit  reporting agencies if it is requested in writing, within 30 days of the written request. I have been requesting the above mentioned documents since XXXX 2017 and have yet to receive ANYTHING from the Credit Reporting Agencies. I am once again asking XXXX to provide me with the " ORIGINAL '' signed documents submitted to them by XXXX XXXX XXXX in the amountof {$8600.00}. If the Credit Reporting Agencies can not provide me with the " ORIGINAL '' signed  documents I demand that they delete/remove this account from my credit report. If this account is not removed my credit report within the allowed 30 day period my next course of action will be to hire an attorney and file a law suit. Any attempt to collect this debt without validating it violates the Fair DebtCollection Practices Act ( FDCPA ). The law is very clear to the civil liability and the remedy available to me for the " negligent non-compliance '' ( Section # 617 ) if the Credit Reporting Agencies fail to  comply within the laws.
Product: Debt collection

I went to see a doctor @ XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX, on XXXX. 
I provided them with my Active medical insurance which was XXXX with Medicaid, along with a referral. 
I never received a call from them regarding this bill but a year later I got a letter sent to my old address about a bill. I tried to call the billing office several times with no response. I 've left voicemails to which no one ever responded. I called my insurance to confirm that I was active during the visit, which they confirmed I was. Ins Rep : XXXX told me that the office billed the insurance but that it was not payable because the office did not get the proper prior authorization for it. The Ins rep called the office and left a voicemail notifying them that they are not supposed to bill Medicaid patients and asking them to return her call. I continued to try to contact the office every few weeks but the billing office never answered the phone or my messages or called me about this issue. I just checked XXXX and thats how I found out I had a collections report from XXXX on my account. This office has continued to attempt to collect a debt that I do not owe and that they have no right to attempt to collect.
Product: Checking or savings account

I would spent money that my account said I had then it would be pending in my account for two days saying I have a certain amount of money left but then when I spend the money I have in there it says I dont have enough plus overdraft
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/2013 Balance : {$17000.00}
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 : # XXXX has violated my rights. 



15 U.S.C States I have the right to privacy 15 U.S.C It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 Reporting information with actual knowledge of errors. 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This writer had an account with XXXX XXXX XXXX in XX/XX/XXXX and canceled said account within the time line stated in our agreement with XXXX XXXX XXXX. XXXX XXXX XXXX saw their error and corrected said error. The case number with XXXX XXXX XXXX is XXXX. ( See attached email document from XXXX XXXX XXXX ) However, before the correction was done XXXX XXXX XXXX forwarded the account to Sunrise Credit Service ( XXXX    ) a collection company. XXXX   was informed by XXXX XXXX XXXX via email that this account was not owed by this writer and was sent in error to XXXX. 

This writer phoned XXXX   on XX/XX/XXXX to have them remove this collection account from all my credit reports ASAP. XXXX  refuses to discuss said account with me since they no longer  have the account, and refused to purge said collection account from all my credit reports, even though XXXX  was instructed to purge said collection account from this writer 's credit reports ASAP by XXXX XXXX XXXX.
Product: Mortgage

Back in XX/XX/XXXX I was late on my mortgage payments which is a Making Home Affordable Modified loan as of XX/XX/XXXX. The investor is XXXX XXXX. I received a Notice of Default in XX/XX/XXXX. I was given 90 days to reinstate my loan before a sale date to be assigned. I was able to reinstate my loan on XX/XX/XXXX. 
I contacted the trustee who filed the notice of default XXXX XXXX XXXX the Foreclosure Manager several times during the month of XX/XX/XXXX to make arrangement for the total payment to reinstate my loan. On XX/XX/XXXX Ms. XXXX calculated the attorney fees and foreclosure fees and told me because of XXXX XXXX guidelines there will be no other charges after I pay the total amount to reinstate my loan. On XX/XX/XXXX I paid {$20000.00} which included {$670.00} foreclosure and filing fee to reinstate my loan. On XX/XX/XXXX There was a notice of rescission filed in XXXX XXXX County recorder office. 
SLS has charged me additional below fees with no explanation XX/XX/XXXX {$29.00} Fee Billed XX/XX/XXXX {$440.00} Fee Billed XX/XX/XXXX {$24.00} Fee Billed XX/XX/XXXX {$17.00} Fee Billed XX/XX/XXXX {$93.00} Fee Billed XX/XX/XXXX {$440.00} Fee Billed I have asked SLS for explanation of these charges and they say is part of foreclosure charges which i paid when I reinstated my loan in XX/XX/XXXX. They are not reversing this charges or show me any proof for these charges.
Product: Credit reporting or other personal consumer reports

I received a bill of {$1500.00} from XXXX XXXX XXXX, but when I asked for an itemized bill, they refused to provide it. Instead, they sent me an old bill with an incorrect number. I need the itemized bill because I have excess insurance on the car, and the insurance requires it to cover the excess. Despite asking for the bill several times, I have not been successful. I ended up sending the incorrect bill to the insurance company, which took a long time to resolve. As a result, the Leasing company put a late balance on my account, and I'm facing difficulties with my credit score.
Product: Debt collection

On  XXXX / XXXX /  XXXX   I contacte d Portfolio Recovery Service  concerning a debt. I requested certain information concerning this account but  XXXX   XXXX   XXXX  reused to answer them. Furthermore, she would not answer the key question as of when was the account that is not mine being reported to the credit bureaus. I told her that I have rights and that by refusing to answer she was violating my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion phone # ( XXXX ) XXXX is Reporting XXXX XXXX XXXX on my credit report this is a fraud account please remove thank you. 


Original creditor name XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account