23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

my husband passed over in 2014 ; he would always tell me that if anything happened to him that the mortgage would be paid off. 

the mortgage is in my husbands name only, and I ca n't find the mortgage insurance. 

I notified the mortgage company, and the home insurance company. 
I am the administrator of the estate. I sent the death cert.. and the admin.. document to each company. 
the insurance was put in my name. the mortgage company will not change the loan to the estate of.. 
when the renewal of the home insurance was due the mortgage company would not send the insurance payment through escrow. they stated the insurance policy is not in my husbands name. the insurance company stated they can not have a policy in a deceased persons name. I am the administrator of the property. 
the mortgage company stated to assume the loan, sell the property, or find another home insurance company. ( you can not feel the total disrespect and rudeness I experienced from the worker through my words. ) also every time I call the mortgage company to find out what is the problem I get the prompt, this an attempt to collect a debt and this call my be monitored. 
I have not missed a payment to either company. 
the mortgage company did send a letter stating a name change. I do n't know if I am paying off a mortgage or a transfer to a debt company. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX  XXXX  Original creditor XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$51.00} ; XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

The mortgage company Mr. Cooper dba Nationstar Mortgage bought my mortgage from XXXX XXXX in XXXX because I was paying bi-weekly. Ironically XXXX didn't sell off mortgages that were paid monthly. Since being with Mr. Cooper, they ran an escrow analysis and said I have an escrow shortage. The shortage is because my XXXX XXXX for PMI doubled in cost from last year. I have called them and was given a mortgage research number. However this company has the worst customer service. They will not respond to secure mail. They do not follow up when they say they will. I was told that they would contact me with the results of the mortgage research request. They have not responded. I have contacted a supervisor and she will not respond to my inquiries about why my PMI coverage doubled and meanwhile all of my payments have been on time. My mortgage balance is decreasing therefore the risk is decreasing. I could understand an increase in PMI if they had changed companies but that hasn't happened. Nor has there been increased risk of the mortgage not being paid. I was paying biweekly and when they took over the mortgage they made it impossible for me to pay biweekly. I called multiple times. I sent the forms in multiple times, and all times they failed to process the payments biweekly. After all, I would be paying down my mortgage faster and decreasing their profit. I can see why they wouldn't want me to pay it off fast. However, this PMI scam is terrible and they won't respond about it.
Product: Mortgage

y home was flooded on XX/XX/2023, my insurance company XXXX XXXX settled the claim in XX/XX/2023, they sent me a check with my name, the contractor and my mortgage companies listed on the check. The check was sent to my mortgage company on XX/XX/2023 ( Rushmore Home Loans ). Rushmore Home Loans was takeover by Mr Cooper as of XX/XX/2023. I personally forwarded all of the required documents and all information that was needed to continue with the repairs of my home. I was told to do this by my previous mortgage company to avoid any further delays. Mr Cooper has found everything possible reasons to not disburse the fund to repair my home, as of now XX/XX/XXXX months after depositing the funds in my mortgage loss draft accounts, the first disbursement was released on XX/XX/2023 for {$25000.00}. My original contractor had completed approximately 10 % of the work before I found out that they wasnt honest and was trying to take advantage of my, so I hired a new contractor. Before any further work was performed, I ordered an inspection for the house to validate what percentage of work was completed, the bank sent XXXX XXXX to my home to conduct the inspection, it took a few minutes, the inspector just took a quick video and completed the inspection saying 20 % was completed. All of the work that was done was out of my own pocket at that point, the bank refused to release any funds other than {$12000.00} that I paid out of pocket for materials. I begged and pleaded with the bank to release the internal draft, but they refused, I stopped paying my mortgage in-order do the repairs on my home, Im currently renting a home for {$4600.00} per month, and no longer have funds to continue to pay. My XXXX children and I will be moving into a shelter on XX/XX/2023. The bank is requesting that the inspection is at % in order to release any additional funds. I had another inspection on XX/XX/2023 from the same company XXXX XXXX, after I completed XXXX bathroom, Sheetrock for 85 % of the walls, flooring base, paint XXXX bedrooms, living room, hallways kitchen out of my own pocket, but the bank still refused to release additional funds, the rejected my request and said only 20 % of the work is completed, but 25 % is needed to release funds, being that two inspection was done both saying 20 %, now the bank is saying I need the final inspection to release the funds. Two different inspections from the same companies and both reports says 20 % completed. The bank has been holding over {$100000.00}. In their account for almost 6 months now collecting interest on the funds. I will upload photos of my home to show the work that has been done. This is unfair to me and my family, my insurance policies was to repair my home, I should have to live in a shelter, and now face foreclosure from the same back that refused to use the fund to repair my home so we can move back in.
Product: Credit card

I have an apple card through Goldman Sachs and I was set up for auto pay with apple pay for my XXXX payment. Apple/Goldman Sachs auto-pay function did not process my payment and I was charged {$36.00} in late fees. Payment was due at XXXX  on XX/XX/XXXX. On XX/XX/XXXX at XXXX the auto pay went through and instead of taking the prior month balance, they took our two months balance of approx {$3900.00}. I called to dispute the interest payment as it was an error on their side. Furthermore, they did not take any responsibility for over debiting my account for two months instead of the one month that was only due. I should have received interest from them for the over debit to my account. Lastly, I called to ask for backup to the interest calculation. I called 20 different times and spoke to numerous supervisors and Goldman Sachs never provided me with any backup to the calculation of the late fees charge to my account. Goldman Sachs did credit me {$25.00} recognizing that this was their error, but they would not credit the full amount back. I demand {$11.00} credited back to my card that was charged in error. I also demand full back up of their opaque late fee calculation. And I demand interest from them for auto debiting my account two months and over {$3000.00} more than what was owed on XX/XX/XXXX. I lost one month of interest on the {$3000.00} and at 5 % annual interest is approx {$12.00} in interest they owe for taking 2 months of payments and not the one that is contractually obligated. Goldman Sachs has horrendous customer service and the level of ineptitude and shady business practices is alarming. I have grave concerns about how they treat customers with these over charges.
Product: Debt collection

I am writing to request your help with U.S Bank. I dont know what else to do. So I hope to have a fair solution to this issue that US Bank has  cause on my credit score. I tried to solve this with them on XX/XX/XXXX but they did not respond my dispute, and they did not even investigate the account or mark the account as disputer ( violation under the Fair Credit Reporting Act ).

The account I am writing about is the following : FTC REPORT NUMBER : XXXX Account : U S Bank : XXXX Date Opened XX/XX/XXXX Bal {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint to XXXX  and the file # is XXXX. 

Dear Sir, COMPLAINT AGAIST CITICARD I am an XXXX year old man, XXXX. On XX/XX/2020, I came to XXXX for vacation. Because of Corvid, I am stuck in XXXX. 

In XXXX, I received a call from Citi card that some body had used my card and they are cancelling it. I requested them to send the new card in my XXXX address and made the lady to read y XXXX address to ensure that she has my correct address. That card never reached me. 

In the old card I did not owe them any thing. In the new card, which I did not receive, they have been charging me finance charges every month. On XX/XX/XXXX, I talked to a lady named XXXX and she waived the finance charge of {$52.00} which I did not owe them. Their Confirmation number is XXXX. 

Even though the finance charge was waived, they kept on adding finance charge over finance charge. It is over {$100.00}. Three times the customer service told me that their supervisors will call me regarding my complaint. They never did. 

THE CITICARD COMPLAINED TO XXXX AND THEY REDUCED MY SCORE FROM LOW XXXX TO MID XXXX. I REQUEST YOU TO DEMAND THEM TO PUT BACK MY CORRECT CREIT SCORE. 

The City card personnel treatment of my wife and me was nasty, cruel and unkind. As soon as I am back in XXXX I will cancel my account and will never deal with them. 
I request you to order Citi card not to charge me anything and warn them not to treat other customers, like they treated us. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Debt collection

I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employm
ent numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response. 
Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive seen an inaccuracy on my credit report my mortgage account it states that there is balloon payment which is not accurate there is no balloon payment. Please update the following account : XXXX XXXX acct XXXX XXXXXXXX Update balance to {$230000.00}
Product: Credit card or prepaid card

In XXXX, Requested a replacement card so that I could set up my online account. The company associate closed my account instead. I never received a replacement card and stopped receiving billing statements. So I have absolutely no visibility into the account. I would call and was told that I couldnt pay the bill because the account was closed due to Fraud. Never reported fraud or that it was stolen. I also was told that I couldnt get a replacement card which was my initial request. So now I still cant pay my bill because of their error. They reported it to the credit bureau and saying that the only way I can pay is through collections. I was also told by their fraud manager that there was a system glitch on their in. So Im being negatively impacted because of a company error.
Product: Money transfer, virtual currency, or money service

i brought something from a merchant on cashapp. I sent this person {$150.00} and they wont give it back so the companies told me i have to get it back from the seller, but they seller wont give it back. the merchant did not send the product and stop answering my calls. cashapp told me there was nothing they can do about it. my card company ( XXXX, XXXX ) told me there is nothing they will do about it. i was scammed out of my money and every company is telling me they wont do anything about it. they did an investigation and found no error. I dont know how me getting scammed was no error but i want my money back.
Product: Credit card or prepaid card

It started when i got XXXX for the FIRST time in the middle to end of XXXX. I was out of work for a month, and i could not leave the house. Fortunately, i had enough saved up to make all my payments on time. I returned to work and because of XXXX XXXX my company cut my pay 20 %. Then after a month of working at less salary then i was used to, i unforunately caught XXXX XXXX. This time i was out of work for another month, both because i was sick and as precaution. This time i could NOT afford to pay all my bills when i was out. I fell behind on a lot of things but i was able to eventually catch up 5 months later and i have been on time and going strong ever since. I even got my original pay back. I was physically unable to pay on time and because of that, financially unable to do so too. I reached out to CCB, who owns the XXXX XXXX, and tried to beg with them to work with me, not on late payments, i paid them ALL OF THOSE, but on their credit reporting. They not only refused, they didnt even answer me. Those late pays in those months have destroyed my credit and even though i make good money now, i can not get into a house for me and my, now, XXXX kids. We have been renting and are struggling all because of COVID and this company 's unwillingness to work with me even a little bit. I am not asking for " financial relief '', they can keep those late payments as good faith, i just am begging for all, or ANY, of the late payments between XXXX XXXX and XXXX of XXXX to be removed. I know the bureaus will report what they are told so this is up to CCB and they seem to just not care at all about customers or the family.
Product: Debt collection

Dear CFPB Team, I am writing to formally dispute a collection account that is being reported on my credit report by National Credit Systems. Per my credit report it shows a collection in the amount of {$5900.00} for account number XXXX originally reported on XX/XX/year>. This account does not belong to me, and I have been attempting to resolve this issue since XX/XX/year>. 

Despite my repeated requests for proof of this alleged debt, I have yet to receive any documentation substantiating the validity of this account. As a consumer, I have the right to challenge inaccurate information on my credit report, and I am asserting my right to request the immediate removal of this collection from my credit history. 

I kindly ask that you investigate this matter and assist me in ensuring that this erroneous collection is removed as soon as possible. Attached to this letter, you will find documentation of my correspondence with National Credit Systems regarding this issue. I sent my letters requesting proof of receipt and have also included the copies from National Credit Systems that confirms they received my letters. Per law, they have 30 days to provide me documentation of the debt, which I still have not received.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per complaint XXXX To whom it may concern, Well after 17 years and finally filing a complaint with the CFPB Experian finally gave me my credit report. There of course has been continued years of mental anguish and financial destitute due to the fact that they would not allow me the ability to see my credit report and fix the false and inaccurate issues. That of which they have knowingly and willfully allowed to continue, as to harm the very financial livelihood that many of us depend apon to XXXX in life.Experian do you think you get a free pass, and that you need not worry about punitive damages to me? No you do not get a free pass! You must one another lawsuit what {$18.00} XXXX to the lady in Oregon wasn't enough for you guys to figure out you shouldn't be doing this stuff. Holding people 's life hostage under financial destruction. You had my information just wondering why you haven't contacted me concerning the punitive damages I guess court is what's gon na have to occur. 
I mean what the hell you can't even get my name right on XXXX XXXXXXXX credit report All cabs except for the suffix which is in lower case ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called to cancel my service with XXXX in late XXXX XXXX, 2019, because the equipment was not working. They said they would, but I never received a confirmation. When I didn't receive a confirmation, I called again. Again, they said they would cancel my account. But they did not cancel my account. I called a third time, and mailed a letter, to cancel. This was finally acknowledged, and they canceled my account in late XXXX. However, they charged me for XXXX, even though the equipment wasn't working ( and I tried to cancel twice previously ). 

They sent the account to Credence Resource Management , LLC, and I have to continually dispute this debt. 

I sent them the evidence that I sent to XXXX in the mailed letter that finally resulted in them acknowledging my cancelation. 

They keep contacting XXXX, and XXXX says it is a valid debt. It is not a valid debt. They did not honor my cancellation until the 3rd time I contacted them. You can not charge me for what I did not agree to pay for and additionally, when service was not provided.
Product: Debt collection

DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. 

LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.

605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 )
Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction
involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally
or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
XXXX XXXX
Product: Credit reporting

I sent out certified letters XXXX XXXX, XXXX to each of these companies below to verify that it was in fact me who made these inquiries with verified proof. They neglected to respond and now you are at fault on reporting this unverifiable information. You are required by a Federal law to remove them from my credit report. 
Name of Company Date of Inquiry Type of Business XXXX XXXX XXXX. XXXX/XXXX/XXXX Department And Mail Order XXXX XXXX. XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX BANK. XXXX/XXXX/XXXX XXXX And XXXX XXXX. XXXX/XXXX/XXXX XXXX And XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX And XXXX XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX The failure on their behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX XXXX, FL Courthouse in order to defend yourself.