23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since I bought my home back in XXXX my FHA monthly payment has been for $ XXXX {$1400.00} including hazards insurance. The differences reflect shortage in escrow. To my surprise in XX/XX/XXXX when I called to have them remove my PMI I found out that my mortgage company removed my Hazards insurance from my mortgage monthly payments without my authorization and I was left without insurance. I called my mortgage every day since I was told, I talked to escrow department, Escalation department, and with the Insurance department. they said I had to pay for my insurance to have them reinstate my insurance into my mortgage and I said no! they have my money that I been putting into escrow and they have my money. Now they paid my insurance and made me sign and agreement to have them put my insurance back into my mortgage, which I find disturbing because they didn't asked me to sign anything to have it removed. so, now my mortgage has increased to {$1500.00} to cover for the insurance they paid to farmers {$1400.00}. This is very unfair, since they removed my PMI I should be paying for my mortgage {$300.00}, so where is the benefit of having my PMI removed. They have my money in escrow to cover for the hazard insurance where is the money. All these years I have never paid no more than {$1400.00} including hazard insurance and taxes. 

Please advice, I have been very stressful trying to settle with my mortgage company and nothing gets done. I need your help and advice.
Product: Credit card or prepaid card

Today, XX/XX/XXXX I called Capitalone at XXXX XXXX ( In North Carolina Eastern time ) to not only make a payment, but determine why a purchase I made last week didn't post yet and the system wasn't allowing me to pay the entire amount. I wanted to make the entire payment of XXXX which includes XXXX ( the payment that was still pending ) in addition to the account balance of {$270.00}. I was told by the customer service rep that on her end it wasn't pending but processed, approved, and posted therefore I asked why doesn't it show that on my end instead its still in pending status I guess she couldn't explain so she transferred me without my knowledge to a gentleman in which he stated the same thing she stated, but that I wouldn't see the posted status until XX/XX/XXXX and that I basically couldn't pay the pending amount since it wasn't posted on my end just their end. Still doesn't make sense to me. 

Because my lunch was over I decided that later I'll call or log online after work to make my payment. I went to pay online at XXXX XXXX and I was given a message that b/c it was after XXXX XXXX I couldn't pay for the XXXX I had to choose the date of the XXXX therefore I called Capitalone to explain to them what's going on & I was told that there's nothing that can be done by XXXX the rep as well as XXXX the Supervisor and that I will receive a late fee because it was after XXXX XXXX. I explained that I've been a long time customer, since XXXX and because I've been on time with my payments that my payment should be accepted for XX/XX/XXXX because technically the day wasn't over until XXXX XXXX and it was only 2 minutes after the XXXX XXXX  deadline based on what XXXX informed me of when I called in. They weren't open or willing to work with me at all or consider the facts or valid points just very cold nonchalant no empathy especially considering these stressful times and the fact that I called in earlier today on XX/XX/XXXX to pay my balance in full. I believe they decided not to post the {$170.00} today because they want my account to accure interest b/c why else would it post and is approved on their end but not mine??? 

Also, I added screen shots as attachments to show the system graying out the XXXX only giving me the option of the XXXX, when I called Capitalone, and an email that shows my email timestamp of XX/XX/XXXX verses the date in Capitalone 's email stating the payment will be considered for XX/XX/XXXX instead.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These action have caused significant inconvenience and financial loss, and I seek appropriate readdress for these violations.
Product: Credit reporting or other personal consumer reports

Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Experian Customer Service, I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries that have appeared on my credit report as a direct result of identity theft caused by the XXXX data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information from my credit file upon receipt of notice and supporting documentation. 
The accounts and inquiries in question include : Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/year> To assist in your investigation and fulfill your legal obligations, I have provided the following documents : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report The XXXX data breach exposed my personal information, which has resulted in fraudulent activity on my credit report. I expect Experian to take immediate action to rectify the harm caused by this breach and comply with its legal obligation under the FCRA. 
I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if Experian chooses to reinstate any of the disputed items, I expect a detailed explanation, along with the evidence used to validate their accuracy. 
Failure to comply with my request will result in further action, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. 
I expect a response and resolution within the legally required timeframe. If you need further information, you may contact me directly at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address SSC FTC
Product: Debt collection

I have been receiving calls from a company called XXXX   XXXX then yesterday XX/XX/2010 I received a call from a company Plaza Services yesterday and they all say they represent this loan I have from XXXX XXXX XXXX. They all threaten to sue and put a legal issue on my house and job. I asked Plaza to verify the debt similar to asking XXXX XXXX   and Plaza threaten to sue me by Friday if I didn't pay on the debt. I told the guy XXXX I had a right to receive validation of the loan and he advised that if I don't make an arrangement today that he is sending the debt out to be sued. I told XXXX that I thought XXXX XXXX have and he said that Plaza XXXX have. Under threat I set up an arrangement for a {$170.00} for 18 months. I want this debt validated under FDCPA. I think the practice this company Plaza and XXXX   XXXX practice is unlawful. I should not be forced to pay a debt that I have never seen before nor have the option to validate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a multi-car, low speed crash, in traffic, XXXX years ago+. 
Only recently did I learn that it reports at careless driving with the company Checkr. Ive driven over 1 million miles in 4 decades plus, without incident. I am not a careless driver. This reporting is keeping me from driver for XXXX or XXXX. I need to make a living, to survive. Please remove or correct this reporting. TY
Product: Credit reporting or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN XXXX HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN XXXX HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY!

15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!

15 U.S. Inaccurate inquires that need to be removed XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX equifax XXXX XXXXXX/XX/XXXX equifax XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

My car dealership American car center went out of business in last year. I was not notified bout the car business being bank rupt and shut down. I try to reach out to consumer and they later gave me information to west lake financial company. A company that collect debt and does loans. I went ahead and sign up to continue my payment due to false information from costumer service agent that I had only 9 payments left for the car to be paid completely off. I ask west lake for original contract and it taken 4 months before they could provide me with my contract. I paid off car in XXXX XXXX. Then west lake tells me the car was least and I had to pay off residual of XXXX. Them the car will be offical paid as purchased. I wasnt known of this issue of least. I thought I was buy the car already. 

I ask my lawyer XXXX XXXX to step in this matter. He sent out multiple letters and asking the company of west lake to reach out. Westlake financial never reached out to lawyer XXXX XXXX goin on 3 months now. I was referral now to consumer by him.
Product: Credit reporting or other personal consumer reports

these are the fraudulent accounts that I seen on my credit report : XXXX XXXX Bank XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card

On XX/XX/year> I tried to make a purchase at Dillards and was told card declined. I called Dillards Wells Fargo ) on XX/XX/year> and was told that XXXX XXXX  now service my Dillard 's card then I called XXXX XXXX  and was told that my payment is late. I stated that I sent the payment to Dillards ( Wells Fargo ) that was received on XX/XX/year>. XXXX XXXX  stated that my payment is due on XX/XX/year>. I said I will request refund from Wells Fargo ; and I do not understand why during their transition that the banks did plan that Initial payment from consumers would be sent to the correct service provider. I called Wells Fargo who source customer service out to the XXXX ( very frustrating ) told me there is nothing could be done. I continue calling others numbers at Wells Fargo until someone told me that my money will be returned the way I sent the money which was electronically. Again, Wells Fargo received my money on XX/XX/year> verified by my bank and as of today my money has not been returned. XXXX XXXX  is waiting to be paid and will charge me late fees because Wells Fargo is holding my money when there is no longer an account but they get to earn interest.
Product: Mortgage

I am working on buying a house from XXXX XXXX XXXX. They will only use 21st mortgage for their used homes. They said they do not deal with any other mortgage company. I applied with 21st and was denied because of a problem I had with them 20 years ago. I asked them if there was a way around that since this dealership will only deal with them and they stated that if they ever had a problem with you they will never do business with you again. This all took place this week. How long can a bank blacklist you from doing business when the information has been off of my credit report for at least 10 years?
Product: Payday loan, title loan, or personal loan

I have been contacted by XXXX and XXXX at Tower Loan in XXXX, Missouri regarding my past due bill. I have explained that I have no job and no money at this time. In fact, I can't even make ends meet. There is absolutely nothing that I can do at this time. However, I have continued to receive daily repeated phone calls, which I chose stop accepting because I have repeatedly explained that I could not afford to do anything. Today, XXXX had contacted several of my references in an attempt to get me to call her back. It is an intimidation tactic, which borders on harassment since she knows my phone number is correct. I do apologize for being in this situation, but I have repeatedly told XXXX and XXXX that I have XXXX money and calling my references is not going to achieve anything. 
I refuse to speak with Tower Loan anymore. 
Please tell Tower Loan to stop calling myself and my references.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit is taking a hit due to the negligence of this company and I need it off my credit report immediately
Product: Debt collection

As I can remember I had a court order documentation to order by the Judge to have my son XXXX  evaluated. They authorizes picked him and took him to the hospital. I should not be responsible for the debt. Plus I never go a bill regarding this matter sent to me to get a head start complain about it.
Product: Credit card or prepaid card

On or around XX/XX/ I received an alert from my Financial institution that an attempt was made to change personal information on my account. ( not the account in dispute ). I called the bank and confirmed several unauthorized transactions were made. The next day I received messages from XXXX that orders had been made in my name, all using my Paypal line of credit through Synchrony Bank ( 4 in total ) I was able to resolve all but one of the unauthorized transactions my contacting the XXXX sellers directly and informing them that the purchases were fraudulent and requesting a refund. I was unable the resolve the one unauthorized transaction with the XXXX seller, who would not refund my money, I contacted Synchrony Bank to inform them of this unauthorized transaction, and opened a fraud claim. After about two weeks I received a letter that informing me that my claim had been denied with the reason being that " I authorized, participated in, or benefited from the purchase '', which is completely false. I called Synchrony Bank to inquire about their decision to deny my claim. The person I spoke with said they would submit the claim again and I provided additional informing them that I was the victim of identity theft, and requested to speak with the investigator who would be handling my claim. Two weeks later I received a letter from Synchrony Band informing me that the claim was being denied again for the same reason with an additional reason stating the the item was shipped to my address, which it was not. I never contacted by an investigator as I requested, and the claim was closed before I was given the opportunity to submit a Fraud Investigation Form which I received in the mail days after my claim had already been denied, not giving me the opportunity to provide information related to my claim.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report on todays date XX/XX/year> I was surprised to see that this account is being reported as a charged off account on my XXXX report when in fact as is shown on my other two reports this account has been paid off. This has caused me significant stress and explains in part the reasoning why I have been having a harder time obtaining credit and have had higher interest rates for the credit I have received.
Product: Credit reporting

Trans Union is in violation of the Fair Credit Reporting Act, Section609 ( a ) ( 1 ) ( A ). TransUnion is required by Federal law to verify, they have not and continue to report inaccurate information.
Product: Payday loan, title loan, personal loan, or advance loan

Under USC 1666B this is a billing error always paid agreed on time this is an error .This account is in violation. Please update this late payments in the Credit Report or I will seek LEGAL ACTION AGAINST XXXX XXXX XXXX of my Fcra.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Direct Dispute which was submitted to Transunion for investigation. It has been almost two months and Transunion is saying that this is still under investigation. I submitted the dispute to Transunion on XX/XX/XXXX. Today is XX/XX/XXXX. This morning I checked the status details and it is only indicated that the status is Under investigation and that it the investigation should be completed by XX/XX/XXXX. 

The item that I submitted to be disputed is : XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX {$480.00} Open balance XXXX Original creditor XXXX   OpenedXX/XX/XXXX ( 11 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor XXXX Report info
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, 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. I demand to see the 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 accounts listed below. I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the following accounts with XXXX, Equifax and XXXX for almost 6 months now. 

Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX XXXX ( I asked them to verify that I was ever late on this account ) They failed to provide with this information as well as how did they come to the conclusion of ( account has been verified ) Source : XXXX  Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX I have contact XXXX myself and ask them to validate this account to be mines via mail. The company responded that in fact the debt has been sold to a company by the name of XXXX XXXX. I have written letters that I sent out of this proof and the bureau is still reporting this unverified and incorrect information. 

How have you properly verfied this information and it has been sold to another company that isn't even being reported or has any information on me? 

Source : XXXX  Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX I asked them to verify the account that I was ever late. It came back verified. I ask for a reinvestigation and what supportive documents did they see to come to this conclusion. They responded by ( the account has been updated ) Source : XXXX  Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX SIMPLE I ask for a reinvestigation and to see supportive documents that proves this is my account and that I was ever late. ( They did not ) They responded with account updated Source : XXXX  Date Submitted : XXXX XXXX, 2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX Court Name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX Type of Record : Bankruptcy Reference Number : XXXX XXXX has deleted this invalid information from their system because it can not be properly verified. The bureaus ' verify Bankruptcy information through XXXX and this should have been deleted once XXXX proved that this item was unverifiable.
Product: Money transfer, virtual currency, or money service

I was involved in a love scam which I reported to the federal trade commission and the internet crime complaint center .gov website. I contacted the local police department who failed to do anything because this is an international crime. I disputed with the banks several times but they failed to do anything because I authorized the transaction because I was tricked into helping someone I thought who would help me in return if I helped them and was harrassed and blackmailed by threats to broadcast XXXX videos on XXXX as well as being tricked an manipulated. I lost over XXXX  dollars in funds since XXXX. No one has looked into or helped me with this case since when indeed this is stealing. The suspects name is unkown but his fake name is XXXX XXXX he made up or stolen from someone. The spoofed and untraceable email is XXXX. His XXXX  XXXX  user name on XXXX  XXXX  is $ XXXX XXXX XXXX account. His XXXX XXXX account spoofed or untraceable number is XXXX XXXX XXXX  The real suspect is unkown and possibly from XXXX XXXX XXXX XXXX which I communicated back this information through a scam haters united support page for suspected victims and preventing scams and blackmalers.