23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Consumer complaint narrative During the month of XX/XX/2018, I had received several notices from XXXX Insurance stating my insurance coverage had not been paid both my agent and I made several calls to both XXXX  and Neighborhood Lending Services. The insurance was to be paid by XX/XX/2018. The documents I received and the communications by both my agent and myself resulted in numerous excuses as to why the payment had not been paid. We were given several phone numbers and various address to either fax or send the request for payment. We were promised the payment would be sent overnight. To date the payment has not been sent. I have in my escrow account close to {$6000.00} and the insurance is approximately {$3000.00}. Upon doing further research I have found over 23000 complaints about how this servicer will not pay your insurance and then force you into a forced insurance. 

I have supporting documentation including recorded conversation of my communications with both Neighborhood Lending and XXXX. XXXX sent me a letter stating that they had no proof of insurance coverage and they were purchasing insurance which I will have to pay them and the rate will be much higher than what I am currently paying. I have found that Neighborhood Lending has the exact amount due XXXX. I have also received a letter stating I put a stop payment on my mortgage payment. This is not true, all checks have been cleared.
Product: Credit reporting or other personal consumer reports

Identity Theft Police Report attached. Credit Information is still inaccurate despite advising inquiries were unauthorized, inaccurate personal information listed and despite history of XXXX XXXX # XXXX and XXXX XXXX # XXXX was updated the account status failed to update to reflect change.
Product: Credit reporting or other personal consumer reports

please check the information concerning the XXXX data breach below in attachments.
Product: Mortgage

I have a HELOC with Bank of the West and have been unable to repay the HELOC due to an inability to transfer funds from an external bank account to Bank of the West. The external transfer process on Bank of the West 's website is completely blank. There is no ability to even try to initiate a transfer. Without this ability, I'm unable to paydown my HELOC and am incurring interest that I should not be responsible for as it's due to a failure by the bank to enable a paydown. 

I tried calling the bank on XX/XX/22 and was stuck on hold for over 2 hours with no response from the bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX collection showing on my credit report. This account does not belong to me. The amount is {$830.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed in form to to get the 3 free credit reports. I have only received one from XXXX. Transunion sent me a postcard asking for more documentation in XXXX. I sent them the requested documents immediately. I received nothing back from them and I've received nothing from at all from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  requested my score from  XXXX  bureaus. The reporting agency was  XXXX .    XXXX   XXXX  Experian  XXXX  Experian  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  reported a  XXXX  Score of  XXXX  I pay Experian for my monthly score, they reported  XXXX    XXXX   XXXX   XXXX   XXXX  reported  XXXX  Why is it that when I request a loan, the scores are significantly lower than the scores that are made available to me otherwise?
Product: Debt collection

I 've requested debt validation and the company has failed to provide any proof that I owe anything.
Product: Bank account or service

A tenant of mine went to a Wells Fargo Branch Bank at XXXX XXXX XXXX XXXX, XXXX, VA XXXX, Phone # XXXX XXXX, Branch Manager : XXXX XXXX on XX/XX/XXXXHe presented a payroll check # XXXX, Drawn on XXXX XXXX XXXX in the amount of {$2000.00} dollars. The tenant XXXX XXXX was given cash by this branch. The check bounced. We had a joint account ending in # ... XXXX with me at that time for him to direct deposit his rent. We keep no money in the account it comes in we transfer to our rental account. The bank XXXX loss prevention on XXXX deposited XXXX into this joint account, the account was charged XXXX item return fee, then deducted XXXX, then on XXXX charged XXXX overdraft fee for the XXXX return and credited XXXX to the joint account. We closed this joint account. On XXXX the bank unlawfully took {$2000.00} from my personal account ending # ... XXXX. I was told by my local XXXX XXXX XXXX branch that I must to XXXX XXXX branch to get this corrected face to face. 
I did so, a XXXX mile round trip for me. I met with XXXX XXXX the branch manager. Who issued me a deposit ticket for XXXX back into my # ... XXXX account. I thought the issue had been resolved. No such luck. The {$2000.00} was never credited to my account. 
Again this appears to be unlawful. I have been referred to claims dept, research dept. then to loss prevention etc. round and round still no refund of the funds in this unlawful transactions. Please help me to get the funds the Bank Stole from me. I am not the payor or payee of the payroll check. An innocent party. Help. Do I need to go the the federal reserve or my Senator, or can you help?
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATEXXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Student loan

At the age of just XXXX I was already being pressured into a student loan. I was not considered an XXXX although I did not have contact with family and was supporting myself financially. I agreed to a student loan with XXXX / Navient. After a few academic semesters I had to choose work over school as I was my sole income. I explained this situation to XXXX many times. I was often called and harassed to make payments of {$220.00} a month on a total balance of {$3500.00}. This at the time was not physically possible for me to do. I was never offered an option for income-based loan repayments. Instead I was offered forbearance twice for a total of XXXX year. After this I was still unable to make those high payments. My loan went into default and after years of begging to make $ XXXX monthly payments rather than no payments I was denied. I could n't even go back to school to possibly defer payments since I was in default. This in turn ruined my credit at a very early age which caused me to accept unethically high APR on auto loan and to be denied credit for many instances. It was only XXXX years ago that I entered the XXXX XXXX program which allowed me to get my loan out of default. Once again they wanted payments in the amount that I could not afford. I was forced to extend my loan out by many years just to afford payments. Not to mention the incredibly high fees for having transferred loan between lenders and collections. This small student loan will end up costing me more than double the amount I originally borrowed. It has taken me years to semi-repair the damage.
Product: Credit reporting or other personal consumer reports

This XXXX  account is showing XXXX different amounts of late payments. Also, this account was closed in XXXX and they are STILL reporting on my credit report as current as XX/XX/XXXX. The information should not be reported being any longer due to the account being in closed status. All inaccurate late payment history from XXXX up to date should be deleted along with the account. XXXX report states XXXX missed payments while another states XXXX. All being reported on a closed account since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear CFPB, I am writing to express my deep frustration with the ongoing inaccuracies and potential violations of my consumer rights as reported by Experian. This is my fifth letter regarding this specific issue, and I am disappointed that the CFPB has not taken sufficient action to address these problems. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Potential Violations : Inconsistent Account Status : The account is simultaneously listed as " Charged Off '' and " Closed. '' This is contradictory and may be a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ).

Past Due Amount on a Closed Account : The account shows a past due amount of {$150.00}, despite being closed. This is inaccurate and may be a violation of the FCRA, specifically 15 U.S. Code 1681c. 

Inaccurate Payment History : The payment history shows inconsistencies and potential errors, which could be negatively impacting my credit score. This may be a violation of the FCRA, specifically 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ).

Missing Form 1099-C : I have not received a Form 1099-C for the tax year in which the account was charged off. This is a violation of IRS regulations and may also impact my tax obligations. 

Potential Privacy Violations : The reporting of inaccurate information on my credit report may be a violation of my privacy rights under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681g.

Potential Violations of the Fair Debt Collection Practices Act : If any debt collection practices have been employed in relation to this account, they may violate the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692.

I am concerned that the CFPB is not conducting adequate due diligence in investigating these complaints and enforcing consumer protection laws. I urge the CFPB to prioritize this matter and take immediate action to resolve these issues. 

I have attached copies of my credit report to support my claims. 

Thank you for your time and attention to this matter. 

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

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX {$28000.00}
Product: Credit card or prepaid card

XXXX XXXX will has not returned my {$200.00} security deposit, after closing my account, which happens to be paid as agreed. And paid early every month. 
They will no acknowledge anything, other than snide remarks upon my credit files.
Product: Credit reporting or other personal consumer reports

There is a loan on my credit report from XXXX XXXX that I did not open or apply for. There is an inquiry date of XX/XX/year> and loan opened on XXXXXX/XX/year> for the amount of {$7500.00}. I do not have an account with this company nor did I apply for a personal loan.
Product: Debt collection

There is an account for XXXX XXXX. This account was already collected on when they sold my account to the collection agency and now theyre trying to milk money from me. I dont owe this company anything theyve already gotten paid for the debt owed to this account and I will appreciate if this is removed from my credit report. I will continue to dispute this until it is removed on my credit report. I am not paying on a collection item that was sold to a debt collecting agency and now youre trying to milk me for more money. No this debt has already been satisfied and paid many years ago. Please remove this from my credit report.
Product: Debt collection

On XX/XX/XXXX at XXXX, I spoke with a rep by the name of XXXX ( Emp ID : XXXX ) about the termination of my XXXX services due to a violent change in my relationship status. I was told that all early cancellation fees and service charges would be waived as a courtesy and was given a cancellation number of XXXX. This was okayed by a supervisor after being on the phone with the " Loyalty Department '' for over an hour. Today, I was contacted by Credence Resource Management by an irate " manager '' by the name of XXXX XXXX demanding payment on the aforementioned XXXX account for {$510.00}. I informed him that I was told by XXXX that no payment would be due on the account due to my extenuating circumstances. I was also contacted cy Credence on XX/XX/XXXX about the same issue and informed them of the same. This company has refused to supply me with proof that this is even a valid debt, which it IS NOT, and are telling me my current address is one where I lived at 6 years ago.
Product: Credit reporting or other personal consumer reports

The loans were forgiven on XXXX XXXX they are still being reported to my credit report as money owed. This is inaccurate please update
Product: Credit reporting or other personal consumer reports

I got a letter from XXXX dated XX/XX/year> regarding XXXX loans I have never taken out.
Product: Debt collection

Caller called from XXXX indicated I owe a debt and they are calling to collect. I do NOT owe any debt other than my mortgage, student loan and credit cards that are ALL current
Product: Bank account or service

XXXX XXXX - Banking Center President of XXXX showed unprofessionalism by taking the initiative to say Prosperity bank is not willing to accept customers with issues like XXXX. As an XXXX myself he decided to laugh in my place and say ; listen to this guy ' What options do I have
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps putting fraud alerts on my file without my permission, I did not request them to do it, nor did they contact me before doing so. I want it removed from my file ASAP, and notified by email and phone call that is was removed.
Product: Checking or savings account

Wells Fargo kept charging me {$35.00} overdraft fees daily on charges I never asked them to cover and they didn't cover. They charged so much it became overwhelming and my account was closed.
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 actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I have a current mortgage with Lakeview Loan Servicing , LLC. We bought our house on XX/XX/XXXX, so our first escrow analysis was due in XX/XX/XXXX. We received our analysis that said had an overage of {$460.00} and that it would be mailed separately. Our account " shows '' that a check was issued on XX/XX/XXXX. I called the company on XX/XX/XXXX to inquire about my missing check. I was told there was nothing they could do for me until the check had been missing for 30 days. She wouldn't even document that it was missing because it was two days early and I would just have to call back. 
I called back on XX/XX/XXXX because I still had not received my check. The representative I talked to assured me that she would expedite my claim and check would be in the mail no later than Friday, XX/XX/XXXX. I once again called on XX/XX/XXXX because I STILL have not received my money that they are withholding from me. This time I was told that the check had been issued XX/XX/XXXX and I should have it soon. I received an e-mail the same day that said my escrow refund was now in process! I'm still not even sure a check has been issued. This is well out of the 30 days that is allowed to issue a customer their overage on their escrow account. 
I have tried to be fair with Lakeview Loan Servicing , LLC. However, they have grossly mishandled this situation. I asked the last representative that I talked to if there was a way to wire or overnight my money since we are going on 60 days without it. He said that was not possible. I did ask him to note in my account that if I had not received my overage by Friday, XX/XX/XXXX then I would be filing a complaint with the CFPB. I have never been late on a payment in my life and they can't seem to refund my money according to the government guidelines. I will be interested to see how long it takes for me to actually get my money that they are withholding.
Product: Credit card or prepaid card

I call to resolved this issue with the merchant and after a failed attempt I initiated a case with the Bank. I spoke with approximately 7 people on XX/XX/XXXX about this situation. Representatives talking to me as if I did something wrong- Unbelievable! <P/>I am absolutely appealing the denial of my claim. The merchant did not receive my authorization to charge the amount and this is Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been diligently trying to rebuild my credit since XXXX ... I have disputed / reported many discrepancies & have successfully removed a lot of them ... however, there are presently 2 items within the 3 credit bureaus that are inconsistent ; a collection is removed by both XXXX XXXX XXXX, but it is still on Transunion ... a medical collection is removed by XXXX / Transunion but still appears on XXXX... finally, my length of credit history is inconsistent for all of them ; Transunion is the only bureau that recognizes that I had a Dept. of Education loan that closed back in XXXX, yet all 3 bureaus insist my score age is only XXXX XXXX  old. I had messaged XXXX prior to this complaint, and was told by an employee " I dont have access to your Transunion account '' to which I was astonished by. I have a Fair rating as of XX/XX/XXXX and feel these inconstancies are preventing my score from being Good to Very Good. 

As previously mentioned, I think as an individual I've done all I can with trying to resolve said issues with the 3 individual agencies and the CFPB. I think now would be the time it'd be worthwhile to seek professional advice / action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is about the following accounts : XXXX : ACCT : # XXXX, which you claim, I owe {$11000.00} or my account was charged off {$11000.00} ]. 

This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following accounts have violated my rights : XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX , Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I got a letter in my mailbox two weeks ago stating I owed {$1300.00} to " XXXX XXXX '' on XX/XX/2019. I have never used services from this company. I have responded by email to their designated account id on the collector 's website, but have not heard from them yet.