23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On   XXXX   XXXX   XXXX  , I was noticed of the following from the  I.R.S.  : " Per our records  XXXX   XXXX   XXXX  received {$300000.00} in cancellation of debt from SPECIALIZED LOAN SERVICING,  LLC  -  XXXX .  XXXX   XXXX   XXXX   XXXX  's cancellation date occurred   XXXX   XXXX   XXXX  . '' and " Per our records  XXXX   XXXX   XXXX  received {$300000.00} in cancellation of debt from SPECIALIZED LOAN SERVICING,  LLC  -  XXXX .  XXXX   XXXX   XXXX   XXXX  's cancellation date occurred   XXXX   XXXX   XXXX  . '' I did not execute any debt instruments in favor of Specialized Loan Servicing, LLC ( "  SLS '' ).   My husband  XXXX   XXXX   XXXX  did not execute any debt instruments in favor of Specialized Loan Servicing,  LLC. It i s an impossibility for SLS to have purchased debit instruments that comport with the debt forgiveness figures SLS reported to the I.R.S.      XXXX   XXXX   XXXX ,  XXXX  has no authority to report to the I.R.S. that it cancelled debt on   XXXX   XXXX   XXXX  , relating to my social security number, nor my husband 's social security number.     Apparently,  Specialized Loan Servicing, LLC used  my identity and my husbands identity in a fraudulent scheme to take tax deductions to which it has no right, and to harass me, my husband, and my family.
Product: Bank account or service

I am a XXXX year old victim of check Fraud. I hired a handyman named XXXX XXXX. He stole numerous checks and forged my signature. The signature on the checks that he forged was very different from my signature. I never authorized him to sign the checks. TD bank cashed the checks totaling {$8600.00} without confirming the signature and assessed me another {$1500.00} in returned check fees. I could not address this because I was in the hospital and XXXX following XXXX. When I was physically able to challenge the forged checks TD bank only refunded {$2600.00}, stating I took to long to challenge the other {$6000.00} and they refused to credit me the returned check fees that were caused by TD Banks acceptance of the forged checks. I want TD Bank to refund all of the forged checks, ( {$6000.00} ) and to credit my account for the returned check fees caused by their failure to reject checks that did not match my signature.
Product: Credit reporting or other personal consumer reports

There is a collection account called XXXX XXXX XXXX XXXX on my credit report that I do not recognize. Please delete this account of my credit reports because I do not believe that Im legally responsible for this account. Im going to upload my Massachusetts ID card and my Social Security card to verify my identity.
Product: Credit card or prepaid card

On XX/XX/10, after being out of town consistently for three months, I received my XXXX store card and three bills. 
The initial transaction for {$28.00} was charge bybthecstore before I received the card, by this point was 3 months overdue according to the agent XXXX I spoke to on that at approx XXXX on XX/XX/10. I told XXXX I had been charged {$90.00} for a XXXX transaction and received no other notification that this account was past due than the mailings which I didn't receive until XXXX due caring for my XXXX  parent in another city. I told him I wasn't going to pay XXXX dollars for a {$28.00} dollar transaction and that I would like to resolve this an close the account since the card it was never used or activated since the account was opened in the store three months earlier. And Comenity bank made not attempt to contact me about the past due status other mailing regular monthly statements. 
XXXX originally quoted that I could pay {$42.00} to take of the balance and then he would transfer me to someone to close the account. I begrudgingly agree, however when XXXX ( XXXX ) read the payment confirmation disclosure he quickly said {$62.00} and added {$20.00} to the amount. I told him he had changed the amount and he tried to do some double speak about why the amount and loudly read the disclosure ask for authorization for payment. I replied that, I guess I didn't have a choice but to agree since he just decided to change the amount. I asked if the calls was recorded and at first kept reading the disclosure over me and then answered " yes ''. I told I would be in contact with his corporate office to pull the recording. He then " threatened " to transfer me to a supervisor and said I would gladly accept his offer to speak to s supervisor. He said before " put me in queue '' if I wanted him to process the payment because if I don't you won't get the refund of the late charges. I told I was finished with talking and I would handle the rest with the supervisor. When he transfered me I got a bank notification he charged my card anyway fior {$62.00}. He proceed to keep me on hold for an hour for a representative. I am pretty sure a tactic to retaliate me for challenging his misconduct Beside the complete, inappropriate behaviors unauthorized payment on XXXX part because never agreed to the {$62.00}. XXXX Bank never made any other attempt to notify me that this account was past due. I never used the card, and although I could find a past due notice in an email search however received hundreds of marketing emails telling about the points I could receive if I used the card, I had received one phone call or email advising me the account was past due. And there was a single past due mailing iny box when I finally got mail I had a neighbor collect. Just regular statements. How low were they going to let this go on? 
I never was able to speak to supervisor after XXXX kept me on hold for an hour he said there was no one to help me and told me to call back.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to Source Receivables Management regarding the validation and inaccurate reporting of a debt associated with Account XXXX : XXXX. Despite my request for validation under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, Source Receivables Management has failed to provide proof that the debt is mine and that they have the right to collect it. Furthermore, the account has been inaccurately reported on my credit report, causing undue stress and negatively impacting my credit standing. 

In my original letter, I requested the following actions : Written validation of the debt, including documentation proving that the debt is mine and that Source Receivables Management has the right to collect it. 
Removal of any inaccurately reported information from my credit report. 
Written confirmation that the inaccuracies have been corrected and that my credit report has been updated accordingly. 
To date, I have not received any response or corrective action from Source Receivables Management, which is a clear violation of their obligations under the FDCPA and the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

This is now my second complaint with Carrington Mortgage services which was XXXX. This complaint was finally addressed and I was made successor in interest. Since that time I've been attempting to assume my mothers loan with Carrington ( XXXX XXXX XXXX # : XXXX ). The last thing we are waiting on is for probate to close in XXXX XXXX so the new title can be issued in accordance with my mother 's will. I've informed Carrington that the delay is with the courts, and I offered to have a letter from our probate lawyer to verify that is indeed the case. It seems that even with a " cloudy title '' as they themselves have described it, they've decided its okay to now start the foreclosure proceedings. Every rep this year has told me something different and at this point I have no clue what I need to do to assume my mother 's loan. Which was over a year ago now as well.
Product: Mortgage

I began a mortgage application with Better Mortgage on XX/XX/2020 and was subjected to two notable predatory practices.

1 ) Loan originator promised a closing timeline of 21-30 days after rate lock on XX/XX/XXXX. Upon completing all paperwork in a timely fashion, closing was scheduled for 49 days after rate lock. No explanation given. 

2 ) Loan officer promised a removal of prepaid property taxes. Loan estimate showed no prepaid property taxes. This gave Better Mortgage a competive edge over competitors. 3 days prior to closing, they reinstated the prepaid property taxes on the closing disclosure, saying they were mandatory. No further explanation given to as why I was initially decieved. 

Loan team : XXXX XXXX NMLS ID # XXXX XXXX XXXX XXXX XXXX NMLS ID # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax are showing the same collection on my credit report twice. One that was showing date of assignment XX/XX/XXXX for which I disputed with them and the reporting company previously but since XXXX this collection has been duplicated on my report but showing a new assignment date of XX/XX/XXXX. 

So basically Equifax now reports the same collection twice one as an old collection from XXXX but also one is also being reported as new collection. 

I contacted XXXX please see prior CFPB complaint and they deny re aging or opening an second account and blame Equifax for this error. 

I previous disputed this matter with Equifax in XXXX and this entry was removed however it reappeared this month on my credit reports where is shows as one old collection and one new collection unfairly and inaccurately hurting my credit score. I also disputed the original collection dated XX/XX/XXXX with XXXX for which I do no even owe this {$150.00} amount to begin. Since Equifax are responsible for reporting this incorrect data and XXXX are themselves are pointing the finger at Equifax I feel they are responsible in this matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX  XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$13000.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1300.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$740.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$680.00}, XXXX/XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX/XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX, XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX bal. {$0.00}, XXXX bank Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX, XXXX, XXXX  XXXX, XXXX XXXX  XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act US Dept of Education Account # XXXX and 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
Product: Credit card or prepaid card

I called to have my Paypal Card activated Im told that Everyone has an Residential address and a Bank Account and Insurance and you have to show proof of Address like an light bill or you should have an letter from the Government, this is Discriminatory to people who Dont Work, Who Dont have a Bank Account, Who dont have a Home/Residential Address with a Light Bill, Or have went or have an letter from the Government Office. : ; I havent got an Home I live in an extended stay, I dont deal with Any banks that arent meant for the living I havent dealt with any Government Offices to have any mail from them so how do Any living man or woman supposed to get an card activated this is Discrimination against any living man or woman that has or need this card and that living person cant get a card because it was said by the CSR AND SUPERVISOR XXXX everyone has an Residential Address and thats not true all all ... This is an class action law suite Paypal is Very Bias against living people who are Homeless with an Residential Address, Living People who dont have an Home, Living People who dont have Bank Accounts that are meant for Legal Entities, not living People, for living People who dont have or get Paychecks but Who Do Have An SSN & ID with the Legal Entities name listed on the Government Issued ID of the living man or woman is without any of your Documents that Paypal is asking for and its not giving to them Because under the Corporations Laws its what is Demanded from you if you dont have an HOME your Denied to have an PER-PAID PAYPAL MASTERCARD ACTIVATED
Product: Checking or savings account

I was locked out of my Wells Fargo account. I called customer service, but the representatives were not patient. They recommended that I visit a branch in person. When I went to the branch, the banker said I could resolve it either way. I called customer service again but had the same rude experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report is showing unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Captial One this is in regard to your company reporting my personal information which you have not be given the consent to do so. There is information that is on my consumer report that is a result of identity theft. I did not provide written consent for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this false and inaccurate information be promptly removed as it is a misrepresentation of fact. The identified transaction is not related to any transaction by me as the consumer You are required to do what I am asking and remove this transaction from being reported to XXXX, XXXX, and XXXX within 4 days from the date of this notice. 

I look forward to your response.
Product: Debt collection

Repeated calls from National Enterprise Systems trying to collect information on someone else. They have called my daughter and mother also trying to get information. We have no debt with them.
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 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 proce 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 |25. 
financial loss, and I seek appropriate redress For these violations
Product: Debt collection

I have sent several dispute letters as this is not my debt. I have always had insurance to provide to the hospital but this bill is not mines.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$180.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$180.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX Balance {$530.00} Open Date XX/XX/XXXX XXXX
Product: Mortgage

In XX/XX/XXXX I reached out to a company federal assets solution to work out a loss mitigation plan during that whole process the lender did not contact me and I was never appointed a single point of contact, all updated information was coming from federal assets solution of the Lost mitigation process.XX/XX/XXXX I personally started getting in contact with the lender. I submitted a loss mitigation packet my real estate broker submitted a short sale packet it was confirmed by the lender that all packets have been submitted and completed. Lender is in violation for continuing and moving forward with a foreclosure trustee sale date XX/XX/XXXX. Section 2924.11 prohibits recording a note of sale for conducting a foreclosure sale upon receipt of a complete application for a foreclosure prevention alternative starting XX/XX/XXXX the Dual tracking prohibition applies to all application for all foreclosure prevention alternatives.
Product: Checking or savings account

I am a signer on my Mothers bank account. My Mother passed away on XX/XX/XXXX. The bank refused to close the account stating they have to return funds to Social Security Administration. My Mother has a direct deposit with the Social Security Administration, and the Administration automately deducted the payment that was made to my Mothers account after her passing. The bank continues to leave the account open after almost a year, charging monthly fees, and refusing to remove my name from the account. I have communicated with the bank over the past several months. In detail during the month of XX/XX/XXXX, after going to the social security office, and being advised the bank was inform on XX/XX/XXXX, that Social Security Administration was not seeking any additional repayment outside of the auto pay that was reversed in XX/XX/XXXX 
After my communication with the bank on Thursday, XX/XX/XXXX, the back added addition charges, which were previously removed months ago, back to the account.
Product: Consumer Loan

TD auto reposessed my car, sold it in auction and I paid the difference. Was told that this account will now be deleted from my report due to full settlement however, TD auto reporting this account on my credit report as an active reposession account with outstanding balance and I still keep getting harassing called with attempt to collect debt from my on this paid in full and setteled account. 
TD AUTO FINANCE Account number XXXX .... 
Recent balance {$6800.00} as of XXXX/XXXX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$6400.00} written off. {$6800.00} past due as of XXXX XXXX. 
In dispute cart XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Type Auto Loan Terms 72 Months On record until XXXX XXXX Credit limit or original amount {$27000.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$500.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX. 

my numerous attempts to communicate with TD auto went ignored ... i recently received a letter from them stating they are not a debt collector but that I still do owe them on this account because of the purchase note i have signed ... when i questioned the funds from the auction sale of the car and what i paid to them i was told by TD auto that there was no record of payment of any kind which is why they are still collecting from me .... where did the money go and why do i have to pay twice or be harrassed to pay for the account i have previously settled ... is n't this illegal? ....
Product: Consumer Loan

The following company known as " Loan Me '' has be utilizing deceptive loan practices in effort to register and sign up clients. My husband and I each applied for a loan with this organization as we were advised that by taking out the loan it would be reported to all XXXX major credit bureaus. After several months of making our payments on time when we pulled out credit reports we learned that Loan Me was no where to be found. When my husband and I called to discuss the issue, we were advised by a separate representative that Loan Me only reports to XXXX. We XXXX complained advising that was not what we were told when we signed up and that we each had the intent on fighting them for deceptive practices. In return the representative on the phone advised it did not matter if we reported them as they did not have to adhere to Federal Banking Laws and that my husband and I had no choice but to continue to pay the loan. This is negligence as even in the contract listed is states the agency will report the the " bureaus '' not " bureau '' or even lists the bureau in which they plan to report too. During the signup process my husband and I were mislead into thinking we could use this service as a way to rebuild our credit and now are refusing to repay back this loan until this matter is investigated further for the gross negligence and misleading products and services being offered.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an ongoing issue regarding the late opening of my account. Despite my previous attempts to address this matter, I regret to inform you that the issue remains unresolved. As a valued customer, I am reaching out once again to request your assistance in rectifying this issue promptly. Upon reviewing my account records, it has come to my attention that the opening dates listed for my account is inaccurate. Despite my efforts to provide the correct information, it appears that the discrepancy persists. I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my account records accurately reflect the true opening dates. With this, I am asking for your assistance to correct the account : XXXX XXXX XXXX : {$12000.00}.