23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Despite all my payments being on time and having thousands of dollars in my escrow account, Mr. Cooper failed to pay my homeowners insurance resulting in it being cancelled. They mailed me a letter saying that they are going to purchase likely expensive insurance on my behalf. My insurance agent said that they claimed to have the incorrect policy number, and he has been reaching out to them to try to get them to pay for over a week and they have not. They did not pay my homeowners insurance from escrow despite sufficient funds, which led to it being cancelled and a lapse in coverage. They also have failed to pay for a new homeowners insurance policy that I was forced to purchase because my old policy was ineligible for renewal after lack of payment. Mr. Cooper has locked me out of my online account and will not speak to me about my account on the phone because it is "under litigation" (likely for building violations that I am resolving with the city and are unrelated to my ability to pay the mortgage).
Product: Vehicle loan or lease

I bought the car in 2020 and XXXX months after I got the car the the cars engine went out just out of the blue. Took to the dealership and they took to the XXXX dealership and come to find out the car had a recall on the engine. It took them a month to figure that out. So they finally decided they was gon na fix my car for free. Stating they was putting a new engine in. It took them XXXX  months and I kept paying my payments on time like I was told. So I finally get my car back and it seemed fine just like before. I always keep my oil changed. So i drove my car out of town and on the way back the car did the same thing as before. It jacked and them it wouldn't pick up speed and started smoking just like before. I had to have the car brought back by towel truck {$1000.00} because I was XXXX hours out from KY. Call the dealership again take it back. They kept it again for another month still hadn't called to say anything. So I kept calling they still hadn't looked at it yet. Prestige financial kept calling and I told them what was going on but they could care less. They kept asking where the car was and I told them. So I called the shop again and they said your financial company came and got the car without them even fixing the car. So I called them and they told me that couldn't wait because I wasn't making the payment so they was gon na sale it at their on personal auction and I was gon na be left to pay the balance. The car balance was still like XXXX. The loan was some upside down loan that I didn't kno anything about because if I did I wouldn't of ever signed up for that. They didn't explain anything about me paying for 1 years of Interest and nothing towards the loan itself. When u look them up they are doing alot people who have had bad credit or filed bankruptcy in the past like I had. I spoke with my lawyer and she told me what I could do but it's not right that my credit is gon na be missed up again because of them not fixing the car like they said the first time. They never replaced the engine because it would of never went out again a year later.
Product: Checking or savings account

On XX/XX/2023 I wrote a check ( out of my XXXXXXXX XXXX account ) to pay my charge card bill to XXXX XXXX for {$1900.00}. On or about XX/XX/2023 I noticed the bill did not show a payment, so I checked my online checking account and noticed the check was cashed, but the payee was changed to a XXXX XXXX XXXX. I then filed a fraud claim with XXXX XXXX, who said I would receive a pending deposit back into my account, within ten days, until fraud department investigated. Once I was found not responsible for the fraud, my pending deposit, would be made good. After many attempts on my part to rectify the situation, I was told on XX/XX/2023 that Bank of America cashed the check on XX/XX/2023, so they are responsible to make good on the check. I was then told XXXX XXXXXXXX gave Bank of America 30 days to reply. As of this date ( XX/XX/2023 ) Bank of America has not contacted XXXX XXXX as to their position in this matter, they keep putting off a request XXXX XXXX sends every 30 days. Not only have I not received a pending deposit from XXXX XXXX, Iam put off every time I check on the status every 30 days. Local police also said they can do nothing at this point.
Product: Mortgage

I have been contacting LOANCARE for 8 weeks requesting a 90 day forbearance. My loan is Fannie Mae owned and even the customer service representations at LOANCARE have verified that I am qualified for the 90 day extension. But they say a " team leader/supervisor '' in collections must issues the extension. I sent emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with all necessary info. and the request and that fact that they were not responding. I made calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX also explaining he situation and their lack of response. @ times i was told my issue had been " elevated " and 3 times I requested to speak with a " team leader/supervisor '' as I was told they were the only ones who could correct the issue. All 3 times they were supposed to call me back and each time I answered they disconnected before I was able to speak with anyone. The wait times on the phone run into hours and they NEVER respond to emails at ANY of their addresses. Their lack of ability to properly service my loan is causing me financial difficulty and is violation of the federal cares act as well as federal loan servicing standards.
Product: Credit reporting or other personal consumer reports

In late XXXX, I changed employers and with that, my email tied to my XXXX XXXX Account was no longer in service. My old work email was connected to my XXXX XXXX account. There was an annual automatic renewal of my XXXX XXXX membership with a one time annual automatic renewal charge on XX/XX/XXXX. I have no idea if the bill was actually sent, but I received nothing in the mail or email. I received no mail notices nor did I receive any email notices of anything due. Once I found out about the charge on XX/XX/XXXX, I made payment right away. 

XXXX XXXX reported to my credit report for the late payment and I'm trying to get that removed, but XXXX XXXX refuses to remove it, eventhough I did not receive appropriate notification of the charge. 

Not that it is relevant to this dispute, but I have spent significant dollars with the company recently, and have been a very long term customer that has impeccable payment history. 

I don't want to get my attorney involved but will if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive been battling over XXXX trying to open an account up and its constantly says due to consumer reporting agency we can not open an open at this time. Ive tried reaching out many times to find out what is stopping me was told nothing but til this day I cant even open up an account. Can I please get some assistance with this. 

Thank youll, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection placed on my credit report with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, FL XXXX. 

I have never opened an account with this corporation and they have failed to provide me with a valid proof of debt. 
This negative information was placed on my credit report on XX/XX/2018 for the amount of { {$2100.00} }. 

I initially contacted them on XX/XX/18 requesting validation of said debt as well as provide the credit bureaus with my notice of dispute. I received random unsubstantiated unoriginal ( photocopied ) material and no acknowledgement to the credit bureaus of my legal right to dispute within 30 days notice. 

On XX/XX/18 I sent an additional time stamped, dated letter requesting additional information to which the lines of communication went completely mute and still no legally enforced notification to the credit bureaus of my dispute. 

I have been hindered in opening credit lines and purchasing a home for my family because of this negative information on my credit report. I am including tracking numbers as well as timed stamped certified letters with signatures that proves XXXX XXXX XXXX has received my disputes via USPS the dispute letters were received on. I also have dated credit reports that show my lawfully protected right to dispute under Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) have willfully not been followed by this company as well as several other violations. 

It has been more than 30 days and they have failed to respond legally. I am demanding this account be removed immediately due to lack of validity.
Product: Credit card

I informed Synchrony Bank I was fire from job in XXXX but I was still being XXXX. I didn't receive any hearing information such as date or location I just found out now I was to pay a penalty of additional $ XXXX. It just seems like a fraud. 
I agree to pay them {$15.00} for a few month until I find a job but my previous boss told me no one hires a XXXXXXXX XXXX XXXX because XXXX is legalized in the states. 
I was even XXXX XXXX XXXX XXXX XXXX in XXXX which the driver just took off and no lawyer is willing to assist me. However, Federal justice XXXX still rule for the XXXX XXXX. 
The police even told me that no government official are working because everyone 's lazy!
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally request the removal of incorrect addresses that are currently listed on my TransUnion credit report. After a thorough review of my credit report, I identified several addresses that are either outdated or incorrect and do not accurately represent my current or previous residences. 

The incorrect addresses are as follows : Incorrect Address 1 : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Address 2 : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX The correct and current address is : XXXX XXXX XXXX XXXX XXXX, CA. XXXX These inaccurate addresses could potentially cause confusion and affect my creditworthiness. As such, I request that XXXX promptly investigate this matter and remove the incorrect addresses from my credit report. 

Enclosed, you will find copies of documents that verify my correct address : A copy of my driver 's license showing my current address. 
A recent utility bill ( or bank statement ) with my current address. 
A copy of the relevant section of my credit report highlighting the incorrect addresses. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and correct any information found to be inaccurate within 30 days of receiving this letter. Please confirm in writing once the investigation is completed and the incorrect addresses have been removed from my credit report. Additionally, I request that you send me an updated copy of my credit report reflecting these changes. 

If you need any further information or documentation from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

When I was on the phone with a agent, she told me that my interest on {$2400.00} would.ve roughly about {$800.00} I was rushed through the process under the threat that I only had so much time left to complete the process or I would be denied, so I accepted the terms vocally over the phone and when I called back 6 months later to find out I was being charged double and that wasn't the agreement I agreed to, the customer service began to get very rude when I complained about being g mislead, I asked for the recorded phone conversation between me and the original agent and they refused my request stating they don't keep phone recordings more than 3 months I was misleads the agent o. The repay.ent amount and pretty much never told the true Interest amount.
Product: Checking or savings account

I am opening dispute with Chime for failing to credit me and my {$1500.00} that they approved. They only gave me {$560.00} back. I called in to ask why they explained that my a.k.a. XXXX which they call the merchant refunded me the money, which was actually me withdrawing previously deposited money to offset what was lost in my account from my friend, using my account and losing my money. The specific incident happened in XXXX where my friend took {$1500.00} from my bank account and deposit it into a XXXX that I use. He traded with it and lost all the money chime saw me put money back into my account from said XXXX, and claimed it was a refund when in fact, it was me putting my own money back into my bank account that was taken out and lost by my friend through trades. Shame, even though being a said, financial institution, can not seem to comprehend how a broker works as they do not offer refunds. Ive had to call in aboXXXX XXXX XXXXes to get my ticket escalated. I have provided the correct documentation, such as withdrawals and deposits to prove that the money was completely lost, and I had to use previously depositing money to offset those losses, which were deposited to the broker from a completely different bank. Please help me get my money back. They owe me {$930.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 16810-2 ) that you, the Experian credit report agency, block information appearing on my consumer credit report that is the Identity theft and d fraud 4 business days of you receiving this comply fraud within 4 business days and of identity fraudulent, Inaccurate, and complaint. This of you receiving this complaint. This information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), and XXXX XXXX account count opened at XX/XX/XXXX account number ( XXXX ) XXXX XXXX  opened on XX/XX/XXXX account number ( XXXX ) XXXX XXXX XXXX opened date XX/XX/XXXX account number ( XXXX ) XXXX Opened date XX/XX/XXXX account number ( XXXX ). that appears related to the account fore mentioned personal loan account opened. 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 you which shows the aforementioned fraudulent FICO credit report maintained maintained by you which shows the XXXX  consumer FICO items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing oe. All of the consumer credit report maintained by you were not opened, made, or initiated by me. 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 ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud
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 violated 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 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 has caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding a charge-off account that continues to be reported on my credit report despite qualifying as income under IRS guidelines XXXX Reporting this account without the issuance of a 1099-C form is misleading and a violation of my rights under federal law. Background The account in question was a charge-off by the creditor, which legally classifies the balance as canceled debt and, therefore, taxable income under the Internal Revenue Code ( IRC ) 6050P. According to the provision, creditors must issue a 1099-C form for canceled debts exceeding {$600.00}, allowing the debtor to report it as an income to the IRS. However, I have not received a 1099-C for this account. The creditor continues to report the balance to the credit reporting agencies as an activity charge-off. Legal Basis for Complaint Violation of IRS 6050P The Internal Revenue Code mandates that creditors report canceled debts exceeding {$600.00} to the IRS and provide the debtor with a 1099-C form. This prevents me from correctly reporting my taxable income and raises concerns about the creditor 's adherence to federal law. Fair Credit Reporting Acts ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ) : requires furnishing of information to credit reporting agencies ( such as lenders or creditors ) to provide accurate information about consumers. Specifically, they must not report information they know or reasonably should know is inaccurate. This provision is designed to promote fairness, accuracy, and privacy in the credit reporting system and prevent harm to consumers caused by incorrect data on their credit reports. Consumer Financial Protection Act ( CFPA ) 1036 ( a ) ( 1 ) ( B ) prohibits any covered person or service provider from engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ) to report a charge-off account as collectible or delinquent when it should be classified as an income and documented through a 1099-C
Product: Credit reporting or other personal consumer reports

XXXX XXXX in XXXX XXXXXXXX is trying to illegally charge me for XXXX XXXX that is not beyond normal wear and tear for an apartment that I have vacated. This is illegal per RCW XXXX. I have asked these apartments multiple times for evidence that there was more than regular wear and tear in these units and they have refused. Instead, they sent me to Genesis Credit Collections who have placed derogatory marks on my XXXX, XXXX, and XXXX credit reports. XXXX removed the marks after I sent evidence that the debt being collected was illegitimate. However, on XXXX occasions already I have sent XXXX evidence of this debt being illegitimate and they have refused to remove the derogatory marks, saying that their internal investigation " validated '' the debt. They sent me no evidence of this validation and closed my disputes.
Product: Credit card or prepaid card

XX/XX/2023 XXXX I made an ATM withdrawal inside XXXX, after I walked over to pay for my stuff at the register then I got home I walk in the door to my house I get a message saying my card has been charged at XXXX XXXX XXXX You spent {$170.00} at XXXX XXXX XXXX. Pro tip - avoid a large temporary hold from the gas station by paying at the register inside XX/XX/2023, XXXX XXXX  then I tried to dispute it and it was declined I went the merchant and the lady told me that they can't do anything to contact my bank I've tried to dispute this 4 times and still won't help me. I received another message XX/XX/2023, XXXX XXXX  Your {$170.00} temporary authorization at XXXX XXXX XXXX  has been updated to {$100.00}, your actual refuel amount I tried to dispute and its denied I don't know what to do next that's why I'm contacting you guys, to see if you can help me my card went from XXXX to XXXX XXXX XXXX  how? This was an unauthorized purchase/transaction.
Product: Mortgage

I was contacted by my loan servicing company Loancare, that I had not paid my XX/XX/XXXX mortgage payment. They were throwing me into foreclosure. My wife and I contacted them proving we had paid them. I received a confirmation email from their escalation department two days later, ( XX/XX/XXXX ) that the matter had been resolved. My wife started getting harassing calls a few days later, again from Loancare, saying we hadn't paid our XXXX payment and were 30 days late ( it's XX/XX/XXXX and again, we paid while on the phone with the first customer service rep on the XXXX, how can we be 30 days late? ). Today I contacted Loancare again and told them we had paid and everything was up to date. I had to again send proof from my bank they got the money. And today I received a letter from XXXX mortgage company who bought our loan saying we owe three mortgage payments by XX/XX/XXXX. These people are predatory and are either incompetent at bookkeeping or fraudulent in their business practices. I have disputed their credit damage to the credit reporting agencies, but have yet to see anything resolved.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX all have discrepancies and incorrect account information including dates, balances, and locations across various accounts and time frames.
Product: Debt collection

Letter was sent to the company involved a while ago, I'm just following up to be sure they no longer have my information in their system as owing any alleged debt. 2nd letter was sent XX/XX/21. IC Systems received it on XX/XX/21. At the time, I was not aware my rights were violated, but now I do. Pursuant to 15 usc 1681 ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. This company is also in violation of 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15 USC 1692g, 15 USC 1692c, and 15 USC1692c ( 2 )