23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I financed my mortgage with XXXX XXXX XXXX through XXXX XXXX XXXX. My closing disclosure showed my monthly payments to be in the amount of {$1400.00}. The forms signed at the title company on my closing date of XX/XX/XXXX included my First Payment Letter showing that same amount of {$1400.00} to be due on XX/XX/XXXX. The booklet with monthly mortgage dues also showed the same amount. 

I received my first statement from XXXX XXXX XXXX in XX/XX/XXXX for first payment due on XX/XX/XXXX. The statement showed a payment due of {$1600.00}. I immediately contacted the company to question the amount and they advised that they would verify and get back to me. I had to call them back several times to follow up as I did not want to be in default but no one could provide me a straight answer on the difference in amount from my closing disclosure and the statement. I was set up online and went ahead and made my first payment in the amount of {$1400.00} and advised them that I would be paying the amount shown on my closing disclosure until I would get an explanation on the discrepancy. One person would say they calculated it incorrectly during the closing, another person would say the escrow changed. I finally got a hold of XXXX XXXX XXXX who was able to get me to the manager and the manager 's  explanation was that there was a glitch in the system. I refuse to accept that explanation and I went by my closing disclosure 's amount to budget my bills. On my XX/XX/XXXX statement, they applied a credit of - {$200.00} to the total, bringing the new amount due to {$1400.00} which is the amount originally shown on the closing disclosure. I thought that maybe they fixed the problem but on my XX/XX/XXXX statement, the old amount due of {$1600.00} was showing again. 

To avoid additional taxes and fees, I have been paying the full amount due.
Product: Debt collection

A request for verification/validation was made approximately XX/XX/2020. Consumer received nothing until approximately XX/XX/2020 by first class mail. Not only was the information received late, the information provided failed to include the address of the alleged original creditor. In addition, very personal information was included such as the last four of my social security number and my full date of birth. This information is used in personal transactions to identify myself ( personal identifying information ) and should have been masked to prevent abuse and misuse if the wrong party received it, which could be detrimental in almost every area of my life. Also, it appears that there was a violation of HIPPA laws. My right to privacy has been violated and XXXX and Cascade Capital , LLC, failed to take necessary steps to protect information deemed personal.
Product: Credit card or prepaid card

on XX/XX/2021 I was charged on my credit card {$250.00} + {$250.00} a total of {$500.00}. I called the credit card company and reported this. The credit card company XXXX started a fraud dispute and changed my credit card. This company hasn't resolve this dispute, I haven't received any information about this fraudulent charge and they keep charging me interest and late fees knowing i did not did this purchases, now they reported to my credit report as late giving me a bad score. I have proof that i was in XXXX XXXX on that date with my daughter.
Product: Debt collection

It a XXXX internet that was month to month back in XXXX i move to a different town in XXXX call and cancel the service before i move in XXXX i got a collection of XXXX dollars saying i never cancel call XXXX they don't have any information about it and call the collocation agency and they will not send me any information can't break it down that I owe that much just say that what XXXX says i own
Product: Checking or savings account

I purchased six ( 6 ) IRA CDs from XXXX XXXX XXXX, in XXXX, MI between XXXX and XXXX. XXXX XXXX XXXX was  sold in XXXX. According to what I have been told, Bank of America was the " Successor ''. I contacted Bank of America but they could not find any records of these IRA CDs. I also tried to find out any information by contacting the FDIC and they recommended that I contract the Office of the Comptroller of the Currency. I called them and filed a complaint with them. So far I have not been able to resolve this is and find out where I can cash in these CDs.
Product: Money transfer, virtual currency, or money service

I have tried to contact Coinbase/XXXX for 6 days now Wire Date : XXXX XXXX, XXXX Name I wired from : XXXX XXXX XXXX XXXX  Reference # : REF : XXXX Amount : {$74000.00} XXXX : XXXX I have tried to contact you for days now I have done 2 wire for the amount of {$74000.00} so a total of {$140000.00} One from XXXX bank ( the above info ) and another from XXXX XXXX XXXX XXXX on XXXX XXXX you DID place one of the wires in my XXXX account. The other you did NOT Im assuming its the XXXX one listed above This is the email I got for one of the wires. 
" We 've received your deposit We have received your deposit of {$74000.00} on XXXX XXXX, XXXX and funded your Coinbase account. 
Deposit reference : XXXX '' I dont know what wire that was of the 2 as I cant reach them.
Product: Debt collection

Portfolio Recovery keeps calling then hanging up, as well as after i asked them to contact me by mail they never have. They have never sent a thirty day notice or advised me i could dispute the debt. They have verified my address numerous times and still have not sent me any kind of notice or validation of debt. Its been approximately 6 months of numerous hang up calls. I know they are calling because i call back and they answer with a voice recording.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX $ what my tax form 1099 G said it was at XX/XX/XXXX from bank of America some one change my peronal pin amd account password with my ssn and id idont know how but i know he got information enough to do that and mails from my mails he been receiving all my irs mails and bills.
Product: Debt collection

My purse was stolen with my social security and Id. Someone used my information to open an account. This is a fraud and I didn't authorize it. Someone open up a SYNCB/AMAZON account in my name. it's showing on my XXXX credit report..
Product: Mortgage

my mortgage was sold to midland mortgage by XXXX XXXX XX/XX/XXXX, i have filed for a assumption of the loan since my name is on the title, XXXX XXXX XXXX XXXX XXXX XXXX is why im trying to assume loan, also filed for modification of loan because of that, and storm came through and took tree halfway down home insurance would nt cover that this was in XXXX of XXXX fathers day weekend, i used two house payments to have the split tree taken down and thats the only payments to mortgage i have missed, XXXX and XX/XX/XXXX, fast foward to mortgage being sold to midland mortgage by XXXXXXXX XXXX this mortgage company keeps sending me bills saying i stopped paying them, which i have bank statements saying other wise they have done nothing to my files of the assumtion packet i filed, they did send me a trial modification packet in XXXX of XXXX for XXXX dollars a month which isnt helping anyone, only to find out that FHA HAMP EXPIRED IN XXXX THIS IS A BOGUS trial modification this mortgage company is not trying to help me at all.
Product: Credit reporting or other personal consumer reports

I dispatched a letter to the bureaus last XX/XX/XXXX requesting the removal of the listed items that are UNKNOWN to me. Today, I became aware of FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal/blocking of any such accounts or information within 4 business days. This requirement was already outlined in my previous complaint and I am reiterating it here. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$520.00} XXXX  XXXX XXXX Balance Owed {$750.00} XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$0.00} MB XXXX XXXX  XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$450.00} XXXX XX/XX/XXXX
Product: Checking or savings account

I never opened an account with your company I have been the victim of id theft someone used me personal information to open an account with your institution Ive filed police report and id theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in violation of UDAAP reporting of a debt with XXXX XXXX 'XXXX XXXX XXXX on XX/XX/XXXX. I was denied leasing with XXXX 's XXXX on XXXX/XXXX/2019. I worked for a XXXX XXXX XXXX so the application fee was waived. However, XXXX XXXX XXXX is falsely reporting this as a debt owed on report with Equifax and XXXX  ( violation of FCRA ). THIS IS false reporting. 

XXXX XXXX 'XXXX  XXXX XXXX  ACCOUNT NUMBER XXXX EQUIFAX AND XXXX  XXXX   DELETE REPORTING on credit report for XXXX XXXX XXXX and the named account below : XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX  XXXX XXXX  ACCOUNT NUMBER XXXX PLEASE DELETE THESE ENTRIES.
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. 

XXXX XXXX. Account XXXXXXXX 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 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 demand a cease and desist of all illegal activity pursuant to XXXX XXXX XXXX ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to XXXX XXXX XXXX ( c ) The failure of a consumer to dispute the validity of a debt under this section XXXX not be construed by any court as an admission of liability by the consumer. if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, down below I'm going to include the arbitration agreement we have
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me | have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 168 lilal? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts 1.Account Name : XXXX XXXX XXXX Account Number : XXXX 2.Account Name : XXXX XXXX XXXX  Account Number : XXXX 3.Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my report. 

I also read where I can get the updated report after you investigate this from the free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as we the investigation outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter.
Product: Debt collection

A debt collection appeared on my credit. I traced it back to a school that I attended, but all my classes were under fed student loans. This amount of XXXX is false and XXXX is not working with me to remove this. XXXX has removed this from my credit. I do not owe this money and I am current on my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a 605b fraud affidavit for these inquires on my credit report Inquirer Name Inquiry Date Removal Date Business Type Contact Information XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Complete Department Stores XXXX XXXX  XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Complete Department Stores XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Federal Government XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Product: Mortgage

HI, my complaint is about a modification that I got back in XX/XX/XXXX, and now that I have put my house on the market and went to closing on XXXX XXXX, XXXX there has been a big problem with the mortgage company the I got the modification with, My realtor and the title company has not been able to get the pay off balance from this company, because they keep coming up with different situation preventing the title company from getting this pay off balance, and this company charges me an additional 10 % of the proceed in which I amto received from the selling of the house, and I received a XXXX from them in XX/XX/XXXX in the amount of {$8800.00} during tax time, this is just a big mess and they are just ripping off innocence people that are in the need of help, I got laid off of my job in XX/XX/XXXX and got more hours to work on my part time job to make ends meet, so now as it goes, I will receive a little of nothing after this loan company takes the proceeds and If I am not mistaken it was 6 % and it has increased to 10 %, I 'm sure that I am not the only one with this problem so please, please help me, because I this that this company taken the advantage of certain races or all, and all the people that are working with this account states that they have never heard of such in all of their working with mortgage /loan companies. Thank you so much for your time
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.
Product: Debt collection

I.C. System Collections is attempting to collect a debt for XXXX. This is the 3rd time a collection agency has tried to collect a debt for XXXX for a account that XXXX keep claiming I have in the state of Florida. I recently filed a police report that was sent to XXXX yet the company is still sending collection agencies a a debt that don't belong to me.
Product: Bank account or service

I sold an item on E-bay and the buyer deposited my money in PayPal. When I tried to with-drawl the money I received the following reply. 

Why is my account access limited? 
Your account access has been limited for the following reason ( s ) : XXXX XXXX, XXXX : We need a little bit more information about you to help confirm your identity. 
( Your case ID for this reason is XXXX. ) XXXX XXXX, XXXX : Before we can offer you certain products and services, federal regulations require that we collect specific information to verify your identity. This information includes your name, address, date of birth, and National Tax ID or Social Security Number. We have n't been able to verify your identity using the information you provided, so we need some additional documentation from you. 

Until this issue is resolved, you 'll be able to log in to your PayPal account but you might not be able to add money to it or use some of your account features. 

( Your case ID for this reason is XXXX. ) I tried to resolve the situation and get money money but PayPal will not release it.
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 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 thank you
Product: Credit card

I signed up to become a member of a ( scam ) company called XXXX on XX/XX/XXXX. No specific date was given for when we would receive access to the " member store '' online or get our " debit cards '' but at sign up it stated XXXX weeks. At the end of XXXX weeks they extended the date another XXXX weeks, and so on and so forth for about 4 months. 

The company kept hosting zoom meetings whereby they moved the date of releasing the membership cards and website/store access. Different excuse and explanation, but very believable so I kept holding on waiting for my " merchandise '' access card to arrive so I could utilize the benefits I paid {$50.00} for ( one {$25.00} charge for my account and another for my husband 's account, but all on my BOA credit card ). 

On XX/XX/XXXX, the company sent an email stating they were ceasing operations. I immediately filed a dispute with Bank of America for non-receipt of merchandise. Even through it has been more than 60 days from the purchase, it has NOT been more than 60 days since the company promised us our cards and website access that had been continually delayed due to " numerous issues '' and it has NOT been more than 60 days since I was notified that the merchandise would never be sent. 

On XX/XX/XXXX BOA denied my claim for the XXXX-day rule. I called a manger and explained that although it was 60 days from the purchase, it was NOT 60 days from the " new '' date of the promised product to be sent. I told the manager at BOA that I never received any request from BOA to provide documents. He told me I had two different claims for the two different charges, and that I could load the proof on the 2nd one that had not been adjudicated yet. I loaded an email dated XX/XX/XXXX which is the most recent document in WRITING I have from the company stating that the new company launched named Finmore, and we were all transitioning from XXXX to XXXX and access to the member deals would be coming soon. They continued to promise to mail cards, during their zoom meetings but I never recorded the meetings. 

There is a FB group about this, and thousands of other people are being refunded from their bank and credit card companies because this isn't about when a purchase was made, but rather when the product was supposed to be provided to us. XXXX XXXX XXXX. But not BOA customers. 

I believe BOA is being abusive in their application of Regulation Z, because the time clearly starts following when the product is to be delivered/received. In this case, the " delivery '' date was moved every few weeks, so we were never more than 60 days outside of our promised delivery date. 

I have filed an FTC report about the fraudulent company : XXXX This is run by a man with a history of securities fraud ( " We also reported on XXXX being criminally charged with XXXX XXXX in Utah back in XXXX. The charges pertained to XXXX running XXXX XXXX schemes, which authorities claim XXXX defrauded consumers out of ~ {$10.00} XXXX dollars through. XXXX pled guilty to XXXX count of XXXX of XXXX XXXX ( page XXXX ), a second degree felony, in XXXX. '' )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with confirmation of these corrections. 

Thank you for your prompt attention to this matter.