23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am currently selling my home. I was informed 2 days prior to closing that the title company was unable to obtain a payoff letter from Mr. Cooper. When I contacted Mr. Cooper on XX/XX/2023 I was informed that there was a cyber security breach, their system was on lock down and would not be able to provide this information for closing. I was directed to provide the title company with the last statement, showing the interest bearing principal balance. I asked to speak with a supervisor who also said there was nothing that can be done. The supervisor was unable to provide an ETA on when they would be able to provide a pay off letter. 

I called again, later in the evening, and spoke with a different repersentive and mentioned to them pulling the information from there backups which is required by the FTC Sageguards Rules. She reiterated there was nothing that can be done due to their system being on lockdown. She would not transfer to any supervisor when requested or give further details other than to refer to their website for a statement. 

Due to this, myself and the buyers are now facing financial harm if the payoff letter can not be provided for closing. If the underwriters approve closing based of the last statement they will then hold all proceeds until we can obtain the payoff letter. 

The title company has called Mr. Cooper multiple times. However, they have not been able to obtain any information either. If I can proceed with closing, I have no way of knowing when the proceeds will transfer. If the underwriter does not approve the closing, the buyers have no where to move to and I am now contracted to lease another property, meaning I will be paying for a mortgage and a lease until Mr. Cooper can provide a payoff letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account number XXXX Payment history errors that have not been corrected since XX/XX/XXXX : XXXX showing 8 late payments XXXX showing 10 late payments Transunion shows no payment history XXXX shows a payment on XX/XX/XXXX XXXX shows no payment history for year XXXX Status Update errors that have not been corrected since XX/XX/XXXX : XXXX showing XX/XX/XXXX XXXX showing XX/XX/XXXX Transunion showing XX/XX/XXXX I have disputed the errors XX/XX/XXXX in which XXXX says its been resolved and XXXX shows no information on my investigation, and transunion shows nothing on my report about the company. 

I am familiar with 15 U.S.C. Sec. 1681 ) ( a ) I heard that if you can't provide proof, these accounts must be deleted. Well I want this account deleted according to this law, it's not 100 percent right and correct.
Product: Credit card

Capital One froze my account last year for about XXXX  months. I sign tax papers for my transcript to be review per Capital One Savor credit card. I called customer service and stated if my card was not reactivated I was going to report them to XXXX  and make a post on social media about the poor service and how my account was suspended for XXXX months without probable cause, the same day my account was reactivated. Now, about XXXX months later Capital One Closed my Savor account and decreased my credit limit on my business credit cards from {$6000.00} to {$2000.00} which was/is a GREAT INCONVIENCE DUE TO MY CREDIT TAKING A BIG HIT WITH CLOSED ACCOUNTS AND THE DECREASE IN CREDIT LIMIT FOR ACCOUNTS THAT WERE NEVER LATE OR OVER THE LIMIT. This has cause a great amount of stress on my daily life causing anxiety and not being able to sleep. I respect my credit and also need my credit to aid with making certain purchases for my son to aid his XXXX XXXX which has not been good at all for the last XXXX years due to XXXX.
Product: Credit reporting 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. 


Account Name : XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. Account # XXXX Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$5500.00} Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$5400.00} Account Name : DEPT OF ED/XXXX. Account # XXXX balance XXXX Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$3800.00} Account Name : DEPT OF ED/XXXX. Account # XXXXXXXX balance {$1700.00} Account Name : DEPT OF ED/XXXX. Account # XXXX {$3000.00} Account Name : DEPT OF ED/XXXX. Account # XXXX {$1500.00} Account Name : DEPT OF ED/XXXX. Account # XXXX {$1500.00} Account Name : US DEPT OF EDUCATION. Account # XXXX high balance {$5500.00} Account Name : US DEPT OF EDUCATION. Account # XXXX high balance {$2700.00} Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX  XXXX. Account # XXXX Account Name : XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX  XXXX XXXX. Account # XXXX Account Name : XXXX XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account Account # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604A Section2 : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

In XXXX XXXX XXXX XXXX  I received a statement indicating that a minimum payment of over {$700.00} was due to the charge card not declining transactions causing the card to be charged over the limit. In speaking with the representative they explained that in fact the card should have been declining but it did not. So the agent set up a payment arrangement to bring the balance down. The payment arrangement was set up for about {$240.00} however at the time of the payment instead of auto drafting the payment arrangement amount Macys debited my financial institution the invoiced minimum amount due which caused an overdraft and nonsufficient fee XXXX times for the auto attempts made by Macys ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have communicated with them about this multiple times being given the run around and not ever responded back from the email I was advised to send to XXXX. I want to be reimbursed for the fees charged from my bank in the amount of {$210.00} whether by check or credited to my credit card principle balance
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit card account with Curacao has been closed and charged-off since XX/XX/ in the amount of {$170.00}. I've disputed this item with Curacao but they claim they can not find my account. Curacao can not verify my account however, they are continuing to reporting inaccurate, incorrect and damaging information in clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.
Product: Debt collection

I received notification on my XXXX credit report that debt was owed ( {$410.00} ). I contacted the company and advised them that the debt did not belong to me and requested information granting them the authority to collect on the debt. I requested proof that the debt is owed to me. XXXX XXXX did not send any documentation ranting them the authority to report this debt in my name, nor did they send anything giving them authority to collect the debt. XXXX XXXX did send a copy of what appears to be an agreement signed by someone. I advised them that this is not proof and it is not my signature and demanded they stop reporting incorrect information on my behalf and cease and desist any further collection efforts. The company then sent me a set of documents to complete. I have advised them that I understand they are attempting to collect a debt and I will not provide them with my personal information due to the fact that I have already advised them that The debt does not belong to me and they did not provide me with proof that it does nor did they produce anything bearing my signature.
Product: Mortgage

I have never been past due or late making a payment on this account. This company is reporting false information and we have been in contact with them for several months now trying to get them to correct these discrepancies. Im currently deployed on military orders and my wife has been calling constantly trying to get these issues resolved. The person or persons we have talked to have all agreed that our payments were not late or past due and they do not understand why their company is reporting things differently. This needs to be fixed.
Product: Mortgage

OnXX/XX/2020we refinanced our mortgage and paid in full the mortgage to Roundpoint Mortgage Servicing Corporation, XXXX XXXX XXXX, XXXX, NC XXXX. 

I am due an escrow refund in the amount of {$4400.00} and understand this was to be received by me within 20 business days ( or 30 calendar days? ). 

On XX/XX/2020 I logged on to my online account to review transaction history and the account indicated that my escrow was disbursed onXX/XX/2020 

On XX/XX/XXXX, I received a letter from Roundpoint indicating my mortgage was paid in full and a copy of the Mortgage Release Satisfaction Discharge was included. 

As ofXX/XX/2020 I had still not received my escrow refund. I called Roundpoint, spoke to rep in escrow dept. The rep told me my check was mailed on XX/XX/2020. I explained that if it was mailed on the XXXX as she indicated then I should have received my check by the XXXX. She told me to wait another day. 

XX/XX/XXXX - still no escrow refund check from RoundpoinXXXX. Called the escrow dept. again. I requested that a replacement check be sent to me via overnight with tracking. The rep refused and told me to wait another day. 

XX/XX/XXXX - Today, still no escrow refund check from Roundpoint. I believe Roundpoint is withholding escrow funds for longer than what is legal. I am asking for any assistance to help resolve this issue with Roundpoint Mortgage.
Product: Credit card or prepaid card

My wallet was stolen while I was at work with my ID, social security card, Bank of America ( BOA ) debit card and BOA credit card on XX/XX/XXXX. The thieves were able to walk into a XXXX XXXX branch with our Bank of America Credit Card and withdraw {$5000.00} cash and charge an additional {$1200.00} at XXXX 's club. BOA has now denied our claim three times with the credit card charges. 

The charges were credited to our account on XX/XX/XXXX while they investigated. 

XX/XX/XXXX they denied our claim due to " the chip was read, PIN was entered and a signatures was obtained ''. First of all there is no PIN, it is a credit card. The people who stole my wallet had my ID and social security card so yes they could verify because it was a credit card and they knew my zip code which is what is required with transactions, not a PIN! We have never taken out a XXXX XXXX and never taken any cash out at a different bank! 
I spoke with them on XX/XX/XXXX and again reported my wallet was stolen with my ID and social security card and they reopened the claim. I was informed I could submit the police report. 

XX/XX/XXXX the claim was denied again! Stating the same reasons as above. When I spoke with the representative I again explained my identity was stolen. I also informed them I had submitted the police report on XX/XX/XXXX ( i was delayed due to being out out town for a work trip ). They informed me it could take up to two weeks to receive any fax or mailed documents ... .but they denied the claim within 10 days? Not even giving time for them to receive the report. 

Today XX/XX/XXXX the claim has been denied again. After submitting the police report via certified mail and fax! I do not have that letter yet but will be happy to provide it once we receive it in the mail. 

There is no way to talk to anyone in the " investigation '' department. The only person we can speak to is in the claims department and they just keep reopening the case. They said based on our spending habits and that the card was verified that we authorized someone we knew to make these charges. 
XXXX XXXX  refuses to provide the footage to the detective working on my case because the XXXX XXXX was done under a different bank. 

Also the detective on the case has a picture of the suspect at XXXX 's club. Unfortunately XXXX will not release the footage.
Product: Payday loan, title loan, or personal loan

XXXX XXXX AKA PayPal Paycheck Protrection Program loan Underwriting Team on behalf of XXXX XXXX XXXX XXXX XXXX, UT discriminated against me by using a credit score as a basis for the SBA 's Paycheck Protection Program. I had no disqualifying factors for the PPP loan : I was not suspended by any Federal agency from participating : I have not defaulted on an SBA loan in the past ; and I was not presently incarcerated, on probation or parole, or subject to arraignment or an indictment for any criminal charges ; and I did not have a felony on record within the last 5 years. 

LOAN BUILDER AKA PayPal Paycheck Protrection Program loan Underwriting Team on behalf of XXXX XXXX XXXX XXXX XXXX, UT also did not process my PPP loan request ; because ; it said I did not supply sufficient payroll information. 

This could not be further from the truth ; as as XXXX XXXX   XXXX, I have no employees but I provided my government-issued ID, bank statements, Form XXXX Schedule C, and XXXX for services rendered.
Product: Debt collection

Please find attached a copy of a bill we received from a collection agency, Armada, dated XX/XX/XXXX for services at XXXX XXXX XXXX amounting to {$2300.00} from XXXX. Interest added by Armada was {$760.00} and continues to accrue. This debt was a surprise to us because there was no notification from Armada for 2 years and 7 months, during which time interest was building. 

I called Armada XX/XX/XXXX after confirming the debt with XXXX  XXXX XXXX. I spoke to Account Representative XXXX XXXX, who then transferred me to his leader, XXXX. XXXX remembered being the account representative for this debt in XXXX and said he tried calling our number in XX/XX/XXXX and XX/XX/XXXX. Apparently he was not allowed to leave a message. Therefore, no notification between XX/XX/XXXX and XX/XX/XXXX, with interest adding up. 

Id like to inquire if this practice is legal. Do I have any recourse?
Product: Mortgage

XXXX a " cash only '' home purchase with Flyhomes Mortgage XX/XX/XXXX. Closed on a home in Texas on XX/XX/XXXX. This was a XXXX XXXX downpayment, paid closing costs and upfront payments to insurance and XXXX. The closing disclosure is attached as CD- Buyer. 

On XX/XX/XXXX we locked in a for a refi rate BASED on the loan estimate sent over. Attached as XXXX XXXX XXXX. Appraisal was to be ordered that day but did not. In fact we asked for documentation multiple times to confirm when the appraisal was ordered and promised on numerous occasions one would be sent to us, but it never has been. Appraisal was done on XX/XX/XXXX and we were told we would give a XXXX  day credit of the per diem the " cash '' loan creates due to the delay in ordering. 

We were sent an email to review and sign closing disclosures from XXXX on XXXX for the refinance where were were to put done an additional XXXX XXXX to create a XXXX XXXX conventional loan. They were incorrect on multiple levels and the lender ( XXXX XXXX ) could not explain why. I was given her supervisor ( XXXX XXXX ) and was told it would be cleared up. Days went by and no help. The supervisor said she was taking it up the chain but then went on vacation and our online dashboard pulled the closing disclosures and now listed items needed for review that XXXX already had been given. 

I tracked down another supervisor XXXX XXXX, again explained everything and was told it would be looked into and then she also went on vacation. Days went by. I sent in a message as our XXXX day rate lock was running out XX/XX/XXXX and was assured not to worry, no additional interest would be added but no actual assistance on why the loan was no closed. 

We have been receiving letters this week as to the date of XXXX XXXX loan amount needed to the sum of over {$600000.00} and in no different position then when the incorrect documents were sent to us on XXXX. There is no end in sight and neither supervisor has taken over ownership.
Product: Credit reporting or other personal consumer reports

In my previous dispute, there was an unfortunate oversight where incorrect documentation and mismatched CFPB dispute documentation were submitted. Despite this error, it is imperative to address the inaccuracies on my credit report to ensure compliance with federal regulations. I have included the correct documentation with this letter and expect immediate action to resolve these matters. 

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information from my credit reports has been ignored by the Credit Reporting Agencies. The last letter I sent to XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to complay with the FCRA section 605b which states that the Credit Bureuas are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible. I need the following items deleted as soon as possible ; XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX : Account Number : 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: Consumer Loan

Creditor 's representatives gave me incorrect information regarding " filing a dispute ''. If Creditor 's representative did n't mislead me, I would not have a balance on the account. I would have disputed a {$5000.00} charge and it would n't be on my credit
Product: Debt collection

Its two different accounts open in my name for a rental property they sold my in for to another company they are trying get double the amount from me
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS EXPOSED IN THE DATA BREACH AND YOU HAVE TO REMOVE THESE INFORMATION DON'T TURN MY DISPUTE INTO A THIRD DAY DISPUTE UNDER SECTION 605B THESE ACCOUNTS SHOULD BE REMOVED WITHIN 4 DAYS
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are showing balances and it's deferred which is incorrect. All my student loans were transferred to XXXX XXXX XXXX services and the the following should reflect a {$0.00} balance. 

XXXX XXXX XXXX XXXX XXXX XXXX {$8500.00} Status Date Reported XX/XX/XXXX Payment Status Current Account Details Account Type XXXX XXXX Individual Original Loan Amount {$8500.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Collateral DEFERRED TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX1600.00} Status Date Reported XX/XX/XXXX Payment Status Current Account Details Account Type XXXX XXXX Individual Original Loan Amount {$12000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Date of Last Payment Not Reported Monthly Payment {$0.00} Term XXXX Payment Frequency Monthly ( every month ) On Time Payments 100 %