23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When we ( my husband and I ) initially purchased the house it was with XXXX XXXX  and a month after we closed on the house, it was sold to Shellpoint/Newrez. The house was constructed in XXXX, they paid the taxes of the property in XXXX, which did not include the new information of the house. They returned money to us, from the escrow account in XXXX for {$3100.00}. I called the mortgage company to find out why they sent us this check, since we are first time home buyers, they said it was because it is an FHA loan, the amount in the escrow account for the insurance and taxes could not exceed over {$50.00}. Due to an error on the mortgage company 's behalf, around the beginning of XXXX they lowered our mortgage from {$1300.00} to {$1100.00}. As a result, we contacted the mortgage company to inquire why the mortgage payment decreased. 
The mortgage representative informed us that there was a payment error and related what the correct amount would be in order to pay the loan, taxes and insurance on the house at the end of XXXX. As a result, the mortgage company paid the taxes on the house and this included the construction cost of the house. The mortgage company paid {$3000.00} on XX/XX/XXXX. When we attempted to make the payment on XX/XX/XXXX, we realized that our Mortgage payment increased substantially from {$1100.00} to {$1500.00}. We immediately contacted the mortgage company the same day and advised them that this is causing a financial hardship. Due to the fact that we had no knowledge that the mortgage payment would increase substantially and furthermore ; this was not an error committed on our behalf. The error being that the mortgage company failed by sending us a check without first accurately verifying how much we would be responsible for paying taxes on the house within our county. The mortgage company advised us that they would be conducting an investigation and that they would would be following up with us within 5 to 6 business days. Unfortunately, it has been 7 business days and we have not received any type of update or notification on the matter.
Product: Mortgage

there are some really ill practice going on with the company they are not allowing me to pay off Superior Loan Servicing. I tried to schedule ACH and they said we need to wait for your ACH clear untill you schedule ACH. that was never communicated to me earlier I have taken loan to pay off the loan. they asked me I have to send wire to close.and we will send you a payoff statement after that you can pay us it will happen on XX/XX/XXXX and this conversation is on XX/XX/XXXX. the reason they dont want to accept money for ach because 1. I tranferred too much money 2. They are not certified Finally I asked for the wire details they just deducted around {$100.00} fees for the XXXX knows what but never sent me wire details
Product: Credit reporting or other personal consumer reports

There is a truck loan on my credit report that does not belong to me. I have contacted Western Funding and explained that I never took out any car loan. Also, my license was suspended and I have reported the matter to the authorities. I need this truck loan removed from my credit because it does not belong to me.
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 XXXX for these violations.
Product: Mortgage

I have a mortgage with Rocket Mortgage that includes an escrow payment for taxes and insurance. I closed on the mortgage/home on XX/XX/XXXX. At closing and for the first 6 months of the loan I had a PITI payment of {$2400.00}. In XXXX, Rocket did an escrow analysis and projected that my taxes would double from about {$4000.00} to {$8100.00}, and then increased my escrow payment by about {$450.00} per month. This increase is based off an estimate they projected and they are not considering the homestead exemption that my wife and I have. I have a family and a budget, and we are expecting another child in 3 months, this is a very sizeable increase for our family. I also ran an analysis on previous sales in my zipcode for XXXX and compared the increase in taxes in XXXX with the new owners versus the previous owners in XXXX, and there was not one property that the taxes increased by double in my zipcode ( in over XXXX sales ). I have reached out to Rocket so that they can review my tax estimate or wait till we receive an estimate from the county and adjust my escrow payment in the meantime and they will not do that. I have paid my original loan payment amount and they are not applying it to P & I and the remaining in escrow. Instead my payment is sitting as an unapplied payment and my load is past due.
Product: Mortgage

On XX/XX/XXXX2024 my previous mortgage company XXXX sold my mortgage to Mr. Cooper. It seemed like another legitimate company because of allowing a buffer to make the transition for payments. 
My original payment was XXXX. Which I've paid on time with this being my XXXX  mortgage in the last XXXX  years. My XXXX  payment was on XX/XX/XXXX, which was the applied buffer from XX/XX/XXXX24 schedule for an online payment. 
Because the XXXX  payment was due on XX/XX/XXXXXXXX2024, and I always make sure i give my bank a cushion on timing I made my next payment was made on XXXX/XXXX/24 for the XX/XX/XXXX/24 schedule for {$2000.00}. What I didn't know and wasn't informed about was they decided the new note was {$2200.00}. This was done because of escrow change. So when i saw my payment was being processed on XXXX/24 i tried to find out why and communicate with them. XXXX  communication. They took my {$2000.00} payment and applied to my principle without authorization. And I still had to pay the {$2200.00} on XX/XX/XXXX24. I tired calling, emailing, creating tickets. pleading for someone to call me. No response. I had to get flood insurance last year because of FEMA misjudging my flood zone classification. Since then FEMA has changed my flood map and i have the XXXX documents to prove it. on XX/XX/XXXX24 i uploaded the documents and requested the flood insurance be taken off my escrow. Nothing in response. I've left a review on the XXXX  website. And the reviews on this company will describe what this company is all about. They need to be charged for their business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found inaccurate information on my credit file by the credit reporting agency name Experian. I have disputed the inaccurate item name XXXX XXXX which Experian listed on my Experian credit report, who refuses to fix it. I have taken additional steps to remedy the problem by sending letters, disputing the account several times, mailed letters, calling and certified a letter regards to inaccuracy for the item name XXXX  XXXX that is reported on the Experian credit report. Experian sees the inaccurate information that XXXX  XXXX is reporting, but Experian credit reporting agency refused to remove and delete the inaccurate information from my credit file and credit report which are against the XXXX  rules. 

I have kindly requested, Experian to remove and delete the inaccurate information that is reported on the credit report. Experian has failed to knowledge my request. When a creditor reviews individual credit report, the identity / personal information such as name, address, telephone number and all personal information on the credit report must match. 
Which best describes your problem? 
The inaccurate item name XXXX  XXXX is listed on my Experian credit report. Does not match my identity/ personal information ; this is described as inaccurate information. Experian has listed XXXX  XXXX on my credit file which is inaccurate information and the information reported does not match to my identity/ person information and continues to report and leave XXXX  XXXX inaccurate information on my credit report. Based on credit bureaus responsibility to report only information accurate information. Experian has continued to leave inaccurate information that does not match my identity on my credit report and has failed to remove the inaccurate information from my credit file, this has negatively impacted me on many levels
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX, XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX Balance : {$55.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$55.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have contacted PNC 7 times to report fraudulent transactions on my XXXX account. 
They responded telling to call XXXX because its not the bank 's problem. I called again to explain it was their responsibility and XXXX doesn't take responsibility over it. 
They had done investigation and told me it was my fault for the fraudulent transaction. 
There was XXXX {$1000.00} transactions to XXXX XXXX and XXXX {$650.00} to the same person. Total of {$4600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting account number XXXX twice as a charge off account to Equifax. On page 23 of the Equifax report dated XX/XX/XXXX it shows account number XXXX, last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off in XX/XX/XXXX with a balance due of {$3300.00}. On page 25 of the Equifax report dated XX/XX/XXXX it shows the same account number XXXX last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off / Sold or Transferred in XX/XX/XXXX with a balance due of {$0.00} NOTE : Page 23 has account number XXXX as being open on XX/XX/XXXX ; Page 25 shows the same account number XXXX as being open 9 days later on XX/XX/XXXX I have contact XXXX XXXX Via Phone on XX/XX/XXXX and on XX/XX/XXXX I have sent them every document they have requested, in both conversations I requested that one of the entries be removed because both entries have the same account number and they are causing double the points to be removed from my credit score, XXXX XXXX has refused
Product: Debt collection

Requested Validation for debt owe. Was sent copies of dates and amounts. 
Subject : Dispute of Debt and Request for Validation Summary of Complaint : I am submitting this complaint against Midland Credit Management : concerning their collection practices and the validity of the debt they claim I owe. Below are the specific issues : Ownership of Debt : Provide documentation of the chain of ownership, including how the debt was purchased and transferred to the collector. 
Legal Collectability of Charged-Off Debt : Clarify how a charged-off debt remains legally collectable and why collection efforts are continuing. 
IRS Reporting ( 1099-C ) : Explain why a 1099-C form has not been issued if the original creditor has canceled the debt for tax purposes.

Compliance with FDCPA : Detail how the collector is adhering to FDCPA rules in their communication and collection practices.

Use of OC-10 Federal Reserve Window : Explain whether the original creditor used an OC-10 Federal Reserve Window or similar process involving negotiable instruments, such as a promissory note, to settle this debt, and clarify why this debt is still being pursued if it was already processed through such mechanisms.
Product: Credit reporting or other personal consumer reports

Recently I did and investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting act ( XXXX XXXXXXXX XXXX  XXXX XXXX Account # XXXX, has Violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? Consumers have certain rights and protections under the FCRA to ensure that their credit reports are accurate and that their personal information is used appropriately. As well as the procedures for disputing and correcting errors on your credit report.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Dear Sunrise Credit Services, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors : I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

To have this account removed immediately or counsel will be obtained.
Product: Payday loan, title loan, or personal loan

I applied for a loan, which I already have a loan with, and they told me it would not affect my credit score and offered me a low rate after I entered my income of XXXX. I have a XXXX and a XXXX and they told me after they approved my loan that they could only count one of  my income, therefore dopping my income down to XXXX, XXXX therefore forcing me to take a higher interest rate, mush higher than the one ai current ly have with them. and my credit report was dinged for nothing. This is a bate and switch. These are illegal sales practices.
Product: Credit reporting

I would like the incorrect name XXXX XXXX XXXX removed from the Equifax report as there has never been such a name used by me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - XXXX ; XXXX XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX THIS INFORMATION DOES NOT BELONG TO ME AND SHALL BE DELETED IMMEDTIAELY! ALONG WITH ANY INQUIRES WHICH MAY HAVE OCCURRED!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following entity is reporting to the normal credit reporting bureaus that I have an outstanding real estate loan with their organization : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX, ( XXXX ) XXXX. After seeing the reporting for the first time on Saturday, XX/XX/2020, I immediately contacted them and confirmed they have absolutely no record of me in their systems. It may be they are including me in their reporting of my ex wife 's mortgage. To be clear, I was NEVER on any loan associated with her current residence, even though the same was purchased during our marriage. I have asked both XXXX and XXXX  to cease this reporting and they continue to simply send me to the other entity.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT # XXXX 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: Debt collection

In the amount of XXXX To Whom It May Concern, In reference to the above-listed account, I am requesting that your company delete the derogatory account due to violations of the Fair Credit Reporting Act ( " FCRA '' ), the Health Insurance Portability and Accountability Act ( " HIPAA '' ), et seq. See. Reference Above WHAT YOU NEED TO KNOW The Privacy Rule generally requires that medical information that is used by a medical provider or its business associate should be limited to the minimum amount necessary for the purpose of the use or disclosure. 
My private health care information has illegally disclosed to one or more unauthorized parties without my consent, and absent my signed authorization. This unauthorized dissemination of private health care information has been, and continues to be of great detriment to my welfare, and is a violation of the HIPAA privacy rules.

The HIPAA-covered entity ( health care provider ) and/or its business associate and/or collection agency did NOT provide me a HIPPA release that releases my personal health care information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights There is NO balance due on this account. 
5.

6. 
There is NO permitted business purpose under the HIPAA privacy rules.

The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
It is prohibited to disclose private health care information by Credit Bureau 's, without the specific prior consent of the individual, under the HIPAA and State privacy regulations. 
Please note that as a recipient of private medical data you are also subject to the provisions of subtitle D of the XXXX, SEC. XXXX ( XXXX ) BREACH OF SECURITY. -The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that the effective enforcement of penalties against you for this breach is under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXXXXXX XXXX XXXX XXXX XXXX  of XXXX ( HITCH Act  ) as issued XX/XX/XXXX. 
10. Additionally your XXXX XXXX XXXX is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices. ( Section XXXX of the XXXX XXXX ).
Product: Debt collection

I rented a trailer from XXXX XXXX trailer park 3 years ago and when I moved in the trailer was in disrepair already. I lived there for approximately one year and during this time my trailer deteriorated to the point that my toilet was falling through the floor, my roof was severely leaking, there was raw sewage in my backyard and toxic mold in my A.C. The landlords, XXXX and XXXX XXXX then began to harass and stalk me. They parked their car outside my trailer and sat there for hours and when I went outside they mocked me because my husband had left me and they threatened me. I moved out of the trailer in XXXX of 2016 when I could no longer safely live there due to the condition of the trailer they refused to repair and due to the stalking and harassment from management. After I left, XXXX XXXX reported that I owed them for repairs and other various untrue charges totaling {$3400.00}. They used a debt collection agency called XXXX XXXX XXXX in XXXX, FL to attempt to collect this debt that I do not owe. I attempted to dispute this debt with XXXX XXXX XXXX but they said they are standing by their client and refused to remove the debt from my credit report. My family is now homeless and can not move into a place until this debt is removed from my credit report. XXXX XXXX is managed by slumlords and should be condemned. I have contacted the health department and will continue to pursue legal action against both XXXX XXXX and XXXX XXXX XXXX if this false debt is not removed from my credit report immediately. My family has a right to pain and suffering compensation that will include the full amount of time that they have attempted to ruin my credit and harrass me. I have video, picture and documented evidence of the deplorable conditions at XXXX XXXX and also witnesses who will testify on my behalf. This is my final attempt to resolve this matter before I take legal action against them. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, # XXXX, # 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. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Who certified the information to be true and factual? 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.