23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a Good Bye Letter, dated XXXX XXXX, XXXX, from XXXX XXXX notifying me that the servicing of my home mortgage loan had been transferred to Specialized Loan Servicing, effective XXXX XXXX, XXXX. I also received a Final Escrow Review Statement from XXXX XXXX dated XXXX XXXX, XXXX. 

For the last two years my payments have been on time and my home insurance and city taxes have been paid via the escrow account. The payment became due on the first of the month and I have been paying via my XXXX XXXX online no later than the XXXX of the month. Via my online account i could view prior payments and payments made from my escrow account. 

When I logged in to my XXXX XXXX account this weekend it was not possible to pay online. When I called XXXX XXXX I was told to contact another department ( XXXX ) during business hours. On Monday morning I called and over the phone was given my new loan number with Specialized Loan Servicing and another XXXX number ( XXXX ) In the last week I was unable to contact a live human being at SLS to discuss the status of my loan and the escrow account. I have two options to make a payment Online via XXXX and XXXX XXXX with a {$9.00} fee Via an automated phone system, with a {$9.00} fee Since I have no other options Ive made the XXXX payment today, XXXX XXXX, XXXX online.
Product: Credit card or prepaid card

Hello I XXXX XXXX recently applied for a credit card on XX/XX/2022. I received a denial letter XX/XX/2022 saying, Thank you for applying for American Express Gold Card. We are writing to let you know that, unfortunately, we can not approve your application at this time. So I called American Express the same day XX/XX/2022. Explaining 15 USC 1602 ( f ) which tells me credit is my right I can not be denied a right. American Express proceeds to explain I was denied because of my credit score. Then I respond with 15 USC 1602 ( p ) makes is clear they committed fraud used my credit card ( social security card ) without authority and I received no benefits. American Express repeats themselves saying your credit score makes you ineligible for credit according to our procedures. I respond with, Isnt that discrimination? According to 15 USC 1691 ( a ). These are three violations off of one phone call. I feel like Im being taken advantage of I feel stressed an XXXX  because I cant pay my bills and car notes an provide for my child. I know my rights as a person. This company policies doesnt supersede Federal Law. So Im asking you to step in to help American Express understand.

Thank you!
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the following creditors for failing to provide a Form 1099-C ( Cancellation of Debt ) within the legally required timeframe after my request. Additionally, because these creditors have failed to comply with IRS regulations, I am formally requesting the removal of these accounts from my credit report due to noncompliance and failure to validate or properly report the debt cancellation. 

XXXX. XXXX XXXX ( Account # XXXX XXXX {$3000.00} ) Creditor Name XXXX XXXX XXXX Account Number : XXXX Original Balance : {$3000.00} Charge-off Amount : {$3000.00} Date of Charge-off : XX/XX/XXXX Date of XXXX Request : XX/XX/XXXX Certified Mail Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX Failure to Provide 1099-C Within 30 Days XXXX. XXXX XXXX ( Account XXXX XXXX - {$1800.00} ) Creditor Name XXXX XXXX XXXXXXXX Account Number : XXXX Original Balance : {$1800.00} Charge-off Amount : {$1800.00} Date of Charge-off : XX/XX/XXXX Date of 1099-C Request : XX/XX/XXXX Certified Mail Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX Failure to Provide 1099-C Within 30 Days XXXX XXXXXXXX also sent a letter confirming that they sold the debit to XXXX XXXX XXXX, XXXX and continued not doxument it accurately ony credit report.
Product: Debt collection

XXXX is currently trying to fine me {$6000.00} for 2020 summer hospital charges. 

I have 2 issues. 

# 1 : I do not think they are billing my insurance correctly/ethically # 2 : I do not think I should have received additional care at XXXX XXXX. I was originally discharged at XXXX of XXXX XXXX but due to certain circumstances, they forced me to get further treatment at XXXX XXXX in XXXX.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our previous XXXX attempts, I regret to inform you that these items still persist on my record. As we enter the eighth attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.Please help me remove these fraud items immediately : XX/XX/XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XX/XX/XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XX/XX/XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

To whom it XXXX concern, I am a customer and user of BlockFi Inc. 

I had digital crypto currencies stored in the BlockFi Trading LLC. Digital " wallet '' which was marketed by the company as a way to, and I quote : " Easily safeguard and store your crypto.. ''. as stated on their website. 

In light of recent events ( paused withdrawals ) BlockFi have not yet processed my withdrawal for crypto currencies, initiated on the XXXX XXXX, which were stored in the wallet PRIOR to any announcements by BlockFi of company uncertainty and withdrawal pausing. XXXX balances were XXXX XXXX and XXXX LT ( Litecoin ) respectively. 

Under the terms of XXXX XXXX XXXX stated on this page XXXX XXXX XXXX. My funds ( valued at a market price of almost $ XXXX ) were maintained by XXXX XXXX XXXX acting on behalf of XXXX XXXX XXXX. 

These assets were supposed to be safeguarded and the terms also states that there was no transfer of ownership from myself to BlockFi while I used this XXXX ' service. 

I formally request that XXXX honour the asset withdrawal in my name and I request that these assets are not used to satisfy secured creditors in the even of bankruptcy filings.
Product: Mortgage

The bank did not follow banking regulations. They haven't sent a mortgage bill in over four years to someone who has passed away and I made a mistake and purchased a property with a mortgage. 

My mistake is the bigger mistake so I'll end up losing the property in foreclosure but the person who passed away had owned the property for over 50 years and there was no bill, so being careless and not getting a proper title search is understandable. 

I'm fine with losing the property, it was only {$7000.00} so it is not a huge loss but it would be great if a regulator could look at the bank 's business processes.
Product: Checking or savings account

On XX/XX/2022, I received 4 separate email notifications on my XXXX account regarding an attempt to create an Online Account with Bank of America. Thus far, Bank of America has not been responsive in addressing the fraud. The phone number in the email notifications leads to an automated voice service that requires account information, which I do not have, as I did not attempt to open an account with Bank of America.
Product: Debt collection

I noticed this alleged deb is listed on my credit report. I have sent out a request by mail to have verification of this debt and called today XX/XX/19 and was told that they do not send out any communication regarding a debt and don't attempt to collect by contacting you. She said they just list it on your credit report and proceeded to ask how I would pay. I asked for verification to be sent to me about this alleged debt and advised I have sent my request via mail and she said thy do not send that information out. She only said that because it is on my credit report it is " pretty legitimate '' and how would I like to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my credit report such as personal information. The following information has been addressed as incorrect by all 3 credit bureaus and they are still reporting. I have attached the letter that was sent to all of them
Product: Money transfer, virtual currency, or money service

I was looking for a puppy online, and this website popped up to me through a XXXX ad. I tried to buy a puppy through this website. The seller contacted me through phone and email. I paid {$900.00} in total, which included {$750.00} for the puppy and {$150.00} for the shipping. The seller only accepts Zelle payment. After I paid the total of {$900.00}, the seller asked me to pay an additional {$500.00} pet insurance in order to ship the puppy. That's how I found out it's a scam. I called my bank to reverse the payment because this is a scam, but they told me they can't do anything because it's through Zelle.
Product: Credit reporting or other personal consumer reports

my information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately Im attaching proof that Equifax has admitted that I was inactive victim of this data breach and Equifax has done nothing.
Product: Mortgage

I filed a chapter XXXX bankruptcy on XXXX XXXX, XXXX. We had a hearing on XXXX XXXX, XXXX. To figure payment to creditors and that totaled {$2400.00} a month as well as {$1500.00} mortgage payment. I had to submit a payment on the XXXX for {$2400.00}. My case was continued to XXXX XXXX, XXXX. Because I filed on XXXX XXXX, XXXX I was expected to submit another payment of {$2400.00}. Which was only 2 weeks from first payment. I am currently employed at XXXX XXXX and am a single mother to XXXX children. XXXX of whom is special needs, On XXXX XXXX, XXXX. I opened my home to a family displaced due to transitional housing cut backs.One person in that family has health issues and a XXXX. Due to this forclosure XXXX families became homeless during the Holidays and the cold of winter.. I have aquired my home with my husband during our marriage XXXX years ago, and seperated from him in XXXX. We are now going thru a XXXX, I originally left our home and rented a home with my XXXX XXXX XXXX daughter. We were evicted due to violent outbursts and destroying rental property by my XXXX XXXX son. Who is XXXX XXXX XXXX and very disruptive. He is a habitual XXXX caller. I returned back home to save it due to my husband unable to make house payment. I came back to a house that was destroyed.We had no water and no heat, and alot of damage. It took me 8 months to make the house livable again. After only 12 months me and my childrens home was sold at auction on XXXX XXXX, XXXX. What makes it so devastating was that I was never even notified of the sale date. Or given a chance to try at all costs to secure and save our home for my kids. The new owner just appeared on my doorstep unannounced on XXXX XXXX, XXXX at XXXX. She was threatening to evict me, and I had no idea that the mortgage company had even auctioned off my home. Because XXXX XXXX had accepted 2 payments in last 5 months, and then without notice sold my home out from under me. I can not rent due to my son and the eviction on my record. And now I have no idea what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a year that I have been trying to fix my Credit file by fixing or removing any and all erroneous accounts off of my XXXXredit File and yet the Credit Bureaus have done nothing. I am submitting this CFPB complaint to demand that the Credit Reporting Agencies remove the charge off accounts being reported on my Credit FIle. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required to provice accurate information to be reported on my Credit File. I noticed that there are negative items on my Credit File and have been asking the Credit Bureaus to investigate the accuracy of the accounts being reported. The Credit Bureaus have been ignoring my requests neither did they send me any documents supporting their claims that the disputed accounts are accurate. However, they kept reporting the disputed accounts as if these accounts are accurate which is a clear violation of my rights under the FCRA. I need the following accounts removed with no excuses : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}. The Credit Bureaus are required to respnd to my disputes and provide documents to support their claims that the information they report are accurate. Yet, the Credit Bureaus failed to so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to explain during that period I was both mentally and physically XXXX XXXX XXXX XXXX to where the United States government felt that I was not capable of handling my own affairs and ordered XXXX representative. During that time the car dealership was given all of the financial information including the the awards letter, and the bank statements that 100 % said I was not in charge of my financial and still through dealership magic got me into a car Im just wondering that if XXXX XXXXXXXX is enough to have us acquitted of a crime or committed to a hospital against Will why isnt it enough to assist against the dealership that took advantage of that disability.. 

I have tried to fight and have spent countless hours on the phone getting absolutely nowhere ignored mysteriously disconnected and straight out told were hanging up on you.. 
I can send documentation, but would like to do it through better secured email because it is information from Social Security
Product: Mortgage

On XX/XX/XXXX, I paid off a mortgage, and more than a year after I had not received a final statement of my account, until I received my Form 1098 for XXXX this year, which included a balance statement of my account. 
One of the entries in the statement details an Escrow Refund amount of {$3.00}, XXXX, which was never received. 
When we contacted the company to inquire about the check, they claimed the check had been sent on XX/XX/XXXX of this year, XXXX, and I should be getting it in about 10 days ; when the check did not arrive, we called again! 
This time their narrative was that they had made a mistake, and that the check had actually been sent last year, XX/XX/XXXX, so we asked that they provided a copy of the cashed check, then they changed the narrative yet again, saying the check had returned to them, and that they " would issue a new check and I should get it in 3 weeks ... '' In conclusion, they keep giving us the run around and they have kept the money for more than a year! So far, I have not got it.
Product: Mortgage

Freedom Mortgage took over my existing mortgage in XX/XX/year>. I do not escrow funds for insurance or taxes. All payments for XXXX  were made by me. Now Freedom Mortgage is billing me for an escrow shortfall and they are demanding that I fund escrow for my flood insurance. This amounts to a fundamental change in the terms of my mortgage made without my consent. I have made at least 8 phone calls to try to rectify this and Ive gotten nowhere.
Product: Debt collection

I receive a lawsuit notice during the time period I'm allowed to respond to the summons/complaint notice!!! Not cool!! You have to let people respond to the original notice and there's a time period!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a Complaint against Experian and against XXXX XXXX that is listed on my Credit report twice. I have disputed then at least 6 times and each time I dispute them they come back with an different answer saying that the account is accurate causing my score to constantly drop down to a XXXX and I paid all my Bills on time before my Bankruptcy. I have explained to them over the phone and through the dispute that this account is in Bankruptcy at first in a Chapter XXXX and then after that a Chapter XXXX and they never put the account in either Bankruptcy. They just kept putting it as past due and pulling my Score down disobeying the Bankruptcy Laws. So I will like to file a Complaint against XXXX and Experian for keep allowing them to do it, and I have submitted proof of both Bankruptcy documents to show that XXXX is on my Bankruptcy Documents. Please Delete Both accounts from my Credit File if they can't obey the Bankruptcy Laws.  and put my Credit Scores back up in the XXXX where it should be. 

Thank You, XXXX XXXX XXXX
Product: Debt collection

on same day in XXXX 2015 they called my wife at work, me at work and me at home, from XXXX. The man, XXXX XXXX, stated he was trying to find our son to collect a debt, that a claim had been filed against him and his old address was no good. Informed XXXX XXXX that we did not know where our son was and to not call us any more. On approximately XXXX XXXX XXXX XXXX called again. We informed him of previous request not to call, that he was violating FCRA, and ask for his company name, address and phone number. He would only supply CKA as the company name and then hung up.
Product: Student loan

I inquired about removing my name as a co signer after being a co signer for more than XXXX years. Navient informed me more payments had to be made, before me being removed.
Product: Debt collection

XXXX/XXXX/XXXX XXXX XXXX with with XXXX XXXX XXXX threatens to sue and suspend license for unknown debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX My name is XXXX XXXX XXXX , and I am writing to formally dispute certain accounts that have been inaccurately reported on my credit report. Upon reviewing my credit report in XX/XX/XXXX, I noticed that the following accounts should not be reflected in my credit history, as I have no knowledge of them or the balances reported are incorrect. Please find the details of the disputed accounts below : XXXX. Account Name : CAVALRY PORTFOLIO SERVICE Account Number : XXXX Reported Balance : {$0.00} Account Status : Unverified XXXX. Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Reported Balance : {$2100.00} Account Status : Unverified Under the Fair Credit Reporting Act ( FCRA ) of 1970, I have the right to dispute any incorrect or unverifiable information on my credit report. The FCRA mandates that credit reporting agencies must verify the accuracy and completeness of the information reported. If they can not verify the information within a reasonable time frame, it must be removed from my credit report.

I refer to the following key sections of the FCRA that support my dispute : Section 609 ( 15 U.S.C. 1681g ) : The right to obtain a copy of my credit report and to dispute any incorrect or incomplete information.

Section 611 ( 15 U.S.C. 1681i ) : Credit reporting agencies must investigate disputed information within 30 days. If they can not verify the information, they must remove it from my credit report.

Section 605 ( 15 U.S.C. 1681c ) : Limits the amount of time certain types of negative information can remain on my credit report ( e.g., unverifiable accounts must be removed if they can not be verified ). 
I kindly request that you investigate and remove the accounts listed above, as I have no knowledge of them or, in the case of the XXXX account XXXX the reported balance is incorrect. If you are unable to verify the information within the 30-day period required by law, I expect that appropriate measures will be taken to correct my credit report and remove the referenced accounts. 
Attached to this letter are the documents that support my dispute. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the correction of my credit report soon. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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.
Product: Debt collection

On Mon XX/XX/XXXX XXXX PDT, XXXX  from Asset Recovery Solutions ( a debt collection company ) called my brother to collect a debt from me. The Debt collector proceeded to state the last 4-digits of my SSN to my brother to verify that he was me. She agreed to being recorded and I have a recorded conversation of her stating my Personally Identifiable Information aloud over the phone which is a HIPPA violation ( attached ).