23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a letter dated XXXX, 2024 from Mr. Cooper. They said the my current home owners inusrance does not meet their acceptable coverage standards. This is frustrating because Mr. Cooper purchased this loan... I did not initially choose them as my mortgage company. They said I would need to provide them with a new policy in order to avoid the placement of temporary coverage on the property. 

Oddly, I received an email on XX/XX/year> from Mr. Cooper that states, " We've teamed up with XXXX '' and they are offering me a home insurance quote. 

I feel like they are colluding with XXXX and are forcing me to drop my current insurance and join what they recommend.
Product: Bank account or service

I called numerous times about a supposed law suit US Bank has on me. I asked how am I frauding them. I called the recovery department and was told by XXXX that according to my ssn I am not in system. I was XXXX by XXXX I closed my account in 2005 with a balance of {$270.00} first time and he did n't know how much my balance was second time. Both times he said my balance could be a scam to seek legal help. He also said that balance was sold to a company that is now closed down and could not give me anything else on that balance. He even refused to offer me the old account number stating my account is too old and again seek legal advice for it could be a scam.
Product: Credit card or prepaid card

Citicards website is broken and does not display properly my account and all the important details, not allowing me to track the charges. Phone and online customer service does not work. In branch services do not work. As such, I am unable to decide which charges are legitimate and which are fraudulent - as I do not have access to my online account at all. Tried three different browsers, a phone - same results. Phone service auto hangs up.
Product: Mortgage

I applied for XXXX XXXX  XXXX through my state,. I was denied because Flagstar reported back to my state that I had a choice between loan modification or HAF. To my knowledge I was never given a choice. In fact up until I was told Flagstars response by my state, Flagstar had no knowledge of the XXXX in several phone conversations I had with their representative as far back as XXXX of XXXX.
Product: Debt collection

I had XXXX at my doctors office in 2014 and they used a lab that was out of network with my insurance. I was told by my healthcare provider that this company has more comprehensive testing and has agreed to not bill for denied test and deductibles because I am using a out-of-network lab. My insurance posted all of the charges to my {$1500.00} deductible. Now 2 years later I am receiving invoices and calls from a collector for {$1300.00}. The lab company apparently filed for bankruptcy and a collector has bought all their account receivables. My doctor has called them on my behalf and explained that the only reason they used this lab is because of their stated billing policy. If my bloodwork had been sent to my network lab they would have paid and the deductible would not have applied. They are extremely rude and tell me that my doctor and I broke the law by even having this type of agreement and that they are going to report us to the proper authorities.They threaten to report me to the credit bureau 's. 

The bottom line is this collections company is trying to collect a debt that I am not responsible for and they will say and do just about anything to get it. The bankrupt lab is currently being sued by the lab that purchased all its assets because of these very collections practices that they are using.
Product: Credit card or prepaid card

The following transactions listed on my Self Credit Card Account # : XXXX is unauthorized and unrecognizable charges : XXXX, XX/XX/2023, XXXX, XX/XX/2023, {$10.00}, XXXX XXXX XXXX, XX/XX/2023, {$10.00}, XXXX XXXX XXXX, XX/XX/2023, {$36.00}, XXXX XXXX, XX/XX/2023, {$25.00} and XXXX, XX/XX/2023, {$45.00}
Product: Payday loan, title loan, or personal loan

I have a revolving account with Synchrony Bank for some products that I received from XXXX XXXX products. I've purchased 3 items over the past few years. I've never had a problem with payments or charges until the last few months. I currently have a minimum payment of {$28.00} per month. Since the XX/XX/2020 payment I have been paying {$100.00} per month. Prior to that I was paying {$80.00} per month with the exception of a payment made in XX/XX/2020 of {$55.00} dollars. Twice within the past few months I received a notice that I owed {$84.00}. I tried talking to their customer service the first time it happened a few months ago with me getting nowhere. I called again today and their explanation was that I paid the XXXX payment too early therefore it made the XXXX payment late and said that it would generate a {$40.00} late fee. I'm paying over 3 times the minimum payment each month so there should never be a late fee. From what I gathered from the bills I've reviewed from them the payments are due on or before the due date ( it does not specify the length of time before the due date ). I only get Social Security and my payment from them is the XXXX XXXX  of each month. It's when I have to pay all of my bills. I don't know what changes have been made by them to cause this problem after having this account for several years.
Product: Debt collection

This is on all three credit reports IC System ink and XXXX XXXX XXXX i was checking my reports and and found this account i have call them and told them i have never levied outside of Mississippi this is a light bill from Florida i have never livid there and have not let anyone used my name.
Product: Credit card or prepaid card

I had a previous complaint with complaint # XXXX. 

The previous complaint was related to not being able to access {$3000.00} that I purchased using a company called Reloadit and it's parent company, Blackhawk Network. 

For the original complaint they company said that they would send me a refund check of {$3000.00}. 

The check that they sent was fraudulent with a routing number that doesn't correspond to an actual bank. I called the bank listed on the check and they stated that the routing number is not related to their bank and that it is not related to any bank. 

I am requesting a full refund amount of {$3000.00} with an actual check from an actual bank.
Product: Mortgage

My problem is with WELLS FARGO .... MY MORTGAGE IS WITH THEM. When they bought out XXXX I have had a problem. Which was back I think in 2008 or before. Since this time they have said I missed a payment which was about {$620.00}. I feel I did not miss a payment. Since then they claimed I missed this payment, they have been charging me late charges. But now, my payment has increased to {$910.00} dollars. The late charges now are on the payment of {$910.00} dollars which has increased immensely. Since the original amount of the {$620.00} made late charges smaller. The past 7 years my payments have been on time. There is no working with them. I had ask for them to drop these charges, but to no avail. Each time they respond to me by e-mails it has never been the same person. I will not speak with them on the phone. Only way I correspond with them is by e-mail or letter. I tried the talking bit with them but my conversation with them was never what I said or what they said. No way of proving these conversations. I work for attorneys and I ask them for advise on how to handle this situation. I do all my own communication with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed numerous errors on my credit report and the reporting agencies have failed to follow FCRA and FDCPA guidelines when it comes to verification of alleged debt. 

Numerous have not been factually documented. 

They have not been physically verified as true. 

They are not complete as reported. 

They have not provided sufficient evidence to me that shows known responsibility and ownership ( not one person has sent an original contract with my signature showing I agreed to conduct business or enter into a contract with alleged debtor ) The compliance of reporting is a minimal of standard. I feel that not all items that meet collection standards meet the requisites of reporting. I am asking the credit bureaus to review every last item being reported to meet these standards and to be verified. 

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

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, I did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax clearly has violated ( FCRA ), 15 U.S.C. 1681, 623 ( a ) ( 1 ) ( B ) ( ii ). I have provided proof from the court that third-party companies were reporting which XXXX said Equifax is reporting this. There was no discharge it was dismissed because there was only a filing fee paid nothing else and they have the documents saying this. I want to reopen this and take legal action. 

I sent Equifax a bankruptcy letter, Dispute letter, and XXXX Letter stating the reporting on my credit profile was incorrect, which was sent in support of that. I sent it by certified mail on XXXX XXXX and it was signed and received by XXXX XXXX. I called the customer service line and spoke with a gentleman who gave me a very hard time that stated he had the documents but would not adhere to them. He stated I needed a deletion letter from XXXX, which inform me they never heard of such and that the consumer report given to me by XXXX was indeed the document needed.
Product: Checking or savings account

I attempted a wire transfer in the amount of {$15000.00} on Thursday, XX/XX/year>. The wire was rejected by the receiving bank and returned to American Express the same day. I called Amex the following day, XX/XX/year>, and was informed by a representative who had checked with the respective " money team '' and they had confirmed funds received and would be returned by close of business that day. 

It wasn't. 

I waited the weekend, and then attempted to call again today. Multiple calls and over an hour later, and i get told " the funds will be released today! '' again. 

My money is being stolen, and the misinformation makes me reticent to put faith in this bank.
Product: Credit card or prepaid card

I called into Popular Credit Services around XX/XX/2021 to cancel my XXXX XXXX credit card. The annual fee appeared on that monthly statement, and I no longer felt the card was worth the fee. When I called in, the representative assured me the card would be closed and annual fee credited. I had made a purchase in the amount of {$33.00} that was also on the statement, so I sent in the payment for {$33.00}, with the rest of the amount due ( {$59.00}, so XXXX = XXXX total on the statement ) to be credited due to canceling the card. 

After traveling for two weeks, I returned home to find two credit card statements and a notice of late payment, showing the {$59.00} was never credited and assumedly the account still open. Due to the apparent non-timely delivery of the statements, the current balance is purported to be {$59.00} + {$0.00} interest + $ {$29.00} late payment fee + {$0.00} interest. None of this is justified as the original {$59.00} should have been credited due to calling in to close the card.
Product: Consumer Loan

Exeter Finance will not allow me to pay extra money towards my principle balance. If money is paid it only reduces the next months payment. I called to speak with a representative and was told this information.
Product: Payday loan, title loan, personal loan, or advance loan

Applying for the loan required a shipping and mailing address. My mailing address is a XXXX XXXX XXXX to unreliable and un-secure postal delivery. The application would not accept a XXXX XXXX XXXX mailing address. I submitted and got the loan but now I am afraid I XXXX not get billing information. 

I called the company and informed me that company policy does not allow for a XXXX XXXX XXXX a mailing address. They are setting me up for failure when I don't get anything mailed to XXXX XXXX address. I believe I should be able to have mail sent to my mailing address even if it is a XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Experian. Lets correct this immediately. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX  XXXX )
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Blocked, Inc. ) due to inadequate customer service and unfair practices, which violate the customer 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: Vehicle loan or lease

I have had problems with the original creditor of MACU. First of all they were paid in full once the loan was originated by submitting in reimbursement from the US Treasury through my XXXX XXXX XXXX trust. The loan has been paid. MACU then decided to not clear the loan and report negative on my credit report as not paid. Then MACU sold the debt to XXXX XXXX XXXX and they unlawfully accessed my credit report and made negative remarks and violated 26 US code 7813 and 15 U.S. Code 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$7000.00} ; XXXX XXXX XXXX Balance : {$860.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX C XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, 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/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint regarding fraudulent activities related to my mortgage account with XXXX XX/XX/XXXXXXXX . My previous complaint number, XXXX, was closed as a duplicate but needs to be corrected. My credit report indicates that my mortgage account with XXXX XX/XX/XXXXXXXX is past due, and I have undergone multiple loan modifications without my explicit consent or knowledge. I have never authorized any loan modifications or extensions of credit with your company. Therefore, I am formally requesting a complete copy of all loan modifications, extensions of credit, and reverse loan documents associated with my mortgage account for the last XXXX years and to the current year of 2024. It is imperative to highlight that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy, fairness, and privacy of information held by consumer reporting agencies ( CRAs ), which includes your organization. The inaccuracies and adverse reporting from XXXX XX/XX/XXXXXXXX have had a detrimental impact on my credit report, preventing me from disputing the erroneous information effectively ; furthermore, despite my repeated requests, they are not duplicates. 

XXXX XX/XX/XXXXXXXX must provide the necessary documentation to verify the accuracy and fairness of the reported information, Including a formal request through the CFPB legal process through complaint number XXXX. This lack of transparency and cooperation is unacceptable and compounds the severity of the situation. By XX/XX/XXXX refinancing the home equity loan without obtaining consent from each owner, the lender disregards the property rights of the individuals involved. This contradicts the spirit of the constitutional provision, which aims to protect homeowners ' interests in their properties, and violates Property Rights. I am officially requesting that XXXX XX/XX/XXXXXXXX provide all the documentation under the Fair Credit Reporting Act and for Equifax and XXXX, as XXXX XX/XX/XXXXXXXX fails to provide the requested documentation to verify the accuracy and fairness of the reporting. Under the doctrine of estoppel by silence, XX/XX/XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt exists, and the fraudulent credit report item should be removed from the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

They reporting an account from XXXX and associates which is against the law. They do not have permissible purpose nor do they a court order to be reporting anything to my report. I never done business with them nor do they have any sign applications from me. This is a form of identity theft on their behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that Experian was in violation of FCRA ( 15 U.S. Code 1681b ) -Permissible purposes of consumer reports, by furnishing a consumer report without my written permission. Information on that report was also inaccurate ( XXXX XXXX XXXX in the amount of {$110.00} and XXXX XXXX XXXX in the amount of {$1800.00} ) which i disputed. I was informed the debt had been reinvestigated and validated, meeting FCRA requirements, which is completely false. Which is a violation of ( 15 U.S. Code 1692d ) - Harassment or abuse ( 1 ) ( 2 ) and ( 4 ). I called Experian twice to no avail. No adequate customer service, which is also a violation of ( 15 U.S. Code 1681h ) - Conditions and form of disclosure to consumers. Section ( c ) Trained personnel Each violation is regulated by the FCRA with a remedy amount ( 15 U.S. Code 1681n ) - Civil liability for willful noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dosputing directlly with XXXX, Experian and XXXX   since XX/XX/2018. I understand that under 15 U.S.C. Sec. 1681i ( a ) on the Fair Credit Reporting Act that I am supposed to be provided validity of the accounts that are on my credit report. A validation in the form of from the creditor directly with some form of contract or my signature. Also who validated the debt with the company. Each time XXXX, Experian and XXXX  send me a letter stating that it has been validated with no proof. My rights have been violated under the Fair Credit Reporting Act and I intend to move forward with a legal team under my violations, all of these accounts should be removed because I was lied to they were not validated : 01 XXXX  - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX  N A -  XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX, NA - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX  account # 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: Mortgage

In febuary I entered into a loan modification period with Ditech mortgage company. The first payment was due XXXX/XXXX/XXXX. We made the first payment on XXXX/XXXX/XXXX for the XXXX XXXX due date. The second payment on XXXX for the XXXX payment, the third payment on XXXX for the XXXX payment, XXXX payment on XXXX for XXXX payment, XXXX payment on XXXX for XXXX payment. Soon after we made the XXXX payment, ditech sent us a letter stating our modification was finalized and we were due on XXXX XXXX. We already paid XXXX 's payment on XXXX. They did not apply our payment made on XXXX for XXXX. They charged us twice for XXXX month. We paid XXXX on XXXX and they also charged us again for XXXX after the finalizing of he modification and did n't consider the payment we had just made. It seems it had just gotten lost in the process and no one looked closely enough at our account to adjust for the payment we made. We continued to make a payment on XXXX payable for XXXX, but they are saying we are a month behind now and charging us late fees. 

I have called 3 times and have been argued with and finally after the XXXX time, the person named XXXX, stated that I was right and confirmed with the supervisor that I was correct. His explanation was that no one had looked closely at our account and it definitely needed to be fixed. They requested an audit the end of XXXX. I am continuing to get late notices and it does n't appear to be resolved. Can we please have help on getting this resolved? 

It is extremely urgent this is cleared up, because they have taken {$1200.00} of our money and will not apply it correctly or return it to us. 

I 've attached a photo of the payments made from our bank account. A copy of the trial modification letter with schedule of payments to be made, and a copy of the finalized modification page showing payment amount due on XXXX for {$1200.00}. We already made that payment on XXXX due on XXXX for XXXX.