23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Those charges were related to move-out expenses from the condominium I used to live. When I moved out, condo management said that the invoice was not ready yet ( there were painting expenses they could not precise, for example ), so they would mail me the invoice later, with any additional charges they might had in addition to my existent deposit with the condo. I never received any invoice, phone call, or email. In XX/XX/XXXX I was very surprised to be contacted by a Collection company, charging me for a debt I did not know it exist. The agent was very rude and ironic, and mentioned the name of the condo " The XXXX ''. I immediately contacted the condo via phone and they requested me to go to their office to settle the issue, which I did. The office manager checked my file and confirmed that indeed I never received such Notice of charges because they mailed my invoice to a wrong address. She even showed me the letter itself, returned by the post-office, so they knew I have never received it. They also never contacted me via phone or email, both information that they had in file. I lived in that condo for over 2 years and never had a late payment. That was in XX/XX/XXXX ( please see the attached receipt of payment ), and the office manager, XXXX, apologized for the inconvenience and assured me that the collection company would not bother me again. Not only the collection company bothered me again, several times, via phone ( the same rude and sarcastic agent ), but the firm also placed me as a Collection account, in XXXX. So the Collection company actually reported a mistake from the office, for a Notice that I never received ( please see the attached Notice, containing a wrong address ), which was returned by the post office, and then the company reported me a month after I made the payment directly to the condo. 
I 've had to dispute the information with the 3 Bureaus to have it removed. That was in XXXX. 
Now, XXXX years later, the Collection Agency reported me again!! This time they reported an account in collection, paid. That is in incorrect, since it was proven XXXX years ago that I never received such notice. 
I want this information removed from the Credit Bureaus immediately. This is disrespectful, it 's a waste of my time, and could have been a disaster for me since I had the closing of my Home 3 months ago. My FICO score dropped 22 points. They had no respect, they treated me with sarcasm, and they just assumed that I was a bad payer and made jokes. And now again, XXXX years later, they report this? I really wish there was a way that CFPB could punish this type of reckless behavior and lack of respect.
Product: Credit card or prepaid card

I logged on to one of my Citi/AAdvantage accounts to make a payment and discovered that the account, with no notice or explanation, had been closed. I logged on to my other Citi/AAdvantage account and discovered the same thing had occurred. 

I talked to three separate customer service representatives, not one of whom had any idea why my accounts had been closed.

In the meantime, I received letters from Citibank after the fact that my accounts had been closed because I had one or more late or returned payments. 

I made an online appointment with a Citibank representative, who called the credit card division, and was told that I had a few payments that had been returned. None of those payments resulted in a late fee, as the minimum amount due each month had not only been met but also surpassed. The representative with whom I spoke said she had never heard of such a thing as an account being closed because of returned payments, especially those that were in excess of the monthly amount due. 

She filed a request for a review of my accounts, and I was notified two days later that the accounts could not be reopened because I had one or more late or returned payments. The reason there were returned payments in the first place was because on those few occasions they were not showing up on my available credit and I chose to make the payments to another card where they did show up immediately and thus allow me to earn points. 

First, I have not had one late payment on either account since opening them. Second, the returned payments were not due for payment at the time. Third, the Late Payment Warning on my statements is that if minimum payment is not received by the due date that I might incur a late fee and my APR may be increased. Nowhere does it state anything about returned payments that do not constitute minimum payments. Finally, I did not get so much as a letter of warning or explanation, in which case I would have not had the payments returned. 

I see no reason, given my history of prompt payments on my accounts, that Citibank could not have simply reopened my accounts ; instead it has caused great damage to my credit score. I request Citibank reopen my accounts so I can continue to be a valued customer. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX should have been removed from my Experian credit file this month as it is stated to when viewing my report..
Product: Credit reporting or other personal consumer reports

I am asserting my right to dispute and investigate these accounts as they are wrongfully listed on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} for each incorrect entry on my credit file. I understand that FCRA 605B requires us to report any inaccuracies on a consumer 's report.
Product: Credit reporting or other personal consumer reports

Improper use of my private credit report. I did not give permission for this company to access them and provide false and misleading information on them. This was a checking account and NOT A LOAN as stated on my reports.
Product: Mortgage

XX/XX/scrub>XXXX XXXX XXXX My mortgage loan was transferred to Mr. Cooper from XXXX XXXX Mortgage company in XX/XX/XXXX My mortgage loan will be paid off in XX/XX/XXXX after being finance for only XXXX years. I have a credit score of XXXX which means I pay my bills. 
I did not receive any paperwork from Mr. Cooper intil XX/XX/XXXX about my loan being transferred. I called the nuber I was given to see if the Auto_Pay would still be in effect on XXXX of each month. The person I talked with stated she could not see my loan on her end because it had not fully process with Mr. Cooper. I also ask if I could make apayment since my loan was paid on the XXXX of each month. She told me she could not take a payment also. So, not knwing anything, I mailed a checked on XX/XX/XXXX for my mortgage payment. Then on XX/XX/XXXX, an auto-pay of {$1500.00} was taken out. I called onXX/XX/XXXX and was told my check has also posted. 
I asked could my check be returned since Mr. Cooper had alread received a payment. I was told that my money could not be returned until the check cleared my bank. I told the reprensentative that I could not afford to make two payments. I needed the almost {$1600.00} to pay my other bills for the month. She told me if I put a stop payment on the check, I would be charged a fee of {$15.00}. I told do you not understand, I need that money to pay the rest of my bills. I tried to find out if the Auto-Pay was in place and noone could tell me. She stated you want have to make another payment until XXXX. She did not understand I could not afford to make two payments of almost {$3200.00} in one month. 
So, after taking with her, I called XXXX XXXX and put a Stop Payment on that check. I was able to pay my utilities and buy food for the rest of the month. Mr. Cooper charge me a {$15.00} fee. I sent a copy of a letter that no fees would be chaged until after 60 days when it came to transferring your loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute is with Experian and why they can not explain why my FICO Score dropped 60 points in a month. Their blase ' response is to provide me with percentages ... and a swipe of their hands to dismiss me because, as they say, FICO scores can not be disputed. HUH? I thought, " So you can't fight City Hall? I have no recourse, they say. Their Boost program might help my score, but I have to give them permission to review my bank statements ( after their breach in 2017 ), and/or apply to one of their referred credit card companies. 

Back to how my score would drop so drastically after a year of stabilization. I was considered fair and now I am considered poor and I don't know why it changed. I did apply to XXXX XXXX for a credit card, a hard inquiry. 

My credit report shows " You have no positive factors impacting your score. I had decent credit for years before I had a financial hardship, and they are on my credit report. And the credit card companies 'charged off ' my debt a while ago. And now Experian, shows that I have 7 NEW late payments. These are the old charged off accounts, except for XXXX which is in collections for {$160.00}. These are not NEW. Why are they affecting my FICO score now? 

Experian notified me of my credit score drop and immediately offered me credit card application solutions. 

Experian said that their models could change and this might be a contributor to my drastic score change. How can they decide to change models at the detriment of consumers? 

How can Experian being exempt from mistakes? 

I need help to correct this serious problem. I need a sound explanation as to why I am stuck under a thumb that doesn't care about consumers. This is UNFAIR! I
Product: Student loan

Facts : I currently have a Total Balance of {$120000.00} for all federal loans. 
Direct Sub Consolidation Loan - {$67000.00} Direct Unsub Consolidation Ln - {$51000.00} I have incurred significant negative amortization on my federal student loans since enrolling in this program. I would not have incurred such negative amortization if I were in enrolled in other payment plans or programs. I am now forced to deal with this scenario and committed ( due to the negative amortization I have incurred ) to following through with Public Service Loan Forgiveness ( PSLF ). This means that calculating my Qualifying Payments Made is essential and critical. My current Qualifying Payments Made is showing zero [ 0 ] qualifying payment made as of XX/XX/XXXX. If this is not resolved reasonably I will be left with only the option of suing, which is a further burden to myself ( never mind trying to locate an attorney who will take my case ). I strongly believe this is malicious and intentional activity on the part of XXXX XXXX to defraud public servants like myself who have enrolled in this program. 

On XX/XX/XXXX I became full-time employed with a state agency of the State of Texas ( that is a qualifying employer for PSLF ). 

XX/XX/XXXX my federal consolidated and unconsolidated loans were transferred to XXXX XXXX. 

XX/XX/XXXX I contacted XXXX XXXX via their upload file communication, and mail. I sent a letter communicating the total number of Qualifying Payments Made is shown as zero [ 0 ]. 

I also called in XX/XX/XXXX and XXXX XXXX indicated they had a copy of my Employment Certification Form ( PSLF ). They said that it would take 90 days to calculate my qualifying payments made. As of XX/XX/XXXX this calculation has not been done. 

XX/XX/XXXX I uploaded and mailed a letter to XXXX XXXX that had a copy of my Employment Certification Form ( PSLF ) signed and dated by my employer 's human resources representative on XX/XX/XXXX. 

On XX/XX/XXXX I notified XXXX XXXX via mail and upload option from my account that my Qualifying Payments Made was still showing zero [ 0 ]. I also let them know if this was not resolved by XX/XX/XXXX I would retain an attorney. 

On XXXX I contacted XXXX XXXX at XXXX, and asked what was taking so long. I was informed that my qualifying payments had not yet been calculated and it would require the representative to submit an inquiry that would take 6 to 12 months to resolve as to why this had occurred or to calculate Qualifying Payments Made going back to XX/XX/XXXX. I let them know that was absurd and asked for their legal department and they said they did not have one. I confirmed the PO Box mailing address and said I'd send my notices to that address. It is absurd that I have to deal with this kind egregious and notorious behavior to deter, or otherwise engage in action that would not document my public service properly.
Product: Mortgage

I was in chapter XXXX, XX/XX/XXXX through XX/XX/XXXX. Trustee paid {$14000.00} to heloc loan with Countrywide/Bank of America loan # XXXX, {$2000.00} was for interest. This entire amount has not posted to the account. They reported no payments for to the XXXX credit report " no payments '' for XX/XX/XXXX during chapter XXXX and for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The balance does not show the entire amount applied from the trustee.
Product: Mortgage

On XX/XX/2023 I logged into my account with Mr. Cooper online because I wanted to update my autopay amount. I noticed that the next scheduled autopayment was for XX/XX/XXXX and no payment activity, either pending or cleared, for XX/XX/XXXX was listed anywhere on the account. Not wanting to miss a payment due to a website error, I made a payment for the month of XXXX in the new amount I was intending to increase my autopay to, and then also changed my autopay amount, setting it up to start on XX/XX/XXXX. 

That payment cleared XX/XX/XXXX on my checking account. Then, later that evening, another payment for the old autopay amount was deducted from my checking account. To my knowledge, at that point they were not authorized to make that payment. I called the company on XX/XX/XXXX to request a refund. After communicating with the rep and getting a transaction history communicated to them on the phone through my bank 's automated teller, I was told that my refund request would go through and I would see the funds from the erroneous charge returned to me in 24-48 hours. 

On Thursday, XX/XX/XXXX ( 72 hours later ), the funds still had not been returned to my account. I called Mr. Cooper again, spoke with another representative. That representative told me the previous request had been rejected. No attempt to contact me about this rejection was made, so already there is a problem here. This time we got a representative from my bank on the phone with us to communicate a confirmation number for the funds withdrawn from my account in error. Once again, I was told that the funds would be returned to me in 24-48 hours. 

It is now Tuesday, XX/XX/XXXX, XXXX business days and XXXX calendar days later, and I still have not had my money returned to me from this erroneous charge, nor did I have any contact from Mr. Cooper telling me of any problem. I called once again, spoke with yet another representative, and they told me there was no record of my second request. Time I was told that the refund was issued by the person I was speaking to on the call and was given a confirmation number for the refund, but once again I am being told to wait 24-48 hours. 

I do not at this point have any faith that Mr. Cooper will actually return the money they took from me without my knowledge or consent. I can not imagine this is legal.
Product: Money transfer, virtual currency, or money service

I sold a pair of shoes to a customer ( XXXX XXXX ) over cashapp. Once the transaction was complete and after reciving the shoes XXXX XXXX disputed the charge with their bank. Cashapp without notice or warning took the funds out of my account to refund XXXX XXXX. In the past cash app has told my bank ( XXXX ) that once a transaction is complete that its out of their control and that is their company policy. So my question is how did this person get their money back? I reached out to cash app and I have screen shots of a cash app representative ( XXXX ) stating they would cancel the charge from account which hasnt happened. I disputed the refund with my bank and that same statement of once a transaction is complete there is nothing we can do was given to the representative from my bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX De XXXX XX/XX/2024 XXXX CFPB Investigation previous to this, Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. I have fallen victim to identity theft. Which i have submitted FTC reports to show the fraud that has impacted my life. I sent a letter regarding inaccurate and unknown things on my credit report. I have attached a recent FTC report to this complaint today To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes to Equifax. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately.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. If they are not deleted I will file for litigation due to the stress you caused me. My information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person or put on the dark web.
Product: Money transfer, virtual currency, or money service

I have been a Coinbase customer since XXXX. Since that time, I have had no issues with my account. On XX/XX/XXXX, Coinbase locked me out of my account for no reason, and did not send me an email to tell me that it was doing so. On XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, of XXXX I called Coinbase and they informed me that I would need to complete identity verification by sending in a photo of myself which included a picture of my ID and a note stating " FOR COINBASE AUTHORIZATION. '' I did what was requested and then I got no response. I called Coinbase again, and they put me on hold 4 times, and told me to expect a follow up email. An email had not been received after 24 hours. I called Coinbase again, again was told to wait for an email from the escalation team. At this point I have done what has been requested of me to do. I want Coinbase to restore my account. It should not be this difficult or time consuming to get identify verification completed. As well, I use my Coinbase for regular purchases and it is my primary means of payment, without it, I am without my capability to pay for things I normally purchase. Coinbase has shown no sense of urgency to restore my account so that I may continue doing my business as normal. They have denied me to delete my banking account information or have access to my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is documentation for review. I am a victim of identity theft. The following accounts, collection account and credit inquiries are fraudulent, unauthorized and arent mine : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Card, XXXX XXXX, XXXX XXXX  XXXX. I filed a police report with the XXXX County Sheriffs Office for the fraudulent accounts and credit inquiries listed on my XXXX, Experian and XXXX XXXX credit report. The police report case number is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. First discovered credit inquiry by Capital One Bank on XXXX XXXX. Initiated a dispute. Called and communicated with Capital One. Capital one representative stated the inquiry will be deleted in 90 days.. The inquiry that I have no knowledge about is still on my XXXX credit report.
Product: Credit reporting or other personal consumer reports

This is not mine. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified transunion on XXXX XXXX that these 2 accounts are being disputed because they are reporting inaccurate and incomplete in formation, there is missing dates? missing right status? balance is excluding disputed charges under Fair Credit billing Act ( FCBA ) particularly this account ( XXXX XXXX account # XXXX ) this is harming me in an unfair way? the other account ( XXXX XXXX XXXX # XXXX ) is reporting incomplete information about me as far as the payment history is concerned. Reporting inaccurate information on my consumer report is adversely affection my credit rating. 

Title 15 of United states code say that under section 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account XXXX XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, TXXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # 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 an account without written instructions.
Product: Checking or savings account

On XX/XX/year> I was depositing {$2000.00} through the ATM machine on my lunchtime when I was depositing the money the machine did reject the money and I was only able to take XXXX dollar bills, which it was XXXX {$20.00} bills and I seen that the rest of the money was stuck and when I try to take the rest of the money it closed automatically I was able to deposit the other {$40.00} through the machine, and I noticed it was stuck on the ATM I wasnt able to take out the money it had closed automatically. I called Chase right away and explain the situation gave the information that they needed of the receipt that I had God of the ATM that there was an error with the deposit. I called Chase several times in regards of the update. It took four days for them to reimburse the money into my account and then within a a month, Chase decided to negative my account. I called right away and its still explained the situation every single day. Ive been calling Chase in regards of an update. I deposited this kind of money every single month today Chase, inform me that they were not able to do anything, and that the claim was closed because they werent able to find the money that was stuck on the ATM. I have never had a problem with Chase until XX/XX/XXXX. When the ATM did an error on my deposit. This is very upsetting.
Product: Mortgage

I would like to do a short sale because I can no longer maintain the high mortgage payments of the home. I feel the lender, Nationstar, is trying to foreclose without allow me to sell the property. I have lived here since 2004 and this is a very difficult decision but I want to be be able to avoid foreclosure since the original lender, XXXX Bank, had committed many acts of fraud and even foreclosed while I was making payments. They sold the loan to XXXX as they begin to rescind the foreclosure. Since then I was n't allowed to make payments for years before Nationstar finally approved me for a loan mod. The loan was part of the National Settlement and I was paid a few thousand dollars for the errors. The balance of almost {$1.00} XXXX is over $ XXXXXXXX in late charges and the loan is an interest only loan. The home is worth less than $ XXXXXXXX but my payments or more than {$4600.00} per month. XXXX can not help due to the high balance, so I just want to be able to sell it. The home is XXXX and there is a lot do dispose of with that size of a home. 

Please allow me the opportunity to sell the home as a short sale to avoid foreclosure.