23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Someone hacked into the XXXX account of a friend of mine, XXXX XXXX, posing as her, she asked me to transfer {$740.00} to another person, because her XXXX was limited. The alleged person had the supposed name of XXXX XXXX and requested money to send to her email address : XXXX. I sent the {$740.00} to this email, the withdrawal was done from my XXXX account of XXXX XXXX  # XXXX on XX/XX/23. We reported the scam to XXXX XXXX, they told me, the money went to Bank of American account. XXXXXXXX XXXX requested the return of the money. At this time. Bank of America has not answered. The only institution who has all the real information the scammer is Bank of America. 
Reported to XXXX XXXX : XX/XX/23 Ph. XXXX to XXXX and XXXX XXXX XXXX.
Product: Debt collection

I have advised XXXX that this is not my debt and that someone took utilities out in my name, I was not living in the state at the time.
Product: Debt collection

I am submitting this complaint because I am being extremely affected by PORTFOLIO RECOVERY ASSOCIATES, LLC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

First of all, this account that was originally from XXXX XXXX had already been fixed. I have a copy of the settlement agreement in which they agreed to remove the two accounts that they were reporting. 

I am requesting just what is fair. I want you to remove this account from all credit reports. 

Account information : PORTFOLIO RECOVERY ASSOCIATES, LLC. 
Account Number : XXXX. 
Balance {$2600.00}. 
Status : Collection account. 
Original Creditor : XXXX XXXX XXXX  XXXX XXXX. 

The reporting of this account is illegal, since I already signed a legal settlement with the original creditor for the deletion of the item from all credit bureaus. Please remove the account as soon as possible as I am in the middle of a home loan and this item is stopping me from accomplishing this goal. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed Inquires on my report that were not authorized. I was told by a rep they would be removed and were disputed instead of removal. They came back as factual. I was told to call the credit companies which I did and was directed back to Equifax. I was also told since it was fraud to make a police report. Which I also did. They still will not remove this. 
XXXX XXXX  XX/XX/18, XX/XX/18 XXXX- XX/XX/18 XXXX XXXX XX/XX/18 & XX/XX/18 XXXX XX/XX/18 XXXX XXXX  XX/XX/18
Product: Credit card

I'm tired of explaining look at the previous case number and here is the recording as well of them in a lie so don't lie and help open my account back up or let me actually reapply on my regular XXXX XXXX  or let me get added to my dads XXXX XXXX instead so I can still use it as a co owner XXXX
Product: Credit reporting or other personal consumer reports

There is a XXXX XXXX credit card showing on my credit report which I never opened since XXXX. 

I am not liable for this account and want is removed expeditiously.
Product: Checking or savings account

So it started on XX/XX/XXXX I deposited a check for my uncle of {$1900.00} on my account and Chase restricted my account, then I tried getting this resolved they told me that my uncle needed to get verify by his phone number so they can release the funds since chase is holding to them. I provided them his phone number and then they say that there system doesnt show his information on that number so I provided them with XXXX other numbers he has and the same response that there system doesnt show his information so I asked the representative on the phone is there another way to get this resolved by like going to the bank and speaking to a bank rep with my uncle and they stated no thats not possible the only way Is to get him verified on the phone. I also told the customer service rep that this wasnt the first check I deposited for my uncle there was another check I deposit for him on XX/XX/XXXX of {$400.00} and I had no problem with that XXXX and now they also are holding the {$1900.00} and adding a {$400.00} so in total chase is holding from my account {$2300.00} Ive been trying almost every day calling Chase representatives and they tell me they still cant get him verified & I also spoke to a chase supervisor representative because they where closing my account he was able to have my account still active but wasnt able to resolve my problem to get the funds available to my account, I also tried going to the bank with the maker of the check and my uncle and they still declined to have the check available to my account. Its been a whole month and i continue to call Chase customer service but nothing is getting resolved.
Product: Money transfer, virtual currency, or money service

Hello, Since few days my My account coinbase is retricted, I try to ckeck control Identity but Don't work and Coinbase don't respond to my case, so I can do nothing with my account ; I don't unstand why? eveything work fine before. 
this one of my case number open to COINBASE : XXXX. 
can you help me to fixe my issue please. 
thak you best regard.
Product: Mortgage

Approximately 10 years ago, I obtained a mortgage with XXXX, XXXX XXXX XXXX. Every month since the commencement of this loan, I have paid the hazard insurance premium on the property on my own, rather than having it escrowed. My insurance payment is currently {$420.00} on an annual basis and paid by me directly as part of a package of properties I own to the insurance agency, XXXX XXXX XXXX XXXX ( email from XXXX XXXX of XXXX attached p 16 of 16 ). 

Since this loan 's inception, my monthly mortgage payment that includes the amounts of principal, interest and real estate taxes has ranged from about {$680.00} to {$690.00} per month, depending on fluctuations in the real estate tax assessment. In XX/XX/2017, after an escrow analysis, the successor company to XXXX XXXX XXXX, now Mr. Cooper ( also known as XXXX XXXX XXXX ) increased my monthly payment amount from {$680.00} in XX/XX/2017 to {$2500.00} for XX/XX/2017 ( see Mr. Cooper Posted Payments document ), and demanded me to esrcow my hazard insurance, despite the fact that I had already paid the annual premium for 2017, and had been paying directly the annual premiums for over 10 years. 

In addition, Mr. Cooper incorrectly increased my hazard escrow to {$9500.00} annually. While my total bill to the insurance agent, XXXX XXXX might be {$9500.00} annually, such amount includes properties in addition to the one subject to the mortgage with Mr. Cooper. Lastly, during a phone call with an agent of Mr. Cooper, I was requested to pay {$6800.00} towards the insurance escrow, and sent in a check for that amount, but I can not see from the records or information that Mr. Cooper provides where that {$6800.00} was applied. ( My check # XXXX attached p 15 ).
Product: Student loan

XXXX XXXX, XXXX Issue : Mother needs to be released as Co-Signer on Daughter 's Student Loan Accounts There are XXXX student loan accounts for me, where my mother is listed as a co-signer on. The agencies that serviced these accounts are Wells Fargo, XXXX XXXX XXXX, and XXXX. They have just written off my student loan accounts this year. Wells Fargo offered me a pay off my student loan since it dated back to XX/XX/XXXX. I was n't aware they reported it as a write-off on my mother 's credit reports. 

I have been struggling paying my student loan accounts and have been on my own since XX/XX/XXXX. It has n't been easy with taking advantage of the use of forbearances and in/out of jobs over the years, doubling up on my payments, but I have managed/struggled to pay them myself. My mother has always taught me to be responsible for paying my own loans/debts, how to manage my mother ( as little as it is ), as well as being mindful of my credit and the consequences. 

What I did n't know was that when my mother recently tried to apply for a Wells Fargo checking account, so that she can later purchase a home, and she was denied because of my student loan accounts, which were paid and written off. Her credit has suffered for over fifteen years now from being a co-signer, and I 'm just wondering how long a co-signer has to endure their credit being messed up because of my credit situation. She has long paid her dues and this is just pure torture from XXXX, XXXX XXXX XXXX, and Wells Fargo. My mom 's own credit is great and yet my old student loan debt has made it hard for her to acquire her own good credit history. 

This is totally unfair to my mother whose credit has suffered from my pas inability to pay my own student debts and become more financial responsible. She ca n't apply for a home loan because of this situation and it is totally unfair. Is there not a statute of limitation for co-signers? This has gone on way too long. 

I have myself through numerous disputes dating back several years, tried to get this issue resolved with the credit bureaus, who only take the word of the creditors. Wells Fargo, XXXX, and XXXX will have nothing to do with these accounts since they wrote them off, but they are more than happy to report negativity on them. 

I truly hope you can rectify this situation, not so much for myself, which I continue to struggle with debt, but thanks to my mother, will never give up on balancing life and debt, but for my mother, whose credit history has been suffering long enough for my issues. I am working hard to build my credit back up, and my mother 's has suffered and been damaged as a co-signer of my student loans. Please help by having my student loan derogatoriness/damaging information be removed from my mother 's credit report as a co-signer. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I spoke with FCO Fair collections and Outsourcing XXXX XXXX XXXX, XXXX, MD XXXX and agreed to settle a debt for {$170.00} in three payments, the first of which was {$50.00} and was paid immediately. THIS COMPANY ASSURED ME THAT BECAUSE I SETTLED THE DEBT THAT THIS WOULD NOT BE REPORTED TO THE CREDIT BUREAUS. 

On XX/XX/XXXX, to my SHOCK this debt was reported to ALL THREE CREDIT BUREAUS. I called the company, and they DENIED that they had reported this debt, and told me to PROVE IT. I subsequently sent them an email with the PROOF which they have IGNORED TO DATE. 

This is illlegal and unethical, and I want this removed IMMEDIATELY from my credit report or I will seek legal recourse.
Product: Mortgage

XXXX XXXX of Bayview Loan Servicing , LLC, Customer Support called XXXX XXXX, ( mortgagor ), on XX/XX/XXXX @ about XXXX EST. XXXX XXXX 's call was in response to previous messages left by XXXX XXXX, inquiring as to why the XX/XX/XXXX & XX/XX/XXXX payments had not been posted. XXXX XXXX specifically told XXXX XXXX that her payments were being returned to her, as the home is going into foreclosure, as a result of a past due balance that Bayview Loan Servicing has NOT and can not verify the debt as being past due and owed. XXXX XXXX further stated that there are NO PAYMENTS on the account for the year XX/XX/XXXX-XX/XX/XXXX, which is totally false as XXXX XXXX have processed checks showing that each check was infact received and deposted by Bayview Loan Servicing , LLC & posted to the Loan Account number. However Bayview Loan Servicing has obviously misapplied these payments. On behalf of XXXX XXXX, I have previously sent RESPA letters requesting validation of this mysterious outstanding balance that Bayview Loan Servicing , LLC claim that is owed. To this date, Bayview Loan Servicing , LLC has NOT. To add insult to injury, XXXX XXXX further attempted to get XXXX XXXX to consider an UNNECESSARY Loan Modification for this unverified mysterious past due balance. As I was listening to the conversation via speaker phone, I asked XXXX XXXX/my mother to have XXXX XXXX Call my phone, as by Powers of Attorney I am authorized by XXXX XXXX and the POA has been received and acknowledged by Bayview Loan Servicing , LLC . Upon XXXX XXXX calling my phone, I immediately began a legal phone recording. XXXX XXXX immediately terminated the call. 
On or about XX/XX/XXXX, did in fact receive back ONLY XXXX of the checks. With a letter explaining that the XX/XX/XXXX payment was inadvertently dated XX/XX/XXXX by XXXX XXXX and there fore could not be deposited for the stale dating. XXXX XXXX then processed the payment for XX/XX/XXXX via phone with a customer service representative of Bayview Loan Servicing , LLC . 

XXXX XXXX maliciously and willfully misrepresented that the home was going into foreclosure, in an attempt to intimidate XXXX XXXX into agreeing to this unverified past due balance, and offered her two options. Pay the amount or Agree to a Loan Modification to include this mysterious past due balance. XXXX XXXX has intentionally and willfully violated the FDCPA, and other state federal consumer protection laws as well as banking laws. 

Bayview has in fact sent out a few Notices of Intent to Accelerate that are defective in that they all include a Past Due amount that is not past due at all.
Product: Credit reporting

I really need your help with the credit score because, as a result of the short sale, my credit score was reduced and I, being self-employed, am unable to obtain contracts to support my business. 
I went through a hardship, XXXX medical issues and XXXX % decrease of income within the last 5 years. I was advised by XXXX XXXX, XXXX XXXX, Client Relationship Manager, and XXXX XXXX, Assets Disposition Department NOT to make our mortgage payment in order to qualify for any retention or liquidation options. 
I was originally placed on a forbearance plan that I was still unable to afford. Essentially, the forbearance plan ( type of retention option ), was designed to lower the mortgage payment ; however, in reality the forbearance only increased the loan amount owed - accrued late payments, principal and interest added to the back end of my loan. The forbearance, in itself, made my property underwater ; therefore owing more than the market value. 
Since the forbearance was no longer an option ( again referencing my medical hardship ), I was forced to short sale my property and move where I am now renting a home that is XXXX % less square footage This is a Securitized, Stated Income ( no doc ) loan. XXXX, the originator of the loan, sold the Servicing rights to XXXX XXXX when I became delinquent on my mortgage payments. The XXXX Loan Officer also told me I would need to be delinquent on my mortgage payments to qualify for any assistance due to my hardship. 
I believe there were numerous compliance irregularities during the origination of my loan due to the lowered underwriting standards. 
Additionally, the property was originally appraised at XXXX. Due to the recession, the value was decreased to {$620000.00}. 
I caused none of this. I was advised to be late on my mortgage payments ; I was caught in the middle of a recession and also diagnosed with XXXX XXXX all in a condensed period of time.
Product: Debt collection

I have received notice from XXXX XXXX that experience has gotten thes collection notices but I have never received them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I noticed over the last 6 months that the interest earned on my Ally Bank savings account fluctuates up and down each month. This account is my emergency savings account and I have never needed to withdraw money from it. The balance only increases each month due to an automatic contribution/deposit and the earned interest. So I was surprised that the interest earned sometimes went down from the previous month. When I looked at my other savings accounts that I never withdraw money from that are with other banks/credit union , I noticed the interest earned per month only increased each month and never decreased. So I questioned Ally Bank about this and all they did was provide the interest calculation formula and tell me my interest values are correct. Intuitively it doesnt make sense interest would decrease some months even when factoring in the shorter months due to my balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to state to regulatory agencies that my credit file is accessible and has minimized the countless hours, weeks and months I have taken to not only access my report online but remove fraud alerta, locks and freezes. They make a poor attempt of stating how seamless it was to remove such locks freezes and alerts when In fact I've spent over 300 hours on the phone with Transunion between phone calls, mailing, emailing and faxing communications to the company. They should be paying me over XXXX XXXX dollars in compensation for the issues. On top of this THEY STATE MY ONLINE ISSUE IS FIXED. THEY ADMITTED THERE WERE ERRORS. NOTHING HAS BEEN FIXED. 

Social security : XXXX
Product: Credit card or prepaid card

Hello, happy Sunday. To my dismay, I woke up this morning, checked my chase app, and found that not only have they not transferred the money I requested, they have now locked my account, too.
Product: Credit reporting or other personal consumer reports

I have been having issue with XXXX they are refusing to acknowledge. I had a delinquent account XXXX XXXX years ago that I paid off. I have a good history with XXXX now. I don't have any accounts over 60 days past due. I keep getting declined by XXXX  partnered by XXXX and it states I have an account more than 60 days past due which is incorrect and I have records. When asking for a resolution, I keep getting a runaround.
Product: Mortgage

i having been trying and asking SPS for a loan modification or short sale for sometime in order to avoid a foreclosure on my record, but they have refuse to allow me to do XXXX or the other the property is listed for sale and my realtor is trying to sale the home but unless the lender allows the loss mitigation the property will not sale because the balance to pay off the loan far exceeds the value of the home and SPS is fully aware of this fact, they just want to foreclose on the house, in accordance with the CA homerowners bill of rights i should be able to get some type of assistance in order to avoid foreclosure.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported a debt of XXXX to the 3 credit bureaus and this is from XX/XX/XXXX XXXX XXXX. I have tried calling them. No success. This is my daughter account who live in XXXX. I have no problem paying g XXXX it was reported under the wrong ss # and need to be removed. All 3 credit bureaus have my XXXX ID and address. From XX/XX/XXXX to present. Please remove.
Product: Credit card

capital one credit card is garbage, countless flagrant complaints, how or why there in business is also suspect. I have there generic credit card thru walmart, measly {$300.00} credit limit, the 1st malignant problem, they purposely block me from paying off the balance, 2nd, today there idiotic robot purposely blocks you and refuses to recognize you on every number I called today? This is intentional, even there mismanaged headquarters in virginia? WHY is that?! # Another sloppy run bank run by XXXX  and activists, like in XXXXXXXX XXXX XXXX  # Nobody accountable to talk to, hiding from there customers, this opprobrious malignant behavior is normal to them apparently, obviously dont give a XXXX about there customers
Product: Debt collection

XXXX XXXX just reported a {$760.00} collection account on my credit report. I have no idea what this is. According to the Fair Debt Collection Practices Act, they are required to provide me with a 30-day notice to dispute the debt, but I never received such a notice. They just reported it, without even contacting me. This is a violation of federal collection law.