23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023, I received a phone call from a Navy Federal Credit Union Representative. He stated his name and began to talk to me about me about my checking account being 51 days past due and that it is on a freeze/hold until they receive a payment. I asked him are you calling to collect a debt? He said yes but never disclosed the reason for his call. He stated that they have tried to contact me multiple times and when I asked him about the dates they tried to contact me, he only stated 2 dates ( XXXX and XXXX ). He was the 5th representative that I have spoken to about this matter. I asked XXXX did they receive my deposit voucher? He stated that he did not see it in his notes. I said I have the green slip receipt stating that your company received it on XXXX and I explained that this debt is supposed to be discharged due to the tender of payment that was refused on XXXX and I wanted to know why was my account credited {$160.00}? He said it was an courtesy credit but it does not give a specific reason why. I said it was due to the Notice of Rescission that I submitted on XXXX ( Confirmation # XXXX ) I then asked his is Navy Federal Credit Union with the Truth in Lending Act and said yes angrily and asked me did I want him to hang up on me? I stated that he called me and I wanted my questions answered and that I was recording the conversation as well. He hung up on me. As I done my research, Navy Federal representatives have called me about the same matter on XXXX at XXXX, XXXX at XXXX, XXXX at XXXX and XXXX, XXXX at XXXX and XXXX, XXXX at XXXX and XXXX at XXXX from multiple navy federal credit union numbers and no one has disclosed that they are calling to collect a debt. I have recorded most of these calls because I stated each time that I wanted my account to be in good standing due to the fact that my children 's accounts are under my account as well and they still have money in their accounts.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name XXXX US DEPT ED Account Number:5186**** Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name XXXX DEPTEDNELNET Account Number:XXXX Account Name : DEPTEDNELNET Account Number:XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Money transfer, virtual currency, or money service

On XX/XX/2022 we were trying to sell our XXXX XXXX on the XXXX XXXX and we were asked by an individual whose profile name was XXXX XXXX. He wanted to purchase from us using XXXX. He got our XXXX information which is through US bank, and sent us a confirmation that he sent us our {$600.00} for our XXXX XXXX. We then received an email from XXXX that this supposed XXXX used to make it look like we needed to send him {$400.00} to upgrade to a business account so we could get out {$600.00}. The email came from XXXX or so we thought. The only reason we sent {$400.00} was because the email looked legit from XXXX who we use with out US Bank account. US bank didnt even contact to discuss what happened or look at the emails and proof we have. Had we known the XXXX emails were fake we wouldnt have sent {$400.00}. We have the messaged chat and emails for proof. We just want our {$400.00} back. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have a small mortgage with Mr. Cooper in the amount of {$280000.00}. The property is worth well over {$1.00} XXXX. We were escrowing for taxes and insurance. In XXXX the escrow account was short {$160.00} I immediately contacted the company since I had been sending excess funds towards principal reductions on a monthly basis for over a year and a half. I asked the company to reverse one of those excess payments and apply it to the shortfall to clear the record and avoid a late payment being reported to the credit agencies. The company was able to make all sorts of adjustments to my account going back several months to correct their record and mistakes, however, they were unwilling to make this adjustment to clear the payment and avoid reporting it 30 days past due for the {$160.00}. I have made many calls, sent emails, and even reached out to the CEO without resolution. I wish to formerly file a complaint towards Mr. Cooper and their treatment of clients and unwillingness to correct a mistake that negatively impacts my credit history. 

On XX/XX/XXXX I contacted the company and spoke to XXXX XXXX and asked that they reverse unapplied funds and make the account whole and take care of the {$160.00} escrow shortfall. XXXX XXXX responded and said he would check the account on XXXX and make the necessary adjustments to apply the funds, rebalance the escrow account and adjust the payment amount. Over the following days, I checked the account repeatedly to see if these adjustments had been made. Many adjustments were made, except the one to clear the {$160.00} shortfall. On XXXX I contacted XXXX XXXX XXXX again and made him aware that all of the adjustments had been made except the one to clear the {$160.00} shortfall. On XX/XX/XXXX I contacted XXXX XXXX XXXX again as I did not see the adjustment on the account. He indicated that they could not do anything about it and would be reporting our mortgage as 30 days past due because of the {$160.00} shortfall. Having been a XXXX XXXX  for XXXX years, I know this was a false statement. I pleaded with him to no avail. I then went online and found the contact information for XXXX XXXX, CEO of the company and sent him an email pleading for resolution. I have yet to hear back from him.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that the same information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$26000.00}, XXXX XXXX Balance : {$270.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$250.00}
Product: Mortgage

To fill a gap in the chain of title for my property from XXXX I was given copies of original paperwork, payment information, applications and anything but what I asked for, a continuous, unbroken chain of title as proof of standing to foreclose. After numerous formal requests by QWR 's XXXX transferred servicing to Nationstar.that continued the barrage of useless paperwork. I was sent a Corporate Transfer of Trust deed that XXXX sent me that is a fraudulent, fictional, forged document that purports to fill the gap between XXXX directly to the Pooling and Servicing Agreement of XXXX for XXXX trust.There were many other transfers. I have proof that XXXX shredded the original Note that alone nullifies any authority to foreclose. The transfer occurred 6 years after the XXXX XXXX, 2004 closing 3 yrs.after XXXX closed, and 3 yrs. past the Notice of Default. 
Was the investor paid by insurance or lawsuits? Neither of us have clear title so we need to settle.
Product: Credit card

Made a cash payment, before due date, in the same manner I make them every month. I used their app, paid directly from my bank and paid the balance from previous month. 
They said they were holding my money because of unusual deposit activity. The only unusual activity is the amount I can afford to give them. 
I made the payment on XXXX XXXX XX/XX/2023I attempted to make a XXXX purchase and was denied. 
Today they denied a {$1.00} monthly fee I have with a company. 
This is a travesty- the purpose of which I am sure is to collect the measly interest on my XXXX. 
I understand its a privilege to own a card but it is so wrong.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to report a fraudulent loan that was opened in both mine and my husbands names, XXXX and XXXX XXXX, by XXXX XXXX XXXX. The loan was opened on XX/XX/year> for over XXXX, without our consent or knowledge. 

The perpetrator made payments on this loan until XX/XX/year>, at which point the payments ceased. Despite our efforts to resolve the issue, we have been unable to obtain any loan documentation to verify its legitimacy. 

On two separate occasions, my husband contacted XXXX XXXX XXXX and requested that they send us proof of the loan documents. Both times, the company assured us that the documents would be sent via certified mail within 7 to 10 business days. However, we have not received any documents on either occasion, and we remain unable to confirm the validity of this loan.

Additionally, I have reported this fraud to all three credit bureaus for a second time last week in an effort to mitigate any further impact on our credit. 

We are requesting the CFPBs assistance in investigating this matter, ensuring that XXXX XXXX XXXX provides the requested loan documentation, and that this fraudulent account is properly addressed. 

Thank you for your attention to this matter. 

Sincerely, XXXX and XXXX XXXX
Product: Mortgage

When I make my payments before the due date, the mortgage lender is rejecting the payment without even attempting to pull the money from my bank account. After the due date passes they are contacting me regarding late payment, assessing a late fee, and then accepting and processing my payment. To this point they have waived all of the late fees assessed, but I am concerned their actions may impact my credit rating or the status of my loan. They also sent back a huge portion of my escrow account, then increased my monthly payment by several hundred dollars to cover my now outstanding insurance payment.
Product: Money transfer, virtual currency, or money service

A total of {$620.00} is owed to me by Coinbase for the sale of two Litecoin crypto currency at {$310.00} each. The coins were sold to Coinbase on XX/XX/XXXX and the money was promised to be deposited to my checking account by XX/XX/XXXX. My transaction has been pending since XX/XX/XXXX Four emails have been sent. Multiple phone calls have been made by me, and I have not received a response from Coinbase. I would like the money that is owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report just because i'm planning on purchasing a home some time soon. While checking my credit report i notice some items that are not my. This is unacceptable and kinda embarrassing. I need these items removed from my credit report. I contacted the FTC and my local police. I am doing this on my own behalf. I'm working on this on my own behalf. 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. There are also some inquiries on there that I know nothing about. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have asked Equifax XXXX times to update the balance of the account. They have each time come back with an answer that the balance is verified by the creditor. Which is false. I have provided them statements and a paid in full letter and they still refuse to update it.
Product: Mortgage

I have requested the following documentations from PHH Mortgage Corporation XXXX time and as today I have not heard anything. This is regarding the denial of my loan modification. 
PHH stated that I was denied a loan modification because of the investor guidelines, XXXX XXXX enclosed. XXXX XXXX stated they are not the investor enclosed. XXXX XXXX XXXX posted a Notice of Trustee 's Sale on my front door set for XXXX/XXXX/2015. XXXX also stated they have nothing to do with my loan. All I 'm asking, is for PHH to provide me with the following information. 

Copy of the Note The Recorded Name on the Deed of Trust Any Assignment Notice of Trustee Sale for XXXX XXXX, 2015. XXXX XXXX XXXX Investor All Evidence Required to Demonstrate the Right to Foreclose The letter Fair Debt Collection Practice Act ( FDCPA ) The Wet Signature because of Robo signing Explain Securitized Loan Explain Mortgage Electronic Registration System ( MERS ) Time is of the essence, please reply promptly. 
Thank youXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion to dispute inquiries that are showing on my report. they are wrong. agent at TU told me to contact the companies. I have no idea who they are or how to contact them. I asked for supervisor. He was unhelpful as well and was lying to me. When I asked him his name and ID number to report him, he said XXXX XXXX. He is from XXXX, he is not XXXX XXXX. He is lying. I then spoke to another supervisor " XXXX XXXX ''.. CreditorInquiry Date XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Product: Mortgage

Shellpoint currently holds the mortgage lien. This was a second mortgage that was initiated in XXXX. The original mortgage holder, XXXX, accelerated the mortgage in XXXX and demanded full payment. It refused to accept past due amounts and told us that the new maturity date was no longer XXXX ( a sixteen year mortgage ) but that the maturity date was now XXXX and all amounts were due and payable. The mortgage was transferred to XXXX XXXX in XXXX. They also demanded full payment. It was transferred again to Ditech in XXXX  and full payment was again demanded. Ditech transferred to Shellpoint in early XXXX. Shellpoint did not notify us of its servicing until XX/XX/XXXX when we sought a release of the underlying lien. Shellpoint refuses to release the lien even though this is a time-barred debt under Indiana law . It is illegally blocking our intent to transfer our real estate to a buyer.

Shellpoint can not provide any payment history from previous servicers. It is also conveniently unable to provide documentation of correspondence from XXXX changing the terms of the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2022. THREE ( 3 ) INQUIRIES WHERE MADE ON MY CREDIT ( XXXX ) ON THE STATE OF FLORIDA. I DO NOT RECOGNIZE THIS INQUIRIES. I DID NOT AUTHORIZE THIS INQUIRIES. I DON'T LIVE IN THE STATE OF FLORIDA NOR HAVE TRAVEL TO FLORIDA. THE THREE ( 3 ) INQUIRIES ARE FOR AUTO LOANS. ( 1 ) XXXX XXXX XXXX XXXX ), ( 2 ) TD AUTO FINACE, ( 3 ) XXXX XXXX I CONTACTED XXXX AND A HOLD WAS PLACED ON MY INQUIRIES.
Product: Consumer Loan

I have a secured loan through One Main Financial located in XXXX, VA. I was laid off from my last employer on XXXX/XXXX/2015 with no notice. I had purchased the payment insurance on the loan in case a layoff affected my work. Along with my monthly payments, I was making payments on the insurance. After losing my job and contacting One Main Financial, I was told that I had to complete a series of forms ( one of which went to my previous employer which they did not return ). This has held up the process and One Main still expects me to make payments. This is a secured loan, they are threatening to take my vehicle which is my primary mode of transportation to work. I took the insurance originally as it sounded so simple, " you get laid off, the insurance makes your payments ''. Nothing could be further from the truth. I am now 3 months behind in payments, they are threatening to take my vehicle and the insurance still has not settled. I do not understand how they can expect me to continue to make payments when I am out of work and I did purchase the insurance to cover this type of occurrence. I have received 4 to 5 calls per day, my relatives have been called ( this is none of their concern ), and I have continued to receive threatening letters stating that my vehicle will be taken away.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated on XXXX If youre shopping for a new auto or mortgage loan or a new utility provider, the multiple inquiries are generally counted as XXXX inquiry for a given period of time. The period of time may vary depending on the credit scoring model used, but it's typically from XXXX to XXXX  days. This allows you to check different lenders and find out the best loan terms for you. 

I have reached out to XXXX, Experian, and XXXX to have this ran as XXXX inquiry being that is was in the XXXX day time frame. 

On my XXXX report it only shows XXXX inquiry because it was done within the timeframe.
Product: Credit reporting or other personal consumer reports

It has come to my attention that i was a victim of the equifax breach and persuant to 15 USC 1681c-2 ( a ) the XXXX XXXX account should be removed as it was made without my explicit permission or knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act these companies ; XXXX XXXX XXXX, XXXX XXXX # XXXX and XXXX # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I incurred a {$200.00} medical expense at XXXX  XXXX XXXX ( XXXX ) ( owned by XXXX XXXX ) in XX/XX/XXXX. I never received an actual bill from them ( which is a separate issue ), but I began received calls from XXXX XXXX XXXX XXXX ( XXXX ) about a year later, XX/XX/XXXX. I paid the debt in full to XXXX. I did not receive a receipt directly from XXXX, but the payment is shown on my VHC/Alteon records XXXX The balance now shows as {$0.00}. 

In XX/XX/XXXX, I began received letters from an entity calling themselves " The Law Offices of Mitchell D. Bluhm and Associated '' ( MBA ) stating that I still owed {$200.00} for the same date of service ( XX/XX/XXXX ), which I had already paid to XXXX. I contacted XXXX in XX/XX/XXXX contesting the debt, providing a copy of my {$0.00} balance with XXXX  showing the XX/XX/XXXX {$200.00} payment to XXXX. In early XXXX, I received a response saying that they did not accept my proof and would not clear the debt. 

I have also tried contacting XXXX to obtain a receipt for my XX/XX/XXXX payment, but all numbers I have found do not work. I also tried their posted email in XX/XX/XXXX and have not received a response as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

. 
Dear Customer Advocate Services Team, I received your recent letter, Ive calling this number for the past of one month XXXX and my problem have never been resolved. I want to emphasize the seriousness of the situation. I received the XXXX XXXX XXXX XXXX ending in XXXX, but I have never used it. Someone is using this card for purchases without my knowledge or consent, and I have no access to the card details or an online account to check transactions. 

I have been made aware that this unauthorized activity is negatively impacting my credit report. This is unacceptable, and I demand immediate action to rectify the situation : Deactivate the Card : Block all transactions on the card ending in XXXX immediately to prevent further unauthorized charges. 
Conduct a Fraud Investigation : I expect a thorough and swift investigation into the unauthorized activity on this card, as I have no information about the transactions. 
Resolve Credit Report Issues : Work with the credit bureaus ( XXXX, Equifax, and XXXX ) to promptly remove any inaccurate information related to this account. 
I am deeply disappointed with the handling of this matter so far, and I insist on a swift resolution. Please take these actions urgently to protect my financial well-being.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 Transer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.