23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This company is filing fraudulent mortgage assignments with my Recorder of Deeds Office in attempts to steal my home. They are not a party to my real property and it has not been legally assigned to them.
Product: Mortgage

Around XX/XX/XXXX, we applied for a forbearance due to covid 19.  My husband was fuloughed for a while. We were approved and received an email on XX/XX/XXXX. I had spoken to a few reps between then and now to ask what kind of repayment were we looking at. I was told FHA allows you to defer your payments to the end of the loan. Keep in mind I tried on several occasions to get in touch with someone with no luck. I even sent an email in XXXX trying to reach someone but I was never contacted to my knowledge. We received a letter in XXXX stating how far we were behind. So I called again to try a resolve. I was finally able to speak to someone. She advised me that we were late a pymt in for XXXX which I have denied. New rez bought our mortgage from another company and we were in the process of updating our payments to the new mortgagee. Since she said were we late, we were not eligible to defer our pymts to the back end of the loan per FHA guidelines. I asked her to escalate the call. She said she would have someone call me back. That was over a week ago. We receive another letter today stating we are 5 pymts behind and call them to avoid foreclosure. We want to start making payments again but do not feel like we were given all the info regarding the forbearance and do not feel like the we should have to do a modification loan now. Thank you for reviewing my complaint
Product: Mortgage

My mortgage is serviced by Fay Servicing. I do not have an escrow account with them ( I pay property taxes and homeowners insurance on my own ). I discovered in XX/XX/year> in my online account with Fay that they were charging me for homeowners insurance. They added an " escrow advancement '' to my account. I called Fay Servicing to see what that was. They advised me that they were charging me for homeowners insurance, but said I could mail in proof of my insurance. I did what they said and mailed in my proof of insurance ( coverage is XXXX XXXX XXXX with XXXX XXXX ). On XX/XX/year> I received notification in my online Fay Servicing account that they received my proof of insurance, canceled their " escrow advancement '' and issued a full refund of the same. I was able to make my XXXX mortgage payment as usual, with no additional charges. Fast forward to XXXX, I call in to make my mortgage payment and they are telling me that I owe {$200.00} more than my normal mortgage payment. They explained that it is for the homeowners insurance through Fay Servicing. Fay Servicing will not let me make my normal mortgage payment. They want me to pay the extra money, which I believe is illegal. The customer service representatives have said that Fay Servicing is completing an escrow analysis- they have been telling me that for a week. I asked to speak to a manager or supervisor and the Fay Servicing CSR told me no one is available, and that I just have to make my payment with the illegal overcharge.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my husband 's direct deposit ( we have a joint account ) from his employer and any other of our incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

According to PNC bank I am in depth {$150.00} that isnt suppose to be there. I didnt receive a mail in the mailbox until a year later, which is now a couple of months ago, that stated that I am in dept. They said that my account was closed and I owed money but I never received a mail in the mailbox to get a chance to dispute it within the 30 days ; even if they did claim to send one out. Also, there had been transactions on my account that I didnt make that I had to get disputed and I closed my account out around that time as well. I tried working my way up the chain to get some type of assistance and they just told me that there was nothing they could do about it even though the dept isnt suppose to be there and even though I never received a mail in the mailbox. Please help!
Product: Credit reporting or other personal consumer reports

I am reporting Experian due to lack of safety of personal information. I just recently put a fraud alert that Experian did not whole up its bargain with keeping my information from being used without my knowledge or consent. as shown on my credit profile there has been someone trying to access credit using my personal information and I did authorize any of these inquiries and I am requesting them to be removed 28inquiries These lenders have accessed your credit file : 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with LVNV FUNDING LLC, XXXX/XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LVNV FUNDING LLC, XXXX/XXXX, and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Vehicle loan or lease

XX/XX/ RE : CFPB Response Account # XXXX Dear Westlake Portfolio Management, I am reaching out to revisit the dispute I filed on XX/XX/, regarding the inaccurate reporting and validation of information by Westlake Portfolio on my credit report. In accordance with FCRA Section 609, I am exercising my right to request details about any item listed on my consumer credit report.

As specified in Section 609, I am seeking verification and validation of all data associated with this account, including notations, dates, and balances, whether reported or not. 
Additionally, I am requesting access to the original credit application, documentation related to the vehicle in question, and the signed contract containing my signature from Westlake Portfolio Management. 
I request a reinvestigation of this disputed information, and I urge the removal of this account from my credit report with all three bureaus at the earliest. The relevant details for your reference are as follows : 1. Account Information : - Creditor : Westlake Portfolio Management - Account Number : XXXX - Date of Repossession : XX/XX/ - Current Status : The account is inaccurately reported with a negative history and active payments. 
I ask that you initiate a prompt investigation into this matter and ensure that Westlake Portfolio Management rectifies this account on my credit report as per FCRA guidelines. 
Additionally, I request regular updates on the progress and resolution of this investigation. 
For any further information or documentation needed to facilitate your investigation, please feel free to contact me at XXXX or via email at XXXX. 
I appreciate your attention to this matter and your commitment to adhering to the fair credit reporting standards established by the FCRA. I anticipate a swift resolution of this issue and the restoration of accurate reporting on my credit profile. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Please refer to Consumer Complaint No. XXXX, in which Square admits guilt and fault for not refunding me the monies owed. With that complaint, Square elected only to refund the {$370.00} and not the additional {$710.00} still owed. I do not know if this is being done maliciously by Square or if the individual handling the previous claim elected to just go the easy route.
Product: Credit reporting or other personal consumer reports

I have disputed these items and want them removed after no evidence present of investigation.
Product: Money transfer, virtual currency, or money service

File a Complaint Feedback from consumers is vital to XXXX. We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution. 
Your complaint details : First Name : XXXX Last Name : XXXX XXXX : XXXX Phone : XXXX XXXX Address : XXXX XXXX XXXX XXXX : OH City : XXXX Zip : XXXX Country : XXXX Description of Complaint : Coinbase demonstrates the like and similar pattern and practice of illicit and/or dilatory behavior described by many other Complainants. Following is a fragment of evidence found in the complete record : Sun, XX/XX/XXXX at XXXX XXXX XXXX there, Thanks for contacting us. We see that youre having difficulty accessing your account and we're ready to help. 
After our further investigation, it shows that your account has been taken over by the attacker and they were able to change the email address on your account. Our records indicate your account was accessed on XXXX, XXXX XXXX  from an unknown IP address and device. This IP is authenticated with your password, your 2FA security codes and the device confirmed via hyperlink sent to your email. This means the attacker had access to your password, 2FA security codes and email to conduct this activity. 
Using these compromised credentials, they were able to initiate the following buy : XXXX, XXXX XXXX XXXX Wallet XXXX XXXX {$37.00} Please follow these steps : 1. Create a new Coinbase account using a different email address at https : //www.coinbase.com/signup 2. Add and verify a phone number. For security purposes, do not add and verify a VOIP number. 
3. Complete the ID upload and live photo ( selfie ) when prompted at : https : //www.coinbase.com/verify-document? 
Coinbase, Inc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX If you have any questions or concerns, please contact the XXXX  assigned to your complaint : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Email this XXXX  ( XXXX ) XXXX facematch=true. These steps will help us verify your ownership of the previous account. Please inform us when you've finished these steps. After we complete a review of the information, we can transfer the balance from the inaccessible account to your new one. 

DONE and Coinbase still fails to lawfully transfer assets they do not own with endless BS. 
I DEMAND Coinbase immediately pay out my approximately XXXX XXXX, .1 ETH, 1 LTC, and all other assets held immediately to my new account which has been verified and the same you have been found to snoop on, or my prior known Bank Account ending in XXXX, or my address of record prior to this suspicious alleged " hack '' from an " unknown IP '' with an unlawful bypass of the established 2FA regulation which is under investigation. 

Desired Settlement : Refund plus punitive damages and referral to criminal
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. 

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 XXXXhas 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.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: Student loan

I am so amazed at how CFI allowed my credit to take a hit when they now we are impacted by COVID. I have never had a late marker on my student loans and now after building my credit up for all of this time these XXXX  loans have killed my credit. They reported 14 different loans each time but I only make one payment and that is not fair at all. I am impacted by COVID I had a XXXX XXXX XXXX this year why in the world would you people kick someone who is down. Look at my history I never had this happen I am always communicating with you all. This is not right man why now? Yoyo all have to know we are struggling. You cant even treat us like humans. Thats insane to me. They didnt call me or anything just dinged my credit after 60 days I thought we were protected but CFI is one of the only ones who likes to harm their consumers while they know the world is hurting man this really crushes me. Image worked so hard to maintain my bills how could you all do this to me. I never allow this to happen if I had known.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away. 
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: Credit reporting or other personal consumer reports

This account was open more that 7 years ago and needs to be deleted off reporXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX told me to reach out to the credit agency for deletion
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt/collection appeared on my credit, it does not belong to me. This is put falsely on my credit report. It states it was opened in XXXX of 2017. I have zero documentation reflecting this account nor was this account authorized on my behalf. This account has appeared on my credit report and is reflecting negatively in collection under an individual type and again does not belong to me. It is my right to get incorrect and false information to be Removed. I have received zero documentation regarding the matter.
Product: Student loan

On XX/XX/2019 I enrolled at digitalcraft bootcamp, skills fund advertised student loans. I was under the impression i applied for the XXXX XXXX XXXX student loan. According to credit agreement, the funds will not be disbursed unless the school is in compliance with its funding obligation. The school certification would determine if I am eligible for the loan and for how much. Skills fund recently stated they only do unsecured consumer debt loans, not student loans for bootcamps, and I do not generate 1098 forms. Myself I did not receive a student loan despite being approved by digitalcraft and promoted by skills fund. On my aspire account within my forbearance letter my loan is referred to as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and/or private student loan ( s ). When I called Aspire customer service they stated it is not a student loan and this is a consumer loan despite it showing as an education loan on my credit report and no 1098 forms are listed in the tax information section.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a complaint to Transunion and XXXX credit reporting companies well over a month ago with a copy of my Identity theft police report, FCRA 605 B, my ID NYS Drivers Lic. utility bill, and a narrative of what was fraudulent on my report circled and spelled out what had happened and I want the items blocked from my report immediately, and that was well more then a month ago, as I sent them certified and they were returned to me XX/XX/XXXX and it is XX/XX/XXXX and just got a letter from transunion XX/XX/XXXX that they need my id as they cant find my file, that is a lie they are stalling to correct my file and I want my file corrected now as I was a victim of id theft. I sent them all necessary paperwork and they are not following the regulations set forth by FCRA 605B that they are to block all info within 4 days or receiving dispute and they have dispute well over a month. I demand that my file is corrected immediately as Transunion and XXXX was directed and FCRA 605 B states within 4 days ....
Product: Credit reporting, credit repair services, or other personal consumer reports

A scam of a Fraud agency by the name of Receivable Performance has been posted their frivolous information on my Equifax and XXXX  credit bureaus, I have sent prior complaints to Equifax and XXXX, I haven't got any positive response. 

I never had any contracts made with this XXXX XXXX   scam, nor I ever had any signed deals to pay any amounts of monies what so ever to them, this Fraudulent agency has not been able to validate it's information, they were not able to provide an invoice from their claimants, nor were they able to provide correct dates of information, It's a Fraudulent scam agency that steals people 's information or buy information on XXXX sheets, I want the credit Bureaus, XXXX XXXX and Equifax to immediately remove this false Fraudulent scam information from my credit report ASAP before I slam both bureaus with a Federal Lawsuit and huge Punitive charges and damages to my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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 15 USC 1681.

Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of aggravated identity theft. I ask that you re-investigate this matter and I demand to see proof with my signature on it that you have on file for the account listed. also note that the account XXXX XXXX XXXX XXXX XXXX XXXX is reporting as a charged off. {$11000.00} written off. {$14000.00} past due as of XX/XX/2023. According to the FCRA, section 609 ( a ) ( 1 ) ( A ) you are required by the federal law to verify through physical verification of the original signed contract. Also, note that if the company has filed a 1099c and is continuing any kind of collection activity as defined under 31 U.S. CODE 3711 ( e ) should be reported by the IRS for fraudulent financial gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

This all started when i got a loan from the bank for finance my vehicle in XXXX of 2021. Little to my knowledge, they listed my loan under someone elses social so i could not register for online management. In XXXX of 2021 they said that they had separated the accounts and walked me through how to set up the online management. This was on XX/XX/2021. On XX/XX/2021 my credit report updated and i got an alert on XX/XX/2021. The alert was telling me that my credit score had dropped. I logged in and saw i lost 88 points. I called the XXXX and asked what was going on. They were looking and said that a BOA credit card account had been added to my closed account section. Why was this on my account? Ultimately what BOA did was now move the other persons negative account to my positive account causing the point drop on my credit and a denial for a refi.