23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I called Carrington Mortgage for assistance with my Mortgage, and that I couldn't pay for the month of XXXX due to unemployment the XXXX  suggested the FHA unemployment program and transferred me to the team. I submitted my request over the phone with the XXXX agent in Collections, she informed me that someone would call me within 5-7 business days to collected information. No one ever called. I called in the middle of XXXX and was informed that I was approved for 3 months and all payments were due XX/XX/year>. I was further told that this was for XXXX, XXXX and XXXX. I specifically asked did this include XXXX and during this time it would not affect my credit. The rep I spoke with XXXX from loss mitigation informed me that it was not going to effect my credit. 

XX/XX/year> i received a notice of a late payment from Carrington Mortgage, I call them and was informed that during the process it doesn't effect my credit, but XXXX wasn't included. I feel that the XXXX Supervisor XXXX from TX lied to me, he said he listen to the entire call and this wasn't stated to me. Which I do not believe him, XXXX was clear when he told me this wouldn't effect my credit, he further stated that he was going to have a meeting to inform all XXXX that while in these programs that credit is not effected
Product: Debt collection

XX/XX/2022 This company called before XXXX XXXX. This is not the first time this has happened. I am committed to reporting unfair collection practices.
Product: Credit reporting

hello my name is XXXX XXXX. i have recently came across an issue with my credit report. two years ago i was receiving help from XXXX of XXXX county and they provided assistance with repair my credit due to many errors on my credit report. all XXXX bureaus ; equifax, XXXX, and XXXX had false information. well i made a dispute with all XXXX bureaus and the only bureau that corrected my information was XXXX. i would like XXXX and equifax to acknowledge my dispute and fix my report as to my attachment i have attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX Cedar XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX OF XXXX XXXX Date Opened : XX/XX/2020 Balance : {$6000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$8100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XXXX XXXX, I filed a dispute with XXXX, XXXX and XXXX in regard to inaccurate information on my consumer report. On both occasions, I never received any correspondence from either agency.
Product: Debt collection

On XX/XX/2022, a Dispute letter was sent out to XXXX XXXX which is being furnished on my Consumer report. The address to send correspondence to XXXX as reflected on my Consumer report is XXXX XXXX XXXX XXXX, MN XXXX. My dispute was sent to this address in an attempt to have this account investigated and all reporting to cease and desist until it could be investigated, however, the mail sent to XXXX was returned " not deliverable as addressed ''. The credit reporting remains and I have disputed with credit agencies and they have verified as accurate, however the debt infact is not accurate and is the result of Fraud. Law provided that all information is furnished on my consumer report must be 100 % accurate and I, in fact, would like this debt verified and a contract to be provided that bears all party 's signatures. which has not been provided to me. 
I found a secondary address and sent a letter to XXXX in XXXX Texas in which they received my dispute and signed for it. However no response was ever received providing me with complete debt validation regarding this dispute.
Product: Checking or savings account

Back in XX/XX/XXXX I worked for a company ( XXXX ) based out of XXXXXXXX XXXX This was a remote job from home. I had worked for this company prior in XX/XX/XXXX on the same project remotely as well. I had given them my checking acct info for my checks to be direct deposited never had a problem prior in XXXX. 
When I worked for them again in XXXX I gave HR the same information for direct deposit as I did in XXXX. My first paycheck was deposited with no problem. The second direct deposit was not showing in my account. I called my bank they told me that it was an error on my employers side, and to contact them. So I did. The HR receptionist pulled mu info up and told me that it shows in their system that my bank had accepted the deposit, and so it is an error on my banks end. Once again I called my bank. They claimed that they could not find the deposit anywhere. I even gave my bank the check number and code if you will from my HR dept so my bank could track it in their system. 
Still my bank continued to tell me that it was an error on my employers end, and my bank told me that my employer XXXX have deposited my check into another acct. 
I ended up going into my bank and speaking with the branch manager regarding this issue I had my boyfriend with me as my witness because this was insane. The manager had no answers for me at all. I sat in the bank lobby for an hour and 20 minutes while he went back and forth into their electronic area who handle the deposits which is South of the bank tellers behind the counter. 
I was told told once again by this branch manager that it was an error on my employers end. 
Come to find out the bank had deposited my check into another person 's account they claimed that had the same information as mine. And by the time I was informed I had already had my employer cancel that check and mailed me via air mail my check to my residence. 
The next incident was my employer deosted my check into my account and 7 days later after my bank had cleared the deposit and funds were no longer available. My employer reversed my deposit. My bank allowed this reversal knowing that I did not have the funds in my account to cover this reversal making me XXXX without my consent or contacting me to notify me. I receive calls and emails 2 weeks after the fact that my account was in the negative again. My employer reversed over 100 employees payroll checks from their accts claiming their payroll company over paid some employees. My check was issued in the same amount as the one previously deposited. An email was sent out to HR and all team managers were ordered to take back our checks however they have to or whatever it takes. I have that email. 
Now I am being sued by my bank for the fault of my employers payroll company plus attorneys fees and court costs. I have had numerous issues with this bank and allowing my account to go in the negative. They have credited my account before over {$400.00} for allowing unauthorized entities to withdraw from my account although the funds are not there t9 cover the amount taken. The bank is Mountain America
Product: Debt collection

Columbia Debt Recovery posted a collection of {$340.00} to my credit report in XX/XX/2022, resulting in a XXXX point drop immediately. I have never heard of CDR, or the company they are claiming to collect on behalf of. They have provided zero notification for this debt ( or any instructions on how to pay it ), and have refused to take or return my calls to remediate since posting the delinquency. I was unable to provide an account number from the billing statement for this complaint even because I NEVER RECEIVED A BILLING STATEMENT. 

Filed a dispute with XXXX, who has been equally unhelpful. They provided an uninformative statement saying the account was verified ( with no elaboration on what that means or how they verified ), has been unreachable over phone, and told me I could file a complaint with the CFPB. So here I am.
Product: Credit card or prepaid card

On XX/XX/ 2017 I received a call at home from the fraud unit of PNC Bank stating there were 2 fraudulent charges on my credit card. Someone managed to get a copy of my card and purchased 2 XXXX XXXX  for a total amount f {$2000.00}. It would be physically impossible for me to do that. I was at work or on my way home from work in XXXX, NJ and the phones were purchased in XXXX, NJ. No one else that I know of had possession of the card. Someone has clearly cloned the card. 

The investigation dragged for months with the person from the fraud unit barely contacting me. 2 months later I was told to file a police report but with no clear direction where it needs to be filed and being I had destroyed the card in question, I wouldn't be able to provide that to the officers. I would lose at least 2 days of work having to do this. When I would try to call the fraud investigator, I couldn't even call her directly via her extension on the papers she sent over. She had the wrong number. 

When I was finally sent a copy of the receipts, the signature is clearly not mine. I do understand that it's one of those signature pads but that is not how I sign my name on those pads.

Last week, I manage to escalate this to a manager in the retail escalation unit and she leaves me a message it was " resolved ''. Resolved meant that I was charged back for those phones.
Product: Checking or savings account

XX/XX/scrub>XXXX XXXX XXXX  was one of the most stressful days of my life. You probably get a lot of complaints but i truly believe this one needs to seriously be looked into considering on how reputable credit karma is and how many of us Americans use it.On XXXX of this year, I had moved all of my money over to credit karma savings as they provided a high yield compared to others. I was in the process of getting a house and they were unable to provide proper documentation needed for the purchase of the home which almost cost me to lose this house. Luckily my lender was really nice and worked really hard to try to get the information needed through other venues being that credit karma was unhelpful, unprofessional and just plain did not have the tools that they're supposed to have to be able to show where funds are sourcing from. Fast forward to about two weeks later, someone had tried to hack into my credit karma account and changed its password, i was unable to see my credit karma activity at all, my email got subscription bombed which forced me to create a new email. Also had to freeze my accounts and lock my credit cards. All my money was in credit karma, i called them over 20 times over the course of 12 hours on that day and no one helped me up to this day. I got hung up on on 90 % of the calls, they werent even able to provide me with balance, transactions made ( considering that they were threatening me to close the account due to many transactions when i only made 4 and i have 6 transactions per month on that account without repercussions ), or even basic trouble shooting for the account. All they said was " you will receive a call within 5 business days with a solution '' when someone was trying to rob my account AT THAT MOMENT AND I NEEDED IMMMEADIATE ASSSISTANCE. They " froze '' the account, however i was able to withdraw all my funds from the account when thats wasnt supposed to happen. Up to this day, no one got back to me, luckily i was able to withdraw my money with my account being frozen but credit karma money needs to seriously be investigated. They are such a reputable company that literally provides ZERO assistance if your account gets hacked or even if your money is in risk of getting stolen. No money got stolen from me as luckily i got up extra early that day and was able to act quickly before this ended in tragedy. This could happen to anyone and end very bad.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX  ( XXXX XXXX on report ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} Status Closed. {$7400.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX  account. {$1600.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} XXXX XXXX account. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$8600.00} XXXX Account charged off. {$8600.00} written off. {$8600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$1800.00} XXXX Account charged off. {$1.00} FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I deposited {$120.00} into my coinbase account. I did this via purchasing bitcoin on XXXX XXXX, and then sending it to my wallet on coinbase pro. After this, I sold my bitcoin on coinbase pro for USD. 

I then proceeded to complete the Coinbase Earn program, and was compensated with {$38.00} in various cryptocurrencies as a reward. After completion of the program, they give you the option to refer someone to do the same and receive up to {$10.00} in rewards per completed referral. 

I referred my mother, who I then helped set up a account on coinbase. 

Immediately after this, my account was locked, and I am no longer able to access any of my USD on the Coinbase Pro  app. Within their Terms of Service, they explicitly state that unless ordered by federal or legal means, youre money will always be available to withdraw to a verified bank account. 

Not only do I have a verified bank account connected to the company, but I have provided all necessary identification verification documents. They are in direct violation of their own terms of service, and are illegally holding my money hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bothered by the actions made by the Credit Reporting Agencies! They have failed to comply with the FCRA section 605b and continued reporting the disputed accounts and information on my Credit File that resulted due to Identity Theft. I have been sending multiple written letters addressed to the Credit Bureaus requesting that they remove all the disputed accounts and information from my Credit File or provide me copies of documents bearing my signature to support the Credit Bureaus claims that the disputed information belong under my name. Either which, the Credit Bureaus have failed to do so. I am now submitting this complaint to you today to inform the Credit Reporting Agencies that I am in talks with my Legal Counsel to initiate legal response for the Credit Bureaus incompetence and negligence. Under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identiy theft. I need the following items deletes as soon as possible : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$250.00} US DEPT ED XXXX Balance Owed : {$1700.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX 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 told TD bank that XXXX was taking money from my account for months since XXXX all the way to XXXXXX/XX/year> and they told me they couldnt do anything about it due to fact that I was logging into my online banking the total came to about {$780.00}
Product: Vehicle loan or lease

Nissan financial is reporting to all my credit bureaus that I have an open balance for Account number XXXX of {$1300.00} and monthly payments of {$430.00}. This is false and Nissan has agreed with me on the phone. I am kindly requesting they update my account as soon as possible to the bureaus. I have completed all lease payments and have 0 payments remaining as shown on documentation I am Attaching. 

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

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} ; XXXX XXXXXXXXBalance Owed XXXX {$7200.00} ; XXXX  XXXX Balance Owed : {$1700.00} ; XXXX Balance Owed : {$3400.00}.
Product: Mortgage

We use the CARES ACT for our mortgage serviced by XXXX XXXX XXXX. We thought all documents were completed only to find out that after they sold our Mortgage to MidFirst XXXX and we tried to refinance that we can't due to unfinished paperwork. We are currently trying to refinance and we cant refy or sell due to this issue and we have exhausted our resources in trying to get this matter corrected and need help.