23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX To whom it may concern : I would like to file a complaint against XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Today I received the attached letter from XXXX Bank, and what they continue to do to slander my credit should be illegal. 
I have had no dealings with XXXX since XXXX of XXXX. 

And from that time to present, on a monthly basis, XXXX has continued to request copies of my credit files, as well as continue to report information that is inaccurate so as to destroy my credit rating. 

XXXX, and XXXX, I had complained about this issue, because they continued to put false balances owed onto my credit files, as well as, to report false status dates so as to make it seem as though I had, had recent credit activity with them. 

I do not owe this fraudulent balance {$1600.00} that XXXX has passed on to this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX Bank ran up that fraudulent balance with their usury fraudulent charges, and fees. 
They claim to have charged off an account on XX/XX/XXXX, this is not true. 

On my credit files, for at least a year beyond XX/XX/XXXX, XXXX was placing over {$100.00} in charges, and made-up fees onto a balance that they were running up. 

Since XXXX to present, my credit files were being dinged twice for duplicate false information. 
This treacherous Credit card company would pass on their lies to collection agencies who would report onto my credit files, and XXXX would report the same false information as well. 

And now they have passed on information to the above-named entities, who are willing to continue the deceptive practices of XXXX XXXX Bank XXXX 

I have previously complained about XXXX XXXX Bank, who has now rebranded under the name of XXXX XXXX. 

In checking the XXXX, I have found that they have an ALERT, for XXXX, and they have 4,257 complaints since the last 3 years, and what each and every one of the consumers have complained about, I have experienced it all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporter act conversion XXXX XXXX  and XXXX XXXX has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2 a consumer reporting agency can not furnish your account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance : {$5100.00} ; XXXX XXXX XXXX Balance : {$470.00}
Product: Mortgage

I was denied for HAMP, XXXX XXXX XXXX Mod and HAMP Tier II. HAMP and XXXX XXXX XXXX mod said I am less than the XXXX % DTI, which I understand that. But the HAMP Tier II I do qualify for. My denial letter states that I was denied for HAMP Tier II for the following : Your client 's modified monthly mortgage payment must be greater than or equal to XXXX % or less than or equal to XXXX % of their gross monthly income. Well, I am at XXXX % DTI which shows that I do qualify for HAMP Tier II. 
I filed an Appeal on the denial letter and the lender stated they would have a response by XXXX/XXXX/2016. My atty nor I have received a response. I called the lender on XXXX/XXXX/2016 and I spoke with XXXX in the XXXX XXXX. She placed me on hold while she contacted Loss Mitigation. XXXX came back to the phone and she stated that the Appeal is still in review and is in the Complaint Department. She stated that Loss Mit does n't know when a decision will be made. 
This is not acceptable. As you can see I clearly qualify for the HAMP Tier II and the lender has taken over 30 days to respond with a decision on the Appeal. Even if I did not qualify for Hamp Tier II, the lender should have some in house modification programs such as Asset streamline mod etc, to assist homeowners with true hardships. 
The lender also indicated on the denial letter that the completed an interior appraisal on the property. The lender DID NOT complete and interior appraisal or an exterior appraisal on the property.
Product: Debt collection

I noticed that these items were on my credit report and I did not authorize any of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX was not authorized. Current balance {$830.00} Portfolio Recovery A XXXX XXXX XXXX  Opened XX/XX/XXXX was not authorized. Current balance {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX was not authorized XXXX XXXX XXXX Opened XXXX XXXX Inquiry says closed XX/XX/XXXX XXXX Opened XX/XX/XXXX WAS NOT authorized current Balance {$360.00}.
Product: Student loan

I attended XXXX while serving in XXXX, the pricing was getting taken care of by military benefits. I then went XXXX, I return home after being XXXX to find on my credit report Navient. Not only are they reporting negative information on my credit report when they should n't be they called family members harassing them. They got their numbers from old student loans from XXXX XXXX including my fathers when he has n't been in school and done with loans for years. They called my grandmother and let me tell you I got an ear full from her, saying I gave out her number and how disappointed she was in me. For what for fraudulent charges by some company I have no responsibility too. Not only all of this I also find the amount they are trying to " collect '' does n't even make sense. So apparently Navient wants to be known for taken advantage of military veterans and scamming them out of their money while ruining their lives!
Product: Credit reporting or other personal consumer reports

I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

XXXX  XXXX, account # XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account immediately for violation of 15 USC 1681e ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to complaint XXXX. Experian said that some inquiries that I disputed were not reporting which they are. I do believe that Experian is stalling, and an investigation was not conducted. They removed 7 inquiries but there are still inquiries from the letter that I sent on my credit report. Please refer to the letter attached and remove the inquiries that are still reporting on my credit report. At this point I will be seeking {$1000.00} per violation if this situation is not resolved. I also reported this to the FTC being that I was involved in a data breach.
Product: Money transfer, virtual currency, or money service

Funds missing for 35+ days. My wire of {$30000.00} was reversed by Coinbase on XX/XX/XXXX.  Coinbase has 7 business days turn around time for these transactions but it has been 35+ days and the funds are still missing in my bank account. 

I have contacted Coinbase customer support numerous times but there is not progress whatsoever. I urgently need the money. 

My XXXX # XXXX : XXXX and Coinbase case number is XXXX. 

Can you please help?
Product: Money transfer, virtual currency, or money service

My Debit card number was used to purchase virtual currency products on Etoro.com. I did not authorize this. Somehow someone got a hold of my card information but not my physical card. 

This Happened between XX/XX/22 XXXX. 

I contacted Etoro and they said they were going to refund me my money but I have not heard from them since. I have sent emails but no reply 's. I was defrauded of {$500.00} Total. See attached screenshots.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address XXXX XXXX XXXX
Product: Student loan

Subsidized and unsubsidized loans were placed under my name without any written consent or approval
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 72 hours stating the account is acurate, without providing any evidence of a torough investigation. this practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C 1681i. which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802.
Product: Credit reporting or other personal consumer reports

I have a late payment on my credit report that I am requesting to be removed, heres why.

According to the FCRA my consumer rights where violated under 15 U.S.C. 1681 in section 602 it states that I have the right to privacy, 15 U.S.C. 1681 section 604 section 2 it states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 section 666B it states a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes.

Under these statutes from FCRA I would like these negative reports off my credit report as soon as possible thank you!
Product: Mortgage

I notified Ocwen that my property taxes and my insurance had both been changed ( lowered ). They were provided with the necessary documentation from both the new insurance company, which they have already paid and the formation from XXXX that my property taxes were lowered. They are refusing to update my information and sending me new escrow estimation so that my payments reflect the changes. The county sent them notification of my tax decrease in XXXX yet in XXXX they sent me an estimate of escrow with the old information. I have spoken with both their escrow and insurance departments and they both agree they have received the updated information. I have contacted them every week since I recieved their escrow estimate in XXXX and am being told that they will correct the problem in XXXX business days but today is XXXX XXXX and it has n't been corrected yet. 

I keep getting phone calls from them asking if I have received a refund from my old insurance company and to send them the refund. I was also charged a {$100.00} fee for something they say my old mortgage company charged however, I have called the old lender and they say they have no record of a {$100.00} fee. 

I am XXXX years old and live on a small fixed income. I feel that they are trying to take advantage due to my age. I ca n't afford to give them monies that are not due them and would appreciate your help in getting this matter resolved in a timely manner!
Product: Mortgage

We paid off our mortgage in XXXX we were told the release of lien letter would be sent in 30 days. I have been calling since XXXX and today I get informed that the release of lien letter is not yet available. This is Mr. Cooper XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX ph # XXXX.
Product: Mortgage

In XXXX I was in a car accident.Even though i wasn't at fault their Insurance refused to pay for a car rental, so we had to so my son could work it was {$450.00} a week. that made me futher behind in my house payments, I got a letter in the mail from my lender saying that if my payment wasnt made by XXXXmy house would be Auction off that day. I reached out to my lender and was told to talk to their legal group. i reached out to them told them what i had already told my lender about the accident and why i was behind.At that time I believe my back time was XXXX XXXX, I offerd XXXX XXXX, and told them it was all I had. They told me no. They then said I had to pay all of my back time and could not make any other payments untill I did that. Then I had A neighbor who wants to buy XXXX acer of land for {$18.00} XXXX { and still does }, We have been Trying to get my lender to do a particl release of my land so he could buy the acer and Ican keep my home. I even gave his banker written permission that my lender had me fill out to talk with them any time so they could get the land and I could keep my home. The lender kept stalling untill it was to late and then never told me anything even had me believeing they were still trying to get things worked out so the deal would go thru. untill yesterday XXXX when XXXX XXXX A counsler with XXXX called my lender with me and was told it was sold on XX/XX/year>. I have never recieved anything stating that. the amount of the land would have been more than what i owed with extra left over.I have Emails and doucements showing that i was lead to believe that they were trying to help but realy wasnt. I hope i did this right ive never realy worked on a computer before. Thank you for any help.Ps i also have a doc where they sent a gentalman to my house on XXXX wanting to give me {$3500.00} to move out by XXXX.I believe they meant XXXX.If it was sold on XXXX why did they do that? the lender wasnt awhere that happend When they was asked about it.
Product: Debt collection

I received a letter from Portfoilo recovery on XXXX/XXXX/2015 claiming I owed a bill, I sent a written dispute along with their dispute letter. They claimed they did n't receive it, however with speaking to reps from portfolio recovery they stated my account was in dispute, however I received a second letter regarding the same claim to collect money for the same claim that is in dispute. I have sent copies of the original dispute letter to Operation Manager by his request on XXXX/XXXX/15 after speaking to him on the phone. He replied to my email that it would be forwarded to the Vice President of the company, this alone shows proof that I disputed this claim upon receiving the XXXX letter. I have been called as well after disputing my claim. This is the 2nd time I have been contacted, once by phone and a second letter after submitting a dispute letter.
Product: Checking or savings account

Hi, Per my previous complaint XXXX submitted XX/XX/XXXX, Keybank has responded on XX/XX/XXXX that they are still working on the issue. 
It's been another month since, please pass the information to Keybank that we are still waiting for their answer. We need the online transfer feature to transfer to another financial institution 's account. 
Thank you very much.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

RE : NetSpend Visa Debit Card - Received yesterday XXXX/XXXX/16 " This replaces the temporary card you recently purchased. '' Did NOT purchase or request this card. Husband 's ID very recently stolen. Thief opened a credit card and XXXX checking accts. in his name ( police reports filed ). Today received unsolicited debit card as notated above. Inquiry to issuer as to how they obtained our personal info and how card was issued without request. They requested verification from us by asking that we confirm his SS no. which we did not provide. They will NOT divulge how/where they came to have this info. We believe ID thief is involved in some way. This company is either highly unethical, fraudulent or both. Although they claim affiliation with XXXX, there is zero reason for them to have access to SS no., etc. We are and have been extremely vigilant re/personal info and handling of credit and would never, ever use such a card - very alarmed here. 
Thank you for your attention.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Kindly take immediate action to delete the fraudulent inquiries from my credit report. I did not approve them, and they are causing me significant stress.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of late payments on my credit report associated with the referenced accounts. Upon reviewing my credit report, I have identified inaccurate information that I request be immediately investigated and removed as per the requirements of the Metro 2 guidelines and the Fair Credit Reporting Act ( FCRA ).

Under the Metro 2 Format Compliance Condition Code, this information must be accurate and verifiable. I request that the following steps be taken to resolve this matter : Verification of Accuracy : Please verify the accuracy of the reported late payments, including the timeliness of the data furnished under the Metro 2 standards. I ask that you ensure the data meets the accuracy and completeness requirements.

Investigation : Under FCRA 611 ( a ), I am entitled to an investigation of any information I dispute on my credit report. As this account was improperly reported, I request that you initiate a full investigation, including contacting the creditor for accurate information. 

Correction and Deletion : If the information can not be verified or if inaccuracies are found, I request that the late payments for be promptly deleted from my credit report. Please update my credit file accordingly and provide written confirmation that the deletion has occurred. The accounts in question are listed below showing late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Copy of my credit report highlighting the incorrect information Account statements and payment records proving timely payments ( if applicable ) I expect your prompt attention to this matter. Per the FCRA, you are required to complete your investigation within 30 days of receiving this letter. If the information is not corrected, I am prepared to take further action to ensure my credit report is accurate. 

Please confirm receipt of this letter and provide written confirmation of the actions taken to resolve this dispute. 

Thank you for your attention to this matter.
Product: Student loan

I have received confusing and contradictory information regarding my repayment options. I tried to resolve this on multiple occasions without success ( lack of communication from my servicer, FedLoan Servicing ). My bill then increased by over 100 % ( approximately 3,000/month ), still without any communication. 

I have been in the IDR plan for many years. My income increased this year, and when I went to recertify, I was told that my application was on hold. Here is a timeline of events : XX/XX/2019 I received an email notice that I need to recertify my IDR XX/XX/2019 I received email confirmation that my IDR request was received. I was informed it was on hold, and that I would receive additional information after XX/XX/2019 when my final payment posted. 

I never received this email. I logged into my account in XXXX and the progress of my request said " denied. '' This message was present : " We were not able to process your recertification request for your IDR plan. A letter will be sent detailing the reasons that we could not approve your request and next steps if you think this information is incorrect. This letter never arrived. 

I never received this letter. 

XX/XX/2019 I sent an email communication asking for more information. A day later, I received a letter stating that I would remain in the IBR plan, and that my payments would be ~ $ XXXX/month. At the same time, the next balance statement for me stated I would owe ~ $ XXXX. I did not receive a reply to my email inquiry about this. 

The bill stayed at XXXX despite my email request for more information, and I was charged XXXX ( approximately 50 % of my current monthly take-home pay, and about 25 % of my household income ). On top of that my outstanding interest was capitalized, presumably because I was changed into a new plan? 

I completed my paperwork ahead of time, and tried on multiple occasions to figure out the problem. I received no direct communication despite my attempts at email, and as a result of the inability to resolve the problem had a massive jump in my monthly payment as well as a capitalization of my interest. 


A second complaint, though more minor is equally frustrating. A loan repayment assistance program to which I replied requested a " total payoff balance '' statement from my servicer. I sent 5 emails over two weeks requesting this, and never received a single response. The deadline from the assistance program has now passed, and it may affected my eligibility for assistance.
Product: Credit reporting or other personal consumer reports

Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX credit usage is not being reported correctly. I've tried several times to get this matter corrected by calling the bank and the credit bureaus but no success. Also all three bureaus are reporting different I would like all 3 to be reporting the same. Can someone please help me