23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Complaint Against Mr. Cooper Mortgage Company Mortgage Assumption Department. 
Contact Person in Mr. Cooper : XXXX XXXX-Research Associate, Assumptions. 
Phone ; ( XXXX ) XXXX Research reference # XXXX Loan # XXXX On XX/XX/XXXX, we started a process for a Mortgage Assumption, we sent every document requested. 

On XX/XX/XXXX they requested us an insurance policy for the house, we got a quote with my name in the main document and we sent it to them. they replied that in the policy should be me and my husband. The insurance company said that we need to buy the insurance if we need both names to show up in the policy. then we decided to buy it because we thought the process will take one or two more months. But it was not like that. At this time, we still paying for home insurance for a house that is not under our names. we paid approximately {$1700.00} for this home insurance. 

Also, sometimes they requested a document that we already sent it. On XX/XX/XXXX, we sent a complaint letter to them included in one of the XXXX  packages requested for them, but we never received any answer about this letter. Our contact in Mr. Cooper Mortgage Assumption program was Mrs. XXXX XXXX ;  her phone number is XXXX. Also, one time we received a letter from mortgage assumption Department signed as a XXXX XXXX. I tried to contact Mrs. XXXX one time, but she replied that our contact was only Mrs. XXXX XXXX. 

Sometimes I sent documents to XXXX per email, and she did not deliver to the Assumption Department, because later I received a mail letter asking for documents that already sent it to Mrs. XXXX. 

On XX/XX/XXXX, we sent documents requested for Mrs. XXXX and then she said that our case will send it to underwriting department, but then on XX/XX/XXXX, 3 months later, we received an email from Mrs. XXXX requesting more documents. We though back in XX/XX/XXXX, we are going to close in XX/XX/XXXX, but it was not like that. 

On XX/XX/XXXX, after months and months of sending the same documents over and over, we received an email from Mrs. XXXX " XXXX good day! Your case has sent to underwriting. Thanks, XXXX ". We were so happy but guess what, they take 5 months and 11 days to contact us with the news that our application expired and we need to start over. 

On XX/XX/XXXX, we received a call from XXXX, a representative from Assumption department saying that our application is expiring, then they will close the current assumption process. My husband asked her why no one calls us in months or send an email or even a letter ; why XXXX did not call us? and her answer was " I don't know why she did not call you, they just asked me to call you ''. XXXX said that we will receive a letter informing us what is the next step. We received the letter on XX/XX/XXXX, but, was basically the same information that XXXX said to my husband. 
Then we need to start from zero, after almost 2 years of the process after sending every document requested for them. These showed us that some members of Mr. Cooper Assumption Department were not doing the best for Mr. Cooper customers. Making look Mr. Cooper Mortgage company as a bad option from American families.
Product: Money transfer, virtual currency, or money service

I collect my salary under the XXXX platform, 3 months ago I made a transfer to Coinbase to buy Crypto, make transactions and then withdraw my money to another account. 
On XX/XX/2022 the company informs me that my account has remained restricted and does not let me operate, it does not give me any warning or excuse as to why they made this decision. 
When I contact Coinbase support, they don't give me an answer, they just tell me that they don't support the country I'm in ( XXXX ), but until last month, I could operate normally. 
So, they have withheld my money, saying that I can only convert it within the platform, but not take it out. 

Attached 3 images : 1- My account disabled 2- The test that in XXXX, I was able to transfer normally 3- Coinbase support saying that in my country only conversion is available
Product: Credit reporting or other personal consumer reports

An item that has resulted from fraud which I never benefitted from still appears on my report, yet you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.
Product: Mortgage

BSI has been a nightmare to work with. They never return phone calls, the customer care department can't even send out e-mails. When I inquire about what they need from me to fix a problem, I have asked for the needed documents to be sent via e-mail. They tell me they can not email me.

Every person I have spoken to has given me the same response ; " I will be escalating this to a higher degree to have this resolved for you. I am fully committed to taking care of this problem! '' Guess what, I NEVER HEAR BACK. Nothing get 's taken care of and my problems still exist.

It is going on 3 months of dealing with this company to fix my issues, that do not stem from me. It's lack of communication on their end. Each person I talk to shoves my problem ( s ) off to someone else. Then I have to wait for them to call me, which never happens. I place
a call in again and have to start all over explaining what the issue is. And that's a repetitive cycle. OVER AND OVER AGAIN. I have spoken to over 5 different people explaining my issue. Over 5 different people have given me the same resolution ... NONE! NO RESOLUTION! Currently, my online account says I am delinquent in my monthly payment. However, I have sent in e-mail proof of a written check ( dated ) and confirmation of withdrawal from my bank account, paying the mortgage. BSI has not credited my account! I have received calls
from debt collection asking if I " PLAN ON MAKING MY PAYMENT ''. I HAVE ALREADY PAID, AND I HAVE EMAILED BSI PROOF OF PAYMENT!!

When I try to speak with a supervisor, oh, apparently they can not be contacted. A request has to be submitted for them to call you back. GOOD LUCK HEARING BACK!

If i could, I would withdraw from BSI Financial Services. I want nothing to do with this horrendous company. And there is nobody who will help me. 

On XX/XX/20, I called BSI once again to resolve the issue. The " CUSTOMER CARE '' individual told me, once again, " I will escalate this to the next level and you will receive a phone call before XXXX ( XX/XX/20 Eastern time ) to speak with someone about this issue. '' I bet you can guess what happened next. NO PHONE CALL!!!!!!!!!!! DISGUSTING!!

There is not enough time for me to explain all the issues with this company. My recommendation to you, if being transferred to BSI, BACK OUT!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries from my credit report due to my status as a victim of a recent data breach. According to the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to have fraudulent accounts and inquiries related to identity theft blocked and removed from my credit report. 
Please take the necessary action to block and permanently delete the following information from my credit report : Accounts : XXXX  Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX and XXXX account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Amount : {$1000.00} Date : XX/XX/XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Amount : {$1400.00} Date : XX/XX/XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Amount : {$1400.00} Date : XX/XX/XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
Amount : {$1100.00} Date : XX/XX/XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Amount : {$1600.00} Date : XX/XX/XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX opened an acct in my name. I had attempted to get XXXX. The equipment was never set up properly. The installer was supposed to come back and pick up their equipment and never did. I discovered the acct was still set up fraudulently with a signed contract THAT WAS NOT SIGNED BY ME!! I then was contacted by one collections agency and they returned it to XXXX because I disputed the acct for fraud. Now a SECOND collection agency has added the acct to collections violating Fair Debt Collections Act. I have written several letters of dispute to all credit bureaus and they refuse to remove the account from my credit.

****This account was FRAUD, IT WAS WRITTEN OFF, and now sent to multiple collection agencies. **** *It was not my name signed to the contract and i was not notified of the 2nd collection agency violating my consumer rights**** *****The creditor is not the original creditor. acct was written off and sold to not 1 but 2 collection agencies. **** ****This account is from almost a year and a half ago and have bypassed their allotted time frame to add this to my credit reports. ***** The original creditor received amounts back on tax returns for losses. they are attempting to triple debt since this is now a 2nd collection agency that has attempted to collect this debt!! IT IS AND HAS BEEN A FRAUD ACCOUNT!! XXXX states I am liable simply because there is my name signed on this alleged contract and refused to investigate after I offered them proof of my signature.
Product: Checking or savings account

I transferred XXXX dollars to open a synchrony bank CD. It was an error. I wanted the money back in my account. I called several times and had a lot of new passwords I had to provide because they never work the same day or the next hour. The last time I had to obtain a code from synchrony via XXXX. I verified who I was via XXXX code That was last week, XX/XX/XXXX. I thought the bank had 3 days to return my money. Today, the XXXX day, I called. Held on for 24 minutes and was told the account was closed TODAY. So no money back into my bank account for ANOTHER 3-4 days. This is illegal. Synchrony bank does whatever it feels like. If they charge me fees for closing this CD early, it better not be for 7 days or anything other than 1 day. If they do, I will submit another complaint.
Product: Credit card or prepaid card

I opened this credit card to assist purchasing things after a recent change in life events. A little over a year after financial hardships set in and the account went into default and I wasn't able to reach a resolution with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX, Transunion, XXXX has violated mt federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C section 602 A. States I have the right to privacy.

These Names do not belong to me and Too many On Personal Information. Errors are highlighted and Circled.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft please remove my old addresses from my credit report XXXX XXXX XXXX XXXX XXXX XXXX this address is XXXX XXXX XXXX and I don't live in XXXX  anymore also please remove an incorrect spelling of my name which is XXXX XXXX XXXX that is NOT MY NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to inform you that the debt from XXXX XXXX XXXX is not my debt. The debt from the company they bought the debt from was a fraudulent account. I have spoken to XXXX XXXX XXXX and they agreed to remove this account from my credit report when spoken to them about this account. They have been harassing me instead. Please remove this account from my credit report. Thank you. If this account is not removed asap I will take legal action against credit reporting company 's and XXXX XXXX XXXX. I will be asking for maximum amount of monitery relief allowed for neglecting to solve my issue that have resulted in major setbacks in my business and personal life due to this fraudulent account!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

was in constant contact with XXXX XXXX and requested they advise all financial institutions we were in dispute and they neglected and refused to do so! This has resulted in delinquent status and late fees and payments on two of my accounts and a third now insisting I pay interest although the account has NEVER been utilized and I never authorized the opening of it. At the time I didnt know I could dispute the account entirely and was mislead since it was already open in my name and on my credit report..
Product: Debt collection

I would like to state that I am not responsible for this account, and I do not recognize it. I have never opened or used this account, nor have I ever authorized anyone else to use my name or personal information to open an account. 

Therefore, I request that you investigate this matter and remove this item from my XXXX credit report as soon as possible. I also request that you provide me with a written notification of the results of your investigation, including any corrections made to my credit report. 

I understand that the Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any inaccurate or incomplete information on my credit report, and I am exercising that right by writing this letter. I trust that you will handle this matter in a prompt and professional manner, and I thank you in advance for your attention to this issue
Product: Mortgage

HAF funds not being applied to account. Missing 2 months worth of payments.
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. 

XXXX : Account # XXXX XXXX  : Account # XXXX XXXX  : Account # XXXX XXXX : Account # XXXX XXXX  : Account # XXXX XXXX  : Account # XXXX XXXX auto : Account # XXXXXXXX XXXX XXXX  : Account # XXXXXXXX XXXX  : ( original creditorXXXX XXXX XXXXXXXX XXXX ) : Account # XXXX XXXX XXXX  ( original XXXX ) : Account # XXXX XXXX XXXX ( original XXXX XXXX ) : Account # XXXX XXXX  ( original creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) : Account 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 an account without my written instructions. 
THEY DO NOT HAVE MY WRITTEN CONSENT!
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX : Account number XXXX XXXX Update this account quickly. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX  Update this account quickly. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX Update this account quickly. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX Update this account quickly. 

XXXXXXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX XXXX Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX/XXXX  : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against FIFTH THIRD BANK for committing identity theft. I have never given FIFTH THIRD BANK any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from FIFTH THIRD BANK before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If FIFTH THIRD BANK can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 
The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ).

The continued reporting of this inaccurate information is a clear violation of15 U.S. Code 1681s-2of your responsibilities as a furnish ofinformation & 15 U.S. Code 1681e ( b ).

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until FIFTH THIRD BANK can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and FIFTH THIRD BANKcontinues its collection efforts, I will file for litigation for actual damages caused and FIFTH THIRD BANK will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 1 inaccurate missed payment that's Reporting on my credit. PLEASE properly investigate this missed payment and remove it from my credit report XXXX XXXX XXXX XX/XX/202XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX XXXX.