23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX BANK XXXX NAVY FERDAL CREDIT UNION XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.
Product: Credit reporting or other personal consumer reports

I took out a loan with XXXX XXXX paid it off on time however XXXXXXXX and XXXX XXXX they are claiming my account is late and which it never was my account has a XXXX balance owed as pictured this has caused me XXXX XXXX as Im trying to fix my credit this has caused my score to drop very low Im in the process of filing a civil suit against XXXX XXXX for failing to protect my consumer rights Also Equifax have failed to remove fraudulent accounts from credit report after sending in proof and verification of identity theft XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Also inquiries that I did not authorize XXXX have also failed to remove inquiries that I had previously disputed as a victim of identity theft which i provided as well
Product: Mortgage

I was wondering what happen to my mom XXXX XXXX XXXX life insurance?
Product: Money transfer, virtual currency, or money service

I am writing to formally lodge a complaint against Coinbase, a cryptocurrency exchange platform, due to their inadequate customer service. Despite numerous attempts to resolve an issue with my account, including hours spent waiting for responses via their chat and callback services, I have been unable to obtain any meaningful assistance. 

Coinbase does not provide an email address for support, and their existing systems have proven ineffective. This lack of accessible and efficient customer service has caused significant inconvenience and frustration. I believe this violates consumer protection standards that require companies to provide reasonable support for their services. 

My particular problem might be accidental or it might indicate widespread fraud. New users of Coinbase are offered a reward of up to {$200.00} after completing their first transaction. A XXXX the XXXX determines the amount of reward. In my case, I was awarded {$3.00} of XXXX ( XXXX ). However, that asset was never placed in my account and appears to have been taken back by Coinbase. I can not get them to respond to this complaint. How many others have also been scammed in this way? 

I kindly request your intervention to ensure Coinbase addresses this issue promptly and improves its customer service practices. Please let me know if you require further details or documentation regarding my experience.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VALIDATION AND CEASE AND DESIST AND DO NOT CONTACT MY CREDIT Re : Unifin Inc XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account # : XXXX Dear Unifin Inc, I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report. 
Thank you for your immediate cooperation. 
XXXX XXXX
Product: Debt collection

I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Product: Debt collection

I have received a letter Midland Credit Management with my address but with a different name telling me I owe an outstanding debt on a card I have never owned from a bank I have never done business with. I have checked with the credit report with the credit agencies and none have shown that card nor any outstanding debts or collections. I do not know when this first started, but I demand they stop billing me for a debt I do not own and leave me alone.
Product: Debt collection

I was told my synchrony Bank that sometimes in XX/XX/XXXX i OPENED a value city furniture account in the amount of XXXX. I opened a fraud claim with them as THIS WAS NEVER OPENED by me. They later one transfer this case to collection and for XXXX times I was summoned to appear at the court of common plea in XXXX ohio. This case has now been dismissed by the court as it was determined I did not own this money. In XXXX I did not even know of synchrony Bank. The only furniture I bought was in XXXX and the creditor was XXXX XXXX XXXX company. This transaction has been hurting my credit report since then and I want this to be removed from my account which is why XXXX asked me to file this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion Multiple times, explaining I have inquiries in my report that I haven't authorized and are violating my rights and the fair credit report act law. [ 15 U.S.C. 1681a ] ( 2 ) ( b ) the term consumer report does not include. '' any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Transunion has been answering that the inquiries have been investigated and verified without providing documents that the inquiries have been verified, violating [ 15 U.S.C. 1681a ] ( 2 ) ( e ), which states, " The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' and 1681a ] ( 2 ) ( f ) which states The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Transunion has sent me multiple letters telling me to verify the inquiries with the agencies reporting them and refuse to take responsibility for violating my privacy and using my information with other agencies without authorization. Failure to respond satisfactorily within 30 days of receipt of the certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for defamation, negligent enablement of identity fraud, and violations of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple names on my credit report that are not my nor names I have ever used. As of XX/XX/2022 I have sent letters to the bureaus and they have not corrected these errors. It's been almost XXXX days with no response. 
My name is XXXX XXXX Names that appear on my report are as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of those people are me
Product: Payday loan, title loan, or personal loan

Throughout the time my account has been with Tower Loans, my account information has been shared several times with other employees at my job and residents in my home. The representatives do not verify any account information before sharing the details of the account. I have had 2 co workers approach me about my Tower loan account. 

Tower loan reps are calling 3/4 times several days within a week. The calls have come in durations of 10 minutes to an few hours apart. There has been moments I call for account information or resolution, but still about receive 2 calls throughout the same day. This account has never been completely abandoned account, if I couldnt make full payments I paid partial, ls, than extra to bring it currents after hardships arised. 
In efforts to bring the account current after, I made an automatic payment arrangements for {$250.00} and wrote several post dated checks up to XX/XX/XXXX for an additional {$150.00}. The {$250.00} covered regular {$210.00} payment and extra {$150.00} cover any past due amounts. It was setup this way because the system wouldn't allow them to setup 2 separate automatic payments within a single month. During this time I was still receiving at least 2 calls per day stating my account was past due and needed to setup arrangements. Each time I explained, that it had already been done and the checks were physically in the office. Each time the representative stated that my account had not been noted of those arrangements and repeatedly demanded payment. There were a few incidents where the representative told me, " if you would pay my bills, they ( tower loans ) wouldnt have to keep calling you, next step is we will sue you ''. Everytime an incident occurred I spoke with a current General Manager that promised the account would be updated to prevent further " human error '', needless to say those situations repeated itself nearly every month. Despite making on and off payments to bring the account current. it had been sent to collections and they are still continuing their aggressive phone and home visits. 

Today XX/XX/XXXX, I missed their call, I called the office back within 7 minutes, spoke with a representative, then within 3 hours another representative arrived at my door. 
The company has to be held accountable for harassing customerd and sending representatives to your home,, especially during the pandemic.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XX/XX/2019 we received a statement from this company saying our escrow is {$400.00} short. When I called 5 times to have this situation handled I was put on hold for more then 30 minutes with no questions answered. Then on XX/XX/2019 we received a delinquent notice for {$130.00} from our township saying they havent been paying the taxes corrected. I received zero explanation how my escrow is short but theyre not paying my taxes correctly. I read online theres SEVERAL people going through this same issue with no answers to why their escrows are short and why their taxes are not paid correctly.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Product: Mortgage

Initially I called and requested SPS apply my first payment to my account, as their records indicate I am past due. I mailed my first payment to XXXX before XX/XX/XXXX, which is what I was instructed to do ( per the enclosed letter from XXXX notifying me of the transfer of the note. Please see the enclosed documents ). Please note I opened XXXX accounts with XXXX, however this check is most assuredly for the XXXX the XXXX fairway, because the amount is the proper amount for the monthly payment on that property, and I references account number XXXX in the memo. Account XXXX was the XXXX account number for this loan. I have sent SPS multiple copies of the check that the original Servicer cashed, however SPS refuses to rectify the issue with XXXX, and are currently charging me late fees. SPS Claims the following : At the time the account was service transferred to SPS on XX/XX/XXXX, the account showed due for the XX/XX/XXXX, due date. The unpaid principal balance ( XXXX ) was {$280000.00}. Please note a payment was not applied to reduce the XXXX at origination or before the service transfer to SPS. In our review, you called the prior servicer and requested information on the payment. They returned the money to you directly via mail on XX/XX/XXXX. As the prior servicer did not forward funds to SPS, late fees assessed in the months of XX/XX/XXXX through XX/XX/XXXX totaling {$290.00} are valid. 
However every assertion therein is a lie. Firstly, I do not have a refund from XXXX. Secondly, I was never properly notified of the change. The letter ( attached ) provided by SPS advising me of the change is dated XX/XX/XXXX, which is AFTER I received the letter from XXXX that SPS has refused to acknowledge, and AFTER the first payment on this loan was made. Furthermore, the assessment of late fees is further improper and fraudulent, because even if I received a refund as SPS claimed, then that happened after the late fees were assessed and I still would not have been able to forward the payment before the assessment of late fees. It is curious that SPS is able to determine that I got a refund, however they are not able to properly rectify the issue with XXXX. 
This is not appropriate. SPS purchased the loan, and the first payment was misapplied by XXXX. SPS needs to get the payment from XXXX, and reverse any late fees and additional interest they charged me because of XXXX error.
Product: Mortgage

I currently have a {$100000.00} HELOC account with PNC Bank. As of XX/XX/XXXX, my balance owed was {$83000.00}. I made {$55000.00} in payments spread across a few payment dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. PNC, during a computer system update, appears to have lost all of those payments. They do show them as being made, but then they reverse them a few times so I end up owing {$83000.00} as of XX/XX/XXXX and throughout the entire month of XX/XX/XXXX.

So the issues I have with PNC Bank are : 1 ) They posted, but then reversed, {$55000.00} of my payments made over the last month. Therefore, they have " lost '' over $ 55k of my money. This is a concern.

2 ) The XX/XX/XXXX statement that they sent me indicates that in addition to the above incorrectly-lost principle that they say I still owe, I also owe the following : {$470.00} past due from my XX/XX/XXXXstatement ( a payment I obviously already made ) which included both interest and principal amounts, a {$50.00} late fee for not paying last month, {$500.00} for my XX/XX/XXXX statement. The XX/XX/XXXXstatement of {$500.00} includes 30 days of interest on {$83000.00} ( plus 3 additional days of interest at a slightly higher amount ) which is {$240.00}. This is significant over-billing for XX/XX/XXXX's interest, approximately 3 times higher than it should be, because they never lowered the principal balance remaining on my account after my {$55000.00} in payments.

3 ) I contacted PNC approximately 4-5 times over the past month to try to fix these issues. I was told the issue was known and it would be fixed quickly. Once I received my statement on Monday, XX/XX/XXXX, I called to have my account reviewed. My account was not reviewed. I was told that the statement can not be fixed or updated until maybe next month and I owed what it said I owed, even though the PNC representative agreed that my principal should have been lower during the statement.

4 ) None of the PNC representatives, including the Escalation Team representative XXXX XXXX, was able to tell me how much I should actually pay by the XX/XX/XXXX due date other than asking me to overpay based on the incorrect statement. None were able to properly calculate a true amount owed. They asked me questions such as, " What is the interest start date on the statement you have? ". Well, why would you need to ask me that, isn't it in your records? And, your monthly statement does not actually list that date, don't you know that? ( I will attach the statement in question to this complaint. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX bank credit card put my credit card statements as paperless without my permission, resulting in my forgetting to make a payment. This caused a 30 day late occurrence on my credit report. I asked XXXX XXXX XXXX bank to remove the 30 day late occurrence from my credit report and they did not accommodate. 

This practice of tricking consumers into opting into paperless is a common tactic used by many financial institutions that result in late charges for consumers and benefit these institutions, because statements are sent out to consumers. 

something needs to be done about this online malpractice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX & XXXX XXXX Account # XXXX, PREFERRED LEASE Account # XXXX, XXXX XXXX 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 instruction
s
Product: Credit reporting or other personal consumer reports

My report contains hard inquiries I never authorized. As per 15 USC 1681c-2, please have these removed.
Product: Checking or savings account

CAPITAL ONE IS REFUSING TO RETURN MY SAVINGS! I received a letter from " XXXX, On behalf of Capital One '' asking I sign an affidavit. However, XXXX failed to include the necessary check numbers and dates of checks which he claims were sent to me, and I never received. I called XXXX XXXX XXXX ext. XXXX XXXX several times, and he is REFUSING to return my calls. When I spoke with an agent from the CAPITAL ONE back in XX/XX/2021, I was told they could not give me any information regarding the first check and the re-issued check. The agent added that a second check was never issued. CAPITAL ONE IS ASKING ME TO FILL OUT THEIR FALLS AFFIDAVIT CLAIMING I RECEIVED THE CHECKS AND LOST THEM. I HAVE NEVER RECEIVED THE CHECKS IN QUESTION! CAPITAL ONE IS WITHHOLDING MY SAVINGS TO THEIR BENEFIT AND NOT MINE! A Notary will not notarize an incomplete form XXXX blank check number and dates of checks XXXX. Since XXXX is refusing to speak with me, I completed my own affidavit. I had it notarized and sent on XX/XX/2021 via fax at XXXX XXXX receipt # XXXX from XXXX at a cost of {$6.00} XXXX. I AM IN MY XXXX 'S. I AM A XXXX GRANDMOTHER. I AM FEMALE. I HAVE MY HEALTH NEEDS TO TAKE CARE OF AND NEED MY MONEY BACK ASAP! I SUSPECT CAPITAL ONE IS DOING THE SAVE TO MANY! Why are banks being allowed to take advantage of people? I NO LONGER TRUST CAPITAL ONE ; THEREFORE, I HAVE WITHDRAWN MY MONEY FROM THEIR BRANCH! CFPB, you are part of the problem since you closed my original complaint before the issue was resolved. WHAT CAPITAL ONE IS DOING TO ME AND THE SUFFERING THEY ARE CAUSING ME SHOULD NOT HAPPEN TO ANYONE! On behalf of consumers and citizens I ask for everyone involved with the banking industry, their regulation and their laws to DO YOUR JOB JUSTLY IN ORDER THAT YOU XXXX NOT LOSE THE TRUST OF THE PEOPLE YOU SERVE!
Product: Mortgage

I have been sending payment for my home line of credit, the bank has been applying the payment to my mortgage. I have attempted to resolve this issue with Bank of America they have said they investigate the matter and have not and this has been going on since XX/XX/2020. I was in a bankruptcy and it was closed XXXX of this year the bank has been receiving payment for both mortgage and line of credit the whole time and making the trustee payments. I am now getting letters of delinquency and I don't know where else to turn, I went back to my bankruptcy lawyer who said he can not help, and when I came to a HUD agency they suggested filing this complaint since I have exhausted all other methods.
Product: Money transfer, virtual currency, or money service

identity you and your account. 
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.