23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a new complaint but is related to a prior complaint filed with the Consumer Financial Protection Bureau ( Case number XXXX ). Based on that complaint, I received a letter dated XX/XX/XXXX from XXXX XXXX at XXXX Customer Care. When I called XXXX XXXX, she said that XXXXXXXX XXXX is not responsible for the actions of their agent LoanCare, and that I should file a complaint with them. Unfortunately, LoanCare was hired by XXXX Bank to service the insurance portion of XXXX mortgage business, and my contractual relationship is with XXXX Bank, not with LoanCare, so I am again filing a complaint with XXXX Bank. 

In summary, back in XX/XX/XXXX my home was without flood insurance coverage for 21 days because LoanCareXXXX TOOK ALMOST A MONTH AFTER RECEIPT OF THE FLOOD INSURANCE INVOICE FROM MY NEW CARRIER, TO PAY IT. Per XXXX XXXX letter, On XX/XX/XXXX, LoanCare received the signed application from XXXX XXXX and acknowledged the standard 30-day waiting period. Further, it says LoanCare disbursed {$1200.00} from your escrow account to pay for this policy on XX/XX/XXXX and the payment was received by XXXX XXXX on XX/XX/XXXX. I do not dispute any of the facts or dates in her letter and agree that I was without insurance for 21 days. However, what I want XXXX and LoanCare to understand is that I was without insurance for 21 days because LoanCare/XXXX did not pay the invoice on time. 

XXXX deducted from my escrow account {$430.00} for insufficient coverage charges for 21 days, even though it was through their negligence in not paying the invoice that insurance could not start on XX/XX/XXXX as originally anticipated ( there is a 30-day standard waiting period as already stated ). The cost of 21 days of insurance coverage should only have been {$74.00} ( my annual premium is $ XXXX days ). Therefore, I am disputing the additional {$360.00} I was charged ( {$430.00} {$74.00} = {$360.00} ). 

Yes, I acknowledge that there was a lapse in coverage, but it was caused because LoanCare/XXXX  failed to pay the carriers invoice until almost 30 days after receipt of the signed paperwork from the insurance company.
Product: Money transfer, virtual currency, or money service

First my account got hacked bitcoins were purchased. I was quick enough to cancel the transactions before the funds were taken. I informed XXXX and Coinbase of my actions and what had happened and I thought everything was good. A day later, my Coinbase account was locked. I called and asked how to unlock my account and they told me they need to reverify my identity. I emailed them my passport and my state id. Still today i can not buy or sell crypto.
Product: Credit reporting

I ran my credit report with Experian today- XX/XX/2017 and noticed incorrect name spelling and address spelling in my file. Specifically : XXXX is an incorrect spelling of my name, which should be : XXXX. Similarly the incorrect address is listed as : XXXX, IL. XXXX. In reality there is no unit number and the correct address should be : XXXX, IL XXXX.
Product: Credit reporting or other personal consumer reports

I was unable to access my Email account when I purchased a new cellphone. Every effort to contact Kickoff to pay on my installment plan failed. I paid 100 % on time prior to this technical issue. I requested that Kickoff Lending delete the negative information and restore my credit score because the FCRA requires a consumer to get a statement and a method to get customer support to make payments. 

Any assistance you can provide is appreciated. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt was reported in XXXX. The date was recently changed to XXXX. The debt was scheduled to be removed this year. Ive contacted XXXX, a dispute has been opened, again. XXXX stated that it had been changed and it would come off XX/XX/XXXX. It didnt. I contacted them again and was told, the original debt was XXXX and not Enhanced Recovery. This is not true. I have seen it under Enhanced Recovery this entire time. Enhanced Recovery is intentionally, illegally effecting my credit. 
I would like this removed and Enhanced Recovery fined for bad business practices. 
I have stated repeatedly, I have no knowledge or recollection of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted the 3 credit bureaus XXXX, equifax, XXXX multiple times over the past year by phone and mail and let them know that i wanted them to remove XXXX negative accounts thats on my credit report they have violated my rights to privacy they had no permission to even report any information to the credit report and they also never sent me any verification or anything verifying the account 15USC 1681
Product: Consumer Loan

I was given a of {$10000.00} from Best Egg financial institution. They deducted {$500.00} and deposited {$9500.00} into my account. My monthly installment payment are {$300.00}. I just realized the interest alone is {$250.00} from the {$300.00}. That means am only paying {$48.00} a month? That is outrageous, can you please help me I was not told read from any where that was going to be the rest. Am a senior citizen XXXX will retire next year, I can not survive on such a huge amount of interest rest. Please can you help me out. I know there is something wrong here. After 5year I will about {$20000.00} HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 report says late fee over 90days. Account is paid off.

Tried resolving this with the bank about late fees and the amount of time Ive called to have them work with me and still giving me late fees on my report.

The account is closed and paid for in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue that i am have is that XXXX XXXX has a Bankruptcy on my credit file dated for XXXX XXXX 2014. to my knowledge i have never filed a BK. I have sent letter and file dispute with this company and each and every time the item has come back a verity. Since this item as come back and been verify i have even went as far as sending a letter to the US Bankruptcy Court Of XXXX ask them do please state how they verify item to the credit bureaus, the answer that received back was that they do not verify anything to the bureaus. I sent this documentation along with my request to this agency and this item as come back verify and which this item can not be verify because of the fact that us bankrupt court does not verify
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if your are unable to provide a copy of verifiable proof, you must remove the account listed below. I demand the following accounts be verified or removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX For Transunion/XXXX XXXX & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I am a senior, XXXX years old.

You have stated to me that I am not the person submitting this information. You are wrong. I am able to read, write and speak ENGLISH better than you. I suggest you do your job and fix my report and remove these invalid entries. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX ACCT : XXXX AMT : {$59.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$620.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$75.00} XXXX XXXX XXXX  XXXX ACCT : XXXX AMT : {$59.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 
XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX and XXXX, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 XXXX
Product: Debt collection

I am currently being sued by Kramer and Frank PC out of XXXX, MO for a defaulted student loan. I was never sent a notification of debt. The first time I am hearing about this debt is with a lawsuit. I left a message for the attorneys to call me and I have not received a call back. This is a loan I paid on for over 8 years and when I requested verification of debt with the original servicer, they refused. I then stopped paying the loan. Kramer and frank are suing me for more than the original loan amount and have not subtracted the approximate {$20000.00} dollars I already paid on this loan.
Product: Student loan

XX/XX/2019 I sent you a letter requesting that you provide me with the original documentation that bears my signature for my account, you then took the liberty to reply back with my Credit report claiming this account to be verified without sending requested document. As a consumer I have the right to request such documents and you have the responsibility to disclose this info to me. Please do not send me another letter refusing to investigate this
Product: Debt collection

I was contacted by a collection company in XX/XX/XXXX regarding an amount of {$550.00} owed to XXXX XXXX. I stated that I had not had an account with XXXX since XX/XX/XXXX and my balance was completed paid. I asked for verification and further details about this amount owed and was referred to XXXX XXXX XXXX. I sent a letter correspondence in XX/XX/XXXX asking for proof and verification regarding this debt and stated if in fact owed I was willing to make payment with removal of derogatory collection remarks. No verification or response was received. I then went ahead and disputed it with all 3 bureaus in XX/XX/XXXX. This dispute was denied and in XX/XX/XXXX I requested verification again which went unanswered leading me to believe this collection was in error. I sent notice to all 3 bureaus again via certified mail. This dispute was again denied and a letter from XXXX XXXX was sent to my home stating they would not share or verify this account with the bureaus. At this point this collection remains on my account hindering me from qualifying for a federal mortgage first time home buyers program which I am praying to secure. I have no other blemishes on my report other than this and through my efforts have received no response or solution in my attempts to resolve this. This company has been using different collection agencies to contact me and even has different names on my report under the same collection. On XXXX they are under XXXX XXXX XXXX XXXX XXXX, and on XXXX  they are showing as XXXX XXXX XXXX XXXX
Product: Student loan

Every month I have my loan payments and make them on time. I have already resolved one delinquency because of UAS XXXX. I am on automatic eft for my payments and every month it says I haven't payed one of my loans even though I have payed them on time. Then they try to charge me for two payments the next month. I have emailed them every single month to fix this and they haven't for almost a year. I am also being charged late fees with this transactions.
Product: Debt collection

That XXXX XXXX placed an encumbrance on the real property by means of an attorneys lien for {$20000.00} in damages for supposed attorney 's fees in arrears. XXXX XXXX, XXXX at XXXX and XXXX XXXX, issued me a Deed of Trust with a note in exchange for equitable title to the real property located on XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX.
Product: Debt collection

These people call 3 to 5 times a week, they do n't mention a person to be contacted, just that if we do not contact them the " matter which they do not mention '' is going to go into litigation. I know this is a scam! STOP THEM! the number to contact them is as follows.XXXX Apparently I am not the only one. there have been numerous complaints about this number on the net trying to collect money for charges or accounts that never existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent XXXX a letter disputing the US Bank Home mortgage account they are reporting on my credit report. I did not get a response. I sent a follow up letter on XX/XX/XXXX. They responded with a letter on XX/XX/XXXX saying they had completed their investigation and this account was verified through US Bank. I disagreed with their report and sent another letter on XX/XX/XXXX, I sent a factual dispute showing the inconsistencies I have found which proves the account was never properly verified. I was sent back a letter showing the account was deleted on XX/XX/XXXX. I then received another letter on XX/XX/XXXX with a credit report stating that this account was verified through US bank and was added back to my account. This account shows the first delinquent payment in the payment history as of XX/XX/XXXX. The account was never brought current again. However, in the information area it shows the date of first delinquency as XX/XX/XXXX. How is that possible when there are 15 payments prior to XX/XX/XXXX that were delinquent? Frustrated, I emailed the CEO of US Bank and XXXX on XX/XX/XXXX and did not receive a response. I called US Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and no one was able to help. I kept getting redirected and told that US Bank has no information because the account is not current and is so old. Nothing had been done to correct this account, even with proof. After a few months I decided to check and see if the inconsistencies had been updated. I pulled my credit report XX/XX/XXXX to see if the inconsistencies still remain. They are still there. This report shows my first 30 day late payment was XX/XX/XXXX but shows the first delinquency as XX/XX/XXXX. How is this still possible? I called into XXXX today to question the inconsistencies and the rep stated that he did see the inconsistencies but there was nothing he could do as US Bank has verified the account. I am completely appalled that this credit bureau would allow such an injustice to continue to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i submitted a dispute letter to XXXX  in regards to inaccurate derogatory remarks on my credit profile. I sent the letter certified mail and it displays XXXX  recieved the letter. It has been over 30days and I havent been notified of the results of the investigation. This is a direct violations under my rights of the fair credit reporting act due to failure to properly investigate my disputes. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.
Product: Money transfer, virtual currency, or money service

I recently provided a client with a consultation on how to repair his personal credit and establish a business entity after service was rendered he request a refund at which time PayPal complied I have submitted proof that service was provided with screenshots and also advised PayPal that it would be a fcra violation PayPal has made numerous threats to garnish money out of my account using threatening messaging to retrieve a so called debt
Product: Credit reporting or other personal consumer reports

We are in the process of purchasing a home. Equifax has requested documentation to proof my identity since there was a discrepancy. That dispute was completed XX/XX/XXXX. They requested mail in documents such as social security and ID copies. Those were sent and I have confirmation they were received through Equifax. Today XX/XX/year> it has been about a month, my lender still can not see my credit report. I am able to see it but through Factual Data it shows that Equifax isnt providing a credit report for fraud but thats not what I see on my Equifax account. I would just want to know why my credit score isnt able to be seen by my lender and what needs to be done.
Product: Credit reporting or other personal consumer reports

I am not going to go into full details I am requesting that my files be reviewed carefully. Also, please be sure to deleted the following accounts, inquires & address these do not belong to me. My identity has been stolen and I am requesting a review for my complaint. Be sure to send updates to me as soon as possible
Product: Student loan

I requested and was approved for a Private Student Loan Misconduct Application from Navient. My Federal Student Loans have been forgiven through the Borrower Defense to Repayment, due to widespread misconduct from The XXXX XXXX. There has already been several settlements from Navient for widespread, unfair and deceptive student loan servicing practices and abuses in originating predatory student loans for for-profit schools, such as The XXXX XXXX. They held onto my application for XXXX days and ended up Denying my application and provided me with the following reason : 'Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. ' There is no actual reason for the Denial given. This is another dishonest action from Navient to keep frauded student loan borrowers stuck indebted to them. There is overwhelming evidence of misconduct on behalf of both Navient and The XXXX XXXX tied to these loans. There is no reason my application should have been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

On Friday XX/XX/2021 it was in the afternoon. I notice some emails from Wells Fargo that i had made some transaction through XXXX. But i didnt authorize this transaction and i had nothing to do with it. I call my bank right way because i had no idea of what to do about it because this had never happened to me. It was four transactions two of {$2000.00}, one of {$890.00}, and the last one of {$990.00}. When I was talking to them I told them what was going on and the transactions were still on pending and i was told that they were going to cancel them and then told me to hold and then told me that a wasnt possible to cancel them. Then, i was giving a case number and that in 10 days I was going to know what was going to happened and my claim was denied because they didnt find any fraude in my account and told me that there was nothing I can do. Thats why Im here doing a claim because i still have hope that theres something I could do to get my money back.
Product: Credit card or prepaid card

Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for Capitol One to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.
Product: Mortgage

Today XXXX/XXXX/2015 at XXXX, a representative from Chase Mortgage called and demanded mortgage payments. We discussed that the house is vacant and that I called their office to ask for foreclosure due to my husband 's XXXX. After much discussion, I agreed to try and see if I can do a deed in lieu, that he will send out a representative to see me to help. But toward the end of the conversation, he verbalized that the late payments will be reported to the credit bureaus and the most concerning part is that apparently my mortgage had been reaffirmed. To my knowledge and my atty 's advise, we did not reaffirm our house at all. But the representative insist that I did. I asked him to send me a copy of the said reaffirmation but he wont.
Product: Mortgage

My parents died and my brothers and I are their heirs. We filed affidavits in Virginia Real Estate Affidavit and Small Estate Affidavit. 
Shellpoint Mortgage is refusing to discuss the mortgage or options related to the mortgage. They requested documentation in order make me authorized to speak about the loan. I sent the paperwork as requested. Then I was told it needed to be sent to another email address. I sent that. Then I was told it needed to be faxed. I did that. Tomorrow it will have been a week since I sent in the paperwork and they still say I am not authorized. I am authorized according to the state of Virginia. I dont understand how it is legal to not speak with me about this loan that is past due for a payment. We are trying to figure out our options and can not figure anything out until we get information from shellpoint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has allowed my social security card, which is my credit card be used without my authorization. This is aggravated identity theft as well as unauthorized use of my credit card where another person ( s ) receives a benefit and I do not. This is a criminal violation that is punishable by fine and imprisonment.