23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were going on two months behind on our mortgage with Bank of America. I had lost my job because of downsizing. I had taken out a student loan and gone to school to learn a new profession, but everyone wanted at least two years experience and I had about six months. It was difficult since I was older and the job market was flooded at that time for my profession with a lot of young girls who may be faster or have more experience. Everybody was getting modifications at that time, so we thought we should try for one. We always paid the late fee with our payment if we were past the due date, but Bank of America would return the late fee saying it was n't enough for the next payment. When we went for the modification we were told it would help us get it if we were three months behind. So we did as told and got a " modification '' that was more than {$200.00}. more than the payment we had!! We refused that and by then more behind, asked if we paid up to date if we could just go back to the original payment. They said yes, so my husband got a loan from his retirement fund, we paid that, and for about three months everything was okay. Then they started billing us for the modification amount saying they had to have an escrow account to pay for taxes and insurance, which we never had included before. We always made payments on our insurance and saved for taxes and did not have to worry about paying so much every month They did not tell us if we applied for a modification the escrow was a requirement. Then I had to have XXXX, and XXXX among other medical problems and payments were impossible for us. Bank of America would not take any money except all that was due. So we ended up more behind, then the mortgage went to XXXX and they could not give us a modification with the information they had and more charges were added until we ended up currently being foreclosed with a sale date before the end of this month, we have nowhere to go since we have quite a few pets. We rescued a few and took a couple from loved ones who passed on. I also was just diagnosed with XXXX XXXX and will be having XXXX in about ten days. I am stressed to the max and blame Bank of America for not being honest with their information in the first place, and of course the person we applied for the modification with, no longer works there. I have stacks of notes from calls I made trying to work things out and the person who was in charge of our account kept changing about every month. It has been a very bad situation from the beginning. Our credit has been ruined which also affects our getting someplace to live. I am on XXXX and my husband had to retire from his job because of his age.
Product: Money transfer, virtual currency, or money service

I am a citizen of XXXX, living in XXXX  for a year and a half. I purchased a car through the company XXXX XXXX. The purpose of my payment was to pay for the car.I am filing a complaint regarding the delay in the transfer of funds that was made on XX/XX/2023. My account number : XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, and transaction number : XXXX in the amount of {$6500.00}. The sending bank mistakenly indicated the wrong address of my residence, writing XXXX. I have been living in XXXX  for more than a year, I have a legally confirmed business in XXXX. I was approved for a residence permit in XXXX. I have a lease agreement for an apartment in XXXX. I provided all supporting documents. According to the information provided to me by the bank, the delay is due to an alleged audit. this has been going on for two months now. I am deeply concerned about this situation, as such delays can lead to inconvenience and financial losses. Without these funds, my family will soon have nothing to live on. I am afraid that my money will be stolen. Then in the bank from which I I made a payment, I asked for a refund, because the company to which I sent payment for the car changed the details. But the intermediary bank ( XXXX XXXX ) ignores requests and does not respond. I ask for your attention to this issue and solution to the problem as soon as possible. Please provide me with details of the reasons for the delay and the time required to resolve the situation. I am attaching copies of all relevant documents confirming my transfer and transaction details. Thank you for your attention to this issue and I look forward to a prompt response. CITI bank has not responded to requests from the senders bank for more than a month, completely ignoring it. My money has been under consideration for almost three months now. Because of this, my child is hungry, we are being evicted from the apartment, since I have nothing to pay for rent. Perhaps your organization can help me .I really hope. 
Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX XXXX   XXXX XXXX {$730.00} XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX {$53.00} XXXX XX/XX/XXXX XXXX* {$9000.00} XXXX XX/XX/XXXX *XXXX XXXX XXXX   {$5100.00} XXXX XX/XX/XXXX XXXX XXXX* {$650.00} XXXX XX/XX/XXXX *XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX* XXXX XX/XX/XXXX XXXX XXXX {$960.00} XXXX XX/XX/XXXX XXXX XXXX XXXX* {$53.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

Starting in XXXX of XXXX, Shellpoint the Loan Servicing Division of NewRez, started to send me notificatons about lack of insurance on XXXX properties. I have XXXX non-owner loans with Shellpoint, on all XXXX we pay the property taxes and insurance directly and never have had a impound account. I immediately uploaded the XXXX XXXX to the accounts in question. The following month I got another letter requesting same. I called the service number, they said its in process. The following month another set of letters and I had my insurance Agent upload. Eventually they placed insurance on XXXX of the properties. After more calls and 3 more uploads they finally removed the forced placed insurance on 2 of the 3 properties. The XXXX XXXX XXXX XXXX, I finally got a letter in XX/XX/XXXX stating that the forced placed Insurance was canceled and the insurance I provided was adequate and in force from XX/XX/XXXX to current. 

Unlike the other XXXX properties, the loan statement on this loan continues to show a {$1200.00} " escrow balance ''. I have made 3 payments since the acknowledgement that forced placed insurance was implemented in error. On the last XXXX payments, Shellpoint would not accept my payment unless I paid another {$120.00} for the phantom " escrow account '' balance. The representatives I speak to each time say that I need to send letters to the " servicing '' department and only that department can clear it up. I am not allowed to speak directly to the " servicing department ''. Meanwhile Shellpoint is extorting {$120.00} from me just to accept the {$1800.00} regular payment. I have to call in and manually make this extra payment, otherwise I will get a 30 day late payment on my crdit. In essence they are ignoring all my request to properly account for fraudulent statement they are sending. 

This is a classic case of a automated system gone awry. They have peppered me with notices for over XXXX months and Shellpoint either woefully understaffed or just refusing to respond in person and clean up the mess they created. I have spent the last 8 months with multiple calls, uploads, letters and I am at wits end to get this resolved. I need your help to compel Shellpoint to respond with a qualified staff member in a reasonable time frame.
Product: Money transfer, virtual currency, or money service

I have a COINBASE account in which I transferred XXXX from my bank account directly to their XXXX bank account ( details as provided by the coinbase app payment screen ). This was over 3 wks ago ( XXXX XX/XX/2018 ). 

The bank has confirmed that the money left my account and went across. 
The money should go into my coinbase account and should clear in 2-5 working days. However it still does not show and COINBASE are refusing to respond to my queries or look into the matter. I have sent 3 or 4 emails over the last few weeks to little response. They sent me a holding reply 2wks ago saying they will look into the matter ( a one liner ), but have not yet done anything about it. I am now down XXXX and a XXXX bank charge. 
Coinbase are supposed to provide crypto currency services but all they have done so far is stolen my money.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX XXXX   someone hacked into my mobile app through Chase and deposited 6 checks into my account four of them only had my first name on them and they were endorsed by a man 's name and this person was not on my bank account Chase went ahead and accepted them never notified me with a fraud alert the same day the hackers went back into my mobile app and disputed four of my car payments Chase went ahead and reversed all four of them never notified me with a fraud alert then the next day the hackers went back into my mobile app and disputed 9 of my XXXX XXXX XXXX XXXX Chase went ahead and reversed all night still no fraud alert that evening I called Chase customer service to ask about my direct deposit through my employer customer service asked me if I was the one that made all those reversal request and deposited those checks I told him no I did not Chase went ahead and froze the account I went in the next day to the branch close the account and opened another account Chase went ahead and told me the account was not closed they restricted it then I received a direct deposit on XXXX XXXX XXXX XXXX XXXX from SSA and a direct deposit with my employer on XXXX XXXX XXXX XXXX Chase went ahead and kept those direct deposits and made me pay for the fraud Chase told me that the deposit done on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was returned they gave me a Trace number to give to my employer she Trace the return my employer went ahead and traced it and told me that it was never returned Chase has not credited that deposit it was deposited on XXXX XXXX XXXX XXXX I was told that all those reversals we're going to be sent back to my car lender company the name is XXXX and XXXX credit card company XXXX at the chase executive office that they were sent back I have been on the phone with both of the companies and they were never sent back Chase went ahead and closed my account once those two direct deposits were made never notified me of closing my account because of them taking my Social Security SSA payment and my direct deposit with my employer I could not pay rent so I got evicted from my apartment she still has not credited my account for that direct deposit for my employer deposited on the on the XXXX XXXX XXXX I have been on the phone with them everyday it has been over 60 days since this has happened it's affected my life because now I'm homeless this stress of talking to them everyday every time I speak to somebody in the claims department at Chase I'm being told different things every time the stress has caused XXXX XXXX  and I want this problem resolved
Product: Credit reporting or other personal consumer reports

I did not authorize these inquires. Please remove these inquiry immediately. XXXX XXXX PULL ON XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX PULLED ON XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX PULLED ON XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX PULLED ON XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, XXXX ( Acct # XXXX ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in Direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

This housing complex is saying that I owe them money for an apartment I never resided in, or resided in the state of North Carolina I applied for XXXX XXXX got approved on line in North Carolina I gave it to XXXX XXXX XXXX  they took rent money from North Carolina XXXX XXXX XXXX program for over 12 months on my behalf knowing that I was not there and never resided there and once XXXX  XXXX found out about how they scammed the state for that money they had to give it all back to the state and now are harassing me and threatening me falsely for money that I dont owe them there messing up my credit badly please help me do I need an attorney please help me
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX and I have been a customer of cashapp for almost 3 years I have made many attempts to contact them and have not received anything substantial from them I have attached my account transactions. I want to know where my money is being held and why I cant ever purchase anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

called bank to inquire about rates, then they ran a credit inquiry & called it a mortgage application, but I never made ANY credit application of any kind. I called them & told them I saw their mistake. They promised to remove it from my name & sent me a letter detailing that it is their mistake & that I never made any sort of application. They said it could take up to a month for it to disappear from my credit report. It has been 1- 1/2 months & it's still there, on my record. I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

No response, at all.
Product: Student loan

Here are a few ways in which AidVantage has violated my rights under the FRCA : 1. Inadequate Investigation of Disputed Information & Non-Compliance Within Time Limits According to the FRCA, If a consumer disputes the accuracy of information on their credit report, the CRA and the entity that furnished the information ( such as a creditor ) must conduct an investigation within 30 days or it can lead to liability under the FCRA. Not only did AidVantage not catch XXXX inaccuracies on my consumer report, the company failed to conduct a proper investigation within 30 days from the day I initially requested a full and proper investigation. I initially requested an investigation in XXXX of XXXX  AidVantage did not reach out to me with the results of their investigation until XX/XX/year>. 

The investigation done by AidVantage was inadequate, inaccurate and haphazardly conducted. Various AidVantage representatives told me different stories over the course of me calling their offices since XXXX of XXXX The stories changed, agents stated that they didn't have the information needed and told me incorrectly to call XXXX. One Supervisor stated that XXXX filed the paperwork wrong. There were so many inaccuracies and fallacies associated with this botched investigation of my alleged late payments. 

2. Knowing Non-Compliance AidVantage knew full well that XXXX had a history of non-compliance and reporting incorrect information on consumer files, yet they failed to do their own internal investigation prior to me having to notify them that the information on my credit report was inaccurate. 

3. Failure to Provide Consumer Notifications XXXX and AidVantage failed to provide me with a notification of when the negative information was to be added to my credit report. According to the FCRA, failure to notify consumers when adverse information has been added or when an adverse decision has been made based on their credit report is a violation. Under Sections 1785.11.8, 1785.19, and 1785.19.5, and of the obligation of the agency to provide disclosure of the files in person, by mail, or by telephone pursuant to Section 1785.15, including the obligation of the agency to provide a decoded written version of the file or a written copy of the file with an explanation of any code, including any credit score used, and the key factors, as defined in Section 1785.15.1, if the consumer so requests that copy. The disclosure shall be provided in the manner selected by the consumer, chosen from among any reasonable means available to the consumer credit reporting agency. 
Please investigate this matter and correct the disputed information on my credit report. In addition, please send me written confirmation that the correction has been made or explain why the information has been verified as accurate.I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and with the Department of Education,. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days as required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 ; I filed a formal dispute with Experian 's fraud department in reference to items that are being reported in my credit report. I disputed a public record stating a bankruptcy, a fraudulent account opened with XXXX XXXX XXXX XXXX  and an incorrect balance with XXXX XXXX XXXX XXXX.

I disputed the bankruptcy public record because I became aware that any bankruptcy filing made in the XXXX Circuit Court jurisdiction with personal identifying information such as a social security number, date of birth and current mailing address is made under judicial seal. Experian obtained personal identifying information, that is still under seal by the court, and published it illegally on a credit report. I spoke at length with the Clerk of the United States Bankruptcy Court and was told that under no circumstances that personal identifying information is released to third parties because of the risk of identity theft and fraud.

I brought this information to the attention of Experian 's fraud department and disputes department on XX/XX/2018 at XXXX. Experian denied obtaining the information contained in the report themselves but through a third party vendor because its a public record. I requested the name and contact information of the vendor and they denied my request. On XX/XX/2018 at XXXX ; I spoke with Experian again through their special handling department and again reiterated the position that information was public record, to which I stated that personal identifying information is not public record especially information under judicial seal. I again demanded the vendor information and was lied to that the court not a third party vendor supplied my personal identifying information in violation of the judicial seal.

The other issues with Experian involve improper fraud investigation of disputed information including the XXXX XXXX XXXX XXXX dispute and XXXX XXXX XXXX XXXX   dispute. Experian completed the dispute investigations without properly verifying the information disputed and leaving the information unchanged as accurate.
Product: Debt collection

I don't recall having a contractual relationship with this collection company THE BUREAUS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the unverified inquiries in my credit file ; however, there are still many inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX 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 or other personal consumer reports

Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.
Product: Credit reporting or other personal consumer reports

the credit bureaus equifax and XXXX failed to conduct proper investigation on a collecection and and accounts they didint validate the debt according to the law. 
di not provided me with a copy of ANY documentation to the original creditor, not verification from a third-party database.
Product: Debt collection

This collection agency is trying to collect funds that are not correct. I only owe utilities which is XXXX. I cleared this up with property management they sent me official documents of my move out statement and also stated that they were sent to GENESIS COLLECTIONS also and not sure why they are trying to collect funds ( $ XXXXeveryday interest ). I asked him could he please provide me with the new amount so I can pay. He stated no and I need to pay full balance when I provided them the paperwork saying I dont owe that. Complete scam and using their power to obtain funds.
Product: Credit reporting or other personal consumer reports

Its 10 inquiries on my XXXX report please remove unauthorized transactions misleading information and denying access
Product: Debt collection

Today XX/XX/2023. I see a derogatory mark on my credit report. 
Company : Debt recovery solutions XXXX : {$3700.00} XXXX XXXX : XXXX XXXX XXXX.