23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased my home back in XXXX during that time my 2nd mortgage has exchanged hands. The last known mortgage company was back in XXXX by XXXX, when I filed bankruptcy and unknown to me it seems this was no longer something you can file bankruptcy on. I reached out to my 1st mortgage company to refinance back on XXXX and that is when I found out there was a lien on the second mortgage which was owned by Sortis. Since the bankruptcy I never received any communication from XXXX or Sortis regarding the sale of the loan including any information regarding my debt obligation. In XXXX I contact Clear Spring Loan Servicing that was handling the loan for Sortis to see if we can settle or come to some sort of agreement and Clear Spring indicated the amount I was offering that the investor would not take my offer. At no point in time did they discuss options with me and phone communication had ceased. In XX/XX/XXXX, I received a notice finally from Sortis that the loan had been sold to XXXX XXXX XXXX. Comes to find out during these last XXXX years the loan has accumulated interest and late fees that totaled up to {$80000.00} on top of the loan itself. Now XXXX XXXX XXXX is claiming the principal obligation and the interest and late fees. In my opinion XXXX and Sortis have violated my consumer rights, I was never given any opportunity to discuss options back in XXXX to now and now forced to pay {$80000.00} in interest and late fees. I find this very unfair to me as a consumer and according to XXXX XXXX XXXX that was unfortunately out of their control.
Product: Credit reporting or other personal consumer reports

Equifax ignored consumer documents and evidence submitted with disputes, allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers about the results of its investigations
Product: Payday loan, title loan, or personal loan

on XXXX XXXX i contacted wellsfargo to advise them i was unable to make payment and request a defferment based on lossing my job due to the natural disaster in florida that bankrupt and closed mywork place. i was told i was granted the deferment and would need to make payment on XX/XX/2023. however they still went and filed a 30 day late on my credit siting that i was denied the defferement on XX/XX/2023 in which i only learn of this on XX/XX/2023. I am not working and wellsfargo now states i owe XXXX and I am not working and they refused to remove the late when i was never told i was denied the defferement and recieved no indication I was late. the reporting has cost me my credit to drop XXXX points now causing me more financial damage.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX XXXX, went into your branch XXXX XXXXXXXX to initiate a wire transfer for {$1200.00}. When XXXX XXXX arrived at the bank, all the employees were with other customers, so XXXX XXXX waited patiently. The manager of this branch, XXXX XXXX, came out from behind a closed door and offered to help, but when he found out what XXXX XXXX needed, he stated that he doesn't do wires that often, but that he would help him. XXXX XXXX stated that he didn't mind waiting for another employee to become available, but XXXX XXXX insisted. XXXX XXXX asked XXXX XXXX how much he wanted to send, XXXX XXXX stated {$1200.00}. XXXX XXXX, also repeated the amount of {$1200.00}, but then stated that he needed to get someone to approve the wire transfer. Once the person approved the transfer, XXXX XXXX asked XXXX XXXX to verify that the account number for the receiving party was correct. They then completed the transaction and XXXX XXXX handed the receipt to XXXX XXXX. XXXX XXXX NEVER asked XXXX XXXX to verify the amount. After XXXX XXXX returned home for the evening, he handed the Wire Transfer receipt to his spouse, that's when they both noticed that {$12000.00} was sent!!!! Not {$1200.00}. 

The following day, XXXX XXXX and his spouse went to the branch to talk to XXXX XXXX and get this wire fixed and the correct amount sent. XXXX XXXX stated in front of XXXX XXXX, his spouse, and XXXX XXXX, that he sent $ XXXX. XXXX and I then showed XXXX XXXX the wire transfer receipt. When XXXX XXXX looked at the receipt and all he said was " No I sent {$1200.00} just like you said '' and once he realized the amount XXXX XXXX then stated " that's my bad '' and then ran off behind the door, a closed door that XXXX XXXX and I observed other employees exit and enter the bank 's main floor. XXXX XXXX then contacted your wire department to see if the wire can be recalled. Here is the reference # XXXX XXXX gave us XXXX. XXXX was also given a complaint ID # XXXX XXXX. XXXX XXXX and I were told that it could be anywhere from 1 to 6 weeks to get this resolved.XXXX  XXXX tried calling customer service to get updates, but was told that we needed to go to the bank to get an update. 

After returning to the bank the following Monday, XXXX XXXX and his spouse were told that the receiving bank ( XXXX XXXX ) where the wire was sent, acknowledged the recall, but that they needed to do their own investigation. In the meantime, XXXX XXXX reached out to the receiving party, and they acknowledged that too much was sent, and that they were gon na send the overpayment back, but has since stopped all communication with XXXX XXXX. 

We were just told on Thursday that XXXX XXXX  declined the recall, this is why I am reaching out to you to get this matter resolved as soon as possible. XXXX XXXX was told that XXXX has been assigned this case # XXXX and can be reached at XXXX XXXX XXXX. 

XXXX XXXX can be reached at XXXX and is eagerly waiting for your call. 

Thanks
Product: Debt collection

I requested debt validation including a copy of the original contract but only received a copy of an account statement.
Product: Checking or savings account

Im not sure what number email I am on. I have been dealing with a fraud case since XX/XX/XXXX that needs to be resolved and get me my money back. I have spent HOURS on the phone. I have escalated it, spoke with them, escalated it above that wanting a supervisors contact info. They could not give it out so she left me a voicemail and I have left her numerous messages with no response. Her name is XXXX XXXX. I notified the CFPB, federal reserve, and a few others. I was contacted by somebody stating my case had been sent to an escalation resolution specialist, her name is XXXX XXXX. I was told she was REQUIRED to contact me by XX/XX/XXXX, which of course never happened until I sent another email then got a call a few days later stating she had been out of the office and it was still being looked into and they would have resolution for me by XX/XX/XXXX. I STILL have not heard anything and it is XX/XX/XXXX I have left her 2 voicemails and nothing. The whole problem has been communication. I WANT MY MONEY.
Product: Credit reporting or other personal consumer reports

I requested a copy of my free annual credit report and there was accounts that didnt belong to me its stopping me from purchasing a home for me and my family its causing me great stress that I cant purchase a home so I contacted my bank for them to freez all my accounts until further notice
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct this account : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I understand that XXXX, XXXX and TransUnion should all have the same information concerning my credit profile. There are several accounts listed with Transition as opened but closed on XXXX and XXXX. Also, there are accidents posted with XXXX don't even appear with XXXX or XXXX. I would like for TransUnion to rectify those descrepancies within 4days as stated in 605b.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Member Number : XXXX DOB : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, Nebraska XXXX XXXX : Dispute of Unauthorized Hard Inquiries on Credit Report. 
Dear XXXX  Customer Service, I am writing to formally dispute some hard inquiries that were placed on my credit report by XXXX  on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ; This inquiries were related to a pre-approval application for a credit card and a car loan. Since I was only seeking pre approval, I did not expect or authorize any hard inquiries to be conducted on my credit report, as this type of action is typically not required for preliminary evaluations.These hard inquiries are currently affecting my credit score, which I believe is unfair given the circumstances and can affect me for future credit application. I request that XXXX immediately remove these hard inquiries from my credit report as they were neither authorized by me in the context of a simple pre-approval nor were they necessary. 
Also I dont know if you are aware but in the pre- approval application page It clearly says that it will only be a soft pull and WILL NOT affect my score ( see document attached of the application page ) Please confirm in writing when this hard inquiry have been removed. If you require any additional information from me, feel free to contact me at cell phone number XXXX or email me at XXXX Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have found several bad/unknown addresses on my credit report that do not belong to me. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please delete/remove any other address from my file they are not correct : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX, XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX My name is XXXX XXXX XXXX. 

Please delete the following names : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, I have a XXXX XXXX XXXX withdrawal issue with coinbase.com. I initiated the withdrawal on XX/XX/XXXX. More than 3 weeks later, the payment is still pending ( see attached screenshot ). I contacted coinbase 's support - Case ID : XXXX - and received the following response on XX/XX/XXXX : " XXXX XX/XX/XXXX XXXX Thank you for contacting us about this. We have confirmed this to be an issue with our system and are working to resolve it as soon as possible. Your case has been recorded for review by an expert. Thank you for your patience in the meantime we will be in touch again as soon as we have an update. '' I replied multiple times asking for an update or estimated resolution time and got no answer since then. Please note that my coinbase account is fully verified and that past XXXX payments went through successfully. Thanks a lot for helping
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland credit management has continued to threaten to sue me if I dont pay a debt which is against the law. I have disputed the debt many times as it is more then the original debt I owed to the company where the debt originated. 
The amount they say they owe is XXXX I received this letter on XX/XX/21. They have spammed me with phone calls despite the fact that I have told them to stop calling me. They call me on my work phone and have even contacted family members of mine.
Product: Credit card or prepaid card

there was a credit balance on my XXXX XXXX XXXX XXXX I told American express to transfer XXXX XXXX XXXX credit balance to my American express XXXX XXXX, after several calls my credit balance from XXXX XXXX XXXX  card was transferred to XXXX XXXX card but a debit balance was also entered in XXXX XXXX XXXX XXXX card ending in XXXX Several calls and online messaging has been done, but to no avail. 

Service is ridiculous. 

take a very long time to take action.
Product: Debt collection

I recently received an email from Jefferson Capital LLC, notifying me that they are now the owner of a previous Badcock credit account associated with my name. However, I would like to clarify that this debt was fully paid off through the XXXX XXXX XXXX and was settled for {$580.00}. The confirmation number for this settlement is XXXX, and it was associated with account number XXXX. 

Additionally, my credit report indicates that the account was marked as paid and settled for a lesser amount on XX/XX/2023. 

Given that the account has been settled and paid in full, no further collection efforts should be made regarding this Badcock credit account. Please update your records accordingly.

Thank you for your prompt attention to this matter.
Product: Mortgage

We jumped through all the hoops to receive a forbearance after I lost my job during covid and my husband was laid off. Went through their employment service and got a great job. Started the workout process for our loan to avoid paying all the back payments missed during forbearance. Received workout option. Had to be notarized and returned in 14 days had it back in 7. Tracked that they received it and called numerous time. About 3 weeks later they said they never received our notarized paperwork. Now we received a letter that we did not meet the terms of our work out option, but we did. And now we just received a rapid foreclosure letter. The only people that will talk to us are first line phone answers. We have to repeat everything every time. Then they try to get us to start the process all over again. We want our paperwork recent so we can pay another {$120.00} ( we should not have to ) to renotarize. This time we will not use their return label, but have a courier delivery.
Product: Bank account or service

I would like to submit a complaint against Bank of the West for how they process checking account transactions. I had a debit card transaction of XXXX that was pending over a weekend my account at that time had the funds. Then on Monday an individual cashed a check that I gave them in the amount of XXXX. On Monday night there was a XXXX in my account plus a deposit I made at an atm machine in amount of XXXX but was n't until after business hours. On Tuesday the bank charges me XXXX overdraft fees they processed the check first which was the higher amount which put me at a negative balance then processed the debit transaction after that causing XXXX over draft. My complaint is the debit card was sitting on pending way before a check was even processed but yet the higher amount transaction got processed first. When I asked my bank they told me that they determine which is more important and process that first. I asked them how they determine which one is more important and I was told by bank manager that they go by the higher amount in determining which one is more important. What even give them this right to determine which is more important of a transaction and if this was the case why was n't the check cashed before all my other transactions that were pending over the weekend which were all much lower then the check amount of XXXX. I will not argue against having XXXX over draft fee but I am furious that they could arrange the order of my transactions being processed. To me what ever gets posted to your account first should be processed first not whether or not a branch manager thinks XXXX transaction is more important then another transaction.
Product: Debt collection

I am writing to address a serious issue that has arisen subsequent to the formal transfer of ownership of XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX to XXXX XXXX XXXX in XX/XX/2023. As per our agreement, XXXX XXXX assumed exclusive ownership and full accountability for all associated business responsibilities, including debts and financial matters. 

Regrettably, despite this transfer of ownership, I have encountered substantial complications. XXXX XXXX has continued to incur business-related credit obligations in my name, disregarding the terms of our agreement. Efforts to secure legal indemnification through my legal counsel have been met with complete non-responsiveness from XXXX XXXX. 

The situation has escalated to the extent that I am now receiving bank statements and demands for payment related to accounts and credit cards that are no longer under my ownership or responsibility. Moreover, XXXX XXXX has utilized my name for personal expenses, unrelated to the business, including meals and travel charges. To exacerbate matters, he has closed the account without settling the outstanding debt, leaving creditors pursuing me, as I was the primary account holder before the business transfer. 

Despite continuous attempts to communicate since XX/XX/2023, XXXX XXXX has failed to respond to any outreach from myself or my legal representative. This lack of cooperation and communication impedes my ability to rectify these financial discrepancies and fulfill the agreed-upon terms of separation from all business affairs associated with XXXX XXXX and XXXX XXXX XXXX. 

I am urgently seeking resolution and legal separation from XXXX XXXX, as mutually agreed upon in our transfer agreement dated XX/XX/2023. My primary objective is to disentangle myself from any ongoing business affairs and associated debts. I implore your immediate attention and assistance in facilitating a swift and equitable resolution to this distressing situation. 

Please consider this matter with the utmost urgency and provide guidance on the appropriate course of action to achieve the desired legal separation and resolution of outstanding financial liabilities.
Product: Debt collection

Im not aware of this debt I didnt have opportunity to dispute this debt because I did not receive proper notification. Please send me the certified mail receipt with my name on it.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think illegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit card or prepaid card

As of XX/XX/21 I'm receiving spam calls on landline phone. Message says that my Amazon charge card has been charged for $ 700+ dollars for items I did not purchase and directs me to select the numeral 1 for more information. I did not press the phone link. I did check my Amazon account information and there are no charges for items I did not make. I don't know what would happen after pressing " 1 '' and do not want to find out. I have received 3 of these calls today. Phone numbers the calls are coming from is " XXXX and XXXX.
Product: Mortgage

We had our mortgage thru American Financial Resources and was paying {$1900.00} on XX/XX/XXXX our new statement went to {$1600.00}. In XX/XX/XXXX our mortgage was sold to XXXX XXXX XXXX and payment remained the same {$1600.00} until XX/XX/XXXX we received a letter from XXXX XXXX XXXX stating as of XX/XX/XXXX or payment was going to increase to {$2200.00}, unless we paid a shortage of {$4000.00} plus add PMI back on which would still have our payment go back up to {$1900.00}. We had no clue what was going on so we called XXXX XXXX & they said there was a shortage on our escrow which they paid when they took over loan in XX/XX/XXXX, so we then called American Financial Resources and they acted as if they had no clue as to why, then after several attempts to talk with someone concerning our loan they said there was a computer error back in XXXX that dropped our PMI and lowered our mortgage payment so for a year we paid what was in our statement each month from American Financial and also XXXX. In XX/XX/XXXX we paid XXXX the {$4000.00} plus took our mortgage payment from {$1600.00} to {$1900.00}. We was told by both mortgage companies there was nothing we could do nor was either willing to work with us on a problem on there behalf. Is there anything that can be done about this?