23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage on my home, Wells Fargo acquired the mortgage from XXXX XXXX XXXX. The payment is due on the XXXX and late on the XXXX. I usually pay in advance. I mailed my XX/XX/XXXX payment on XX/XX/2018. The bank received it and processed it through my bank on XX/XX/XXXX. My checkbook journal says I wrote it for the right amount. Wells Fargo says the payment was short by {$100.00}. I can not verify this as the method Wells Fargo uses to process the check, something like a debit card payment according to my bank, means I can't get a copy of the check. Wells Fargo placed the entire payment in " unapplied funds '' on XX/XX/XXXX. Wells Fargo made no attempt to notify me of the alleged {$100.00} shortfall. On XX/XX/XXXX, the day after the past due date, Wells Fargo declared the entire mortgage payment past due and assessed a late fee of {$57.00} ( 57.97 % of the {$100.00} 's past due for 1 day. ) On XX/XX/XXXX Wells Fargo notified me by e-mail that the payment was past due and the late fee. I went to the bank on XX/XX/XXXX and paid the {$100.00}, the late fee was allegedly removed but it still showed on the account today, XXXX. I can not believe it is legal for the bank to hold my money and not notify me for 24 days so that it can assess a late charge, ding my credit and make it harder to get rid of them once and for all. Wells Fargo has my address, my e-mail address and my telephone number!
Product: Money transfer, virtual currency, or money service

Im filing this complaint against CoinList.co on the grounds of lack of communication and poorly placed importance for my personal financial account by the company. 

I have been locked out of my account when I transferred near around {$310.00} of bitcoin to CoinList pro. Once it redirected me to CoinList Pro it required me to sign in. At which it excepted my username and password but I asked for a six digit authentication code that I have never received. Also it stated that if I did not have access to the six digit authentication code to simply use one of my back up codes found in the coin list app which is where I conduct most of my trading. 

However of these 10 codes are used three, each time seeing that code 1 my one being crossed off and saying an error has occurred, please try again. Out of fear of losing my account forever I logged completely out hoping that when I re-logged in it would provide me with the six digit authentication code. 

So now Im completely logged out of the app Ive never been granted access to the website and now I no longer can access my back up codes because when I try to log into the app now its asking me for the same six digit authentication code. The back up codes are saved in my app, I tried to re-register using the same email and coin list exchange recognizes that Email and says that it is already been used.

According to their website under the contact mecategory, they stated to allow Coinlist.co five days to respond due to the unusually high volume of messages being received. 

We are now going on two weeks and after several emails which I have attached as supporting documents, I am yet to hear a single reply from CoinList.co and Since have missed a few opportunities to have my money make me money which I do buy taking one cryptocurrency such as UNI and converting it to bitcoin while bitcoins on the rise then before it falls converting it back over to another cryptocoin or Altcoin Registered on Coin list.co. 

Altogether when I was locked out of my account I had roughly {$1300.00} in there since I couldve easily made that into XXXX or even more therefore I need this handled with the upmost urgency and Discretion. Thank you so much for helping me in this matter please reach me at XXXX or by phone at XXXX
Product: Mortgage

I went to my PNC branch to payoff my home equity loan- {$21000.00}. The monthly payments have been deducted from my checking account at PNC and the balance in my account was more than enough to payoff. I was told they could not accomplish this transaction there and I would have to send a check to PNC in XXXX. I called the main office of the bank in my city and was told again I would have to send the check even though I offered to personally go to the main office. I insisted that the person on the call consult with others to verify this. It is dangerous to send a check in view of the risk for theft. Also if there is a delay with the mail I would be billed for extra interest. These events occurred on XXXX.
Product: Credit reporting or other personal consumer reports

I request that Experian investigate the following account XXXX # XXXXXXXX XXXX. Previously disputed by me with Experian report # XXXX and dispute results were no changes on my credit report. ( see attached report results ). This is a formal complaint that Experian is reporting inaccurate and incomplete credit information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest and I have enough expenses as it is.
Product: Mortgage

Attempting to work a short sale for my property with Wells Fargo XXXX WF XXXX. Filed previous complaint XXXX case number XXXX ) and WF response was, " Be advised that when it 's been determined an account is eligible for a short sale and a signed offer is received, an appraisal or Broker 's Price Opinion is ordered. We 'll then research and review the offer. After all required information and approvals are received ; the short sale decision will be communicated to you within 30 days. " We have had a contract since XXXX 2015, WF just keeps asking for bank statements, then they say I do n't qualify, that I can afford the payments, now they say the offer is too low but will not respond with a price range of what the offer should be. 

The issue is, that I ca n't sell the house for what I owe on it, which I am told is considered a Short Sale. WF does not seem to use the same definition though. The current buyer has been waiting for 5.5 months. WF has stretched this contract out until XXXX. I am going to lose this buyer too because of WF 's stalling tactics. 

We have provided all documents requested within 1 business day in every instance. If WF has a different definition of a short sale, then they should have stated it up front and never let this go on this long. We have been up front and honest with them all the way. 

I was paying the mortgage up until XXXX. I was told at that time, that they could n't even consider a short sale unless I was 31 days late. If I ca n't sell my house for what I owe on it, why does it matter if I am paying the mortgage or not?
Product: Debt collection

Kickoff says I owe them something and its supposed to be a credit builder instead my credit has dropped because of it
Product: Debt collection

Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 


The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
1. THD/CBNA acct. # XXXX bal. {$5500.00}
Product: Mortgage

URGENT MATTER - CASE PENDING IN COURT - LITTLE TIME TO ACT BEFORE BANK TAKES UNDUE MONIES UNDER THE CONTRACT. 

Parents Passed away 69 days apart XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
House Transfer On Death Deed to me. 
Mortgage company would not confirm me as XXXX for 10 months, and 1 month after foreclosure filed. 
Fire at property occured XXXX. Partial loss. 
House secured and locks changed XXXX at 95 days past due. no foreclosure filed. 
Asset Management company people took personal property in excess of XXXX XXXX destroyed other property inside the home. Allowed one cat of 4 to starve to death by locking house up so they could not be cared for. 
Insurance funds twice what was owed were submitted to Mortgage Company XX/XX/ With my name on check, but still not Confirmed XXXX 
House remediation started by me, Mortgage service took 6 months to pay contractor, no one else would accept the project after word got out. Plus foreclosure filed before contractor paid. contractor declined to continue. 
Bank that filed for foreclosure 40 days late on 60 day limit of answering discovery ( 30 allowed, 30 day requested extension ). 
Bank has now filed for Motion to Dismiss with Prejudice under the absurd opinion that since the original borrowers passed away, the property was abandoned. 
Only taking that position because they say that the Successor does not have the right to enforce the contract under the same Covenant that they are trying to enforce where it says that the Sums secured are to be reduced by and equation provided when FMV of the property is equal or greater than the sums secured. 
hence the Bank is trying to take more money than owed from the miscellaneous proceeds in the amount of XXXX XXXXXXXXdepending on what the actual FMV of the property would be determined as, thus leaving me with a partially destroyed home that has been allowed to deteriorate and be robbed, vandalized multiple times by agents of the asset management company.Ultimately, leaving me with a devalued property and no means to remediate it and recoup the additional {$78000.00} from the insurance company that is being held as recoverable depreciation. My lawyer is abandoning the effort after the hearing next week to argue the basis of the dismissal that Borrowers Death does not constitute Abandonment since it is the act of a Natural living person to abandon something, like he is doing to me. I have been unsuccessful in this rural area to find alternate council and if the motion passes then I am sunk. There is more, but the CFPB rule 1024.30 ( d ) allows for the confirmed successor, me, to be treated as the borrower. Furthermore, the Regulation X outlines the steps and timelines for confirmation of the successor, which the servicer clearly did not follow. I have proof to back everything here up. This is NOT A JOKE!!! I need urgent assistance.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX with 1STprogress has violated my rights. 

15USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account XXXX has violated my rights.

15 USC 1681 Section States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.
Product: Prepaid card

I am writing to formally document and raise significant concerns about the repeated mishandling of my account by Bank of America Consumer Payments Prepaid Card Services. Over an extended period, I have diligently provided ample evidence in support of my case, complied with all guidelines and procedures established by Bank of America, and acted in good faith to address a series of errors and unjust actions taken against my account. Despite my compliance and the extensive evidence I have submitted, I have been treated unfairly, and my claim has not been adequately compensated. Furthermore, I understand I am not the only customer who has faced these issues, a fact underscored by the Consumer Financial Protection Bureaus ( CFPB ) mandate that required Bank of America to compensate customers for previous mishandlings. 

Background and Evidence Submission Following the CFPBs mandate, Bank of America issued compensation to affected customers, acknowledging past discrepancies. However, the compensation issued to me was significantly lower than what I, based on my evidence and calculations, am entitled to receive. To illustrate this, I submitted a detailed request for additional compensation, totaling {$23000.00}. This request was substantiated by extensive documentation, including receipts, letters, and other relevant records that align with Bank of Americas own stated guidelines for acceptable proof. My calculations were transparent, thorough, and in strict adherence to the compensation policies communicated by Bank of America. 

Despite presenting this extensive documentation twice, my request was arbitrarily reduced to a fraction of the actual amount owed. I received an additional amount of approximately {$600.00} ; however, Bank of America then deducted a prior compensation payment, further reducing the amount to {$220.00}. This decision was accompanied by a notice indicating that no further appeals could be made, with legal action remaining as the only recourse. 

Inadequate Review Process and Insufficient Compensation Bank of America engaged a management company specifically to review cases where customers believed they were entitled to additional compensation. This structure was presumably established to ensure fair and transparent resolution of claims. Nevertheless, in my case, the review process failed to account for the clear and irrefutable evidence I provided, which adhered to all of Bank of Americas documentation and proof requirements. 

The oversight, or disregard, of my documented claim raises serious concerns about the fairness and transparency of Bank of Americas review process. My request was thoroughly substantiated with receipts, records, and calculations meticulously compiled according to Bank of Americas specified standards. It is deeply concerning that, despite following the mandated process, my legitimate claim was minimized to an insignificant fraction of the total owed. This disregard reflects a failure on the part of Bank of America to honor its commitment to fair compensation, even after the CFPBs mandate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TransUnion have not processed my dispute in the last 50 days. They are now in violation of several different FCRA codes.
Product: Credit reporting or other personal consumer reports

The contract related to this account is unverifiable and or has been paid off by insurance and I am not liable for any third party collection agencies.
Product: Checking or savings account

XXXXXXXX XXXX XXXXXXXX fraudelty deceiving reversal to use my money into principle and interest to deliberately sabotage my credit. She has been embezzling money out my account and petray reversal
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says Equifax, XXXX, and XXXX is a furnisher of information to a consumer reporting agency. 
Equifax, XXXX, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Equifax, XXXX, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This account is past the statute, this collection agency is trying to say it was charged off XXXX which is not accurate. I have n't had a XXXX XXXX account is 8 years. They sent a statement as validation showing XXXX past due amount {$1200.00}, the account had to be past due a long time to have a minimum payment this high. What I received is not validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to remove the unverified Public Record-Bankruptcy from my file. Transunion advised they verified a Bankruptcy associated with me with the XXXX District of Georgia Bankruptcy Court. I have documents supporting that is incorrect and not the truth as they do not provide information to credit reporting agencies. This bankruptcy belongs to someone other than me. I have no association with the Bankruptcy and Transunion has failed to provide any documentation associating me with the bankruptcy. Transunion is well aware they are in violation of the FCRA to delete inaccurate and unverifiable information within 30 days.
Product: Money transfer, virtual currency, or money service

Someone pretended to be XXXX and had Me Zelle them {$990.00} And then another incident someone pretended to be selling XXXX puppies and scammed me out {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Date opened XX/XX/XXXX XXXX XXXX app Additional information Account is in violation 15 usc 1681a Account opened and past due as of XXXX XXXX which is failure to report complete and accurate information. Showing a past due balance on a XX/XX/XXXX as XXXX with XXXX and the balance with TransUnion account is not showing with XXXX at all and XXXX shows open past due XXXX which has a balance of XXXX this is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 I am Also attaching the inconsistencies in the payment history XXXX open past due XXXX which has a balance of XXXX this is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 updated XX/XX/XXXX XXXX shows no account at all TransUnion Showing a past due balance on a XX/XX/XXXX as XXXX with XXXX and the balance with TransUnion this is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 I am Also attaching the inconsistencies in the payment history All three were updated as of XXXX and XX/XX/XXXX Each affect by FCRA LAW does not SHOW COMPLETE ACCURATE AND CONSENT I have given 30days for the investigation to properly be done and i do not believe it has been done and now I am DEMANDING THE ACCOUNT TO BE DELTED AND I WILL SEEK TO EXCERISE MY RIGHTS TO FILE XXXX TO SEEK DAMAGES UP TO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX  Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$8800.00} XXXX  XXXX Inquired on XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX for some reason you will not allow XXXX to speak and apparently have unclean hands. Admit tell the truth that I were granted clear title and a title commitment under loan no. XXXX? 


Don't Lie before the eyes of the Consumer Financial protection bureau.
Product: Debt collection

Caine & weiner has been deleted and they recently sold it to a debt buyerand a charge off does not supposed to have a balance and its showing one please delete this immediately..
Product: Debt collection

I have reviewed a copy of my consumer report recently and noticed there are several debt collection agencies reporting a debt that they have not validated and are reporting without my written or oral permission. There is not contract nor agreement between myself and these companies. Their unfair reporting practices have caused me significant damage recently. These errors and unlawful practices need to be corrected and all misleading and unlawful information on my report needs to be removed immediately per federal laws ( Fair Debt Collection Practice Act ) : 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 15 USC 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 USC 1692g ( a ) I received no notifications via mail about the validity of this debt 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. If the company in question can not provide an original, " wet-ink '' signed contract or agreement between me, XXXX XXXX , the consumer, and their company named as Creditor, the debt is invalid and therefor unlawfully permitted to be collected upon and most certainly can not be furnished on my consumer report.