23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is in response to Select Portfolio Servicing , INC. ( SPS ) CFPB response to complaint XXXX, dated XX/XX/XXXX. I have several issues/concerns with this response. 1- SPS never addressed the illegal trespassing on private property. 2- SPS 's alleged validation of debt is unacceptable. SPS is a servicer and/or debt collector. SPS is not the alleged note holder and has yet to provide any documentation from the alleged note holder providing proof of their security interest ; i.e. assignment documentation. 3- In the Broker 's Price Opinion ( BPO ) provided in the response by SPS , an " out building '' was used in the assessment. This building is not even on the property of the subject property that was being assessed. Not to mention the entire BPO is based on the wrong property as described in the mortgage documents. SPS continues to inflate the price of subject property in a fraudulent manner. 4- SPS ' BPO states the subject property has an estimated value of {$100000.00}, yet they forced placed  insurance on the property in the amount of {$230000.00} in coverage from XXXX XXXX XXXX XXXX as Select Portfolio Servicing , Inc. named as the first insured ( Policy # XXXX ). This is not only unethical, it's illegal. 5- On XX/XX/XXXX, XXXX stated they provided me a copy of all origination related documents pertaining to account # XXXX. This was false and a misrepresentation of the facts. The documents included : Customer Application, Loan Agreement Including Truth-in-Lending Disclosure, Notice of Right to Cancel, Recorded Mortgage, Good Faith Estimate, HUD Settlement Statement, Servicing Transfer Disclosure Statement, Hazard Insurance Disclosure, Waiver of Escrow and Origination Appraisal. However, in SPS 's XX/XX/XXXX response they included a document entitled " Arbitration Rider '' as part of the alleged loan documents. I have never seen this document and XXXX has never provided it to me as a result of my numerous inquiries. As a result, I would like XXXX to explain why it was not sent with the documents requested and provide a copy of the document and any other document ( s ) they neglected to send me in their XX/XX/XXXX correspondence. Either the document does not exist and SPS fabricated it, or XXXX has once again been negligent in performing their duties. Please advise, I continue to assert SPS continues to act in a fraudulent manner and misrepresents their legal abilities as a servicer/debt collector.
Product: Credit card or prepaid card

Good Afternoon, I was shocked when I reviewed my credit report and found late payments reported on my credit report. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I still went ahead and made the payment as shown on the receipt attached, however there still discrepancies shown on my credit report the way it's reporting such as with the wrong balance, wrong date of last activities, etc. There are several and multiple inaccuracies reporting on my credit report with this account. Due to these multiple violations on the way, it's reporting, I'm asking that this account be updated and paid as agreed never late or completely removed from my credit file. Please see the settlement offer shown attached!
Product: Mortgage

In XX/XX/XXXX my wife and I refinanced a mortgage on a condo in XXXX XXXX, SC through Quicken Loans. At the time the property values were soaring and we wanted to pull out cash and refinance. Quicken offered us a loan product that kept the monthly payment low but we were not fully informed of the consequences when after ten years the payment jumped over a thousand dollars a month. After XX/XX/XXXX the property value dropped over two hundred thousand dollars from the appraised value when we refinanced and the property value has been lower than the loan balance ever since. Since Quicken sold the loan to a private investor and not a fed agency, we could not do a HARP refinance. We have asked the loan servicer, XXXX XXXX XXXX for a loan modification, but they have not provided an offer. Over the last eleven years, I have paid over two hundred thousand dollars in interest and principal and the current loan balance is only a few thousand less that where we started. This loan was a scam and should have never been offered to borrowers that did not understand the effects of negative amortization loans.
Product: Credit reporting or other personal consumer reports

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. 

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  and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, someone was able to log into my Venmo account and send {$100.00} using " payment between friends '' functionality to a user XXXX XXXX ( handle @ XXXX ) transaction ID : XXXX Once I saw unauthorized transaction on my bank account, I called Venmo right away and was told by customer service that I could not dispute fraudulent transaction, as it was considered by Venmo as " authorized ''.
Product: Mortgage

XXXX XXXX XXXX died XXXX XXXX, XXXX, left property to daughter. Daughter went off to military. 
Brother, XXXX XXXX moved into property about a month later. Agreed to maintain property in her absence. 
In XXXX XXXX retired XXXX. Income drastically reduced. 
Maintained pretty well for XXXX years. Reduced income began to take its toll in XXXX. XXXX and XXXX began process of turning property over to XXXX since XXXX decided she would not be returning to the area. 
XXXX gave power of attorney to XXXX on XXXX/XXXX/XXXX. 
XXXX filed a quitclaim deed to XXXX on XXXX/XXXX/XXXX. 
XXXX XXXX XXXX contacted Chase about assuming and modifying the loan. They sent him a transfer, assumption and modification packet. 
For nine months, XXXX went back and forth with Chase to be sure he was getting proper documentation in place as requested. 
Things continued to go no where, and XXXX contacted XXXX XXXX in XXXX XXXX. 
XXXX continued to reach out to Chase and my SPOC refused to discuss case with XXXX XXXX. Claimed they did not have authorization. My counselor, XXXX XXXX, sent an authorization XXXX times and has yet to have a conversation with my SPOC. 
We continue to go back and forth and now I am receiving mail that my home is going into foreclosure. 
My account was not delinquent when I started the process. I am now $ XXXX delinquent.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : - ; XXXX : XXXX XXXX Reference # : XXXX ; XXXX  XXXX XXXX-discharged Reference # : XXXX ; XXXX XXXX XXXXdischarged Reference # : XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Loan Number : XXXX XXXX XXXX XXXX / Cashcall Mortgage From : XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX XXXX XXXX Regarding : XX/XX/XXXX payment did not get applied. The payment was made and is shown as as funds received, but not applied to the balance, nor escrow. I have contacted the servicer a couple of times and received no response. The servicer transferred my loan to another/different servicer starting in XXXX and they also have no record of my {$1400.00} payment from XXXX. 

Please help me received a refund check in the amount of paid and not applied to the loan, {$1400.00} last month. 

Where can I send supporting documents? 
Supporting attachments : Monthly statements from XX/XX/2020 and XX/XX/2020 Payment history ledger
Product: Debt collection

I obtained my yearly free credit reports from all 3 credit bureaus and noticed Commonwealth Financial listed. I disputed them and had them removed but they have since reported yet again and used a new date to prolong the report on my file. I have no knowledge of this debt and have never received correspondence from them in the mail regarding this debt. Each time they report the debt to the agency my score goes down. They were removed recently in XX/XX/2019 from XXXX and immediately reported to XXXX directly after being removed from XXXX. They need to be immediately investigated for their practices
Product: Credit card or prepaid card

I had a Capital One Bank Credit Card which I closed out in XXXX of XXXX. There is a credit balance on the card Of {$54.00} I was told would be mailed to me in the form of a check. It has now been almost six months and Capital One has refused to send me the balance claiming there is a restriction on my closed credit card account.
Product: Credit reporting or other personal consumer reports

I had a car financed with jpmcb back in XXXX. Car was repossessed in XX/XX/XXXX. Looking at my credit report I noticed several things wrong. First it has XXXX repo dates. XX/XX/XXXX and then XX/XX/XXXX. Which is incorrect. XX/XX/XXXX is correct. Second is Charge off date which is XX/XX/XXXX on one report and then a Charge off in XXXX XXXX. How is that possible when it was charged off in XX/XX/XXXX and closed. Third you can see no XXXX  on reports. I have included photos. The first attached file is XX/XX/XXXX the second attachment is XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my foderaly protected consumer rights to privacy and confidentialily under 15 USC 1681.

15 U.S.C 1681 section 602 A States I have the right to privacy.

| 15 U.S.C 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writien instructions | 15 U.S.C 1681c. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse lom of informetion, other than records of convictions af crimes which antodates the report by more than seven years. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We have been in our home for over 10 years now. Our mortgage bank is Wells Fargo. My wife and I experienced some financial difficulties several years back due to some very serious health concerns. We applied for a loan modification and was approved. We had built up a fair amount of equity in our home and wanted to borrow some of it to put back into our home, i.e. home improvements and or upgrades. When we applied for the home equity loan we were advised that there was a {$57000.00}XX/XX/XXXXHUD Housing lien on our property to which we had absolutely no knowledge about. XXXX XXXX XXXX XXXX would not proceed with the home equity loan until the HUD housing lien was satisfied. I called Wells Fargo NUMEROUS times attempting to get someone to explain why HUD had attached this substantial lien on our mortgage. I was finally able to get them to forward me some documentation concerning our loan and the lien. We got behind on about 6 payments but absolutely not {$57000.00}. A very close friend of mine went through basically the very same thing with Wells Fargo and recommended your company to me for help. From the very bottom of my heart I would sincerely appreciate anything you can do to help us here.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically Section 609.

Upon reviewing my credit report, I discovered the following accounts, which I believe to be inaccurate and not mine : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Remove me from any authorized user accounts These accounts are not mine, and I am requesting that you provide me with a detailed validation of these accounts, including all documents that were used to verify the accuracy of this information, such as signed agreements or contracts. I understand that you are required to investigate this matter and, if these accounts can not be verified, they must be removed from my credit report. 

XXXX : XX/XX/year> LAST 4 SSN : XXXX Please remove these accounts if you can not provide sufficient evidence that they belong to me. I request that the results of your investigation be sent to me in writing at the above address.
Product: Mortgage

My husband was unemployed XX/XX/year>- XX/XX/year>. This is the time when we first began to fall behind in our mortgage and other bills. We applied to XXXX through the XXXX, which would've provided {$7000.00} towards our past-due amount, if we could pay the difference ( at that time, approx {$2500.00} ). We are in the same situation now : we are further behind in our Mortgage, since we are not able to make incremental payments and rather are required to pay the full past-due amount, which we do not have on-hand. We have again applied to XXXX, which has again let us know that they will pay up to {$7000.00} towards our past-due amount of {$11000.00}. However, they will not make the payment of {$7000.00} until they see receipt of payment for the difference ( {$4200.00} ). We do not have this cash on-hand, which is why we are applying for help, so we are trying to work with the mortgage lender to adjust our amount due to {$7000.00} and move the {$4200.00} to the back of the loan OR find a way to break up the payments. Once we are caught up, we can afford our current mortgage amount of {$1800.00}. We are afraid that any modification will result in an increased monthly payment, which is not helpful considering that we are already behind. 

We also have corresponded with HUD, who let us know that the loan modification provided by XXXX is our only option.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update this account to PAID/NEVER late and send me a copy of my updated credit report regarding dates ( list dates ) for account # XXXX XX/XX/year>, and dates ( list dates for 2nd account if there is one ) for account # XXXX, # XXXX XX/XX/year> This should not be late send proof now. 
Also, please pass this along. 15 USC 1681s-2 ( F )
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020, I mailed a certified letter ( tracking # XXXX ) to XXXX-Card Services requesting debt validation because they are reporting on my Equifax credit report that I owe them. XXXX did not respond within 30 days, so I filed a dispute with Equifax advising them of the non-responsiveness from XXXX. Equifax ended their investigation and advised me that XXXX 'XXXX is correct and they are still reporting wrong information. Equifax 's dispute number is XXXX.
Product: Money transfer, virtual currency, or money service

Coinbase has my bitcoin stuck in a " vault '' unable to be accessed by me. They have not responded to my numerous attempts at support. 

XXXX Situation : ============= On Tuesday XXXX XXXX, 2020 I tried moving Bitcoin from my Coinbase " vault '' account to my Coinbase " wallet '' account. The vault is a more secure account requiring authorization from two separate email accounts. I initiated the transfer. Emails were sent to both my email accounts. I successfully clicked " Approve Withdrawal '' from both email accounts as necessary. However, Coinbase only shows my primary email account as being approved rather than both email accounts leaving my money is stuck in the " vault '' unable to be used at all. 

This has been a known " bug '' or issue with Coinbase for several years and yet it still occurs. This is utter negligence and known by Coinbase who are not taking proper responsibility. See : XXXX : XXXX https : XXXX https : XXXX https : XXXX * Actions Taken : ============= - I immediately filed a support request with Coinbase on Tuesday XX/XX/2020 at XXXX PM PST. XXXX # XXXX - Transferring from XXXX XXXX To XXXX. 

- I sent an email to the general coinbase support at XXXX on Tuesday XX/XX/XXXX at XXXX pm PST with subject " Transferring from Vault to Wallet stuck on Pending Approval ''. They no longer check this email or accept support request through this email. 

- I immediately went to the internet looking for other users with the same issue and directly messaged users " u/coinbasesupport '' and " u/justin_coinbase '' on XXXX. Direct messages where sent on Wednesday XX/XX/2020 at XXXX UTC " Can't Transfer from Vault to Wallet Case # XXXX '' - Found the following thread with a similar user on XXXX and posted. 
XXXX : //www.reddit.com/r/CoinBase/comments/jvxlag/trying_to_transfer_money_out_my_vault_to_my/ - I called both the general and XXXX specific Coinbase phone support lines on Tuesday XX/XX/2020 at XXXX pm PST. The phone support is only if you are locked out of your account and they have absolutely no human support. Utterly useless to a customer in need. 

- I filed another support request with Coinbase on Wednesday XX/XX/XXXX at XXXX XXXX. 
XXXX # XXXX - Transferring from XXXX to XXXX stuck on XXXX XXXX - All of these support requests and attempts have resulted in no response or acknowledgment. All while my money is inaccessible to me. 


XXXX XXXX XXXX : =============== If this occurred in a normal legitimate bank such as XXXX XXXX, XXXX, or a local credit union they would be all XXXX this. Government and oversight agencies would hold them accountable. The same needs to occur for Coinbase. 

Not responding to customer requests in a timely manner when it comes to financial products is unacceptable. Not being able to talk with a human is unacceptable. 

Having a company know about this issue for XXXX years and still not address the issue or root cause is negligence and is actively harming customers.
Product: Debt collection

I have this notification on my Credit Report as a Negative item ... .That was reported by a Debt collection Agency called CMRE FINANCIAL SERVICES for the amount of {$810.00} I sent them a Debt Validation letter and they never replied with a verifiable signed validation document to proof i owe the debt. Or anything from the original Consumer Contract with my Signature on it I have this Negative report on my XXXX  and XXXX  Credit Report. I have contacted the Credit Bureau by sending them letters to get it removed and they keep replying by saying the debt is accurate without no proof of verifiable signed validation document from the original Consumer Contract with my Signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXXXX/XX/XXXX
Product: Consumer Loan

I had an auto loan with Capital One which I paid off early. My husband mistakenly overpaid the loan amount and we are due a refund. Capital One has refused to discuss with us the dates and amounts they have received. We have been told that no overpayments were collected. We know from our bank statement that overpayments were made.
Product: Credit reporting or other personal consumer reports

I am beyond frustrated to find errors on my report that are unfairly lowering my scores and preventing me from moving forward financially. These mistakes are not only inaccurate but also harmful, causing unnecessary stress and limiting my opportunities. It is unacceptable that I have to deal with the consequences of incorrect information that should not be there in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX XXXX partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

Did not fix the problem, it is not my account.
Product: Debt collection

I asked for documentation and receipts for a few things on my credit report I have been a victim of identity theft and I dont recognize a lot of things of my credit and I am now in debt and no one can tell me how or where these things came about Ive tried disputing with Experian as well as XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Family Member ob tained loans fraudulently, has subsequently been   XXXX   and is   XXXX   XXXX   XXXX   term for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.