23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2016 I received a letter from Ditech stating my mortgage payment has not been received, thankfully for me I keep very good records and at the time I was paying via money order because I was not going to pay their ridiculous fee of {$12.00} to pay online. I called Ditech and let them know I paid my mortgage and I don't understand what the problem is. They told me I had to go to the business where I purchased the money and get proof which cost me {$24.00} on top of the late fee they were trying to charge me. After so many phone calls and broken promises from the incompetent people that work at Ditech I was able to get the situation taken care of weeks or months later. Come to find out they applied my payment to someone else 's account. The next thing that really broke the camels back was when I received a notice in the mail XX/XX/2016 from Ditech stating they paid my taxes which are not escrowed, we pay out of pocket every year. I called them and told them to take their money off so I could pay my taxes, they refused stating I was delinquent on my taxes. In my County our taxes are not due until XX/XX/XXXX so again Ditech was messing with my account information once again, they stated they inadvertently entered our account and paid our taxes when it should have been another members account. I was promised a letter of resolution and a call to our county treasurer to reverse the payment off so I could pay my taxes. After all this time we are now being sued for the tax payment and being threatened by the collection agency working with these losers. Please do not do business with this incompetent company. Customer service has no clue what is going on and they are extremely rude. Needless to say after the tax incident I went with a credit union in my hometown and have not had one single problem with them. 
One other note : this company has already file bankruptcy twice that I am aware of. 
BUYERS BEWARE-THEY ARE SCAM ARTISTS
Product: Debt collection

The first person to contact me was a man pretending to be a process server. He said there was a complaint filed against me. When I checked on line I found no such complaint. When I called the number he left, a woman answered with very abusive and threatening language towards me. She said she was going to sue me and that I was a liar. She yelled for several minutes while I tried to reason with her calmly, but I finally had to hang up because she would n't stop yelling and threatening me.
Product: Mortgage

I received a letter dated XX/XX/XXXX from XXXX XXXX  informing me that my loan would be transferred to Nationstar Mortgage LLC b/b/a Mr Cooper. The effective date of the transfer was XXXX and the letter specifically stated : If your monthly payment is automatically deducted from your checking/savings account, this service will continue without interruption. 

We had previously utilized this service with XXXX XXXX, scheduling our payments for the first of each month and assumed it would continue. 

On XX/XX/XXXX we noted the payment had not been withdrawn from our checking account and on May 4th we called Mr. Cooper and was informed of the following : 1 ) The would not honor the prior auto pay set up 2 ) We could not use their website as the loan had not transferred and would take up to 7 days 3 ) Although their IVR messages indicate that a automatic payment may be set up there is no menu option to do so and when speaking to an agent they can not set up a auto draft Further when speaking to an agent I was advised I could send a check and although incurring no late fees - the agent could not speak to the interest accrual for the days the payment was outstanding. 

These actions are at best poorly thought out and at worst deceptive : 1 ) Accrual of incremental interest while offering no meaningful option to make an immediate/next day payment 2 ) Failing to honor auto payments as disclosed in the transfer letter 3 ) Scheduling a service transfer to occur when the normal payment schedule occurs on a weekend date - I would advise the CFPB work with its policy making partners to ensure electronic payments are processed and honored for a period of not less than 5 business days post transfer date. 

The actions by Mr. Cooper have contributed to the worst mortgage transfer I have ever experienced - I have had these happen more than 5 times with never an issue this is the first instance where the actions of the receiving service provide appear to intentionally mislead consumers to their own benefit through the accrual of incremental daily interest. 

It is laughable in XXXX to suggest consumers send a check or a data transfer and boarding should take seven days to complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had identity theft happen and my credit has been ruinned as a result. Here is a list of the items I discovered on my report that need to be removed immediately thank you. 

Account Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I have attached a report that was sent to XXXX XXXX via XXXX report but have not gotten a reply from the police department at the present time. Thank you again for your help.
Product: Credit card or prepaid card

We have a business building homes, we have been directly affected by XXXX XXXX. We have a XXXX credit card account and have had this account since XXXX, our credit limit was {$17000.00} we made XXXX payments in XX/XX/XXXX, XXXX on XXXX, and another on XXXX, the payment on XXXX was in the amount of {$9000.00}, after that payment, XXXX decreased our credit limit by {$9000.00} without any notice. We made this payment not only as a payment, but it was also to be able to use the card to make purchases like lumber and other building materials easier. Of course they are saying the account was a personal account and not supposed to be used for business? 
We have worked so hard to get through XXXX, even working when we had XXXX, we also called XXXX and let them know we were directly affected by XXXX XXXX, with their credit card relief, we are still having a tough time, and losing the XXXX is enough to put us out of business, not to mention our credit score dropped from XXXX to XXXX, which will kill any chance of acquiring any future construction loans. If there is anything you can do to help, we would sincerely appreciate it. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Discover Financial Services has violated 15 U.S. Code 1602f by removing my right to credit by closing my account which is an adverse action against me the consumer pursuant to the Fair Credit Reporting Act. 

Discover Financial Services has violated 15 U.S. Code 1666b by claiming payments can be considered late when congress has forbidden that claim and then continued to close my account further violating me. 

Discover has violated 15 U.S. Code 1692j by creating deceptive forms to make me believe that I owe a debt that has already been payed by the United States according to House Joint Resolution 192 and pursuant to 18 U.S. Code 8. ( Exhibit A ) Discover has violated 15 U.S. Code 1692f ( 8 ) by violating my privacy so that everyone can assume I owe something when I don't. ( Exhibit B & C ) Discover has violated 15 U.S. Code 1692d ( 2 ) by using profane language two times to guilt me into paying a debt that I don't owe. ( Exhibit D & E ) Discover has violated 15 U.S. Code 1892b ( 2 ) tried two times to collect an alleged debt from me outside of my state. ( Exhibit D & E ) Discover has violated 18 U.S. Code 1961 by using extortion two times o coerce me into paying an alleged debt. ( Exhibit D & E )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX account # XXXX and Account no # XXXX has violated my rights 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I never open XXXX XXXX or XXXX XXXXXXXX credit cards or SBNASELFND  .... nor XXXX XXXX I need these removed from my credit asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Credit Acceptance is reporting late notations on my credit file. I recently took a look at my credit file and noticed the late notations were reporting. Unfortunately, due to Covid I had a very hard time with my finances. I was severely financially impacted and did my best to make a payment when I could. I ask that American Credit Acceptance make a one time good will adjustment and remove the late notations from XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

Coinbase has a service called the " XXXX '' where you can store money in with additional safety. Due to a Coinbase bug, my funds have been frozen for 95 days and counting.

I had an older account on Coinbase which had an alternate email id. After deleting this account, Coinbase used that id as a secondary email id. I had never given permission for Coinbase to do this. This occured due to their bug/defect/issue. 

when i deleted my account it looks like the secondary email has got deleted too. 

In order to withdraw funds from the " XXXX '', i need to receive confirmation on both Primary and Secondary email addresses. Due to their issue, this is impossible and my money is frozen. 

I have reached out to them on XX/XX/XXXX ( 96 days ago- case # # XXXX ). and i was told i will be assigned a " Specialist '' to help me withdraw the frozen assets ( mail by XXXX ). 

The concern was raised several times again XX/XX/XXXX : 91 days ago XX/XX/XXXX : 55 days ago ( they also opened another ticket # XXXX ) XX/XX/XXXX : 39 days ago I need help to get this rectified. Several people on different forums have reported this and have got this resolved even before me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Verisk FinancialXXXX XXXX is providing bankruptcy information on my consumer report that was obtained by violating multiple consumer rights. I attached a letter from the US Bankruptcy court, that states that they do not provide information to any consumer reporting agency. 
Verisk FinancialXXXX has violated my consumer right to privacy, Permissible Purpose ( 15USC 1681B2 ), and violated 15USC 1681A-e ( Investigative Consumer Report ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CRA, My name is XXXX XXXX XXXX, my SS # is XXXX. 
I am sending this dispute THROUGHT CFPB make sure you receive i. 
There is no such judgment of record for XXXX XXXX from this Court for this date for this amount from this creditor. 
I have certified documentation from the Court that supports my dispute of this erroneous entry on my report.

If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. 
Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from XXXX XXXX XXXX credit reports. I demand the account be verified or removed immediately!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, & Equifax continues to report incorrect information about me. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other information that is being reported is not correct and is causing me harm. I have previously sent several disputes and complaints yet neither consumer agency responded this is my final complaint before I initiate litigation for this matter.
Product: Credit reporting or other personal consumer reports

2Tag Pending Report 3Generate Letters 4Send Letters Letters & Status Dispute Items Educate Messages Invoices Activity My Saved Letters ( XXXX XXXX ) comment Here are all the letters you have created in the XXXX and saved for this client. 

Letter Name Created date Abbreviation XXXX XX/XX/XXXX arrow_drop_down XXXX XX/XX/XXXX arrow_drop_down XXXX XX/XX/XXXX arrow_drop_down Total : XXXX Preview Letters XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX Re : Investigation of Inaccurate Credit Report Items is in Violation Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report To Whom It May Concern, I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Debt collection

RASH CURTIS & ASSOCIAT Acct # XXXX I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.
Product: Debt collection

I received my letter XX/XX/2022 from my visit on XX/XX/2022 saying I owe {$330.00}. I have paid off this visit already and just now receiving more bills from that time. I should not owe anymore as I've paid everything off already. It's been almost a year and now trying to force more money out of me. I do not agree with the bills have already paid for this visit and still paid them. But this is out of hand how expensive the visit was when no procedures were done I was not even seen more that 3 minutes. Please dispute this charge for me. I dont understand how you can charge me now a year later.
Product: Debt collection

I have updated information regarding complaint # XXXX Dear CONSUMER ADJUSTMENT COMPANY INCORPORATION, I am writing in regards to the collection account that you have been attempting to collect from me. I am concerned that I have not received any update from you regarding the investigation you were supposed to conduct. 

As per the Fair Debt Collection Practices Act, you are required to provide me with a written notice of any action taken, including an investigation, within five days of receiving my dispute. However, I have not received any communication from you regarding the status. 

I am now making a demand that you delete this account from all 3 credit reporting agencies in the next 5 business days or I have no other choice but to file a lawsuit suit in federal court for fraudulent activity & defamation of character. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Mortgage Lender : LoanCare I have been attempting to pay my XX/XX/2023 mortgage since XX/XX/2023... six freaking days. 

I can not access their website, app, or customer service to make a payment. I absolutely refuse to send this company a physical check. This is not just me... there are many out there experiencing the same problem. 

You simply can not get ahold of anybody at this company. When you call customer service it automatically hangs up on you. There is zero communication indicating if something is wrong... nothing via physical mail or email. Not any kind of automated message when you call other than the sound them hanging up. 

This is outrageous and completely unprofessional! How exactly am I supposed to pay my mortgage? What exactly is going on? Why can we not access anything to make payments or talk to anybody? Its like this company has completely fell off the face of the earth. I will be filing a lawsuit If I end up with late fees and a credit hit because of this XXXX company 's inadequacies. We should have the option, with out having to refinance, to leave this XXXX company and go to another lender that is at least competent at running their business. Nobody has ever asked for LoanCare to service our mortgages... trust me! 

THIS IS NOT OK
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FIRST PROGRESS CARD XXXX XXXX XXXX XXXX XXXX TN XXXX Dear FIRST PROGESS CARD, I am writing to address your [ letter or phone call ], as I contest the validity of the asserted debt. 

This marks the initiation of communication on this matter, and pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically under section 809 - Validating Debts, I insist on a comprehensive written response providing the following information : 1. A detailed breakdown of the alleged debt and its origin ; 2. A clear and transparent exposition of the calculations leading to the purported amount owed ; 3. Provision of all documentation demonstrating my agreement to the indebtedness ; 4. Identification of the original creditor in question ; 5. Verification or furnishment of any judgment pertaining to this matter ( if applicable ) ; 6. Presentation of evidence of your licensing in accordance with the laws of my state, along with relevant license numbers ( if applicable ).

I am acutely aware of my rights under both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. It is imperative that you understand : Any imposition of interest or fees is permissible only as stipulated in the original contract and state legislation. 
Your obligation to respond to this dispute is limited to declaring your intent to either cease collection efforts or pursue lawful avenues for debt recovery. 
Pursuing a judgment without adequately validating the debt will be contested in a legal forum, and non-compliance with FDCPA guidelines will be brought to the courts attention. 

I explicitly communicate my decision to record all telephonic conversations, preserve all correspondence, and promptly report any violations to the State Attorney General, the Federal Trade Commission, and the XXXX XXXX XXXX 

Given that I have formally disputed this debt, any reporting to credit-reporting agencies must reflect its disputed status. Failure to adhere to this requirement violates the Fair Credit Reporting Act ( FCRA ) 1681s-2.

In the event that you do not hold the rights to collect this debt, I demand immediate transmission of this dispute letter to the original creditor for their awareness.

Concluding, pursuant to section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, I assert my right to be contacted solely via official mail. Any correspondence should be limited to notification of the termination of debt collection efforts or specific actions permitted by law. 

Your adherence to these directives is expected, and I anticipate your prompt and thorough response to this dispute. 

Sincerely,
Product: Student loan

It was my daughters loan originally. She stopped paying & since I am the co-signer. I took over & agreed on an amount ( {$120.00} ). It was all I could afford. The loan was XXXX XXXX originally. Then Navient took over. A year after my agreed upon amount was made, they doubled my payment & have been over charging me ever since.
Product: Credit reporting or other personal consumer reports

The reported late payments on this account are inaccurate and fraudulent, as they are the direct result of identity theft and data breaches. This correspondence serves as a notice under Section 605B of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must block the reporting of information that is the result of identity theft, upon receipt of appropriate proof. I kindly request that you block and remove this information within four business days, pursuant to section 605C Fair Credit Reporting Act. XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX. XXXX, Experian and XXXX reported unverified derogatory information to my consumer/credit report ; I carefully investigated my incident, and conculded the XXXX Bankruptcy XXXX never provided any information to the companiess, nor do they ever validate and/or confirm public records ; The public records information is never validated by the Recorder of Deeds nor the XXXX Bankruptcy XXXX system due to the Fair Credit Reporting Agency Privacy Law ; The XXXX Bankruptcy XXXX XXXXnfirmed that your company has never validated or verified this public record entry on my consumer/credit report, neither will they ever be by them. 
They further stated while they are not liable or responsible for any misuse or incorrect publicrecords, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly : XXXX. XXXX, Experian and XXXX failed to provide me with competent and documentary evidence toprove that the disputed information is verified. 

The law is clear : " If the CRA can not validate the information with the information furnisher, CRA must remove said information from the consumer file '', I have the right to an accurate consumer/credit report.