23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was in a hardship and went into forbearance on my mortgage that was held by XXXX Mortgage Company in XXXX of XXXX. Before my forbearance began they did an annual escrow analysis. Because they didnt have the new declaration from my insurance company for the upcoming year they estimated the amount. The estimate was inflated by {$9000.00} from the prior year. Obvious mistake and it took my payment from {$1300.00} a month to {$2700.00}. This wasnt made known to me until I was almost 4 months into my forbearance. I contacted XXXX about this issue numerous times without ever receiving any directions to rectify the problem. Finally they stated that they recognized the problem but they were unable to run a new escrow analysis until AFTER I was finished with my forbearance period. In the meantime my balance of what I owe on my mortgage goes up by {$2700.00} a month instead of {$1300.00}. In XXXX of XXXX they transferred my mortgage over to M & T Bank. Ive spent an endless amount of hours on the phone with representatives from every department within the company. Numerous employees have agreed that there was an obvious clerical error on my escrow analysis from XXXX but there still is nothing that nobody can do to resolve the problem. My last conversation with M & T Bank management team member I had, he stated that there was nothing I could do. I would be responsible to pay the inflated amount when my forbearance period was up. I have been postponing submitting my application to the HAF, homeowner assistance fund, because the total I owe is over twice the amount that I actually owe. My forbearance period will be ending at the end of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Hi, My name is XXXX XXXX one of the user of CoinBAse. 
i had participated one of the ICO ( initial coin offering ) from XXXX. And I had transferred XXXXETH and Tx status is succesfull. 
As per the etherscan it is showing that COINBASE had recieved XXXX tokens to their coinbase wallet. However COINBASE team is not helping to send it over to my personal etherwallet. 

After doing proper research over internet, there are plenty of users with such an incident. 
Please help me to get my hard earned money back to me. 

Regards XXXX M
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received any correspondent saying anything was late, missing, not received, or anything else of the sort from eitheXXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. When I called XXXX they admitted and its recorded that they couldnt have sent me anything because the address that I provided ( was 100 % accurate ) was not the address that any of the correspondents were sent to. Upon checking my credit report as I do all throughout the months for inaccuracies, as I have ate XXXX noodles for weeks at a time to repair my credit to where it was before the erroneous errors occured. When I filled a dispute with Experian I had received not only an update but dispute close, and the account is accurate but that due diligence was done in less than 24 hours.
Product: Money transfer, virtual currency, or money service

I was scammed through a website named XXXX, I was given this website saying I could make more on my returns. I ended up investing about XXXX and when I tried to withdraw the earnings which were about XXXX the platform said I needed to pay taxes on it. The taxes were close to XXXX. I paid them, but I had to take out a loan to cover them because I did not have sufficient funds. I thought I would be able to pay back the loan within a couple of days after getting my money back. I got left empty. devastated. 3 years ' worth of savings gone within a week. the total was about XXXX, and XXXX of it was not even mine. A part of the saving was sent through Coinbase and part of it ended up in Coinbase which blockchain experts notified me about. So I hold Coinbase partially responsible for this scam. They should have stopped me from sending money to these scammers and they should conduct proper KYC with their clients and know that they are providing their services to the scammers and stop them. If you follow common sense you will try to help me. I am financially devastated
Product: Mortgage

XX/XX/2023 I entered a contract for the sale of a property and Rate formerly known as Guaranteed rated was the originating lender of the loan backed by the VA. This was my first time buying any property and I was absolutely robbed and scammed not only by the lender during closing in which they never really applied or supplied the tax check for almost XXXX the previous owners was contracted to provide part of the closing arrangements. I a XXXXXXXX XXXX was stuck paying almost XXXX in taxes and I was only occupied the residence 2 days in XXXX  The rep from Guaranteed Rate gave me several excuses told me different things. At closing his story was the title company had the money and I would get the check in the mail in my name, then months later when the taxes came they stated I only had a tax credit that was taken off the price of the house which can not be seen anywhere. I also want to make a complaint due too being charged for the appraisal fee again at closing when I paid for the same appraisal in XXXX I was charged the same fee again at closing. My statements and monthly charge wasn't making sense it was like they were trying to force me in foreclosure and this house should have never been passed on inspection due to the state of the house. This company and any financial institute should not legally be able to charge me almost XXXX for a house sitting on bricks and car jacks with no insulation an the wrong furnace! I reached out to them and they refuse to rectify the issues. They refused to send me my entire closing file stating " privacy concerns ' and its too large? They were in violation with the FDIC a few years prior and I am positive they scammed me and something should be done to further protect citizens and veterans of this country!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10  days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is falsely reporting information on my credit report. This is XXXX my name and causing XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit card or prepaid card

Paid bill on time from XX/XX/2017 to XXXX of 2017 of payment on statement sent to me. They raised payment in XXXX of a few dollars and we was never sent nothing or notified of change so for them months what we was sending wasn't enough so it made me delinquent for them 3 months. I was never told about the increase in payment or contacted. I seen it on my credit was how I found it. Was never contacted by the credit card company. Once I caught it I paid the late penalties and for a year now have not had any late payments. I feel this should be taken off my credit for i was never contacted.
Product: Debt collection

My most recent credit report shows several accounts that I believe are fraudulent. I urge you to block and remove these accounts without delay.
Product: Credit reporting or other personal consumer reports

I am contacting you today to inform you that I have become a victim of identity theft. This correspondence serves as a formal dispute regarding the following accounts. I have followed the instructions provided by the respective companies and have personally reached out to each of them to take the required actions to rectify this situation. Additionally, I have filed an identity theft report with the FTC and have commenced the dispute process with the companies involved. Your assistance in resolving this matter would be greatly appreciated. 
Please expedite the removal of these items. I appreciate your attention to this matter. I regret any frustration conveyed in my communication. These oversights are causing significant financial inconvenience for me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2018 sent an itemized bill with services listed as proof of debt owed, violated HIPAA laws Debt amount {$130.00}
Product: Mortgage

I am filing a complaint against Roundpoint Mortgage Servicing Corporation regarding their handling of my transfer of my mortgage in the final stage of the modification process. I filed for loan modification in mid XX/XX/XXXX. Over the course of the next year I submitted documents as requested by XXXX and in XXXX of XX/XX/XXXX my modification was approved and I was asked to make XXXX trial payments due in XXXX, XXXX, XXXX & XXXX. I made the payments & called them back in XXXX & was told that suntrust would send me the documents to make them loan mod permanent. I received the final loan mod docs & signed, notarized witnesses copies were delivered to them on XX/XX/XXXX. On XX/XX/XXXX my loan was transferred to Roundpoint Mortgage Servicing Coprporation. I contacted them on XX/XX/XXXX just to let them know about the loan modification. Roundpoint asked me to email them a copy of the loan mod docs to speed up getting the information put into their system. Since that date, Roundpoint has asked me to send the documents to them XXXX more times and they have done nothing to update my account accordingly. I contacted XXXX multiple times between XX/XX/XXXX and XX/XX/XXXX to have the executed loan mod docs sent to Roundpoint and they were never sent. I filed a CFPB complaint against XXXX on XX/XX/XXXX and through their investigation, they found my signed final mod docs and they have now said that they executed the documents and they are sending them to Roundpoint so that Roundpoint can update their system with the new terms. I spoke with Roundpoint and they said that they would have to have the documents reviewed again by XXXX in order to finalize the loan modification!!! The loan was already modified by suntrust and Roundpoint needs to accept the new term and update their system. Also, Roundpoint has lost or misapplied my XXXX payment. I am also being told by Roundpoint to continue making trial payments even though my trial period ended in XXXX!!! Also, Roundpoint is charging me a {$15.00} inspection fee because they show my account as past due because they are not applying my payments properly! I need for Roundpoint to update their system as soon as possible so that I can have my payments applied properly.
Product: Mortgage

PenFed ( Pentagon Federal Credit Union ) advertises " XXXX Points '' XXXX mortgage loans. In fact, this advertising is deceptive. PenFed charges " points '' disguised as " Loan Origination Fees ''. The initial ads ( attached ) state that the " XXXX Point '' loan has an APR higher than the stated rate because of " closing costs '' ... which a consumer can interpret as the cost of appraisals, credit checks, filing fees, etc. In fact, the closing costs include a 1 % POINT called " Loan Origination Fee ''. The borrower gets no benefit from this fee. All of the costs associated with closing the loan are billed to the borrower. The APR is in fact NOT increased by closing costs ... it is increased by collecting a POINT. The proof that this is POINT comes when the borrower complains. PenFed offers to waive the " Loan Origination Fee '', if the borrower will accept a rate 1/4 % above the advertised rate. THIS IS EXACTLY WHAT A POINT DOES!! This proves that paying the " Loan Origination Fee '' is in fact paying a POINT. Paying the POINT reduces the interest rate. Therefore, PenFed is either advertising rates that it is n't really offering ( you only get the XXXX point rate by paying a point ... the true ( hidden ) XXXX point rate is 1/4 % higher ) or it is lying when it says that the loan is " XXXX points '' and lying again when they say the APR is linked to closing costs ... they add a point in the Closing Fees disguising it as a " Loan Origination Fee ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting
Product: Debt collection

Complaint Overview I am filing this complaint against Transworld Systems Inc. ( XXXX ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and unauthorized use of my Social Security Number ( SSN ) for commercial purposes. The company has continued to engage in unlawful debt collection practices despite being served with a Cease and Desist notice. 

Details of the Complaint Cease & Desist Notice Under FDCPA On XX/XX/year>, I sent a Cease and Desist notice to Transworld Systems Inc. instructing them to stop all communications and collection activities in accordance with 15 U.S.C. 1692c ( c ). The notice explicitly stated that if TSI continued any communication or collection activity, it would be a violation of the FDCPA, which subjects them to civil liability under 15 U.S.C. 1692k ( a ) ( 1 ). Despite this, TSI has continued its attempts to collect a debt that has not been validated.

The collection letters sent by TSI misrepresent the validity of the debt, constituting a violation under 15 U.S.C. 1692e ( 10 ) for false and misleading representations. Furthermore, TSI, as a third-party debt collector under 15 U.S.C. 1692a ( 6 ), failed to prove that they have any enforceable right to collect the alleged debt, violating my rights under the FDCPA. 

Social Security Fraud TSI has unlawfully used my Social Security Number without my consent, in violation of federal law. My SSN is intended solely for tax reporting purposes. TSIs use of my SSN for commercial gain constitutes identity theft and fraud. This action is a serious violation, and I have informed TSI that I would report this fraudulent use to the Office of Inspector General and other federal authorities. Despite this, TSI has not ceased its activities.

Violation of Fair Credit Reporting Act ( FCRA ) TSI has reported false and misleading information to credit reporting agencies, thereby violating my rights under the FCRA. According to 15 U.S.C. 1681s-2 ( b ), TSI has a duty to report accurate information, and they have failed to comply with these obligations. 

XXXX XXXX The continued harassment and collection efforts by TSI amount to criminal extortion under 18 U.S.C. 875 ( d ). The company 's behavior has caused significant stress and harm, and I demand immediate action to halt these illegal practices. 

XXXX Sought Immediate Cessation of All Collection Activities : I request that the CFPB direct TSI to cease all collection activities and communication as per my Cease and Desist notice. 

Compensation for Damages : I seek statutory damages under the FDCPA, in the amount of {$1000.00}, for each violation, as well as any other damages deemed appropriate for the violation of my rights. 

Investigation into Criminal Activity : I request that the CFPB investigate TSIs actions regarding the unlawful use of my SSN and the potential identity theft. 

Attachments Copy of Cease & Desist notice sent to Transworld Systems XXXX on XX/XX/year>. 
Collection letters received from Transworld Systems Inc. after the Cease & Desist notice
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts, these concerns persist without resolution. Your firm 's response to my dispute regarding items on my credit report dismisses my request for verification as either " frivolous '' or " irrelevant. '' However, I want to emphasize the significance of this matter to me. If my initial request to verify these items, as outlined in my previous certified mail, continues to be overlooked, I'll be compelled to escalate the issue by filing a complaint with the Federal Trade Commission. It's essential for a comprehensive reevaluation of the information to occur. Therefore, I urge your firm to provide validation of the alleged items, particularly through documentation such as contracts, notes, or signatures. Without such evidence, the immediate removal of these disputed items from my credit report will be necessary. I trust your firm will address this matter with the seriousness it merits to ensure a fair and timely resolution.
Product: Debt collection

I and another person had gotten in an accident on XX/XX/XXXX. I filed a claim with My insurance ( XXXX ) and they took care of everything. XXXX XXXX, the company of the other person n the accident, is using Recovery Partners LLC to collect a debt that has already been paid in full. It is concerning a claim that they said happened on XX/XX/XXXX. It happened on XX/XX/XXXX and my insurance XXXX too care of it. They have been rude, threatened to take away my license if I do n't pay the sum of {$2500.00}. I am and was insured on the date of the accident. Do not use XXXX as they use strong arm tactics and try to make you pay a bill already paid.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiry on my credit report, which I believe are a result of identity theft. Upon reviewing my credit report, I discovered several inquiry that I did not authorize or recognize. I demand immediate action to investigate and rectify this matter. 

This unauthorized inquiry has been made on my credit report : XXXX  XXXX Inquiry Date XX/XX/year>. 

Please provide written confirmation once this unauthorized inquiry has been removed from my credit report. I also request a free copy of my updated credit report for my records.
Product: Credit card

This is a follow up to prior complaint XXXX that was closed because the credit card company responded to your inquiry. The credit card company said it would take XXXX days to complete their investigation, but they keep extending their deadline and have now told us that the next update will come on XX/XX/XXXX, which is XXXX  months past the date of when we filed the disputes ( XXXX in total, all paid to the same vendor ). When we try and call them to discuss the disputes, no one is willing to help us, or explain to us what is happing.
Product: Debt collection

InXX/XX/XXXX, I applied for a XXXX account and I didn't know about the predatory interest rate that came with the credit account. I became the only working member in the household of XXXX in XX/XX/XXXX due to my husband becoming ill and could not afford the payments. The account was late for 3 months then sent to collections/charged off. On my credit report XXXX has 3 different reporting, consisting of account # XXXX, # XXXX and JeffCapsys XXXX, which is collection agency. I agreed to settle the account with them for {$600.00} and they sent a letter for paid in full. They then listed the balance ( {$730.00} ) of the account on my credit report instead XXXX the account as promised. The reporting of when charged is changed twice and then listed as this year instead of XX/XX/XXXX.  Please help me to resolve this issue with XXXX XXXX.
Product: Debt collection

On XX/XX/2022, I received a phone call from a company titled Collection Bureau of Hudson Valley , IncXXXX She collection agent, a female, informed me she was with a collection agency, and I owed a debt for XXXX dollars from a XXXX XXXX XXXX I told her I owe no debt, the XXXX XXXX  was properly closed by me, all equipment was returned within the allotted 30 days, and final payment was made. I also requested they communicate by mail, so I would have their address and could forward the final XXXX receipts. The collection agent refused, said we rather put this on your credit report. I informed her that I do not owe the debt, and have receipts. She became belligerent, and after the phone call, the next day they sent the information to the credit bureaus. I also asked her not to call by phone any longer, and to send me correspondence by mail In a continued attempt to get their address again. Instead, I have received no correspondence and was called again on XX/XX/2022, twice. At this time, I have forwarded the receipts for the contested accounts to the 3 credit bureaus with an explanation. This company appears to either buy bad debt without checking to determine if it is actually owed, or simply ignores those facts.