23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX/XXXX  XXXX Balance Owed : {$790.00} ; XXXX  XXXX  XXXX  XXXX**** Balance Owed : {$8.00} ; XXXX  XXXX Balance Owed : {$160.00}
Product: Debt collection

This account is listed as a collection/charged off account on my credit report but I have not received a XXXX for this charged off debt. Can you please provide me with a XXXX to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly. 

I have XXXX different Accounts I need my XXXX for I NEVER received Account name CAP1/WMT Account number XXXX Account name CAPITAL ONE Account number XXXX Account name CAPITAL ONE Account number XXXX I have contacted this company 3 different times XX/XX/year> XX/XX/year> XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Claims made in your affidavit, if not rebutted, emerge as the truth of the matter. Legal Maxim : He who does not deny, admits. AN UNREBUTTED AFFIDAVIT BECOMES THE JUDGMENT IN COMMERCE XXXX. XXXX See Attached Affidavit
Product: Debt collection

The Law offices of James R. Vaughn has been harassing me over a gym membership that I signed up for in XXXX. I stopped paying for the membership as the locations in Arizona went bankrupt and out of business.. they just started coming after me a few years ago with harassing letters and calls. Showed up at my sisters house and told her I had a warrant for my arrest. I looked at my checking and savings account this morning to find that they had taken out {$3200.00} without my permission. Sending a judgment to my bank.. my bank XXXX XXXX let these funds go without doing reasearch to make sure that this company was even reputable.. I have nothing on my credit for this and no judgments on my credit either.. I did some research on this law firm and it turns out I 'm one of hundreds of people who have been victimized by them ... according to the information I obtained the Law offices of James R. Vaughn in Arizona as of XXXX XXXX is no longer able to collect debt in the state of Arizona. I would love to be able to get my money back as I do n't find it fair that they are able to collect this money after 13 years for a company that no longer exists in the state I reside. This appears to be past the statue of limitations as well.
Product: Mortgage

I have a first mortgage with Mr. Cooper ( formerly Nationstar Mortgage ).  For all ofXX/XX/XXXX my monthly payment was {$1700.00}. I was recently informed that my payment would increase to {$2100.00}, effective immediately. When I spoke to a Mr. Cooper representative, I was told that the escrow had increased due to an insurance increase. But my insurance premium ( with XXXX XXXX ) has not changed from XX/XX/XXXX. I was also told that there was an escrow shortage forXX/XX/XXXXand XX/XX/XXXXwhich I was then paying down monthly. They could not explain why the shortage ( 2 years in a row ) occurred, since they are supposed to determine the escrow payment to not create a shortage. In addition to this latest increase, I have been trying to get any paperwork, like a mortgage agreement, from Mr. Cooper, but all they could provide me with was the original loan documents from XXXX XXXX XXXX, the original lender when I purchased the house in XX/XX/XXXXThe mortgage has been sold twice so far, and I 've never agreed in writing to any changes in terms or mortgage details. I do know, however, that the principal balance on the loan has literally not changed in years. I 'm not sure if I need to hire a lawyer, but I 'm hoping that the CFPB can offer some assistance and advise. 
Thank you.
Product: Checking or savings account

On XX/XX/2022, deposited check to teller for XXXX. Learned next day teller deposited into wrong account. After calls and in person visit to Wells Fargo branch manager, I was told the money would be in my account next morning and the owner of the account went into would never know what happened. The next morning money was not my account and this personal check made out to me has cleared out of the account of person who wrote me the check. I told Wells Fargo I would file complaint. The response of the teller was " do what you have to do. '' This is XX/XX/2022 and money is not in my account nor does it show pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a capital one account on my credit report that says " charge off ''. The problem is, that before it was charged off I tried to see how I got this account ( I did not open it ) and I tried to pay it off to resolve the issue, but they could never find my information in the system to allow me to pay it off. Whenever I call up there to remedy this and pay it off so it comes off my credit report they can not find the account and XXXX unable to pay it.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I did a wire transfer of {$40000.00} to Coinbase from my checking account ending in XXXX. I was expecting it by next day but when I called their bank " XXXX XXXX XXXX '' that was in charge of all wire transfers for Coinbase about the transfer, they told me that due to a memo issue my funds will not be accepted and should be returned to my account within 3-5 business days. 

I call back a week after to XXXX XXXX XXXX  after noticing my funds has not been refunded yet. They told me that due to the influx of new users sending transfers from Coinbase that the wire deposits and refunds may be delayed. I can either send a recall message or just wait up to a month for the deposit to automatically be refunded to my account. Due to recall messages having a cost, I decided to just wait longer for my funds back. 

Fast forward to a few more weeks. It 's been a month already since I first wired the deposit and at this time I 've already sent out 2 support tickets, 4 emails, over 9 phone calls, and even go as far as to contact Coinbase through their twitter account, but no response. The only time they did responded to me was saying that the funds were refunded already but it was not. 

I decided to do a recall message from my bank " XXXX XXXX XXXX '' and called XXXX XXXX XXXX again after a few days to make sure that the recall message was sent. They told me that the message is received by Coinbase and just waiting for them to send me back the funds. It 's been a month already after the recall message and I still have not received my funds. 

So a total of 2 and a half months of wait time with no response from their phone support, no response from support ticket, no help from the one time they responded to me on email which 3 of the emails were ignored, I am still missing my {$40000.00} from Coinbase. I am very unhappy with how Coinbase is holding my funds for such a long time and this is the reason why I 'm filing the complaint.
Product: Mortgage

Please investigate this company! If the CFPB does nothing else. The least they can do is appropriately investigate this company. They have abusive practices and are taking advantage of their access to consumers credit files. My account is current, yet they continue to report it late. Past due payments have been proven paid, yet they refuse to update my account. SAVE XXXX FROM THIS BULLY OF A COMPANY! NO ONE SHOULD BE SUBJECT TO THEIR LIES. FIX MY REPORT!!!!!! As you can see I dont want or need mortgage assistance. My mortgage is forward paid until XXXX currently. The next step is to hire a lawyer.
Product: Mortgage

I am the XXXX XXXXXXXX for a lady whos house burned down. Faye servicing refuses to release the insurance funds to start construction even though all required paperwork has been turned in. They have delayed the construction schedule over 2 months and are holding onto the funds causing higher additional living expenses and delaying construction.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end. I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things ; DELETE THESE THINGS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AND XXXX UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, l will not escalate this matter to Federal Court XXXX In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely XXXX XXXX All Rights Reserved Without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom put me as a authorized user onto her Capital One card but I didnt know or ask I wasnt aware so with that being said she fell behind on her card and its causing my scores to drop significantly I would like to be taken off as a authorized user and correct my scores please
Product: Mortgage

I applied for XXXX benefits at my bank, Navy Federal. They have applied the benefit to all of my accounts except my mortgage. Their reason is that the mortgage was taken out while I was on XXXX XXXX previously. While I have been off XXXX as a XXXX for about 5 years, all of my accounts and loans from every company were started during my original XXXX XXXX date. My federal education loan, XXXX accounts, and my local bank all have applied the relief during my time XXXX. Navy Federal has applied it to my Line of Credit and Credit Car accounts which were started when I was XXXX XXXX. However, for my loan, they are stating since it was started on a previous XXXX XXXX period ( as opposed to the current XXXX XXXX recall period ), they will not apply it to my loan. I spoke with my XXXX on base and he recommended that I file a complaint here.
Product: Bank account or service

i have a checking account with bank of america, in My i was hit on my account ( fraud ) for {$700.00}, comanies i never heard about, talkin to my bank clain agent she said yes they are fraud and credetit me with XXXX Thern i got a new debit card and account #, thought i was safe until the beginning of this month. I receive XX/XX/XXXX checks on the XXXX each month, this month i receive it on th XXXX. What ido is pay ALL my bills, even ahead of time except my mortgage, which is done electronically on XXXX. I was hit with fraud on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. for about {$1200.00}. I called the bank and started a clainm, it was denied, they said it dint follow a scammers pattern, so here i an with XXXX tomy name for a month, i have lupus and very serious pain from XXXX that XXXX dr 's can not diagnosis me, this is goin on 2 years. I went to see my branch mgr abd she helped with with a XXXX clain, i have the charges belowXXXX on XX/XX/XXXX for XXXX prepaid XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX other XXXX was ther but i know they didnt pay it, i believe it was around XXXX i was making my claim i told the woman that i called these companies and they said i didnt even have an acount with them ... .I called next day to fraud mgr, who told me it was denied, i pleaded and told him im broke, he didnt care, i then opened another dispute claim, havent received papers yet, but i asked th mgr if i couldtalk to the investigators and tell them all i tried to do. They openened a hardhip case and that was denied, i am in pain 12 hours a day until i go to sleep, wake up and pains there, i asked the mgr if i could tak to them and he said no, the case is closed. I found you and i do believe ill be able to have a hearing or someway i could talk face to face ... With all this info i cant see how they turned me down. and most messed thing is they PAID all these companies on XX/XX/XXXX!!!!!!! leavin my mortgage there, next month ill be a month behind, Please help me, all this is the truth..If they pulled my other bill payin they would see my patterm and why would i wipe out my account ... .Thank you : )
Product: Mortgage

This company is poor at best. They are trying to have an insurance policy on the home at a cost of more than XXXX XXXX XXXX XXXX. I have an insurance broker XXXX XXXX XXXX XXXX that got insurance for {$4800.00} per year. I made this payment and then I also get a bill from Shellpoint stating that they have Made the XXXX  payment as well. The broker tell me the {$6700.00} policy was canceled see the documents and the then charge a {$30.00} to inspect my home. They reported payments as late. All of this needs to be corrected with all three credit bureaus also.
Product: Debt collection

I called Portfolio recovery about the 2 accounts which I paid and asked for the amount of {$300.00} for a XXXX XXXX debt that has been paid. Additionally there is another collection account in the amount of {$1100.00} that was also paid. I paid this amount and my credit score was decreased a second time even though I paid what I owed on these 2 accounts. I asked Portfolio to remove these accounts from my credit and they mentioned that I had to call all 3 credit beaureas as they will not remove these items. Port folio is the company holding the debt so they are the ones who are in the position to remove such debt. further more the original debt is over 7 years old. Portfolio uses XXXX ( an email verification system ) and can delete directly.
Product: Credit reporting or other personal consumer reports

I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/year> SS # : XXXX Also, the only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file I know that you want proof of my personal information that is listed above so I decided to include this information in the letter to make it easy for you to delete the inaccurate information I also noticed the following accounts reporting inaccurately, there are quite a few of them, which left me a bit shocked and confused! I've listed the ones I saw below but there may be more as I continue to review my report. Mistakes such as these can cost me thousands of dollars in interest a year!

Here are the items that I need to have fully verified as being 100 % accurate :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX, XX/XX/2020 {$280.00} XXXX XXXX XXXXXXXX, XX/XX/2020, {$200.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/2020, UNKNOWN ALL ACCOUNTS ARE FRAUD NEVER APPLIED OR GAVE CONSENT TO OPEN ACCOUNTS
Product: Payday loan, title loan, or personal loan

I was approved for a personal loan through One Main Financial for {$7000.00}. Im on an auto pay of {$300.00} per month in which only {$25.00} of each payment is going to the principal balance. It has now been a little over one year. Ive paid {$3600.00} in which only {$300.00} has gone towards the principal balance. 

Ive requested that {$200.00} dollars of my monthly payment go towards the principal, I was declined. It was said that I had the option to make an additional monthly payment that would go towards the principal, or I could pay the loan off in one lump sum. 

Ive been placed in a position that itll take approximately 7 years or longer to pay off this debt. 

My question is, is this legal? Does the lender have the right to dictate how much of your monthly payment goes towards interest? 

Thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to correct multiple inaccuracies on my credit report, despite my previous disputes. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and verifiable credit report, yet Equifax has continued to report incorrect personal information, unauthorized inquiries, and unverifiable collection accounts. 

Personal Information Errors Equifax has reported incorrect names and addresses that do not belong to me. Despite my dispute request, these errors remain on my report.

Incorrect Names to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct and only legal name is : XXXX XXXX. 

Incorrect Addresses to Remove : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX My correct and only address is : XXXX XXXX XXXX XXXX XXXX, NC XXXX. 

Unverifiable Collection Accounts The following collection accounts are either inaccurate, not mine, or lack proper validation. Under the FCRA, Equifax must remove unverifiable information, yet these accounts remain.

XXXX XXXX ( Original Creditor : XXXX XXXX ) Reported : XX/XX/XXXX Balance : {$120.00} Dispute Reason : Unverified debt, requires full validation. 
XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Reported : XX/XX/XXXXXXXX  Balance : {$610.00} Dispute Reason : Debt does not belong to me, requires full validation. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Reported : XX/XX/XXXXXXXX  Balance : {$1200.00} Dispute Reason : Account information is inaccurate, requires investigation. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Reported : XX/XX/XXXX Balance : {$10000.00} Dispute Reason : Unverified and inaccurate reporting, requires full validation. 
XXXX XXXX XXXX XXXX ( Original Creditor : Purchasing Power ) Reported : XX/XX/XXXX Balance : {$1000.00} Dispute Reason : Debt does not belong to me, requires full validation. 
XXXX XXXX ( Original Creditor : Progressive ) Reported : XX/XX/XXXXXXXX  Balance : {$890.00} Dispute Reason : Unverified and inaccurate account, requires full validation. 
Request for Investigation & Enforcement Action Despite my previous disputes, Equifax has failed to properly investigate or remove these inaccuracies. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 611, which requires credit bureaus to delete unverified, inaccurate, or outdated information.

I am requesting that the CFPB take immediate action to ensure Equifax complies with federal law. I ask that you : Require Equifax to remove all incorrect names, addresses, and unauthorized accounts from my credit report. 
Investigate Equifaxs failure to properly handle disputes as required by the FCRA.

Ensure Equifax provides written confirmation of all corrections made. 
I have attached supporting documents for your review. Please keep me updated on the status of this complaint.
Product: Checking or savings account

On XX/XX/year>, around XXXX XXXX. I used Chase ATM on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . 3rd ATM is on the right side when I go in. There was a security camera and there was a security guard. I used my phone and tapped on the ATM. I deposited cash of {$2100.00} in {$100.00} dollar bills. It spit out {$300.00} and I clicked on deposit more and I put {$300.00} back again. The ATM spits out only {$100.00} this time. So {$2000.00} was put in with all {$100.00} dollar bills. It was finalizing the deposit but, no receipt was given. It didn't print out the receipt. On XX/XX/year>, I tried using my debit card, and it says I don't have money. I checked the account online, and {$2000.00} wasn't showing on my account. I called and filed a claim with Chase, and they said they would give me {$2000.00} while they investigated. So I thought everything was settled, but now they reversed the claim of {$2000.00} and they are saying that they couldn't find anything. I told them to check the security footage and ATM camera but they are saying what they can do is to re-investigate but they can't show me any proof or security footage. It's not a small amount of money that was put in. It's the ATM machine there's something wrong with it and I am the victim here and they are acting like they can't do anything about it. Chase is not a small company, if there is something wrong with the ATM, they should do something about it. This is ridiculous. Please help me solve the problem. They took out my {$2000.00} and are not giving me back my money. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy is showing on my credit bureaus of all three major credit bureaus although the filing was cancelled the same day and therefore it was dismissed with a XXXX balance. 

I have disputed this mater several times and it still shows on my bureau. It was not actually me filing. It resulted in fraud on my behalf. 

Experian XXXX XXXX
Product: Credit card or prepaid card

I have already opted out of receiving prescreened offers by mail as is my right under the FCRA and Capital One has repeatedly disregarded this by sending me them after I have asked them to stop.
Product: Credit reporting or other personal consumer reports

I did not authorize any hospital to release my personal information to a third party collection agency. This is a HIPAA Law violation. This account is also reporting inaccurately, which is not under FCRA compliance.