23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a call for Portfolio say i owe them {$1500.00} and how i will like to pay it i ask them to give me some information on the debt i owe they say they cant tell her over the phone i have to send a letter in to them I them send them a letter of verification of the debt the send me a letter saying the have completed they investigation and the send additional documentation for my review witch is only a print out of a account statement for a balance of {$1000.00} and did not send me anything i ask for in my letter of verification for the debt Explanation of why you say I owe this debt ; Explanation of how you calculated the balance you say I owe ; Explanation of why you say I owe this debt ; Explanation of how you calculated the balance you say I owe ; Copies of any documentation establishing that the debt you say I owe is valid ; Copies of any documentation establishing the date the debt was open ; then they keep on call me ask me to pay the debt I ask for the information i ask them for in writing a over because the cant see nothing were i send a letter and i most have send it to the wrong address I told them it was a register mail them i send them back a register mail NOTICE OF INSUFFICIENT VERIFICATION and the send back the same letter ans statement and still calling me to pay the debt
Product: Mortgage

I have not received a Loan Statement from my Second Trust Deed account from Mechanics Bank ( formerly Rabobank ) since XX/XX/XXXX. Nor do I have access to an electronic statement account record on my online banking profile. I continue to pay this account on time monthly as agreed. 

On XX/XX/XXXX I contacted online banking customer service and was advised by XXXX XXXX in customer service the account status was preventing the account from showing up on my online banking profile. I was directed to call the mortgage department at XXXX a non-working number for assistance. 

Thursday XX/XX/XXXX I contacted Mechanics Bank main Customer Service number and was directed to the voicemail of XXXX XXXX Loan Collection Specialist. I received a return call from Ms. XXXX on XX/XX/XXXX stating the issue was resolved and I should have access to my Loan account online ( this issue remains unresolved as of XX/XX/XXXX ). 

Approximately XX/XX/XXXX I went in person to my local Mechanics Bank at XXXX XXXX XXXX XXXX, CA. I was advised they could not help me, and redirected me back to Ms. XXXX. I emailed MsXXXX XXXX on XX/XX/XXXX, XX/XX/XXXX. Last Ms. XXXX noted was the account was escalated to her manager. I have yet to receive a response from Ms. XXXX or her managXXXX. 

Again approximately XX/XX/XXXX I contacted Mechanics Bank main customer service regarding my lack of access to both electronic and/or paper statements on this account. The representative stated as I had paid the account early, no statement was sent as there was no payment due. I then adjusted my payment to be paid on time. And still, have yet to receive a paper statement. 

On XX/XX/XXXX, I again inquired with online customer service requesting electronic access to a statement of this account on my online banking profile. I received a response from XXXX XXXX who stated the account was not available because it is managed by the Special assets group and " Only Special Assets can release that restriction. '' I was advised to contact Special Assets directly, however was given no direction on how to contact Special Assets. 

I am in the process of refinancing my First/Second Trust deed accounts with XXXX XXXX XXXX I received a request from XXXX XXXX with XXXX XXXX XXXX on Friday XX/XX/XXXX stating they require an updated statement for this account as soon as possible. 

I am concerned the lack of access to either electronic or paper statement for this account will adversely impact my ability to refinance my home. 

Thank you for your assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a correspondence to Experian via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ) it was received on XX/XX/2018, even though the recipient of it failed to sign for it, but according to the tracking it was received. The correspondence was in regards to an account ( XXXX XXXX XXXX   ) on my credit report, that shouldn't be on my credit report. This account is listed as a negative charge off, when it shouldn't be list on my credit report at all. I attached my police report to the correspondence and had my documentation notarized. I am attaching all documentation sent on XX/XX/XXXX, to this complaint. I am also attaching the correspondence from the alleged creditor i.e XXXX XXXX XXXX   where they admit that I was not responsible for another account after an investigation ; this current alleged account is no different ; I am not responsible for it nor is it mine ( XXXX XXXX ). Per FCRA 605B ( 15 USC ss 1681 c-2 ) they have 4 business days to remove the account/item after the police report is received. It has been more than 4 business days since it was received on XX/XX/2018.
Product: Checking or savings account

My XXXX wrote a check to our mortgage company the last of XXXX for our XXXX mortgage payment. At the end of XXXX we get a notification from Chase that there was a fraudalent check ( someone had created a fraudulent check ) and they shut our account down. A week later we get a mortgage statement showing that we havent paid our XXXX mortgage payment. After some digging we realized that our mortgage payment check had gone through the bank but you can see clearly on the check where someone wrote in their name after the mortgage company name on the " pay to '' line. This person is the same person who created the fraudulent check that shut our account down. On XXXX XXXX we went back to the branch and according to the branch manager where we bank frequently she says that check should never have gone through and that its against Chase Customer Policy to allow this to happen. At that time we called the Chase Fraud dept. while at the branch and they told us they would open an investigation and that it could take up to XXXX days for them to get us our money back. I told them that was unacceptable and asked to speak to a manager which they said they would put a request in and they would call me back. On XXXX XXXX I received a call from a manager and explained the situation and his response was that he would expedite our claim and we should receive our money within XXXX weeks. On XXXX XXXX I called the Chase Fraud dept. again to see where the money was and was put on hold for XXXX hour and XXXX minutes until I decided to hang up. I was going to wait to see if the money showed up the following week. So today XXXX XXXX I called the Chase Fraud dept. once again and now I am being told that they have revised the timeline again and it may take up to XXXX days to get reimbursed. This is an atrocity. They made the mistake, yet we are paying the price.
Product: Debt collection

It has come to my attention that Simons Agency has placed a two derogatory remarks on my credit bureau files pursuant to me having paid them what you claimed that I owed them. They are account numbers XXXX and XXXX. 

When I paid them, I relied upon the belief that they would do the honorable thing and remove this derogatory comments from my credit bureau files which they not only failed to do but actually updated the date of last activity on this account, which extends how long it can be reported for. 

In doing so, they obviously failed to realize that the Doctrine of Estoppel directly applies to this type of situation and is cause and more than sufficient grounds for me to file a complaint against them with the Consumer Financial Protection Bureau ( CFPB ) for your violation of the estoppel doctrine of law. 

Here is what the Doctrine of Estoppel is and how it applies to their violations of it. In order for the Doctrine of Estoppel to apply, the party of the first part ( Simons Agency, the collector ) must make some statement or engage in some conduct upon which I have relied and acted upon which later proved to be to my detriment or prejudice. 

In their communications with me they told me that they would update my credit reports as soon as I had paid the debt to them. Quite naturally, I assumed and relied upon their statement to that effect to mean that they would remove the account in its entirety from my credit report. 

The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. Section 623 imposes the following duties : If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). 
Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). 
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).

Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E )
Product: Student loan

So, reading the article just now is telling me nelnet is not under the Department of Education? For years, I have been doing income driven repayment plans. I applied to the Department of Education website .This whole time, I believed they were the department of education. In fact, I reapplied on XX/XX/XXXX, and it has been pending since. They wont answer the phone or emails. Now they are reporting to the credit bureau Im over 90 days late and running around trying to figure out how that is when repayment started on XX/XX/XXXX. Never once until now have I been late, nor has anything been reported. It even says loans that strat with e which mne does repayment starts XX/XX/XXXX. I would never have taken out a loan from a bank or whoever ever nelnet is, and my loan didn't even begin with nelnet it was 25 years ago and was a different name. I always believed the reason it couldn't be added to a bankruptcy is because it was the department of education. BTW it says I owe for 1 month almost XXXX. I don't even make that much a month.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I closed out all positions with Coinbase. Was going to wait til finds cleared and transfer back to my bank. 
That evening the account was hacked and Bitcoin was purchased.

I tried to contact Coinbase but they have no Customer Service personnel. 
So I filled out an online report on the XXXX. 
Later that day, I got a call from what turned out to be scammers and gave them access to my computer. 
I know that sounds XXXX, but I have let other companies do remote access. 
The put in a 2 factor authorization and then bought Bitcoin and tried to put it in another wallet. 
I got an email from Coinbase asking if the transaction was legit and they were holding it for 3 days.. I informed them it was not legit. 
I believe the money is still there as the scammers kept contacting me constantly. 
I finally blocked all numbers. 
I cant get back into my account as I cant access the 2 factor. Ive emailed and filled out complaint forms and Coinbase has sent nothing but they are working on it. Its been over a month. Had close to XXXX with them. Again, logically it make sense that the scammers cant get the money either. 
They kept trying to convince me they were Coinbase employees and wanted another remote session. 
Coinbase was notified within their 72 hour window. I just want my money back obviously.
Product: Money transfer, virtual currency, or money service

On MULTIPLE occasions, I went to CashApp customer service through their chat interface to tell them about being defrauded and in every scenario I was asked to ask the fraudster for the money back. Time after time, my money was stolen and never returned. Furthermore, nothing was ever done about it. No investigations were launched. Chat records can prove this. Please investigate the issues I faced and refund all charges.
Product: Bank account or service

On XXXX XXXX I deposited a XXXX $ check through the ATM. On XXXX XXXX my bank froze my accounts. Claiming they were just trying to verify the funds on the check. I asked why my accounts were frozen. They couldnt speak to that matter. Claiming they shouldnt of been they were just trying to verify the check and they cant unfreeze my account. I called later that afternoon and spoke to the fraud dept once again. This time the representitave said that my account was frozen due to supsicious activity on my end. I then revieved a phone call from the branch claiming thats not true and that it is due the check and verification of funds.On XXXX XXXX my acct was still frozen and noone has any answers for me. Except the individual who wrote me the check. He supplied a photograph showing the check cleared and everything ok on his end. As of tues XXXX XXXX. My bank will not unfreeze my account. And noone has a answer and will not tell me anything. Especially since I have showed proof of the check being cleared. I have had deposits get rejected in light of this. and it has put me behind in rent and my business in jeopardy.
Product: Debt collection

Collection company is trying to collect an early termination fee of {$3000.00} but doesn't have a valid contract. Apartment complex XXXX decided to swap out a page of previously signed contract and the terms of my contract. The complex automatically broke the lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am XXXX  and I lived in CA for two years with a XXXX XXXX. During this time, I worked with XXXX authorization with a XXXX, and I spent around USD {$180000.00} a year ( USD {$100000.00} only in my credit card ). Now, I am coming back to CA to do my XXXX, and I would like to get my credit score. However, the system was not able to get my credit score. Even my bank was not able to see my score ( XXXX  XXXX ). Please, let me know how I could get it back. 
Best, XXXX
Product: Credit reporting or other personal consumer reports

The collection company not responding my request about this fraudulent account opened Curaao XXXX open in XXXX accordance wen the Fair Creat Reporting act Account a XXXX, nas violated my nights.

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

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency I have police report identidid open fraudulent account
Product: Credit reporting or other personal consumer reports

XX/XX/year> I was applying for a refinance of my mortgage. I completed the application on the phone with XXXX XXXX . I agreed to have my credit reviewed. Loan officer stated I had excellent credit ( XXXX XXXX ). Within a couple hours I was solicited by another mortgage company via text, they seemed to have all my credit information. I did not authorize the second company to have my phone number, ssn or credit information, it was totally unsolicited. Their website site claims that the information came from Experian. I feel at least its a bad business practice for Experian to share all my information with the second company, how do I know what they are going to do with it or are they going to keep it secure. At worst I think its a violation of the Fair Credit Act.
Product: Mortgage

I received the initial preapproval letter from PenFed Credit union on XX/XX/XXXX, XXXX.The loan is for a 30 year fixed loan. The expected close date of XX/XX/2020 was listed on the preapproval. On XX/XX/2020 I was allowed to do a 60 day lock. I have tried contacting the Loan Officer and the Loan Processor by phone and email. The loan processor have not called or emailed me back. I emailed both of them in the same email on Tuesday XX/XX/2020 letting them know I would be filing a complaint if I did not here from them today ( Wednesday XX/XX/XXXX by XXXX ). The Loan Officer emailed me back and stated he was busy catching up from weekend and he would reaching out to processor to provide an update. No update received. I've called the bank on a few occurs asking for assistance with no help received. I don't know where I'm at in the process and no one is telling me. They have not requested any information to support the pre-approval. If the close day is not going to happen on XX/XX/2020 the seller and the law office needs that information and I can't get it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted 2 request to have a collection account that was reported on my credit on XX/XX/2021 from a company named XXXX  XXXX XXXX to be investigated since I am a active servicemember with full insurance. The Credit Bureaus, XXXX and Transunion claimed to have verified the debt, so I followed up with a request for verification from them and the Company which reported the Debt. The company XXXX XXXX has not sent me verification requested and it is pass 30 business days. Nor, has the credit bureau given the requested information. I have a rights under FCRA to see the information that is being reported and verify the documents are in fact mines and error free. I have submitted them verification that I should not have a medical debt when I have full insurance that pays 100 percent of medical expenses. I have requested this be removed from my credit file as the insurance and medical provider must settle any debts as a part of my coverage. This further hurting my credit file and inaccurate representation of me as a consumer. I have requested twice that my file be update. XXXX is reporting a medical debt similar with no information provided to counter the account. This is poor work ethic on behalf of the credit bureaus and costing more financial strain to have to resubmit verification of accounts that have already been provided the proof necessary that they are inaccurate. Instead, they are updating the accounts and not speaking to the consumer or providing their methods of verification.
Product: Debt collection

A collection company named Kansas Counselors has reported three collection accounts on my credit report. They were supposed to supply me with a notice of my right to dispute, prior to putting these accounts on my credit report. However, they did not.
Product: Checking or savings account

Thank you for this service. I opened my checking/savings account with Citi Bank the first week of XX/XX/year>. There was a national cash bonus advertised, and I spoke to the representative, who gave me the information, and convinced me to open a savings account for the cash bonus. I have followed the prerequisites needed like keeping the correct balance in my savings account, waiting through the holding period, etc. This bonus should have been deposited months ago, yet it is almost XXXX, 6 months later, and the cash bonus has not been honored. I have over XXXX XXXX dollars in my savings still, which should have qualified me for a {$500.00} cash bonus 60 days after the Balance Maintenance Period as per the instructions. Like I mentioned, it has been six months since I have opened this account. I have tried to reach out a number of times, but to no avail. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We refinanced our Mortgage with XXXX XXXX in XX/XX/XXXX. We were notified that PHH Mortgage, a subsidiary of XXXX XXXX, would be our mortgage servicer. We made our first payment in full for both XXXX ( first payment due after closing ) and XXXX. We then received a notice that our mortgage would be serviced by XXXX XXXX XXXX beginning in XXXX. That letter ( See attached ) stated that our Mortgage balance was {$470000.00} and our escrow balance was {$1700.00}. We then created our account with XXXX XXXX XXXX and made our first payment. A few days later we noticed that the escrow amount with XXXX XXXX XXXX was only {$950.00}. We called XXXX on XX/XX/XXXX to ask where the rest of the escrow went. They told us that PHH only transferred {$950.00} to them when they transferred the loan. We then called PHH to find out where the missing {$580.00} had gone. They informed us that they made a PMI payment in that amount on XX/XX/XXXX. We told them that should not have come out because they took out PMI from our XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) already. Further, they did not issue any statement indicating where our money had gone. We have since received a typed letter simply stating that they made two pmi payments to XXXX XXXX XXXX XXXX in XXXX. ( see attached ) We called our current servicer, XXXX XXXX XXXX to tell them what PHH told us, and they said that as of XX/XX/XXXX the PMI company showed that our account was only paid through the month of XXXX. This means that {$390.00} ( 2 months of PMI payment is missing ). Our new servicer, XXXX, also took out our regular $ XXXX payment from our XXXX mortgage payment. 

From our calculations the mortgage and pmi paid so far should be as follows : XXXX PMI {$190.00} paid to insurance company on XXXX XXXX covers arrears for XXXX XXXX PMI {$190.00} paid to insurance company on XX/XX/XXXX, XXXX covers arrears for XXXX XXXX PMI {$580.00} paid to insurance company ( according to PHH ) XX/XX/XXXX, XXXX This amount should cover XXXX XXXX arrears ), pre-pay XXXX, pre-pay XXXX. 
XXXX PMI {$190.00} paid to insurance company XX/XX/XXXX ( by XXXX XXXX XXXX ) - Should cover XXXX pre-pay if the company received the lump payment from PHH If the PMI was truly paid to the company we should not have PMI come out of our escrow again until XXXX ( to pay for XXXX in arrears ) Attached : Closing escrow statement which shows one month of PMI coming out each month this year ( no where did it say they would make a lump payment at any time ) XXXX and XXXX statements from PHH showing our mortgage payment and the one PMI payment from XXXX The typed letter stating they sent two PMI payments in XXXX The letter of change of servicer we received stating that the escrow that should have been transferred was {$1700.00}
Product: Payday loan, title loan, or personal loan

i went to california check cashing store to get get a pay day loan they said could not get one that i had one out already tolled me call XXXX XXXX   i told them i pay my loan on XX/XX/2019 and here is XX/XX/2019 and cant get one, so call the number they said that they didn : t have it call this number XXXX XXXX they said they sold it two another company and told me call XXXX XXXX XXXX i did not i remember getting something in the mail so i call them at XXXX XXXX XXXX which is not check cashing they said i was ok toll me go back to store if have problem have them call us back, then i was told no once more, because of another loan so call back number XXXX XXXX XXXX they because didnt meet criterion you can retry in one mouth, but the guy i talk too before said i would never be allowed to loan with them again, when iam paying mine loans, and how many people have my info what do i do.