23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, we applied to have a loan modification due to not being able to afford the mortgage. 

The loan modification was approved and we signed paperwork for HUD to apply {$24000.00}. The loan amount was {$110000.00} to start XX/XX/XXXX. This would make the payoff XXXX in XX/XX/XXXX. 

I have made all my payments since this time, and I am in process of refinancing my loan. US Bank is attempting to add a different HUD amount to my US Bank balance bringing my payoff XX/XX/XXXX to {$130000.00}. The error amount is {$14000.00} US Bank is not providing a payment history ledger showing how my payments have been applied. 

My current balance on their website is {$93000.00}. They are attempting to increase my current balance {$14000.00}. 

There is no way my current loan should be the same as I purchased the house for in XXXX. 

It appears US Bank misfiled the HUD amount and they are attempting to correct it to {$24000.00} from the {$14000.00}. In addition, they are wanting to add this to my balance, which is XXXX  % not correct. 

I am requesting US Bank to provide all documents of the proper HUD amount and ledger of my transactions from the time they assumed my loan from XXXX bank to the loan modification and after.
Product: Checking or savings account

A couple months ago I tried to open a USAA account. A day or two later I tried to access it. I was given a message saying " Due to past difficulties, we can no longer offer you access to usaa.com. If you feel that we have restricted your access in error, please call toll-free XXXX. '' I called this number and they tried to help me. The lady at the time was very friendly and assisted me thinking it had to do with my last name, because I have a hyphen. We changed that and I was told to wait a couple days before accessing it again. I did that and had the same error. I wasn't that disturbed because I wasn't in need of a new bank yet. Now that I have PCS 'd I am in dire need of a new bank account. I had just today contacted them again. Now they tell me that I am not eligible to even have an account with USAA ... There explanation was " We are exercising our rights not to do business with you ... '' I am extremely irritated ... They listed numerous possibilities why I could have been banned. Fraud and bankruptcy were a couple of those. I have great credit, no criminal history and never been bankrupt ... No other annotation were left, so the rep couldn't help me out ... They wouldn't allow me to talk to the fraud department and just told me " yeah sorry, we just can't offer you our service any further. '' Would never recommend them to anyone.
Product: Credit reporting or other personal consumer reports

XXXXXXXX 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 AUTORIZE THESE INQUIRES PLEASE REMOVE THESE INQUIRES PLEASE REMOVE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently just paid for a copy of my credit reports. upon looking at all of my reports. I noticed that all the three credit bureaus do not match. From the best of my knowledge, all the information reporting with these bureaus should match if they were properly verified as they have continued to state. Also, I'm aware that a collection/charge offs is by default a closed account. 
XXXX XXXX XXXX ACCOUNT NUMBERXXXX IS REPORTING ON XXXX AS CLOSED YET ON EQUIFAX AS XXXXPEN. AND ANOTHER MAJOR DISCREPENCY IS THAT ON EQUIFAX, THE DATE OF THE ACCOUNT BIENG OPENED VS THE DATE ON THE LAST ACTIVITY. THIS IS A HUGE INACCURACY. 
XXXX XXXX, ACCOUNT NUMBER:XXXX  THIS PARTICURLAR ACCOUNT REPORTS INACCURACIES ON THE LAST DATE OF ACTIVITIES ON ALL XXXX BUREAUS. AND ALSO, IT REPORTS DIFFERENT PAYMENT DATES ON THE CREDIT BUREAUS. I ALSO NOTICED THE HIGH BALANCE AMOUNT IS DIFFERENT IN ALL THREE CREDIT BUREAUS. I HAVE ATTACHECHED A COPY OF MY REPORT AS EVIDENCE. 
XXXX XXXX, ACCOUNT NUMBER:XXXX. 
THIS ACCOUNT REPORTS CLOSED ON XXXX REPORTS OPEN OF EQUIFAX. THIS IS A HUGE DESCREPENCY. THE HIGH BALANCE REPORTS ON XXXX AS {$5600.00} WHILE IT REPORTS ON EQUIFAX AS {$0.00}. THIS ACCOUNTS LAST DAY OF ACTIVITY DOES NOT MATCH BETWEEN EQUIFAX AND XXXX.
Product: Mortgage

I just received a letter from Shellpoint Mortgage Servicing ( aka Newrez LLC dba Shellpoint Mortgage Servicing ) stating that I am " in default under the terms of the documents creating and securing your Loan... including the Note and Deed of Trust/Mortgage/Security Deed for failure to pay amounts due. '' They are asking for the money by XXXX, XXXX which is not even 30 days notice. 

In short, they are notifying me of intent of foreclosure proceedings. 

The problem is, I am NOT behind in my mortgage payments and have proof of such. What has been happening since beginning XXXX of XXXX is they have been accepting my payments, and then REVERSING them for reasons I do not understand.
Product: Money transfer, virtual currency, or money service

I will try to summarize ; On the XXXX of XXXX, my friend who was in XXXX at the time of transaction sent the sum of {$5600.00} to my PayPal account, I was supposed to use some of it that day but then I received another note on my PayPal account saying my account access has been temporarily limited and some information is required before I can get back to access my account features. I obliged and submitted my bank statement as it was required. I was supposed to wait a day or a couple. After a few days of not getting a reply I called and spoke to a service representative but he was cold to me and was asking how I knew my childhood friend which was weird to me but then I told him and afterwards, he was quick to tell me that my friend is a criminal and my account was not going to be rectified. Shortly after, I got a note saying I cant use PayPal anymore and that the money on my balance will be held for 180days before I will get an email of how Ill get my money. 
Ive never had this experience but I know for sure this is XXXX. I asked my friend to make contact from her end, and she was told that the payment was made using family/friends so PayPal wont hold on to the payment and that I should contact PayPal. 

Now, Im frustrated but I had to call back again only for a different agent to tell me that my PayPal activity is the reason why Ive been locked out of accessing my money. Asking what PayPal activity exactly but there still is no reasonable answer instead the customer service agent tells me theres nothing he can do and ends the call. Now Im very confused, stressed and tired of this whole drama. 
Can someone explain to me in real sense why I cant have access to my own money which I happen to have LEGALLY on the PayPal platform? Is this a joke? 

Im attaching some screenshots of the service replies and the chat between my friend and an agent just incase it will help in anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoke to Chase about this matter following the bankruptcy in XX/XX/XXXX, they said they would start processing it. In XX/XX/XXXX I spoke to them again and was told that my lawyer did not fill out and send the proper forms to make them comply so they were not going to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the 3 credit bureaus ( XXXX, Transunion, & XXXX ) for them to investigate 4 accounts that are reporting on my credit report that I have no knowledge of. I demanded, based on the Fair Credit Reporting Act, that they send me proof ( signed contracts ) that the accounts belong to me or remove the fraudulent accounts from my credit report in which they are required to do if they can not submit verifiable documents of each account. 

Letter 1, 2, 3 & 4 was certified mailed to XXXX, Transunion & XXXX respectively on XX/XX/2018 ( letters 1 ). 

XXXX : XX/XX/18, XXXX : XX/XX/18, Transunion : XX/XX/18 ( letters 2 ). 

XXXX : XX/XX/18, Transunion : XX/XX/18 & XXXX : XX/XX/18 XXXX letters XXXX ). 

XXXX : XX/XX/18, Transunion XX/XX/18, XXXX XX/XX/18 ( letters 4 ). 

The accounts that were requested by myself for Transunion, XXXX, and XXXX to investigate are : XXXX XXXX XXXX, XXXX XXXX, XXXX Card, XXXX XXXX. 

Each time I sent a letter, their investigation came back as the accounts being verified as belonging to me without sending me a copy of verifiable proof of a consumer contract with my signature on it. XXXX also sent me 2 out of their 4 response letters that they have sent letters previously regarding my dispute ( which was just them saying that they investigated and verified the accounts as mine without verifiable proof ) and that they will no longer investigate my accounts. The response letters they sent were dated as follow : XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 Transunion : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 All of which they claim to have verified the accounts as belonging to me without sending a consumer contract with my signatures.
Product: Debt collection

I had my identity stolen and a bunch of credit cards opened in my name without my knowledge or approval. I have gotten all of them taken off except XXXX with Macy 's Department Store/DSNB account # XXXX which also turned into a collection account with a company called XXXX XXXX XXXX. I keep getting phone calls from XXXX XXXX XXXX trying to collect over {$2000.00} from me which is not my debt. Each time I give them my social security number they tell me that 's not correct, when I tell them this was from identity theft they do n't believe me. I have sent all the credit bureaus, XXXX XXXX and Macy's/DSNB copies of police reports, my identification documents, letters stating this was all from identity theft and they need to remove it all from my name immediately ( many letters ). They refuse to delete and keep calling to collect, keep reporting this negatively on my credit report also. This is hurting my credit score, my credit report and my life. I have been fighting this since XXXX 2015. XXXX XXXX XXXX refuses to send me any proof of this debt also when I ask. They say since the social security number does n't match they ca n't send me anything on it but they refuse to take me off the debt that I did not incur. I need your help in getting this resolved and my name removed from this un-related debt and my credit report fixed also. Please help me, I have exhausted all my efforts up until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these files : 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. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I submitted a withdrawal of funds from my Coinbase account to my XXXX bank account. According to Coinbases ACH transfer policy, the transaction was supposed to take 3-5 business days. However, as of today, it has been 7 business days, and I have not received the funds. 

Coinbases platform shows the transaction as completed, but this is inaccurate. I provided Coinbase support with screenshots of my bank statements and transaction history to demonstrate that the funds have not been received. I also contacted my bank, which confirmed there are no pending or incoming transfers from Coinbase.

Despite repeated follow-ups, Coinbase has neither provided an update nor resolved this issue, effectively violating their stated 3-5 business day transfer timeline and failing to ensure my funds were properly transferred.
Product: Debt collection

Several years ago I got a notice from XXXX that I owed them {$260.00}. There was no specifics attached to bill, such as date of charge or what was purchased. This was odd because I had never had a XXXX account. I did report this by phone to XXXX but I never got an acknowlegment. But bills stopped. Recently got notice from Jefferson Capital that debt had been sold to them and now they are trying to collect. They sent me a form to fill out but I am reluctant to give them my social security number. I have no other issues with identity theft at this time. I want their harassing letters to stop.
Product: Money transfer, virtual currency, or money service

Myself and my children have cash app so I can send money to my children for things they need my son had multiple charges on his account for hundreds of dollars from XXXX. The first charge of {$100.00} we called cash to put a hold on his account and refund his money ( he does not have uber or ever used his card on an uber app ) cash app never put a hold on card and next day he had an additional charge for another {$100.00}. We were never refunded my money or contacted by cash app. I ended up taking him to XXXX  XXXX XXXX and opening him a checking account. The company had no live operators to help with this problem everything was done the app.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Transunion have incorrect information on my Credit Report that that needs to be deleted within 30 days, The Information belongs to someone else with a similar name i mailed them many time about this. The following info is the claim numbers that were givien to me when we filed the claim. They promised me it would be deleted in 30 days and gave me the following confirmation, they have not removed it within 30 days so thats what this complaint is for. 

XXXX XXXX # XXXX Transunion XXXX XXXX XXXX XXXXXXXX, pa XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dispute reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because EQUIFAX refused and ignored the request to provide me with documentation that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify the accounts, under Section 611 ( 5 ) ( A ) of FCRA they are " required to promptly delete all information which can not be verified. '' Please resolve this matter as soon as possible. Thank You
Product: Debt collection

XX/XX/21 Credit Corp Solutions sent me a letter stating they were pursuing debt payment of {$130.00} for a XXXX account in the name of XXXX XXXX. the notice doesn't say when the debt was incurred. I called them to explain that isn't my name and that I have an active XXXX account of my own with my correct name. They sent me a " Response to dispute and verification notice '' and wanted me to have it signed by a notary public but the paperwork is still addressed to XXXX XXXX, which is not me, XXXX XXXX. Credit Corp Solutions also believed this was probably a fraudulent attempt to collect money. Credit Corp did state that this fraudulent XXXX account was using my social security number but had a bogus email account tied to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$140.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to EXPERIAN for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

The balance owed is reporting inaccurately across all 3 credit reporting agencies for my Wells Fargo installment loan, acct XXXX XXXX XXXXXXXX. This is my second time addressing this issue, and I am entitled to an accurate and complete report. The balance left is {$11000.00}. I also notice my account was a credit sale. The dealership I got the vehicle from did not offer me an installment loan at all, and therefore the information is inaccurate and needs to be removed.
Product: Debt collection

my granddaughter and I rented an apartment at XXXX XXXX   XXXX. in XXXX  as she was going there for college. We trusted the girls that showed us a one bedroom apt , as they did not have a 2 bed 2 bath open at the time. We paid and put one on hold as we had to get back to XXXX. We were notified that apt , was  ready for move in on XX/XX/19 and they suggested we sign lease etc.online. we did what was asked of us when we arrived I signed more papers for them without seeing the apt . the girl then took us to a filthy apartment that had not been cleaned and smelled terrible. ( I have pictures ) We were told the cleaners were on vacation. As I tried to give her the keys back I was informed that we would have to buy out of the lease which would be $ XXXX.if paid that day. Now I check my credit and they have said we owe them more.I had given them over XXXX already. I reported them to XXXX consumer protection division fraud department They sent me a notice on XXXX XX/XX/19 letting me know there was no response from XXXX  XXXX  and I would have to contact small claims court with an attorney. I am a sick XXXX year senior on a fixed income trying to help my decesed daughters child get to go to college and we were took advantage of by these girls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Macys, has violated my rights. This is my second complaint to the cfpb in regards to this late payment that is being reported on my consumer report. 

15 USC Section 6802 ( b ) ( 1 ) ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I did not receive any communication giving me the opportunity to opt out of the reporting. 

15 USC Section 6802 ( b ) ( 1 ) ( c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was not aware at the time that I had the right to opt out. If it was explained to me as stated by law, I would have had the chance to exercise the right to opt out. The terms and conditions were not clear and did not give me the opportunity or knowledge to opt out of the reporting. I am just now hearing about an opt out option from MACYS in the letter where they responded to my first complaint. 

15 USC 1681 ( A ) ( 2 ) Exclusions : BY LAW consumer report does NOT include ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transaction history should not be on my credit report and I did not give MACY 'S permission to report my information. I would like for this account to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im tired of going back and forth with XXXX XXXX about my own privacy. Not only do they continue to report my personal informtation without my consent, they never informed me i have the option to opt-out and grabing my personal information for their own personal finical gain since before i was of legal age to sign any thing. Their finical gain off my persoanl life is hindering my ability to put my children and myself in a better living situation. I do not qualify for a new home or a new car for my childern without having adverse reaction on all applications due to XXXX XXXX and the rest of the gang " all CRA 'S '' including XXXX, Equifax and XXXX. Not only are all of these companies making hand over fist off my personal information. They are putting me and my childrens life in danger by reporting my personal addresses that i did not give consent to. I am a victim of XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX. Yet these companies disregard any permissible purpose by grabbing this information for thier own monteary gain. These companies never properly investigate my disputes and continue to send automative messages back to me and never send the proper requirments following my Cease and desist. At this point these compaines are slandering my name. All these companies ganging up aganist me like a XXXX case, with intent and reckless regard to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have to work more hours and spend less time with my children. Im stressed out from the blant disrespect. I cant even give my children the XXXX they deserve because of my character being slander through all these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.