23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage that is currently being held by Statebridge Company, LLC. In XXXX XXXX they stopped sending me a paper mortgage statement. I wrote a letter AND called every month requesting a statement. They did not reinstate my paper statement until XXXX XXXX at which time it said that my mortgage payment was reduced. I paid the regular payment anyway in XXXX. In XXXX I received a statement saying NO PAYMENT DUE. I called and was told that the payment was indeed lowered based on an escrow analysis and that my taxes AND insurance were still being escrowed. In XXXX XXXX I received a new analysis and my payment had skyrocketed. They informed me that my escrow was short and that they needed to recoup their money. They also informed me that they STOPPED escrowing my taxes. I never gave them permission to do this. I also do not know what happened to all the extra money I was sending prior to learning that my payment was lowered. They 've totally screwed up my account and created a payment I can no longer afford. They told me I needed to buy a property I can afford and it 's not their problem. I have nowhere to turn and can not afford the higher payment. I escrowed my taxes because I can not afford a large lump sum payment.
Product: Debt collection

Upon verifying my credit reports, it appears that this company is being deceitful. They are using two different names on two different credit reports. On XXXX, they go by XXXX XXXX XXXX  and on XXXX, they go by XXXX XXXX XXXX. The billing statement that was sent to me is from XXXX XXXX XXXX. I verified that XXXX XXXX XXXX are not licensed to collect in the state of MI. Prior to determining that they were not licensed in MI, I sent them a letter requesting validation of the debt of which they state I owe. To date, I have not received a response, however the certified letter that was sent to them was received less than 30 days ago. At this point, I am requesting immediate removal of this collection account from all bureaus of which this account is being reported.
Product: Mortgage

our problem has been going on for three months..our loan company has not paid the taxes on our home and they are collecting escrow fees. we are with lakeview loan servicing and called their number only to find out that number is no longer in service. we have been forwared to XXXX and giver a case number of XXXX and have been told that they would contact me within 48 hrs? so far we have had NO contact within one month and have received a letter from XXXX assesors office that as of today XX/XX/XXXX the tax 's were STILL NOT PAID! we just need somebody's help you can reach me XXXX XXXX At XXXX XXXX XXXX Please Help
Product: Credit card

I ordered clothing from an on line seller/store XXXX XX/XX/XXXX XXXX paid for the product using my cashapp card. no product was received or shipped to me
Product: Vehicle loan or lease

I paid above the minimum payment every month ( for 3 years ) and never could get Wells Fargo to apply my payments correctly. Because of this, I was unable to pat down my auto loan accordingly as interest fees & chargers were continuously applied to my account that otherwise were incorrect and higher than they should have been had my additional payments been applied correctly to my balance. This is in response to Wells Fargos settlement lawsuit as I have recently closed my Wells Fargo account and no longer have a line of credit with them.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX {$700.00} ( Experian XXXX XXXX XXXX ) I am writing to formally request the deletion of an account listed under my credit report. The account in question has been marked with eOscar dispute code 40, indicating that litigation is involved. As per the regulations and due to the ongoing legal proceedings, I am requesting that this account be removed from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. 
Under 15USC 1681, Section 602 states I have the right to privacy.

Under 15USC 1681, Section 604A, Section 2 states a consumer reporting agency can not furnish an accout without my written instruction.

Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

the company has guided me towards forbearance while doubling my rates, when the rathes got too high they put me on a rate reduction program which then made it nearly impossible for me to get in contact with helpful members or any team that speaks to me like they care at all they purposely gave me the run around every single time my online account summary never matches with the timely payments i make every month, they harass my cosigners, & make it hard to repay in a sensible way
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law 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: Money transfer, virtual currency, or money service

Coinbase ( Coinbase.com ) not helping me since XX/XX/XXXX. 

I lost access to the email address ( email was terminated ) on record with Coinbase. Since Coinbase 's service sends sign-in verifications to the email address on-record, I can not sign into my coinbase account. Coinbase will not assist me in re-gaining access to my account through other means. 

I followed all the steps to reset my account in : https : //support.coinbase.com/XXXX XXXX and then contacted them about it on XX/XX/XXXX.
I still can not access and withdraw my money from the locked account. Since I first contacted them for help in XX/XX/XXXX, Coinbase support only sent automatic answers which did not solve the problem.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit. Despite reporting discrepancies, my financial institution failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and has allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I have made several attempts to contact Experian for reporting inaccurate accounts but they have not been compliant with responding to my inquiries and accounts.CHARGE-OFF DEBT HAS BEEN FILED AND IS NOW TAXABLE INCOME AND CAN NOT BE REPORTED TO YOUR CONSUMER PROFILE. After informing Experian of violating my rights, they still refuse to remove the charge-off accounts. It is no longer debt, as it is now taxable income per the IRS. this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to All 3 credit bureaus and no one seem to resolve the issue with the inquired on my credit reports. I havent ran my credit and need these removed in order to purchase a home in the near future.
Product: Vehicle loan or lease

On XX/XX/XXXX around XXXX I arrived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX to apply for a vehicle. XXXX XXXX is the Vehicle XXXX handling the credit application for the vehicle. He was informed I would be using the XXXX for my business that is owned by XXXX XXXX XXXX XXXX XXXX and XXXX this is a Consumer Credit Transaction. He informed me that the credit application had been given to the XXXX XXXX XXXX and ran to XXXX XXXX for the extension of my credit. Actually, it appears the request has been sent to XXXX different banks and XXXX XXXX does not appear on that list. However, I confirmed XXXX different times that my credit is approved for the white XXXX XXXX LS XXXX ( XXXX : XXXX ) but I was told a down payment of {$5100.00} is required first. The standard price for this vehicle is {$26000.00} and total vehicle price is {$28000.00}. I am not sure how much the loan approval was for, as I was not told, but the offer to use gold/silver was presented. I thought per the Gold Clause Act and laws referring to lawful money, this would mean that the full satisfaction of the debt would be met by doing so. The XXXX XXXX XXXX stated he would use the gold/silver for up to 75 % conversion. 
As the single owner XXXX '' individual '' /unincorporated association XXXX XXXX assumed the Consumer Credit Act ( XXXX XXXX ( XXXX ) would apply to my application as well as the proper endorsement " by : XXXX, XXXX XXXX ''. 
Per the FCRA, XXXX XXXX XXXX, XXXX XXXX XXXX a ( b ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( f ), XXXX XXXX XXXX and XXXX XXXX XXXX I am requesting clarity and guidance. This business seems fair and has been kind to me thus far, and I would like to commence my business with them, but our information seems to be conflicting at the moment.
Product: Credit card

On XX/XX/2023 i purchased an engine from XXXX XXXX owns a XXXX locating services. I gave XXXX credit card information to charge my card for {$7000.00} the {$7000.00} charge appeared on my app letting me know that the transaction was completed. XXXX informed me that the funds were not available to him on his side. I had a carrier there to pick up the engine but they would not release the engine because the funds were not available to him at that time. We agreed to cancel the original transaction by having him, reject it to make the funds immediately available back to me. I then called Barclays my credit card company on a three-way call with XXXX to make sure that when he rejected the original payment of XXXX that it came back to my credit card. Once XXXX assured me that the money was returned on XX/XX/XXXX, i then approved a {$3500.00} charge to XXXX and then I sent him {$3500.00} through cash app to complete the transaction of a purchase of a {$7000.00} engine. The XXXX {$3500.00} transactions appeared on XXXX systems and he then released the engine. A few days later, I noticed a an additional charge of {$7000.00} from XXXX XXXX locating services which is XXXX business. I called my credit card company to dispute the additional {$7000.00} charge that process went on for a few weeks, there was some confusion about what I was disputing. They refunded me {$3500.00}. I wasnt sure why I told them again that I was disputing the additional {$7000.00} charge because I sent XXXX XXXX locating services XXXX payments of XXXX which completed the purchase of a {$7000.00} engine. Barclays then took the XXXX credit back. I sent them proof of the XXXX transactions of {$3500.00}, XXXX on the credit card and the other on cash app. I was then informed that the time to dispute the transaction was outside of their terms of disputing transactions. I called back and stated that I disputed this transaction a few days after I noticed the additional charge. Barclay said that that dispute was closed because I already received a credit of {$7000.00} but that credit was because he rejected the original purchase not because of a result of a dispute. And because of all the back-and-forth now theyre telling me that its too late to dispute the same {$7000.00} additional charge that I was asking them to look into from the very beginning but now its too late to dispute. The original credit of the XXXX that I received was because the merchant and I agreed to reject that transaction because the funds were not showing to be available at that time not sure why maybe because of the time of the day had something to do with it because I think it was like XXXX. So we decided to break it up into two smaller transactions. There was no dispute there. We agreed on that with Barclay on a three-way call with the merchant because I wasnt going to authorize an additional {$3500.00} transaction until I felt comfortable with the original XXXX credit return to my cart. So buy them closing the my original dispute that was an error on their part not mines. Please help because Barclays is not playing fair.
Product: Vehicle loan or lease

A car loan was taken out in my name in XXXX California. I live in XXXX California, am a XXXX XXXX XXXX XXXX  Veteran, and do not drive. On XXXX XXXX, 2024, I received a bill stating that I owed XXXX for a XXXX. I called the company and was told they had my current ID picture, social security number, and signature. They also told me they had talked to me on the phone, stating that I had signed up for the car. This is untrue. I never signed up for a car, nor did I buy a car, nor did I give my information to anyone to purchase a vehicle. This is identity theft and a crime. 
I have reported to local police in XXXX California, XXXX XXXX XXXX, and the Federal Trade Commission. The company 's representative told me I may have forgotten they talked to me. This is untrue because the company called me at my XXXX XXXX XXXX XXXX, and two assistants heard my conversation with the company 's representative. Unethical used car dealerships are using identity theft tactics to sell cars, and credit companies are aiding the car dealerships for financial gain. The thieves and salesperson collaborated with the contract and falsified my identity. Now the credit company is avoiding giving me any falsified contracted documents signed.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Checking or savings account

On XX/XX/2021, I tried to access my account at Marcus.com -- an online bank operated by Goldman Sachs Bank USA -- that I opened more than two years ago. I could not proceed to access my account without inputting my occupation and salary information, which the website claimed is " legally required. '' I'm told after 40+ minutes with customer service that the requirement is mandated by federal law. I know of no federal law that requires a bank to obtain occupation and salary information after opening a savings account, and the representative was not able to provide support. Certainly there is nothing in the deposit account agreement that a customer has to provide -- or continuously update -- occupation and salary information. Can you please help?
Product: Credit reporting or other personal consumer reports

To Whom it May Concern : I am very concerned that you have violated the Fair Credit Reporting Act by placing a hard inquiry on my XXXX credit report without my consent. The FCRA permissible purpose provisions specify that you must document your reasons as well as my consent for placing a hard inquiry on my report or remove the inquiry. Please provide documentation of my consent for any inquiries you have placed on my credit report or remove them immediately. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the XXXX XXXX and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 Section 602 states a consumer agency can not furnish an account without my written consent In accordance with the fair credit act these companies listed violated my rights! 

Credit Inquiries XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had an XXXXXXXX XXXX  XXXX card added to my credit report which was done falsely. XXXXXXXX XXXX took me to court and failed to prove the account was mine in front of a judge so the case was dismissed ( court documents attached ). I have repeatedly asked for the account to be removed from my credit files, Transunion, XXXX and XXXX and XXXX Bank has not completed this request. I spoke to XXXX in XXXX Investigations on XX/XX/XXXX and again two weeks later and he shared the account was already marked as closed and was marked to have it removed from my credit files back in XXXX. The investigation XXXX did showed that it was not my account. Yet the account still remains and they refuse to remove it from my credit files.
Product: Debt collection

On XX/XX/XXXX I received a letter in the mail and in that letter was another letter which was from ERC. ERC had sent the letter to an address in XXXX XXXX Iowa and that occupant had opened my mail. I have never lived in XXXX XXXX. I've lived in XXXX all my life. I know they have my correct address because they have mailed a letter before and I disputed.
Product: Student loan

I have attempted since XX/XX/2023 to submit payments for my federal student loans. When I reached out to Edfinancial, they were not able to provide any details as to why my payments keep getting reversed. In fact, I received confirmation notices that my payments were submitted, each time I attempted to pay, yet they were all rejected. Interest continues to accrue on the full loan amount, despite attempting to payback the loans. 

After waiting a response from Edfinancial for over 8 MONTHS, Edfinancial has still not provided a solution for not being able to pay my loans back, or address the fees and interest accrued as I was working with the CFPB and Edfinancial on case XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX -> Reporting Negative/Past Due to ALL 3 Bureaus : - XXXX - XXXX - XXXX In which I've currently had a lease since XXXX of XXXX and with the lease ending this year. 

XXXX XXXX had reported a late payment for XX/XX/XXXX and XX/XX/XXXX. This report is false. I've always been on time on all my payments, from auto and credit cards. I've already reached out to a representative in XXXX & they waived the " late fee '' charge. However they have reported it to all 3 bureaus that I have a late payment. 

I've already mentioned this issue to TFS - everytime I log in my account there is typically a pop up on the top of the page stating that the website has technical difficulties.
Product: Debt collection

Opened on XX/XX/2017. Amount owed is {$1400.00}. XXXX XXXX XXXX. I have not been provided service from this company. I have signed no contracts with this company. I am not nor have I ever been affiliated with this company. I am under zero legal obligation to this company. This company is demanding I owe them {$1400.00}. This company is infringing on my unaliable rights to life, liberty and the pursuit of happiness. I have submitted multiple disputes to this company through XXXX XXXX that I am not under any obligation to pay this company. This company is illegally demanding payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection showing on my credit report from XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX. This is not my debt, and I requested validation of the debt repeatedly from the credit bureaus, but have received no validation, or even confirmation of an investigation. I also requested validation directly from XXXX by certified mail. They received that letter at XXXX XXXX on XX/XX/XXXX, and I still have not received any sort of response from this company. I also tried speaking XXXX resolve this issue, and they told me that the address where the service was provided was XXXX XXXX XXXX XXXX, XXXX OR XXXX. I have never lived at that address, and in XXXX my address was XXXX XXXX XXXX XXXX XXXX OR XXXX. This is not my debt, and the bureaus should not be showing it on my credit report.
Product: Credit reporting or other personal consumer reports

The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with XXXX XXXX, I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it once again. This is my follow-up complaint to my previous submission. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$700.00}