23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The servicer is asking for canceled Social Security checks from the Borrower because he cashes his checks instead of depositing. The award letter was provided for both him and his wife. THe servicer will not move forward with the modification until they get canceled checks from the social security office which will take some time. The borrower and co borrower are a XXXX XXXX. It is very difficult to get back and forth to the bank and other places when the servicer keeps asking for docs. So it takes time to get the docs and send to them. The home is in danger of foreclosure.
Product: Vehicle loan or lease

In XX/XX/XXXX I financed a XXXX XXXX XXXX with around XXXX miles for {$14000.00}. I have to date paid {$9600.00} on the loan to Bridgecrest. I looked at my payoff today and the amount to payoff loan was {$15000.00}. How is it possible for a auto loan company to apply 0 to your principle for 21 months. I had an appraisal done for trade value and the car is worth {$4000.00}. I can not sale. I can not trade in the vehicle. At this rate it will be trash before it can be paid off. How are companies aloud to be predators to consumers?
Product: Money transfer, virtual currency, or money service

Once again I am contacting you regarding Coinbase. I sent a transaction which has been completed on the network, but the cryptocurrency never arrived in my Coinbase account. The company has no representatives available to customers. In fact, when you attempt to contact them, they force you to use a chatbot which offers no means of resolution. Then when I request a live agent or a call back, I am notified that my wait time exceeds XXXX hours " due to high call volumes ''. Coinbase is a multi-billion dollar financial entity which refuses to employ adequate staff to conduct business efficiently, instead choosing to outsource customer interactions to foreign call centers ; so usually it's obvious that the " agent '' you're forced to interact with barely speaks XXXX. For XXXX consecutive days I have been unable to get assistance. I want my money returned to my account and to be compensated for the loss of liquidity and to be reimbursed for the total value of the asset at the time the transaction was completed. My only chat interactions were absolutely pitiful. I was basically told " we know your money isn't available. Our team is working on it. We have no estimate for when it might be resolved. ". This is entirely unacceptable, and this is precisely why I am contacting you now. I've also written to my state and federal representatives so that they'll understand the woeful current state of regulations surrounding cryptocurrency. This is outrageous!
Product: Mortgage

I applied for a conventional loan, 30 years fixed rate, refinancing of my current home. I specifically asked the mortgage broker if the charged off account needs to be paid. The broker ran my application and came back with an answer that all XXXX does n't need to be paid but XXXX of them need to be paid and the loan moved to next stage. While waiting for the under-writer, I paid the charged off account ( which was already past SOL ) around {$1200.00}. I paid for the home appraisal and appraisal was done. I got a mortgage commitment letter, after the loan was reviewed with the underwriter, saying that any disputes needs to be resolved and also asking for updated bank statement. Today I got an email saying that all charged off ( non-mortgage ) account needs to be paid before they can close my loan for my primary home. This is against XXXX XXXX Guidelines which clearly says that " For one-unit, principal residence properties, borrowers are not required to pay off outstanding collections or non-mortgage charge-offs -- regardless of the amount ''. I have XXXX accounts in my credit report which are charged off 5 years ago. There is a notation in the credit report that total balance is " past due '' which is the result of account being a charged off account. The account is being mistaken as " past due '' when it 's actually a charged off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several letters to Equifax disputing the account from XXXX card and i also submitted a dispute troughs the CFPB but in the answer they said is : that the company verified the that information is true and correct, which i know for a fact that the information is not correct because they did nothing besides updated the payment history reporting the charge-off over and over again after the account has been closed and then reporting on time payments once again and also the date of last activity still does not match with XXXX or XXXX date of last activity This account is a complete violation of the FAIR CREDIT REPORTING ACT Remove this account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 letters by certified mail, return receipt to Transunion. The first letter was dated XX/XX/XXXX return receipt # XXXX, requesting for the method of verification they used to determine the items being reported on my credit report were mine. Transunion received and accepted my letter through registered mail dated XX/XX/XXXX. To date I have not received a response. A second letter sent datedXX/XX/XXXXreturn receipt # XXXX, stating notice of intent to file a complaint with the FTC and CFPB was received and accepted by Transunion datedXX/XX/XXXX. To date I have not received a response.
Product: Mortgage

I am in the middle of year 2 of my chapter XXXX. Flagstar purchased my mortgage from my original lender. My mortgage is being paid by my Chapter XXXX  Trustee. They have been doing this since the beginning of my Chapter XXXX.

Since flagstar purchas
ed my mortgage they have been sending me 2 notices a month ( both acknowledging my Chapter XXXX  ). One on available resources to change my payments, and the 2nd one an invoice for the delquency.

Today I received a certified letter stating that it an attempt to collect this debt. I still have 19 months before my discharge.

Is there anything I can do about this harassment? Flagstar bank is the only one of my creditors that is doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITI CREDIT SERVICES IS IN VIOLATION OF THE FDCPA & FCRA. 
PLEASE REFER TO THE DOCUMENTS ATTACHED TO THIS COMPLAINT
Product: Student loan

The beginning amount of the loan was {$34000.00} and in the spring of XXXX it was transferred to AES and at that time the loan had increased to {$41000.00} due to interest on deferments ( I guess ). For the next 5 years we paid back {$14000.00} ( and {$620.00} in late fees ) and our loan has since WENT UP to {$46000.00}. 

So over 5 years we paid approx. {$14000.00} and the loan BALANCE went UP by {$4000.00}. 

In XXXX alone we paid {$3700.00} and our loan did NOT decrease by even one cent. 

In addition our payments have increased from {$260.00} ( in XXXX ) to {$300.00} ( in XXXX ) to {$530.00} ( in XXXX ) When I contacted them about it they said " The loan increase is related to the type of loan you have, that when you get closer to paying it off, the payment increases '' when I replied that can't be true because our loan balance has went from {$41000.00} to {$46000.00} even after paying {$14000.00} she said well I will put you through to our loan officer dept. and then I was on hold for 12 minutes and then they just hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the inaccuracies removed from my account. Transunion allowed the company ( XXXX ) to add a bogus account to my consumer report. 

Within the last 72 hours a fraudulent company appeared on my credit report. When I noticed it high called trans union and they said that the account have been reporting since 2017. This is not my account this account just appeared a few days ago and I want it deleted forever I dont know who this company is. Attached you will find a copy of the name of the company and note it is a NEWLY ADDED ACCOUNT.
Product: Debt collection

Back in XXXX sometime I started looking into my credit files more due to wanting to buy a home. I was shocked to find a few items still reporting or reporting at all. So I got to working fixing paying, disputing anything that was wrong which was this account but with another collection company at the time so I disputed it and it came back as deleted due HIPPA LAWS and other info could n't be verified. Now the same account but with a New COMPANY has reported against me XX/XX/XXXX with no letter or statement or simply saying that company has that account. So I tried calling the company after googling the number and the people are rude as all heck and they wont give you any info except for its a past due amount from when you in the hospital or something about the hospital, could n't understand her that well. I disputed it on the XX/XX/XXXX also through XXXX and today XX/XX/XXXX very next day right I dispute this, Commonwealth Financial Systems reported against my credit for late payments! how can I be late on payments when I never had payments nor with this company! How can they report while I 'm disputing this? Plus I have had my name and SSN used so much in the past.
Product: Mortgage

We were trying to resume payments on our father 's mortgage, who is XXXX at the moment, and the company that his mortgage is with is constantly giving us the runaround. We have sent in numerous documents more than once and it seems like it is not enough as we are always told something different everytime that we call. My brother and myself have been added as the authorized third party for the duration of the loan because of my father 's XXXX and we have even been working with The XXXX XXXX XXXX of XXXX XXXX as well. XXXX XXXX XXXX XXXX whom we are working with as well have sent over information to his mortgage company twice and they said that they are still waiting to hear back from them. We have sent in three loss mitigation applications. One was on XX/XX/2022. Another was on XX/XX/2022. And one was on XX/XX/2022. We have also sent in notarized documents. The first one for some reason they said they never received it. They told me it was sent to a location of theirs that is no longer in business. We sent in another notarized documents they we have the receipt for and that was sent out on XX/XX/2022. We have been trying to get this resolved really since last XXXX. It seems like most of the representatives at this mortgage company is not on the same page and we know that time is of the essence and we want to get this resolved as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX BANK XXXX Date opened XX/XX/XXXX Balance {$1100.00}, XXXX - XXXX SERVICE XXXX Date opened XX/XX/XXXX Balance {$38.00}, and XXXX XXXX BANK, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
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 Account # 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: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2021 ) I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Act 15 USC 1681 section 602a states There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under the title. 15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and surely do not have my written consent. Any and all consent to Equifax, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) state that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given explanation of how the consumer can exercise that non disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my non disclosure option. Not only does 15 USC 1681C ( a ) ( 5 ) state Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e statesEvery consumer reporting agency shall maintain reasonable procedure designed to avoid violations of 15 USC 1681c if this title and to limit the furnishing of consumer reporting to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedure. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt-out at any time. I am opting out of your reporting service.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX HAS PULLED MY CREDIT 3 TIMES XX/XX/2021 XX/XX/2021 XX/XX/2021 I DID NOT GIVE XXXX XXXX XXXX THE PERMISSION TO PULL MY CREDIT. THIS INQUIRY IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I HAVE TRIED REACHING OUT TO CREDITOR AND TRANUNION WITH NO RESOLUTION OR PROOF OF AUTHORIZATION.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act 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.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

This is NOT a duplicate report and this is not filed by a XXXX party or XXXX XXXX XXXX. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions.

Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And might I addThere are quite bit of different names and addresses on my credit report that I I do not recognize and never used. Here are all the names XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX And there are several phone numbers that are not my number. So I asked that it be removed. There is employment data reported from a XXXX XXXX XXXX XXXX XXXX XXXX Please remove these items account names and phone number from my credit report.
Product: Debt collection

Message Body : I dispute all bills from XXXX XXXX XXXX, in due the fact I 'm under XXXX XXXX ASSISTANCE PLAN CODE XXXX. 
Please remove my name from all Collect Agencies XXXX 

Thanks!