23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a residential mortgage with TIAA Bank. They purchased Everbank who had my loan for over 15 years, the entire time with XXXX XXXX as my insurance company. So TIAA purchased my loan that reflected the same insurance company for over 15 years. I recently decided to change insurance companies. After much research I decided to sign up with XXXX XXXX insurance. On XX/XX/XXXX I signed up, and 24 hours later, after discovering my agent lied to me about my coverage, I canceled it on the XX/XX/XXXX - 24 hours later. I had requested that I pay the first years premium out of my checking account. However on XX/XX/XXXX - despite not authorizing TIAA to  disburse anything out of my escrow account, and despite having only a declarations page from XXXX that was already invalid from being cancelled - TIAA Bank gave XXXX XXXX {$2100.00} out of my escrow account putting me at over a - {$1200.00} ( negative balance ) in my escrow account right when property taxes were being paid! TIAA not once called me, did not required something with my signature authorizing payment from my escrow account, or did it do anything to verify that XXXX had any authorization or basis to take money from my account at that point. Recall the policy was canceled XX/XX/XXXX, and TIAA paid them {$2100.00} on XX/XX/XXXX. It was not until I received a letter from TIAA over a week later that I discovered XXXX had my money, and I had to contact them and demand that be refunded to get it back. TIAA did nothing to correct their error, I did all the work. I want the CFPB to investigate TIAAs violations of their escrow account regulations and their mishandling of my escrow account, their failure to confirm the validity of a request for payment, and their failure to verify with me that I was in fact making a change to my insurance carrier. Fortunately I had not canceled my policy with XXXX XXXX, so that was still intact. TIAA took no steps to ensure the sole document they received to demand payment, a mere declarations sheet, was not fraudulent or contrived. Given TIAAs lack of protective or responsible actions, it is clear that anyone could obtain TIAAs mortgage loan numbers and then submit false declarations pages from a fake insurance company and clean out a lot of money from a lot of escrow accounts held by TIAA! I am now very stressed and worried that they are not going to protect my funds, not theirs, from fraudulent activity they clearly have no processes they follow or protections they go through before handing out checks! 
I dont need to talk to them, I already wasted a couple of hours of my time arguing with them about how irresponsible and unacceptable this was for them to allow, and they dont appear to understand the problem. Im done speaking to them, they need to be investigated and examined for the violations theyve committed.
Product: Checking or savings account

I mailed a check to a " XXXX XXXX ''. I bank with Chase. The check was cashed by " XXXX XXXX XXXX '' at XXXX XXXX XXXXXXXX. XXXX is at fault for not matching the payee to the back endorsement. Chase has been giving me the run around for 2 months. First, they gave me the wrong forms to fill out. They informed me several weeks later that they needed new forms. I filled out new forms with the bank manager and faxed them. Several weeks later they wrote back that they closed my case. The Bank manager called their fraud dept. again and this time they claim they couldn't read the form although the bank manager had no problem reading it. Filled out the form for the third time. Still, no return of my {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and found this company purchase this debt from my lender which this belong to that company not me. The purchase agreement if any is between the collection company and XXXXXXXX XXXX It clearly States debt buyer on my report. This not my account once they sold it to the collection company. This collection also not registered with XXXX XXXX XXXX XXXX  so that mean I owns nothing to this collection company also the collection company don't have a sign agreement with myself. Now that XXXXXXXX XXXX sold the debt can we have report XXXX balance.
Product: Money transfer, virtual currency, or money service

Coinbase ( and its subsidiary XXXX ) have submitted a 1099-K showing an incorrect amount of gains to the IRS on my behalf. I have tried contacting them multiple times via their support email address and each time they have ignored the problem or otherwise not fixed it.
Product: Money transfer, virtual currency, or money service

Hi I faced a problem with Coinbase cryptocurrency exchange. And not only me as I found out. I have sent USDT cryptocurrency to Coinbase USDC wallet of my account. Then I have contacted the both companies and had the replies : XXXX- we are not able to help you with the recovery unless Coinbase  will send us a direct message confirming your deposit and address along with the permitiin to recover the funds for you. XXXX regards, XXXX Coinbase automated answer- Coinbase is unable to retrieve this cryptocurrency because we currently do not support it. Regards, Coinbase support.

As we can clearly see, it is easy to recover the funds. It just depends of attitude to the customers and authorities who bond cryptocurrency exchanges to follow the standard business practices. There never was just adequate response from Coinbase and they feel free to ignore the customers keeping customers money on their account. 
You are the part of the Gov what we elected. Please act to protect fair people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there was a new collection account on my credit report and when I went through the information I noticed this was not actually a new collection account but an account that was transferred to a new collection company. The company is Stellar Recovery and the original creditor is   XXXX   XXXX  . The amount is {$460.00}. This debt had previously been reported by   XXXX   XXXX   starting in  XX/XX/XXXX . Stellar Recovery is reporting this as a new collection. I contacted Stellar on Monday  XX/XX/XXXX  in order to have them fix this information and they said because they just received this account it is a new collection. I contacted   XXXX   and  XXXX  on  XX/XX/XXXX to have them look into this information and they told me they could not help me. On  XX/XX/XXXX  I contacted the CFPB and they told me to file a complaint. I feel that this is an attempt to reage this account as the account numbers were also changed and it is being reflected on my credit report as a new account even though this debt had been previously reported on my credit report through another company. I need help with this and having this information corrected as my credit report dropped  XXXX  points for this account and wrong information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Member Number ID XXXX Subject : Dispute of Incorrect Charge-Off Entry on Credit Report Dear XXXX, I am writing to formally dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, the charge-off reported by XXXXXXXX XXXX XXXX, account XXXX XXXX XXXX, XXXX {$54000.00} is erroneous and does not accurately reflect the current status of the account. 

XXXX. XXXX Bank account date opened XXXX no account number {$3100.00} reported has a charged off with no account number to identify it my account. 
XXXX. XXXX acct XXXX date opened XXXX. Balance report {$3600.00} XXXX. XXXX XXXX  account number XXXX Account {$3700.00}. Date open XXXX Under FCRA Section 611, I have the right to dispute incomplete or inaccurate information, and the credit bureau has a legal obligation to investigate the matter thoroughly. I have reviewed my records and identified that this charge-off may have been reported inaccurately due to the following : XXXX. Federal Case Status : This account is related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX XXXX, XXXX ) .The plaintiff claimed that the defendants violated the FCRA by inaccurately reporting her debt as charged off. The court 's ruling highlighted the critical role of accurate reporting and the necessity for plaintiffs to present substantial evidence of inaccuracies and resultant harm. which is impacting my credit report.

2. Violation of Reporting Guidelines : As per 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum accuracy. Reporting a charge-off while the account is under dispute or litigation may constitute a breach of this requirement.

3. Reinsertion Rules : If this charge-off has previously been removed or disputed, reinsertion without proper validation under FCRA Section 611 ( a ) ( 5 ) ( B ) would be unlawful. 

XXXX. Including the Data breach at XXXX in XXXX and XXXX. Failure to properly investigated disputes please See Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


I request that you investigate this matter promptly and either verify the accuracy of the charge-off with proper documentation from this Companies or remove the entry from my credit report. Enclosed, please find the following documents to support my dispute : XXXX of the credit report showing the disputed entry Please complete this investigation within the XXXX timeframe mandated by the FCRA. I expect written confirmation of your findings and the resulting actions to be taken regarding this entry. Requesting the removal of this negative information and account of my credit report. 

Should you require further information or documentation, feel free to contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I am writing in regards to Capital One Platinum credit card. I received an offer for a new Platinum credit card in the mail about a year ago. It had a XXXX percent balance transfer offer. I calculated the amount I would need to pay in order for me to pay off the balance completely by the time the introductory rate would begin. I began making $ 500 monthly payments to the Capital One account on a monthly basis. I was told when I opened the card that I was allowed to pay the balance in advance with no penalty. After paying the XXXX monthly payment to Capital One for about 6 months, and never hearing from them via phone, email, or mail, I logged on to my account to see what was left of the balance. To my surprise I was billed a late fee for numerous months. Having made {$500.00} payments for approximately 6 months I should have been paid through the end of the year. After calling Capital One I was informed that they do not allow consumers to make payments in advance. 

How is it legal for Capital One to not allow me to pay in advance. I pay my car loan payment 3 months and I pay all of my other credit cards 1-2 months in advance. I have never had in institution tell me that they do not accept payments in advance and regardless of timing if they do not receive a payment by each months due date, even if that amount has already been paid in advance, that they will bill me a late fee. If they have received the funds and I am paying as agreed how can I be assessed late fees on monies already received by Capital One. How can this be legal?
Product: Debt collection

Remove from credit report. I did not consent to Nelnet. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Debt collection

I am receiving repeated, continuous robocalls from Midland Credit Management on my cellphone, harassing me on a daily basis. I have no debts and have no reason to be receiving these calls. I have also sent a cease and desist letter. 

This unnecessary harassment needs to stop interrupting me throughout the day multiple times -- and without cause. I suspect that I am on their list because mine is a common name, and the company has not taken the time to investigate fully if they have the correct person.
Product: Debt collection

name of collection company " convergence outsourcing '' keeps calling about a XXXX bill in which I had is {$250.00}. I did not make a {$250.00} bill with them
Product: Debt collection

XXXX received a debt collection from Kings Credit Services from XXXX XXXX XXXX, Account Number XXXX stating that I owe them {$2000.00} dollars to a vehicle that I had taken off my name and no longer owned the vehicle and harassing me every other day that they will put that towards my credit if I do not pay the balanced owed. They threatened me and told me that last 4 digits of my social security numbers and they will go ahead and add it towards collection if I do not show them any proof before the XXXX od XXXX, XXXX that the vehicle is and was no longer under my name since they had picked it up, I went to the DMV today XXXX/XXXX/XXXX and explained them my situation and they gave me this information on who to contact, please help me I do not want my credit ruined or for them to keep harassing me for a vehicle that was no longer in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from capital one bank .. for starters they stated my credit wouldnt be ran and they ran it and after they ran it.. I called them and ask them why and she couldnt give me a answer so I canceled the account and she told me that nothing was in the system but its on my credit report
Product: Vehicle loan or lease

I was in XXXX an the time, ,my wallet and personal belongings were stolen,,, I'm a victim of identity theft
Product: Credit reporting or other personal consumer reports

Equifax has been reporting 2 collection accounts under my name and has not provided verifiable information to me.
Product: Checking or savings account

I have not been able to access my account at Ally Bank for the past 5 days. 
Their customer service phone numbers do not work. 
For the past 5 days, the site Ally, com loads but the links are dead. The page then disappears. A message says Something has gone wrong. 
Their customer service phone number ( XXXX XXXX ) connects to a high pressure medical device company. 
Their Report Fraud number ( XXXX XXXX ) does not connect at all. 
Can you help?
Product: Debt collection

I checked my credit score in which I now see a debt of {$850.00} from a company named XXXX XXXX XXXX which I have never heard of. Indicates this was opened as of XX/XX/2021. I have no idea who this is. Plus shows the debt collector is CREDIT WORLD SERVICE. I have not received anything in the mail indicating details of this so called debt. And I am getting strange phone calls from folks that do not say my name when leaving messages and do not leave phone numbers either. Please assist as to how this can be removed from my credit ; I do not know who XXXX XXXX XXXX is.
Product: Mortgage

Gateway morgage XXXX reperested the details of the loan when aquiring the loan I closed on my property last year XX/XX/XXXX ( XX/XX/2022 ) I have paid XXXX percentant towards my property To make it easier for me i considered to escro even though i didn't need to I asked the lender on a phone call and have also an email, what would be the requirments if i decided the following year not to do escro, her response to me was i would only have to stay on the escro 6 months then request to be off of escro if decided to do that Now that i decided not to do escro they are claiming i owe them XXXX $ to break the contract There is nothing in my colsing documents that states that nor was that disclosed by the lender I contacted them my phone, they are refusing to cancel the escro until i pay them XXXX $ They have also went and canceled my atuo payment with out my consent
Product: Debt collection

They contact me Everyday since the beginning of XX/XX/2018. I told Portfolio Recovery ( the collection company ) that this is not my debt to pay. They also try to get me to make a verbal agreement without my understanding of what they were doing. Please help this is affecting my credit. They say I owe them about {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter last month on XX/XX/2023. I told the credit bureaus to investigate every information on the accounts I have listed below. Also, I have attached the letter I sent out. 

According to the FRCA the term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, all information on these accounts is still not reporting 100 % accurate. According to the FCRA 15 USC 1681- everything has to be 100 %. I have the credit report showing the inaccuracies. 

Listed as follows- XXXX- not mine- not verified! must be removed! 
XXXX  XXXX XXXX-Account # XXXX not verified/ not accurate- must be removed! 
XXXX not mine/ not verified! must be removed! 

Inquiries- Must be removed- never approved by these companies. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We are working with the Oregon Foreclosure Avoidance ( OFA ) program and paid a small fee for that. We have no problem with them or the program, but we do with Mr. Cooper. 

We sent in the application for modification within that program on XX/XX/XXXX. The bank did not ask for any additional documents. We went to a Resolution Conference on XX/XX/XXXX. The bank representative stated that they had not considered the new application because they had just denied us for a modification in XXXX of XXXX. They said they did not look at the new application we sent in, in XXXX. We would like to complain that they did not follow guidelines and give us a determination based on the application sent to them on XXXX XX/XX/XXXX. I can get written statements from the housing counselor and the moderator of the Resolution Conference. 

Related to this, is that in the denial letter from XXXX, they stated that the application was denied because it didn't meet one or more of a list of reasons but didn't specify. During the meeting they said it was because the loan was originated after XX/XX/XXXX and that that was an FHA rule. I looked at FHA rules online and saw no such restriction. 

Thank you.
Product: Checking or savings account

I have just been informed that im in the check system and can't get the I need because I can't show proof on income, some has used information to opened up some accounts in my name
Product: Bank account or service

I have been a netspend customer for 7 years. I have worked for the same company the entire time and i have my bi-weekly check direct deposited into my account. This week i received a bonus which put my account balance over the maximum on the card. As a result my account was frozen. I immediately called in and they said i needed to provide proof of deposit from my company. Our payroll department immediately provided. Then radio silent. I called back in XXXX hours later to check status. Customer Service informed me that they had all they needed but it take XXXX hours to process. Fine. So after the XXXX hours expired i called back ( XXXX time ). The rep told me that she did n't know why it had n't been unfrozen but assured me they had what they needed. So once again i hung up. then XXXX hours later i called again. I asked to please talk to the documents department and they said they can not call them. But they emailed. Low and behold right after that email went i receive a notice that they still have n't received the documents they need. Now keep in mind no one told me any documents were required beyond proof of deposit even though i asked XXXX people. So i immediately sent the documents. That was at XXXX yesterday. So i called again last night at XXXX to check to see -- what else was needed, what are next steps. Again nothing other than it takes XXXX hours. So this morning i call back ( call number XXXX ) and once again there is no update. Then they transfer me to the fraud department. The fraud guy says he does n't know why i am there and puts me back with customer service. So the new customer service agent asks for all of my informaiton again and then says i need to hang up and call back in. that is when i lost it. Finally i spoke to a supervisor who supposedly sent another email and apparently was going to document that this needed to be escalated. I am now back on the phone ( XXXX call in but XXXX person i have spoken to ) and she said they ca n't address until monday because the people are n't working. BRAND NEW NEWS. So i am on hold once again waiting for supervisor and all of this time my money is locked down. Once again i understand need to do verifications but this is insanity and i honestly feel like i am losing my mind. This whole process has to be illegal. I honestly can not believe that not XXXX person can get a clear status update. What they do n't realize is that this completely messes up people 's lives severely. Sad, tragic and completely has me in tears.
Product: Debt collection

Enchanced Recovery is violating the Fair Credit Reporting Act. I had an account with XXXX XXXX XXXX back in XX/XX/XXXX. I had an issue with XXXX XXXX. They were supposed to make a website for my business and never completed the task. I disputed this in XX/XX/XXXX through XX/XX/XXXX. Enhanced Recovery bought the debt and despite many requests have never validated the debt with us. Now they continue to report the debt even though they can not prove we owe it and it is past 7 years FCRA rules.
Product: Debt collection

In XXXX of XXXX, I mailed a debt validation and cease and desist letter to Midland Credit Management ( MCM ). They received it on XXXX XXXX. I then received a collection letter dated in XXXX XXXX. Then starting receiving collection e-mail 's XXXX XXXX XXXX then XXXX XXXX, XX/XX/XXXX and finally XXXX XXXX.