23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, my mortgage was transferred from XXXX XXXX  XXXX ( now out of business ) to Loan Care Mortgage. Loan care claims that I am behind a mortgage payment. 

I have been in correspondence ( ie, email, phone calls, letters, etc ) with Loan Care since XX/XX/XXXX - trying to resolve this problem. 

The problem stems from them ( Loan Care ) claiming that they never received a payment that I made to XXXX on the month my mortgage was transferred. 

I have sent to Loan Care - from my Bank - bank statements verifying that all payments were made to XXXX before the transfer. Also, since the transfer, I never missed a payment to Loan Care. It is obvious that Loan Care NEVER received the XXXX payment from XXXX and have be charging me late fees. 

Another problem is that when they recorded my payments - their accounting system posted payments late ( not to mention the payment in XXXX to XXXX ). I have pointed this out to them, but after speaking to countless representatives from Loan Care including their research department, no one has been able to answer my questions or provide me with any " missing payments ''. 

So the most recent correspondence I received from them ( XX/XX/XXXX ) is a notice to Foreclose on my property. 

I am contacting you for any assistance or advice you can give. 

Thank you XXXX XXXX XXXX XXXX XXXX After doing some research on Loan Care on-line, apparently I am not alone. There are other complaints and dissatisfaction with the way Loan Care handles Mortgage Transfers from other mortgage companies.
Product: Debt collection

The only date I have is from Source Receivable MNG, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX. Dated XXXX. I have lived at my present location for almost two years. They are saying I owe XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX {$150.00}. 
I have no knowledge of this debt. I have nothing in writing. When I asked the collection agency for proof, they said I had to write them a letter requesting information. I find this hard to believe as if they had proof they would send it.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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: Debt collection

On XX/XX/XXXX I sent XXXX a letter asking them to send me all documentation in reference to this account on my credit and they only sent me typed contract no photo identification and I have a fraud alert on my credit. 

I was also never gave permission to open an account on my behalf. 

Violation # 1 According to consumer law section 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy Violation # 2 According to consumer law section 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction As the consumer and natural person, I am invoking specified remedy and make the following demands : - Cease and desist reporting of this ACCOUNT to all consumer reporting agencies. 
- Remove reporting of such account from all consumer reporting agencies. 
- Provide a complete and updated consumer file for without the alleged debt as assembled by XXXX  - Provide acknowledgment of this official notification that I am opting out of your reporting. Do not report ANY information bearing my identification.
Product: Debt collection

I have contacted the collection agency and asked them to provide me with contract with my signature to verify that this is my debt to pay. The collection agency has not provided proof of this being my debt to pay. I also have disputed it through the three credit bureaus. 

I am unsure what else to do except seek further help in getting these matters resolved. Below is the name of the collection agency I have contacted and asked them to provide me with the above mentioned proof. 

4. TSC A/R Solutions/ Original Creditor : XXXX XXXX XXXX $ XXXX/ First time contacting this agency was XX/XX/XXXX. Sent me a print out provided me no signature for this debt. I also contacted the HIPPA office on XX/XX/XXXX. Received no reply. 

The latest letter I sent was on XX/XX/XXXX.
Product: Checking or savings account

Optum Financial issued me a check for a reimbursement claim on XX/XX/XXXX. The check stated it was valid for 120 days. I went to deposit the check XXXX days later on XX/XX/XXXX and the check bounced, incurring me a {$30.00} returned check fee. I was not notified in any way that the check had been cancelled, although Optum claims they sent me an email. 

I have received emails in the past regarding checks nearing their expiration date for previous reimbursements which is why I know I did not receive an email for this instance. Even if I had received an email from Optum for this claim, their emails are a general template that state, " Our records indicate the check has not been cashed. If you have not done so already, please cash the check before the expiration. '' In this case I was cashing the check at XXXX days, which is before the 120 day expiration date. At no point ever ( in emails, on phone calls with customer service agents, on public websites or forms ) does Optum state that their checks expire before the stated " Void after 120 days '' clearly printed on their checks.
Product: Money transfer, virtual currency, or money service

Four months ago I replace my phone and when I got my new phone I was unable to get into my Coinbase account I contacted them many times I can not access my money I can not move my money and there is no other way to contact them outside of email. I am just trying to gain access to my account so I can transfer and close it at this point I cant do anything and no one there is capable of correcting this issue it seems..
Product: Debt collection

Attention Chief Compliance Officer : I am writing to dispute the following information on my credit report : Account Name : Midland Credit Management Account Number : XXXX Balance : {$1200.00} Date Opened : XX/XX/year> I believe this information is inaccurate because I have no recollection of this account and do not believe I owe this debt. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ) [ 15 U.S.C. 1692g ( b ) ], which allows me to request validation of any debt being collected. 

Under this provision, I request : 1. Agreement with the Original Creditor : Documentation granting your company the authority to collect on this alleged debt, including evidence of assignment or ownership.

2. Signed Agreement : A copy of the original agreement bearing my signature, wherein I agreed to pay the original creditor.

3. Proof of Ownership : Documentation verifying that you own or have been assigned this debt and have the legal right to collect it.

4. Account Statements : A complete accounting of the alleged debt, including all transactions, fees, and interest.

5. Statute of Limitations : Verification that this debt is within the applicable statute of limitations for collection. 
The FDCPA further mandates that during the debt validation process, all collection activities must cease until the requested validation has been provided. Therefore, I request that any collection efforts be halted immediately while this matter is under review. In addition, under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. I kindly ask that you investigate this claim and provide the requested documentation as soon as possible, but no later than 30 days from the date you receive this letter, in compliance with the FCRA [ 15 U.S.C. 1681i ( a ) ]. Failure to comply with these requirements may result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue.
Product: Credit card or prepaid card

Having only XXXX credit card in my name, I began researching different reward credit cards to find an offer that was of most value to me. I selected an offer through the XXXX ap for an American Express credit card. The offer was for XXXX XXXX XXXX  as well as a free reward night if I spent {$2000.00} on the card within XXXX months. Upon spending {$2000.00} within XXXX months I contacted American Express to see the status of my free night reward. I communicated with an American Express representative through the chat feature and she explained I would be contacted in a week after researching. I was never contacted and followed up by calling American Express. I spoke with XXXX who is a supervisor and she stated upper management would not be honoring the advertised promotion of the free night. I explained I had proof of the offer and promotion through a screenshot I took during the time I applied for the credit card. I would not have paid and selected a card with a {$95.00} annual fee if I would not be receiving the free night being offered. I believe this is another example of consumer harm. XXXX XXXX has been advocating to end. I would be willing to use my example in showing how credit card companies are harming consumers.
Product: Credit reporting or other personal consumer reports

I asked for goodwill, but the company did not respond appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done everything I know to do and sent documents regarding this account on my credit report and proved the violation of my rights for 12 months now but they will not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Original Creditor : XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Phone Number : ( XXXX ) XXXX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This is a inaccurate Fraudulent account and I've also been contacted by your company about a debt you allege, I owe several times from XXXX Account Number : XXXX. This has hindered me from being able to provide for my family on many occasions. This Collection account is reporting as a Delinquent Account and recently changed into a repossession with a past due balance of [ {$9100.00} ]. Please be advised that this account is only shown on Experian not XXXX or XXXX. This is a Fraudulent Item also displaying that it is a joint account! I do not know anyone of the name XXXX XXXX. I am frustrated and irritated please correct this immediately According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I am requesting that your company provide me with debt validation be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). Please provide a breakdown of fees, including any collection costs. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. 


Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a bluebird prepaid card that offers mobile check deposit in MINUTES. It's been over an hour and my check has not deposited. I called 8xs and got transferred to ingo where I was " 3 '' in line and no one ever comes to the phone! This is against the law either approve my check deposit or decline it so I can go somewhere else XXXX And XXXX were two of the reps I talked to at bluebird they like the other 6 hung up on me too!
Product: Credit reporting or other personal consumer reports

I am writing with a heavy heart to formally dispute inaccurate information that is being reported on my credit report. The following items are incorrect, and the stress they are causing is deeply affecting me. These errors are negatively impacting my credit score, and I feel helpless as I try to resolve this issue : Account Name : XXXX XXXX  Account Number : XXXX Balance : {$5500.00} Reason : I am deeply concerned about the missed payments and late payments on this account. I respectfully dispute these charges and kindly request that you provide statements and records of all payments made and missed since I opened this account. 
Creditor type : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX  XXXX Account Number : XXXX Balance : {$260.00} Reason : I am deeply concerned about the missed payments and late payments on this account. I respectfully dispute these charges and kindly request that you provide statements and records of all payments made and missed since I opened this account. 
Date of Last Activity : Inaccurate Creditor type : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX  Account Number : XXXX Reason : I am deeply concerned about the missed payments and late payments on this account. I respectfully dispute these charges and kindly request that you provide statements and records of all payments made and missed since I opened this account. 
Date of Last Activity : Inaccurate Creditor type : Inaccurate Payment status : Inaccurate INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX It is truly disheartening to see that these items are either inaccurately reported or have already been resolved, yet they remain unresolved. I kindly ask that they be thoroughly investigated and corrected. Despite my efforts to reach out to the credit reporting agency and the data furnisher, the issue persists. I have attached supporting documentation and screenshots of my credit report to show the inaccuracies and to support my claim. I sincerely hope that this matter can be investigated as soon as possible, so my credit report can be updated to reflect the accurate information.
Product: Debt collection

Merchants credit guide continues to send me mail and report I owe to the credit bureau and that XXXX told them to do so. This is incorrect I contacted XXXX myself and have proof mailed in to each credit bureau that I have XXXX balance and this was taken care of. I have a XXXX  XXXX I was homeless and XXXX held under a XXXX XXXX. This was never even billed to me or even had a home to mail the bill too to even be aware of it. I lived in shelters, on the street and ended uo attached with XXXX  and XXXX XXXX and XXXX and put in a XXXX XXXX  for almost another year. XXXX told me Through maio  and over the phone to disregard bill. I have the proof and paperwork and have mailed it to everyone. Including the credit agency still reporting i owe. Its called a gift or care and also its against my rights to charge me while holding me against my will. I have proof of XXXX, homelessness, etc. Gift of care was what XXXX referred to as balance owed being {$0.00}. I sent the letter from XXXX to MCG and they still are saying I owe a balance which I do not. I also qualified for XXXX at the time and that was never run through nor was I able to make any mental or financial decisions due to my XXXX  XXXX which I still suffer from and XXXX. Please remove from credit I have contacted them multiple times and they refuse to resolve the issue when XXXX already has. Account balance is {$0.00}. Completely covered. Admission XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX and was sent out to additional XXXX hospitals immediately from there. I received no info about any of this until I was stabilized enough and checked my credit to see this and was appealed. The way they have treated me after multiple calls is not okay. Please help. Thank you!
Product: Payday loan, title loan, or personal loan

Today I was denied a personal line of credit with USAA. Im XXXX XXXX  and have been for 5 years. I also receive a XXXX check from the VA thats deposit into my USAA account for 8 years. I submitted my VA eligibility paperwork for income and 2 tax years of my income with my XXXX XXXX I was told by the USAA rep. XXXX that my income paperwork couldnt be valid. I questioned what he was saying because he sound very arrogant and rude on the things he said to me. I filed my XXXX as my name only as a sole proprietor since Im single member LLC and XXXX I added a business name on my Schedule C and schedule F. I opened a second business in XXXX and was separating my business losses and income from each business separately which is why XXXX had 2 business names. I explained this to USAA and informed them I have the exact same business for 5 years, same field of work and I can also provide 1099 and bank acct statements from my business acct. with XXXX per their website. They refused to take them and denied my loan for not able to verify my income saying my business name had to be the same for 2 years although its the same field of work. They couldnt provide me where it shows that on their list of rules since I didnt see that on the website.I told the rep that I feel discriminated against being a XXXX Women thats gross 7 figures because XXXX immediately switched his tone and became very rude and unpleasant when he seen how much I gross on my paperwork. My credit is good and now I have a hard pull on my credit report that I worked hard to maintain. The hard pull will cause my credit rating to drop when in fact I qualify for that loan and way more. I been with USAA for 10 years, have XXXX XXXX dollars worth of whole life insurance, car insurance for 4 vehicles worth over XXXX, home insurance on my XXXX house, and 3 accounts with no issues ever.
Product: Money transfers

I received a phone call at XXXX on Thursday XX/XX/XXXX ... caller ID showed that it was XXXX XXXX XXXX ( our bankruptcy attorneys ). A man identified himself as XXXX XXXX, a lawyer with the group told me that he had just gotten off the phone with an attorney representing XXXX XXXX, XXXX of our creditors, and that if I did n't call this other attorney and make a payment of {$780.00}. that he was going to put forward paperwork for me to be arrested and to sit in jail for 30 days, because of a judgment that was filed against me. I had no reason to doubt this person, because as I stated above, caller id was from our own lawyers office ... when I explained that we did n't have that kind of money, he told me to just make the payment and that XXXX would refund us the money because they had missed the judgment. I contacted this other attorney, a XXXX XXXX, he confirmed everything that our lawyers office had just told me. He told me to go to a XXXX/money gram, to take care of this payment or again that I 'd be arrested and to sit in a jail for 30 days. I ended up borrowing {$800.00} from my best friends father, because I was extremely scared and being XXXX I was terrified of being put in jail. I went to a store here in town, in XXXX, CA, and called this attorney XXXX XXXX back so that he could give me the information to send the payment. I did this and gave him the reference number. He told me that the paperwork was going to be pulled and that I would n't be arrested. I tried calling XXXX back at XXXX XXXX, I got the recording that they were closed for the night. First thing Friday, XX/XX/XXXX, I called and tried to speak to XXXX XXXX, only to be told that he no longer works for the firm.. I spoke with XXXX XXXX, he does investigations into fraudulent cases, and that 's when we realized that we had been scammed big time, by someone, XXXX XXXX, that was pretending to work with our bankruptcy lawyers. He had answers for every question I threw at him in regards to our bankruptcy paperwork. After speaking with XXXX XXXX, I was told to file a police report and to file a claim with CFPB. I 've filed the police report and am just now filing a complaint with CFPB, due to issues with the website, which are now resolved. I do have receipts and the form, but I do n't know how to attach them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here we go AGAIN with XXXX, XXXX, and Ann Taylor!! 

While one company corrects the false information reported, they put other old information they had once removed back on there or their XXXX XXXX counterpart puts it back on their site and instead of my score going up like it should it continues to go down which makes NO SENSE!! Their explanation to me is Pay your bills on time blah blah blah except this is from accounts that are either not mine or from accounts that have been closed for 8 years and were paid 100 % on time.