23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We started the process for a short sale on the property on XX/XX/XXXX. the servicer ( Caliber home Loans ) ordered an interior value of the property, the interior valuation was completed on XX/XX/XXXX. The interior value came back with a value of {$210000.00} for " AS IS '' price. The investor ( XXXX XXXX ) and the servicer decided to increase the market value to {$280000.00}. We submitted a value dispute based on the interior condition of the property, the major non-cosmetic damages and comparables in the area. We provided enough evidence for the investor to reconsider their market value with accurate and current data as per their guidelines and the investor is denying our request and would not reconsidered the over priced value. this is an unfair practice in the market now days and we believe the Federal Government and authorities should be make aware of these type of situations since this is a total malpractice and are preventing home owners in a default situation a fair shot to start their lives from scratch.
Product: Money transfer, virtual currency, or money service

I was attempting to call XXXX XXXX app and XXXX the XXXX number, called XXXX and was a victim of phishing. They asked for information and gained access to my XXXX XXXX app account. My XXXX XXXX App was compromised on XX/XX/XXXX. I notified XXXX XXXX App and my bank of the breach. An investigation was completed by XXXX XXXX App indicating my account had been compromised and that I should contact my bank to expedite a refund of monies unauthorized. My bank denied my dispute indicating XXXX XXXX App would be responsible for refunding my money on XX/XX/XXXX. I contacted XXXX   App to again refund my funds totaling approximately {$5000.00}. To date I received a response via email, as XXXX App has no live phone support advising my file was being forwarded to the disputes department and someone would be in contact shortly. I have yet to get a response. I have been without my money for 10 days now and this is unimaginable as a mother of XXXX children. My entire account was wiped out.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a dispute letter first class to XXXX, Transunion, and XXXX informing them that there are some unauthorized inquiries on my credit report. Furthermore, my information was compromised in the XXXX data breach in which I provided my claim Id. I have since submitted a FTC report to report this. I am attaching my dispute letter as well as my claim ID. These inquiries are to be removed from my credit report within 14 days.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

Calvary Portfolio Services has called my place of employment 5 times on XX/XX/2018. 

Calvary Portfolio Services calls my personal phone at least 10 times a day everyday I do not want Calvary calling my work or my cell phone and I have already asked them to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Mortgage

XXXX did respond to my complaint by saying they did not own the loan so they did not have to do anything to help. I contacted the owner they also did nothing to help my wife and I. 

Mortgage owner is : Wilmington Savings Fund Society FSB, not in its individual capacity, but solely as owner trustee of XXXX XXXX XXXX c/o Wilmington Savings Fund Society FSB XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX : XXXX XXXX Loan number- XXXX
Product: Debt collection

amex has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Checking or savings account

On XX/XX/2021 at XXXX I received a text asking if I attempted to send money through a XXXX transfer. The text began with CHASE FRAUD. I responded " No ''. I tried calling the bank because I was very concerned and they were not opened so I called the number that sent the text. They told me to go online and log in to my XXXX account and type in the word " reversal '' for both transactions. One was for {$3000.00} and one was for {$2000.00}. I felt ok with doing that because I didn't have to enter in an email address or phone number which is what is required if you are paying someone. I then realized a few days later that this was fraudulent and the money came out of my account. I notified the bank and they said because I sent the money they could not give it back. I continued to call and spoke with a Chase Bank employee who looked at what happened and said someone hacked into my account and created the '' beneficiary '' the work he used titled " Reversal '' and that is why I was able to send the money without entering a phone number or email address. I recorded this call where the bank employee said my account was hacked and yet they have said they will not refund the money. Please assist as to what I can do at this time. By the way in the State of Georgia you can record without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ActPossible Financial has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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

XXXX XXXX Mortgage is reporting me being late 30-60 days late in XXXX and XXXX of XXXX. 
I was in Forbearance from XXXX XXXX XXXX. 
My last payment to XXXX which was the previous company now Bankrupt was XX/XX/XXXX. 
In XX/XX/XXXX I made a payment to XXXX XXXX Mortgage. 
My forbearance with XXXX XXXX started in XX/XX/XXXX. 
I was never late on my mortgage. 
In XX/XX/XXXX I contacted XXXX XXXX and notified them business was picking up and I wanted to come off of forbearance. 
I made my XXXX trial payments on time in XXXX, XXXX and XX/XX/XXXX. 
In XXXX I signed the loan modification agreement. 
XXXX Mortgage took my XX/XX/XXXX payment and XX/XX/XXXX and applied them to XX/XX/XXXX which I already paid to XXXX in XX/XX/XXXX as the bank statements show. 
Cares Act states consumers can not be reported as late up to XX/XX/XXXX. I made my payment in XXXX as agreed. 
At this point I do not understand what payment was late? 

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

I submitted a dispute to Experian and they responded saying that I was not the one that submitted the dispute. I have provided my proof of identity to confirm that I am the one submitting the dispute. The FTC says that I can dispute any information that I find to be inaccurate and that is what I have been trying to do. I would like this inaccurate information deleted.
Product: Debt collection

Formal Demand for Debt Verification under 15 U.S.C. 1692g To Whom It May Concern, This letter serves as a formal request for debt verification pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I am disputing the validity of the alleged debt that Midland Funding claims I owe, and I am exercising my rights under federal law to request full verification of this alleged obligation.

Under 15 U.S.C. 1692g ( b ), you are required to cease all collection activities until you provide sufficient documentation validating the debt. As outlined in XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX App. XXXX ), it is not enough to merely assert the debt 's existence ; Midland Funding must furnish detailed documentation proving that this debt is legitimate, and that you have the legal authority to collect on it. 

Verification Demands : I demand the following information in order to verify the alleged debt : Proof of Original Creditor : Documentation identifying the original creditor, along with a detailed account of the debt 's origination and any subsequent transfers of ownership.

Proof of Legal Authorization : Evidence that Midland Funding has the legal right to collect this debt, including but not limited to assignments or contracts transferring the debt to your agency.

Complete Account and Payment History : An itemized statement showing the amount claimed, all fees and interest charged, and the precise calculation of the total amount alleged to be owed.

Failure to provide the required verification within the mandated timeframe will be considered a violation of the FDCPA. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ), the court reaffirmed that debt collectors must substantiate their claims through rigorous and transparent documentation, failing which collection efforts must cease. 

Notice of Action : Please note that until adequate verification is provided, any further collection efforts or negative reporting to credit bureaus regarding this alleged debt will be considered a violation of my rights under the FDCPA. Should Midland Funding fail to comply, I reserve the right to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

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

I mailed a letter asking the credit agency to verify the accuracy of the account and they sent a credit report back after the investigation with the same inaccurate information. The law state that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. This is willful disregard of the FCRA.
Product: Checking or savings account

I'm trying to close my CD account with CaptialOne 360 at maturity but the button is not working on their website. I click on " At CD Maturity close account and transfer to Savings Account '' and I click Continue button but the button does nothing. I tried several times over the course of a month. The default action of the CD setting is to start a new CD at a much MUCH lower interest rate when the CD matures. My guess is that many other people are affected ...
Product: Debt collection

I have reached out to Capital One and requested information in which I have yet to receive a response. Capital One is in violation of my rights as a federally protected consumer.
Product: Debt collection

Upon reviewing my credit reports, I noticed an entry from AFNI collection agency, stating it was for the original creditor XXXX XXXX XXXX, in the amount of {$150.00}. I never received any correspondence from this company, and I do not owe any money to them, or the stated original creditor, XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was told they did not see any information on this matter. I then sent several letters to this company, AFNI, to the address listed on my credit reports, but have not received any reply from them at all. They have not even sent me any information about this alleged debt, yet they put it on my credit reports. This false information needs to be removed from my credit reports immediately!
Product: Credit reporting or other personal consumer reports

Sunday, XX/XX/XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. 

Late payments from XXXX & XX/XX/XXXX were all on time. Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly? Inaccurate late payments like this are not only embarrassing, but they are preventing me from obtaining credit that I'm trying to apply for. I've already been in talks with some experts who have informed me that there are laws to ensure that credit bureaus only report accurate credit information. 

It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditor 's part or both. I take this very seriously and I'm not going to stop contacting you until you remove this wrong information. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. If it isn't done fast, I'm going to have to research what legal options are available to me against both you and the creditor. 

Regards,
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. 

Account Name : 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 XXXXXXXX 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: Vehicle loan or lease

I borrowed approximately {$10000.00} on XX/XX/XXXX for a Term of 67 months from SANTANDER CONSUMER USA through a car dealership in XXXX, Vermont. I was given fraudulant information from the dealer, they gave the wrong VIN # and Santander approved the car loan based on that information. 
On XX/XX/XXXX Hurricane Irene hit, I lost everything. I was listed with FEMA as a catastrophe victim. When I went to trade my car in for a less expensive vehicle, as then I was homeless and broke, I learned of this fraud. The car dealer ran the VIN # and showed me how the car was worth XXXX dollars. 
I wrote Santander, called them and I could not get anyone to go off script and to help me to do the right thing. All I wanted was advicew from the legal department. 
I was homeless and broke and Santander would not allow me to deal with their legal department. I called and emailed them and got nothing. 
After months of trying to resolve the issue I left the keys in the car, and I left the car on the street in Washington, DC. I called Santander to tell them I was doing this, and still, I got no response other than, you need to pay your bill. 
Now it is XX/XX/XXXX and I would like to apply for a loan to buy land and a small shelter. Still I have Santander on my credit report looking like I just decided to stop paying for my car. 
I feel this is a false representaion of my credit record and with my wanting to do the right thing with Santander. I wanted to proceed with a case of fraud against the dealer. I needed Santander to help me with this, but all I could get was scripted Customer Service Representatives. It just breaks me that all these years later Santander is still on my credit records, misrepresented as the victim of a default. 
They are in the business of lending money it is their responsibilty to help a customer when fraud like this occurs. yet they were completely inaccessable to me. 
I was broke and homeless from a hurricane and they just wanted their next payment. 
What made matters worse forme was that my only FEMA emergency funding was {$1200.00}. That is what I walked away from after Hurricane Irene. I could not organize myself to start a suit of Santander or the dealership at that time.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because an account that was previously deleted from my credit report has been unlawfully reinserted without proper notification, in violation of the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Creditor : XXXX XXXXXXXX XXXX, Account XXXX : XXXX. This account was removed from my credit report but has now reappeared. I was not notified of the reinsertion within the required five business days, as outlined in 15 USC 1681i ( 5 ) ( B ). Additionally, this account is associated with identity theft and was reported without my explicit written consent, further violating my rights under 15 USC 1681c-2 and 1681b ( 2 ). Experian has failed to provide documentation proving that the reinsertion followed the required procedures. Their actions have caused me significant harm, including mental distress and damage to my creditworthiness.
Product: Checking or savings account

XX/XX/XXXX XXXX charge {$120.00} XX/XX/XXXX XXXX  {$15.00} Other charges that my bank made me aware of equaling {$170.00} Spoke to XXXX, XXXX, XXXX, XXXX, and XXXX. XXXX stated that I would have the funds in a few days. I filed the paperwork on XX/XX/2018, Fraud Department is unable to reach me. But is unable to as because of my funds being negative I was unable to pay my cell phone bill.
Product: Money transfer, virtual currency, or money service

I have reported this to you in XXXXXXXX XXXX XXXX. Gemini Trust LLC lied to you in their email response and said my issue had been resolved. I purchased cryptocurrency on Geminis exchange over XXXX XXXX. I attempted to transfer my crypto to my own cold storage wallet then discovered a security hold on my account. 

At one point I sold some XXXX  and paid their fees thinking I can get my money out, oh boy I was wrong. Then I spent more money on fees to buy more XXXX back in case the value of XXXX rise. {$700.00} on fees alone and lost money because I paid a higher cost now on XXXX. There is no one to talk to to get this resolved. I am not paying fees on Geminis exchange to get my crypto out. Many other exchanges I was able to simply transfer them out except in Gemini. Gemini LLC is a scam exchange and very shady. I need help please!!! This is my entire life saving. I dont know what else to do all Gemini does is ignoring me yet they are holding my money.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXX, I have initiated a money transfer online through MoneyGram, the amount was {$4300.00}, the funds were supposed to be deposited into XXXXXXXX XXXX XXXX XXXX  Limited bank account in the XXXX XXXX, on MoneyGram website, it says transfers of that kind takes 0-4 days to to complete. On the XXXX of XX/XX/2023, XXXX XXXX XXXX XXXX contacted me about the funds not being deposited in their accounts, I called MoneyGram to for inquiry, the manager has explained to me, I am having this issue because MoneyGram does no send money to businesses, and only deals with individuals and families, however they will work to make sure, the funds are refunded to my account, he also explained this usually takes 30 to 90 days for resolution, however I will get my money back earlier since I did not know of the consequences of sending money to businesses which they do not do, after three days I still did not receive the refunds, every time I call, they had a different explanation, they say we are still working to get your funds back. You put in the wrong account number and funds may be missing, which Challenge the Moneygram Managers constantly as that was not true, as matter of fact on the first day of my complain, all of that was verified, and the manager agreed all account numbers were correct, on XX/XX/2023 Moneygram sent me email saying they have completed their investigation and I should disregard whatever they told me previously, and they have deposited the funds in XXXX XXXXXXXX XXXX XXXX account. I called XXXXXXXX XXXX XXXX XXXX and asked them if they have received any funds and they said no, and even sent me they bank statement to back it up. I called XXXX and requested the transfer transcript as to verify if the funds were indeed deposited in XXXXXXXX XXXX XXXX XXXX bank account, XXXX tells me they have to investigate all over again, and it will take another 30 to 90 days, at this point I believe XXXX is not being transparent with me an some in their organization has stolen my money. On their report if states I have a right to the investigation report, the transfer history as the accounts money was deposited. I need to know what account they deposited the money into, if they claim they have deposited the funds