23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX New Rez bought my mortgage from XXXX XXXX, XXXX and became my new servicer XX/XX/XXXX Ltr from New Rez stating my property insurance policy address was incorrect. Asking me to correct it and stating they required a copy of my " full policy ''. I was unsure what was being requested as I had never been asked this by a mortgage servicer. I called the person who helped me refinance my mortgage in XXXX and he said he thought they might be asking for my home owners master policy. I mailed out a copy of that policy and a note stating that I live in a condominium complex so the homeowners assn policy was correct in listing just the main address of the complex. The policy showed that it was from XX/XX/XXXX through XX/XX/XXXX. 
XX/XX/XXXX Ltr from New Rez saying they were " working to gather requested information and would forward to me as soon as possible. '' XXXX XXXX Ltr from New Rez " due to the complex nature of this matter, New Rez respectfully requests additional time to fully respond '' XXXX XXXX Ltr from New Rez " we're working to gather requested info. '' XX/XX/XXXX Ltr from New Rez " Records show your homeowners ' association hazard insurance expired. We plan to buy insurance for your property. '' XX/XX/XXXX Ltr from New Rez " Due to the complex nature of this matter ... '' XX/XX/XXXX Ltr from New Rez stating " This is a 2nd and final notice re : homeowners ' association hazard insurance expired. '' XX/XX/XXXX I reached out to my management company and they assured me that the coverage had not expired and coverage was in place through XX/XX/XXXX, Also contacted XXXX XXXX agent who called New Rez and provided proof of my full coverage. 
XX/XX/XXXX I sent a letter to New Rez demanding remedy after I had provided proof of personal and HOA coverage multiple times and New Rez overpaid my personal coverage from escrow. 
XX/XX/XXXX Ltr from New Rez saying no proof of hazard coverage XX/XX/XXXX I emailed my XXXX XXXX agent asking for their assistance. 
XX/XX/XXXX Ltr from New Rez stating lender-placed insurance coverage put on loan. 
XX/XX/XXXX XXXX XXXX agent called New Rez and sent them complete coverage information. I was told I would receive a confirmation email from New Rez. 
XX/XX/XXXX Ltr from New Rez showing all the funds pulled from escrow over many months for " hazard coverage '' before any of this was sent to me. Also telling me I owe funds to them.
Product: Money transfer, virtual currency, or money service

I had XXXX accounts with Coinbase pro and Coinbase with the email XXXX and the accounts were compromised and hacked so Coinbase closed all my accounts at Coinbase pro and Coinbase and I could not get my money back or my assets in cryptocurrency in both accounts. Coinbase took a possession of all my cryptocurrencies assets in both accounts and requested that I o-en a new account so they can transfer my money and cryptocurrency from the old accounts to my new account. So I o-need a new account with a different email which is XXXX and I emailed Coinbase several times to transfer my money and my cryptocurrency from my old accounts to my new account but they NEVER DID. They NEVER responded to my emails and they never transferred my money from the old hacked accounts to my new account and they never responded to requests and my emails. This is a FRAUDULENT COMPANY. COINBASE IS A FRAUD AND A THIEF. They stole my money and are not responding to my requests to get my money back from the old accounts. This company Coinbase needs to respond to my requests and refund me and transfer all my money from the old accounts to my new account
Product: Debt collection

I am a frontline worker and a real estate agent. During the pandemic last year, due to my job, I contracted XXXX and got my entire family extremely sick. 
I have a Capital One business card under XXXX XXXX that ended up falling late due to this. I had tried to call Capital One to make a payment but was put on hold for too long, and prior to that, I had lost online access. 

I had more than enough money in my bank to pay the account off. 
I have attached a copy of my real estate license and my bank statement from the time that I had sufficient funds.
Product: Credit reporting or other personal consumer reports

Claimant : XXXX XXXX XXXX : Experian Information Solutions , Inc . 


Arbitration Service : Nature of the Dispute This arbitration demand arises from Experians failure to meet its obligations under the Fair Credit Reporting Act ( FCRA ) and its negligent reporting practices concerning inaccurate credit information submitted by XXXX XXXX. Despite clear evidence of inaccuracies, Experian failed to reasonably investigate my disputes and continued to report unverifiable and misleading information on my credit report, which has caused financial and reputational harm. 

Violations by Experian XXXX. 15 U.S. Code 1681e ( b ) Reasonable Procedures for Accuracy Experian failed to maintain reasonable procedures to ensure the maximum possible accuracy of the information reported by XXXX XXXX. The report lists XXXX XXXX as the creditor for an account, but documentation shows no contractual agreement exists between me and XXXX XXXX. 
XXXX. 15 U.S. Code 1681i ( a ) Failure to Reinvestigate Disputed Information Experian did not conduct a reasonable investigation into my disputes. Despite my providing supporting documentation, Experian verified inaccurate information submitted by XXXX XXXX, thereby failing to meet its statutory obligations. 
XXXX. 15 U.S. Code 1681n Willful Noncompliance Experian knowingly and willfully allowed inaccurate information to remain on my credit report, causing substantial harm, despite being provided clear evidence of inaccuracies. 
XXXX. 15 U.S. Code 1681o Negligent Noncompliance Experian acted negligently by accepting and reporting inaccurate information from XXXX XXXX without adequately verifying its legitimacy. 

Evidence Supporting My Claims XXXX XXXX response to the CFPB complaint shows the original contract was with another party ( CIG Financial ), not XXXX XXXX, which disqualifies them as a valid creditor. 
XXXX credit report lists XXXX XXXX as the account holder with a charged-off balance, despite the lack of evidence supporting this claim. 
Dispute results from Experian confirm they verified the information without any meaningful investigation, as no 1099-XXXX, debt transfer, or sale documentation was ever provided by XXXX XXXX XXXX 

Damages Suffered XXXX. Financial Harm : Denial of credit and higher interest rates due to the inaccurate information on my credit report. 
XXXX. Reputational Harm : The inaccurate reporting harmed my credibility with lenders and potential landlords. 
XXXX. Emotional Distress : XXXX failure to correct errors has caused stress, frustration, and anxiety. 


XXXX XXXX I am filing this claim under the binding arbitration clause in XXXX user agreement. I reserve the right to challenge the enforceability of the arbitration clause, should it hinder my ability to seek full relief. 

Certification and Signature I certify that the information contained in this complaint is true to the best of my knowledge and belief. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$9700.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX capital one auto finance XXXX XXXX XXXX XXXX Credit inquiries from unknown times same day by some one else
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed inaccurate information that should be removed. The bureau refused to complete a thorough investigation into the matters instead. These inaccuracies are causing great stress and negatively affecting my financial standing. 

I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately, it must be removed. I hope you find out whats going on and who the inaccurate information belongs to. Can you please clear this up quickly? It is my understanding that you will do an investigation immediately, a new credit report that reflects the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law, unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 
Thanks for your help in this matter. 
XXXX XXXX XXXX XXXX - This is completely inaccurate. - This is inaccurately reporting on my report. 
XXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
US DEPT OF EDXXXX - XXXX - I believe this is reporting inaccurately - verify that this belongs to me. - This account is reporting incorrectly. 
XXXX XXXX  XXXX XXXX - This is completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX, XXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX - XXXX - Verify this belongs to me. - This is paid as agreed and should not be reporting negatively on my report. 
XXXX XXXX XXXX - XXXX - 15 U.S CODE 1692 ( e ) 10 - Please verify the open date on this collection. I do not recall this - please verify this and remove it if it is in fact inaccurate. 
XXXX XXXX XXXXXXXX XXXX XXXX  - 15 U.S CODE 1681 ( o ) - Please verify the open date on this collection. I do not recall this - please verify this and remove it if it is in fact inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my file from the XXXX XXXX XXXX. ( Account number XXXX ) I disputed this account for being outside of the 7 year federal obsolescence period for remaining on the file. The bureaus removed it. 

One month later the account came back on my file. XXXX XXXX changed the data on the account to put it back into the obsolescence period ... but didn't count on the fact that I have copied the way the account looked on the bureaus before and after it was removed. 
I have attached two copies of how this account appeared on my file. In XXXX, you can clearly see that the last payment ( the date used to determine the obsolescence time period ) shows as XXXX of XXXX. Since the credit bureau industry uses 6 years and 9 months instead of 7 years ( to assure they remain in compliance XXXX, it was properly removed. 

But XXXX XXXX then CHANGED the data on the account. They removed the last payment date entirely and then deleted all historical payment date prior to XXXX. Thus giving a new obsolescence date. 

Now the FCRA provides two levels of non-compliance. 1 ) Negligent Non-Compliance where someone just makes a mistake. 2 ) Willful Non-Compliance where someone manipulates data to trick the system. The second non-compliance holds that a consumer make seek damages. 

It is clear that the XXXX XXXX XXXX is manipulating data to put items BACK on consumers files in violation of federal law. This should be a class action lawsuit as I am sure this is happening to any of their customers whose collections are removed for obsolescence reasons.
Product: Mortgage

Wells Fargo approved me for a loan modification on XXXX of 2022 ; I was approved on the phone by one of their representatives. I was making payments towards my loan modification that I was approved for in order to be current on my mortgage. During my loan modification trial, Wells Fargo notified me that they were no longer my lender and that I should contact my new lender. Two weeks later, I receive a notice that my house has an auction date scheduled. The new lender, XXXX XXXX, did not have any information on the loan modification Wells Fargo had approved me for. If I wouldn't have contacted a lawyer at the time that I did, I would be on the street right now. Because of Wells Fargo 's carelessness, I have to file a XXXX  XXXX bankruptcy even after being approved and paying everything on time during my loan modification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX I am writing to file a formal complaint against XXXX XXXX XXXX, a debt collection agency located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, with contact number XXXX. The purpose of this complaint is to bring to your attention the alleged unfair and deceptive practices I have experienced during interactions with this company. 



Details of the Complaint : Lack of Validation : Despite my request for debt validation, I have not received adequate documentation or verification of the alleged debt in question. The lack of transparency in providing essential details raises concerns about the validity of the debt. 

Failure to Cease Communication : I have previously requested that XXXX XXXX XXXX cease communication regarding this debt, as permitted by the FDCPA. However, communication attempts persist, causing unwarranted stress and anxiety. 

Failure to Provide Information : Requests for detailed information about the debt, including the origin and substantiating documents, have not been adequately addressed. The lack of transparency impedes my ability to assess the legitimacy of the debt. 

I kindly request the Consumer Financial Protection Bureau to : Investigate the aforementioned complaints against XXXX XXXX XXXX. 
Take appropriate action to ensure compliance with the Fair Debt Collection Practices Act. 
Facilitate communication between me and XXXX XXXX XXXX to resolve these issues amicably. 
Enclosed with this letter, please find copies of relevant correspondence, including communication logs and any documentation related to the debt. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to address the alleged violations. Your assistance in resolving this complaint is crucial in protecting consumer rights and promoting fair debt collection practices. 
accounts Account owner XXXX Account XXXX creditor XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banking XXXX date XX/XX/XXXX Original amount owed {$2300.00} Balance date XX/XX/XXXX Date of last payment Date of first delinquency Balance owed {$2300.00} Comments Consumer Disputes This Account Information XXXX XXXX XXXX  Account owner Individual Account XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Unpaid Thank you for your prompt attention to this complaint.
Product: Vehicle loan or lease

The company did not meet my request they sat back and watch me struggling trying to come up with money to pay them also did not apply money to my principal it went to interest.
Product: Mortgage

I submitted complaint after I paid XXXX late fees and balance show up on my account to Provident Funding www.provident.com about why I have XXXX late payments fee after I travel out of town. No response to my complaint. I thought that I paid on XXXX XXXX I should be fine by now as soon as I pay on time from now on ( I even just paid the XXXX late fee ). But today I login my account to pay for this month Mortgage and find another late fee show up again. 
The account say payment is due on XXXX XXXX, 2016. I call them they told me that they ca n't do anything about the late fee. I paid it and printed the confirmation. Now I try to see what will appear on my account now? Even though I get confirmation from their website saying I have paid and transaction completed, it still show payment is due on XXXX XXXX, 2016 and it says YOUR SUBMISSION PROGRESS : INCOMPLETE. I am afraid that they will charge me late fee each month even I pay in time each time.
Product: Credit card

Hello, The Venmo credit card through Synchrony Bank only allows payments through the Venmo App. When I attempted to pay the bill while I was on vacation ( outside of the country ), I couldn't access the app. After a few email communications, Venmo indicated I must be inside the United States to use the App. They would not allow me to pay the bill any other way. I had my daughter pay the bill, but this seems very wrong. I was not trying to use the card for purchases outside of the US, just pay my bill.

Once I was home, I tried to sign up for auto-pay, but this is not an option they offer. It seems they are setting their customers up for late fees and late payments. I would cancel the card, but this would hurt my credit score. Plus, it wouldn't help other people in the same situation.

Thanks!
Product: Mortgage

We have a mortgage from Caliber Home House. 
Are house was burned down in the XXXXXXXX XXXX We got funds from our insurance company. In several checks. We already covered our principal and Caliber is holding it. We got more checks from our insurance company that was payed to us and Caliber. Because Caliber is already holding the principal they according to the law need to send the extra funds directly to us.

They did so already for other checks but for the latest check for the sum of {$200000.00} they are not releasing it. We asked for it to be release on XX/XX/2023 and every time we call they say it is in process with no date when they are going to release it. 
We our building our new home and owe our builder money and because they are holding it we can not pay it.
Product: Credit reporting or other personal consumer reports

You're highlighting the presence of fraudulent personal information associated with your identity. Accounts and transactions have been falsely attributed to you without your knowledge or consent, causing significant distress and concern. As a victim of identity theft, you've taken immediate action by reporting the incident. 

You're emphasizing the urgency of addressing this matter promptly, given its detrimental impact on both your financial well-being and personal reputation. You're requesting cooperation in expeditiously removing all fraudulent information from your credit report and conducting a thorough investigation. You're prepared to provide any necessary evidence and, if required, take legal action to protect your rights and seek appropriate compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, my credit was screened more than the amount of times I had authorized for resulting in negative affect to my credit score
Product: Debt collection

Hello : Fay Servicing LLC is a debt collector working for XXXX XXXX a Division of XXXX XXXX XXXX XXXX XXXX. 
We have several attempts to discuss a trial payment plan sent to us that is not affordable, but XXXX XXXX, the account manager at Fay is completely unresponsive to emails or phone calls. 
The amount that Fay is trying to collect is different from the original debt and not documents were provided to show why there is a difference. 
They are trying to foreclose on our home. We have XXXX  children and XXXX is XXXX XXXX XXXX. 

The loan was divided in two loans, one was dismissed in XXXX Superior Court when XXXX XXXX just like Fay Servicing try to collect. 

We need assistance from the CFPB to stop this injustice. 
XXXX Family
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of infor mation 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 card

XXXX I requested a credit increase on my apple card. I was declined and told it was due to high balances on the revolving credit and length of time accounts are established. So since I was planning on using that card on Monday I made the payment on Saturday for {$15000.00} ( I am attaching the copy of the Payment made ). Since Saturday I have called Goldman Sachs 3 times. They refuse to post the XXXX XXXX payment. They refuse to call my bank and see that the money was taken out of my bank by Monday. I have asked for a supervisor to call me back since Saturday no one has called back. In the pass I had The Goldman rep tell me that yes in the past my payments of {$9000.00} were posted immediately but now I need to wait XXXX XXXX for them to post my payment so I can use the card. I believe that they are prejudice to me. Also the paper work from Goldman Sacks said my XXXX XXXX score as of XX/XX/XXXX was XXXX I have my XXXX from todayXXXX which is XXXX. ( which was lowered due to the inquires ) I also have the XXXX credit report from XX/XX/14 which I printed when Goldman declined increase that I requested, shows my credit score at XXXX and that I have only used 5 % of my availabe credit. Currently I have paid the apple card in full but they will not post my payment so I can use my card. Also on XX/XX/14 I applied for XXXX revolving card and got {$35000.00} credit line so how can that be?
Product: Mortgage

Had applied for a modification and loan assumption. Was put on a 3 month trial if modification was not granted by Wells Fargo. If modification was not granted the money was supposed to be refunded. It was not granted they sold the ho use and kept my money. They are saying that the modification was approved on XX/XX/15. But the trial payment didn't start until XX/XX/2015.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I was involved in a scam via Zelle in which I lost {$2000.00}. I filed a claim with my bank through which the transaction was performed on XX/XX/21. I received written documentation on XX/XX/21 that they denied my claim and suggest I contact the scammer and ask them to return my money. I contacted my bank on XX/XX/21 and was told it would take a lot of time and effort to track where my money ended up and there was nothing they could do for me. I don't feel like my bank is doing their due diligence to investigate this and is not acting on my best interest.