23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been a customer of Best Capital Funding since the purchase of my condo in XXXX of XXXX. My monthly payment that I agreed to at closing was to be {$760.00} per month. Shortly after, in my XX/XX/XXXX statement, Best Capital hit me with Hazard insurance and the amount due went from {$760.00} to {$2.00}, XXXX. Despite my 3 attempts to send them my hazard insurance policy via their email they claimed not to have it until the 4th attempt. Once confirmed by Best Capital that they received my copy of my policy, they agreed to refund me their hazard insurance charge back to my escrow. It took them months to do this and in the meantime, they still wanted me to cover the cost of their hazard insurance charge. I refused and continued to pay my regular amount due of {$760.00}. Since then my account has only gotten worse. They have hit me several times with more insurance charges and I sent them documentation to show I was already paying out of pocket for my own. They hit me with property taxes even though I was paying out of pocket for those. We had dozens of emails and phone calls back and forth ( see attached copies ) but the entire time they have ignored my request to bring my account back to original status, instead trying to confuse me with a bunch of escrow errors on their part. 
Recently, I applied for another mortgage with a different company for a 2nd home and was denied a loan due to a low credit score. I requested copies of my XXXX credit reports and to my surprise, Best Capital Funding has been reporting me delinquent every single month despite that I am making all of my payments on time. 
I have reach my limit ( its been over a year of them not correcting my account ) with trying to explain what they have done wrong with my escrow account. I need help and hope that you can have someone look into this with me. Im not sure if there are more resource out there for me to use to try to get my account audited so that they are forced to make the adjustments and stop trying to collect monies for insurance and taxes that I do not owe them. My account needs to be resolved, they have destroyed my credit. Please help!
Product: Money transfer, virtual currency, or money service

l used Coinbase.com to transmit a total of XXXX Bitcoin to an external blockchain address. It ended up in the hand of XXXX scammers. 

Transaction dates : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX, XXXX. 
Then U.S. dollar amount total : {$19000.00} XX/XX/XXXX : I sent my complaint letter to Help @ Coinbase.com and Contact XXXX XXXX with all the supporting documents. 

XX/XX/XXXX : Coinbase replied they would review my complaint and respond within 45 business days. 

XX/XX/XXXX : Coinbase replied denying their responsibility.
Product: Money transfer, virtual currency, or money service

After using zelle frequently, it is apparent they do not recognize issues or complaints. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. This has left users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got into a retail installment contract with XXXX XXXX XX/XX/XXXX & every since XX/XX/XXXX they have been reporting XXXX XXXX XXXX XXXX XXXX days late on my consumer report. My payments are due every month on the XXXX. If I dont make a payment by the XXXX on the XXXX they are reporting 60 days late on my report. I requested that they update these inaccuracies in XXXX but nothing changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is unbelievable, bureaus keep up with incredible reporting practices because they put stuff on my credit file without even informing me ahead of time.. They don't belong to me, I did not have an account with these companies, Please delete the mentioned accounts TN XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting

I contacted the following agencies regarding inquires especially for a purchase of cars by phone. It states to contact the companies who are inqiring. The company 's are stating to go through the credit bureaus. There should be no inquiries on my credit report from the following companies 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. Most of the information is regarding a vehicle so my information must be viral online since I have n't been shopping for a car. When I called the company based on what the credit report states to follow up with companies on discrepancies. I received a very negative feedback as if I am not entitled to request it be removed. I want them to be removed based on me not requesting to have a credit check for a vehicle. Please assist me in the matter it looks like Trans union is allowing it but, I reported a fraud alert and to contact me on any inquiries to make sure that it is me. I just want them removed especially when I never gave permission there just using my information in there companies and I do not vehicle shopping. Thank you
Product: Credit card

Payment was due on the XXXX. Company stated they were having issues with it going through in XXXX, i manually paid it. Then this month no payment was taken out. I got no notice that they were having issues.I got hit with another late fee and they knocked my credit report. I called again and had to go through setting up automatic payments again. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my annual credit report XX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX  was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! _____________________________________________

Auto Dealers? XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX Citizens One XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
_____________________________________________ XXXX XXXX   XXXX  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a mortgage, and as part of that process my bank ( XXXX XXXX XXXX ) checked my credit with Experian. After that I started receiving about 5 calls a day from mortgage companies I never contacted. I engaged with a couple and all of them told my they were sold my name, phone number, and address by Experian as a lead. I never consented to Experian sharing my information. Some of them were predatory with suggestions that I had filled out an application with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is affected by " the number of delinquent accounts '' which does n't make any sense to me. I do n't remember having a late payment in recent history. In fact, my FICO report shows that I 've made 100 % of my payments on time in the last 24 months.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests for ENHANCED RECOVERY COMPAN, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax REFUSES to unlock my credit file. My potential new employer needed to access my credit file for a financial fitness check. Since they employer could not access the file after 6 days, they had to move on with another job applicant. So I lost out on my new job opportunity. This is really frustrating that Equifax can't simply remove the lock on my Equifax credit file. I NEED THIS LOCK REMOVED IMMEDIATELY!!!!!!!!!!!!!!!!!!!!! This has been going on for way to long. Equifax need to remove this lock. This is causing me a lot of damage.
Product: Credit card or prepaid card

This company Continental FinanceXXXX  has continued to blow smoke!!! They sent a letter stating they were going to lower my monthly payment, credit late fees back to XXXX and lower my interest rate. They have done nothing!!! I've tried emailing ( attached their email ) I did receive a call message back stating we are looking into this!!! I'm working with XXXX XXXX a debt consolidation company and have been since XXXX of 2022, I'm on social security XXXX and ran into some major issues. They just keep charging late fees, even though they are receiving payments that they supposedly accept, and outrageous interest that they supposedly were going to lower see attached letter!!! This needs to stop!
Product: Debt collection

Dated on XX/XX/2022, I, XXXX XXXX, Consumer, have a question for Sequium Asset Solutions, the rights to violate my rights to privacy, and how you get my personal identifying information?
Product: Credit reporting or other personal consumer reports

reviewed my credit report discovered fraudulent accounts on my credit report. please remove.
Product: Debt collection

I have no knowledge of this account, I dont know why this collection agency put this on my account I have not received one correspondence from the creditor XXXX  or from Nelson collection agency I just happen to check my credit report this morning and stumbled across this.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : TD BANK USA/TARGETCREDIT Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Below I have listed the inaccurate hard inquiries. 

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

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing this account for XXXX  regarding the repeated charge-off that appears on my account each month. I have asked them to validate the debt by sending me a purchase agreement, assignment contract, or something displaying my wet signature showing that this alleged debt is mine. 
Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Pursuant to my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied.

2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor.

5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt. 
According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event. 
This by this action being taking each month it affects my credit score, credit report, and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ; Account XXXX, Account XXXX and Account XXXX have violated my rights 15 U.S.C 1881 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also Staes a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore all of the listed accounts have since been settled by being paid in full yet still are marked derogatory and other listings that negatively affect my standings with the credit bureaus.
Product: Mortgage

Escrow issues with the Money Source mortgage. 

XXXX county taxes were due XX/XX/2020. Called in Mid XXXX to ensure they have the plan to pay before XX/XX/XXXX. There was a county tax disbursement on XX/XX/XXXX. County did not get the payment. Followed up multiple times with The Money Source, and finally they made another disbursement on XX/XX/XXXX for the same amount. Eventually County records got updated by XX/XX/XXXX, but my Mortgage balance was showing {$4700.00} as escrow advance as the tax amount was deducted 2 times. I was going through a refinance and was getting an incorrect payoff amount from the money source. After multiple followup, they still do not have the double disbursement settled and my refinance ended up with a higher loan amount. My monthly payment is higher by XXXX $ due to this and overall i will end up paying XXXX $ in interest plus the tax amount {$4700.00} overall loss to me not to mention the emotional turmoil of endless calls and the refinance stress.
Product: Checking or savings account

Friday, XX/XX/2021 Dear CFPB : This correspondence is in regards to my filing a complaint against PNC. PNC has revoked my online banking access and frozen my money to both of my PNC checking accounts without warning or reason. This has happened today, Friday, XX/XX/2021. 
I learn about the freeze when around XXXX EDT I tried ordering on XXXX. Its system says that my debit card was declined. I tried my other PNC debit card and the XXXX system produced the same result. 
I XXXX PNC Bank Help 3 times. I also left two XXXX direct messages. In addition, I called the XXXX number and was placed on a 1-hour hold TWICE! It took PNC two hours to reply to me via XXXX. 
Now the games began again. I promptly responded to PNCs direct message request only for the customer service representative to be non-responsive. I submitted screenshots of my online banking account revocation and my 1-hour hold phone log. PNC still as of XXXX EDT still is revoking my account without any reason. 
My Remedies I demand that all of my PNC bank accounts be restored Online banking access and debit card access restored All money in both PNC checking accounts restoredwithout XXXX XXXX missing My ability to dispute any funny charges on my account since PNC did not notify me of anything. I register for account alerts. It is myunderstanding that today, XX/XX/2021, I did not receive my alerts. 
A proper investigation and explanation into what happened to my account. 
The CFPB can contact me at either my email or my phone numbers. My email is XXXX. My cell is XXXX. My other phone is XXXX. Please help me. I have been suffering for 4 hours and PNC still is freezing my accounts for NO reason! Thanks. 

Sincerely, XXXX XXXX Enclosures
Product: Mortgage

Ocwen Loan Servicing has now received XXXX, XXXX modification applications for a HAMP II modification. The first application response " never received '', the second response from Ocwen " nothing '' they said they sent a denial letter and through our attorney, a request was made for a copy of what was supposedly sent to us as a denial and they NEVER sent us a copy. The XXXX application was sent through the courthouse computer and finally months later we heard, " NO MODIFICATIONS ALLOWED ON OUR MORTGAGE BY THE OWNER '', the bank sent the copy of their servicing agreement with XXXX XXXX since our response was " well, for a loan that can not do modifications, we already got an approved HAMP i '' ... ..okay, please send in another application ... We sent in another application and our attorney received a denial letter because " YOU 'VE REACHED YOUR MAXIMUM IN HAMP LOANS AS YOU '' VE ALREADY RECIEVED A HAMP I AND HAMP II ''. That 's completely false. Meanwhile I call Ocwen to just see if they are consistent in anything and I am verbally told by our account manager, that we were denied all kinds of modifications including the XXXX because our mortgage owner " does not allow modification!!!!! '' Now we are suppose to appeal!!!! I will not only appeal, I will be sending Ocwen 's CEO, President OBAMA and the OCC a copy to show how well Ocwen is doing as a federal mortgage servicer of the HAMP mortgages! PS Ocwen has already been fined by the feds millions of dollars for wrongful accounting and servicing. YET HERE WE STILL ARE!!!!!
Product: Credit reporting or other personal consumer reports

I have noticed inaccuracies on my credit report concerning 15 USC 1681c-2. The hard inquiries listed were not authorized by me and are negatively affecting my credit. Kindly remove all unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Optimum Outcomes has sent serverl invoices stating there is a outstanding balance of {$290.00}. I have reached out to this company asking for validation of this debt including a signed contract with their company, In turn I got a letter XX/XX/XXXX stating that this is all the validation they will give and that this is the last time that they will not send me any type of verification or validation. I still have not gotten a signed contract w/ this company or any identifying information that this is indeed my debt. No identifying character, DOB, SSN, account #, date of service, or a signed contract. I contacted the company on XX/XX/XXXX and spoke with XXXX. I asked for validaiton including a signed contract with this company. XXXX then stated that she does not have to prove anything to me and I need to pay this debt I then informed XXXX that I have been a victim of Idenity theft serveral times and I need validiation with a signed contract. XXXX then told me that I am a liar and that the debt needs to be paid or else and disconnected the call.
Product: Credit card or prepaid card

I purchased a flight from XXXX XXXX on XX/XX/2020. The flight was XXXX fri XX/XX/2020 from XXXX to XXXX. Arriving at XXXX ; XXXX. returning XX/XX/2020 flight XXXX leaving XXXX arriving XXXX ; XXXX. With my Chase slate card. The airline changed my Friday flight to Sunday arriving XXXX cutting the time of my original trip by over half. I denied this flight and wasn't given an option of a refund. I therefore called my credit card company Chase. They were supportive and told me they understood and would take care of it no problem, as it was obviously a significant change. It was credited on XX/XX/2020 in the amount of XXXX. I was pleased and thought it was finished. On XX/XX/2020 I was re-billed for XXXX. I called the dispute customer service on XX/XX/2020 at XXXX. waited for 45min on hold. Spoke with XXXX who informed me that they were only offering a flight voucher. I told her that the Department of Transportation made it clear that any changes made by the airline were totally refundable. Still to no avail I asked for the supervisor, XXXX XXXX was the id she gave me. She said there was nothing she was going to do whether it was the law or not. Leaving me no choice but to file this complaint.