23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was sold by XXXX to Loancare LLC on XXXX XXXX, 2015. My mortgage payment was due on XXXX XXXX. I submitted a payment to XXXX electronically on the XXXX, not understanding that it would n't go through, and in fact I was given a confirmation number as receipt of payment. A week later I checked my bank account and no funds had been taken out of my account. XXXX 's website now said that my loan had been sold and gave me an incorrect customer service number for Loancare XXXX. After finding the correct number ( and calling XXXX to let them know the number on both their website and customer service line was incorrect, ) I spoke with Loancare who informed me that my payment had not been processed and was now late. I was informed by Customer Service that there were no late fees associated with it - in fact that no late fees could be associated with my account for 60 days after the sale - however, there is a one time payment fee on a sliding scale depending on how late your payment is. For payments 1-4 days after the due date there is no fee, 5-9 days is a {$5.00} fee and 10 days or more is a {$10.00} fee. They say this is a one-time draft fee and not a late fee, although I 'm at a loss to understand how this is n't a late fee in disquise. I made the payment to Loancare electronically - including the additional {$5.00} fee - because I wanted to make sure my account is up to date and I feared racking up any additional " fees. '' Their Customer Service Department said that they can not waive that fee and I should look to XXXX for reimbursement ( which does n't make a lot of sense. ) I believe that the " processing fee '' for late payments is in fact a " late fee '' illegally charged to customers during a confusing and poorly managed loan sale.
Product: Mortgage

My husband left me my job I had a lost do to me Catching XXXX and I got behind On my house payment due to a job loss and the loss of my soon to be ex-husbands income
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 My unemployment check was deposited into my PayPal account for the amount of {$780.00}. After the money was deposited, PayPal decided to lock my account and freeze my funds. I have had this account for less than a month. I have done nothing wrong but deposit money and use it to make online purchases. I contacted PayPal and they said I would have to wait 180 days to release my funds. I am unemployed, have bills to pay and a child to take care of.
Product: Mortgage

PNC Mortgage is demanding that I provide documentation of cash deposits ( which I can not since they were cash amounts I saved over years ) even tho I have an amount for the down payment from clearly documented sources.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat This item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute on account number XXXX with Experian due to incorrect balance and closed accounts. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

I am filing this CFPB complaint to request in pursuant to FCRA 605b ( 15 u.s.c 1681c-2 ) that you, block information appearing on my consumer credit report that is a result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of 2 different fraudulent accounts that has appeared on my FICO credit report. I do not recognized the accounts that are reporting which are results of identity theft and fraud. These fraudulent accounts consist of an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a student loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I'm still im disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like for this item to immediately be re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX ( XXXX ) In accordance with the fair credit reporting act, public law 91-506, TITLE VI SECTION 611.PLEASE provide the names and updated copy or my credit report after reinvestigation.I request because of these inaccuracies that this account be deleted off my credit report.EQUIFAX AND EXPERIAN.
Product: Money transfer, virtual currency, or money service

The company ( Coinbase ) manages virtual crypto wallets. The method of access is either mobile app or web app using typical user/password authentication followed with a XXXX or XXXX challenge . My account uses XXXX and when authenticating to the service the user/password combination is successful but the Coinbase telephone SMS short code is never sent with the authorization code that is required to input into the web/mobile app challenge to complete the authentication process. 

The issue was taken up with my mobile ISP ( XXXX ) who escalated with a tech support person and engineer to resolve the issue if it was on my end at the phone or their end at the mobile ISP service. My phone was fully reset to defaults and reviewed for any phone or code blocking that could prevent the Coinbase service from sending messages to the phone. Then we successfully tested other short code services ( XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX 's short code service, and several other short code services from other applications I use ) and reviewing XXXXXXXX XXXX XXXXXXXX  logs for my phone number, it was proven that the Coinbase was never sending their short code XXXX response. 

Before this process with the mobile XXXX, Coinbase 's online support pages had been followed fully, two times with no success. Phone calls were made to Coinbase 's support number but the service does not actually respond with advice or a person that can assist. At the end of each decision tree of the phone support queue you are dropped from the call.

A ticket was opened with Coinbase which initially only offered a canned response of what was provided in the online support pages. Additional information was sent to Coinbase to show that the problem was not at the customer end and a single email response with a repeat of the support advice was returned. When Coinbase was presented with the evidence that neither the mobile device or the mobile ISP was the problem, Coinbase ceased responding.

Several thousand dollars are currently residing in control of Coinbase who at this time is not responding to any attempts at communications. 

At the advice of a XXXX engineer I have submitted complaints to the Common Short Code Administration ( XXXX ) directly through the XXXX XXXX XXXX XXXX ( XXXX ) in regards to their short code service not responding according to XXXX best practices. The same complaint was also filed with XXXX XXXX who is tasked by the XXXX XXXX XXXX to monitor and enforce short code best practices. 

I am including a screen shot of the authentication page where the XXXX challenge code is input. This shows that I have control of the user/password and can partially authenticate into the Coinbase webpage but require the short code response from Coinbase to be able to move any further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my XXXX loan to XXXX XXXX in XX/XX/2021. They recently wrongly reported my account as delinquent, tanking my credit score by more than 100 points, but I have paid my loan to them in full!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint in regards to being a victim of identity theft and a fraudulent and unauthorized account and hard inquiries listed on my XXXX XXXX, Experian and XXXX  credit report. I have filed 2 police reports in regards to the fraudulent and unauthorized account and hard inquiries listed on my credit report. The following account and hard inquiries are fraudulent, unauthorized and do n't belong to me, I never applied for any account or hard inquiries with the following creditors : XXXX XXXX/XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX 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, 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, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX,XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THIS IS MY 2ND REQUEST... XXXX : Creditor : XXXX XXXX Co Acct # XXXX Creditor : XX/XX/XXXX Acct # XXXX Creditor : XX/XX/XXXX Acct # XXXX Creditor : XX/XX/XXXXAcct # XXXX Creditor : XXXX XXXX Acct # XXXX EXPERIAN : Creditor : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XX/XX/XXXX XX/XX/XXXX Acct # XXXX Creditor :XX/XX/XXXX Acct # XXXX Creditor :XX/XX/XXXXAcct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # XXXX
Product: Checking or savings account

On XX/XX/2023, I opened two accounts, the XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX, with XXXX  through their website. I followed the instructions and proceeded to transfer the initial deposits into the accounts. Using my Discover account detailsspecifically the routing number and account numberI made two distinct transactions : a {$25.00} deposit into the XXXX XXXX XXXX and a {$25000.00} deposit into the XXXXXXXX XXXX XXXX XXXX XXXX  through the XXXX website. 

However, on XX/XX/2023, I received notifications from XXXX stating they encountered difficulties funding my newly opened accounts and decided to refund. However, I only received the {$25.00} deposit reflected in my Discover account. The {$25000.00} intended for the XXXX XXXX XXXX XXXXXXXX XXXX did not appear. 

Despite numerous attempts to resolve this issue by contacting XXXX, I have not received a satisfactory resolution. After submitting a complaint in CFPB to XXXX, I finally received their response on XX/XX/2023. XXXX informed me that their vendor, XXXX, holds the funds, and they advised that Discover 's ACH department should request a debit return. In response to XXXXXXXX XXXX guidance, I promptly contacted Discover and provided all the necessary information by phone. 

However, to my dismay, I received a letter from Discover on XX/XX/2023, stating that my dispute was closed. After immediately reaching out to Discover again, they reopened the dispute, assuring me of a credit return by XX/XX/2023. To enhance Discover 's investigation, I submitted both XXXXXXXX XXXX response letter and XXXX XXXX email. 

As of today, XX/XX/2023, I have not received any feedback or a credit back from Discover, and my attempts to seek clarification from the Discover dispute team have been unsuccessful. 

This financial situation has made my life a mess as I need to use the {$25000.00} to pay my rent and groceries. Therefore, I seek the CFPB 's assistance in facilitating a resolution to retrieve the missing {$25000.00}, along with any accrued interests, which have been outstanding for over two months.
Product: Debt collection

XXXX XXXX Debt of {XXXX} showed up on my credit reports in XXXX XXXX but debt was supposedly opened in 2014. I recently contacted XXXX XXXX and the collection agency XXXX XXXX XXXX concerning this matter. After 30 days later XXXX XXXX XXXX dismissed the debt and XXXX XXXX sent a letter in XXXX which I do n't speak not sure why the letter was sent in another language. I had the letter translated into english it said the debt was dismissed XXXX XXXX but it still shows bad debt on my XXXX and XXXX credit reports.
Product: Checking or savings account

Since XX/XX/2023 I have not been able to access my savings nor checking accounts online. I tried to get a verification code send to my number in order to verify it was ne in order to access the account. The verification code did not work because it was an old number that was on file. I thereafter tried calling capital one customer service in which I uploaded my passport photo successfully a few times, about 3 or 4 times, in which my request was denied anyways. I am unable at this moment to access both of my accounts and all of my money. I need to access my accounts.
Product: Debt collection

Modern Adjustment Bureau is is inaccurately report a debt of {$7500.00} with an age of account of XXXX  months. 

This account was closed with the original creditor in XXXX  with a balance if {$4000.00}. 


I have disputed several times and creditor will not provide information to the sell and balance if vehicle.
Product: Credit card or prepaid card

I bought XXXX dresses from XXXX  and paid using Affirm. The dresses were of poor quality and I returned both to XXXX  and received email acknowledgements on XX/XX/XXXX that both were received. I have the email receipts. 

I saw that I would be charged for another installment for each dress on XX/XX/XXXX. I contacted Affirm 's online help the rep stated that credits were showing on the account for both returns. I asked if I would be charged anyway and he stated there was nothing he could do. He suggested I write Affirms website : XXXX XXXX XXXXXXXX Sure enough my account was debited another payment for each dress again on XX/XX/XXXX despite the fact that their online rep acknowledged the credits in the system. Subsequent follow ups discussed the wrong purchase. 
When they know I no longer have the merchandise and cage me this seems like fraud. Also I don't know when, if ever, the merchant credit will show up on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit reporting or other personal consumer reports

The 3 party creditor put more negative remarks on report after being approved to be took off of the report. All XXXX inquiries are not mine Ive sent a lot of complaints no action to get these things off the report
Product: Debt collection

Validation request on XX/XX/year> & XX/XX/year>. Ability Recovery Services has not sent any correspondence pertaining to this matter. The debt continues to be reported to the 3 credit Bureaus. This is against FDCP practices.
Product: Credit card or prepaid card

Torrid Comenity banl credit card account # Account Ending In : XXXX I was unaware there was a balance in my account, It appears that my account was not credited correctly after a made a online return in XX/XX/2022, should have been for about {$30.00}. I was under the impression that the return and my payment in XX/XX/2022 had cleared my balance. Because the credit for the return did not happen the balance remained and a late fee applied for XXXX, XXXX and XX/XX/2022 totaling {$110.00}. 
During the time the late fees were being applied, I did not get any notices in mail. 

I checked on my credit and discovered there was still a balance on this account and this is how i found out about this. 

I tried calling comenity bank to discuss the matter and they transferred me around to at least 3 people no one knew how to help me and I was on the phone with them over 1 hour. I as put on hold and they ended the call. 
I since closed this account because I do not want to incur anymore fees. I would PPRECIATE ANY HELP YOU CAN PROVIDE ME WITH THIS MATTER. 
Thank you XXXX XXXX
Product: Debt collection

Upon checking my credit report on XX/XX/XXXX, I noticed information for THE BUREAUS in the amount of {$830.00}. They agency reported the debt to my credit report on XX/XX/XXXX, however I never received any notification of this debt, validation of the debt, or information on my right to dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing 1 past due payment amount forXX/XX/2018. Payment was not late from me but was posted late from mortgage company.
Product: Credit card or prepaid card

Georgia Unemployment department issued people these Way2Go Cards back in XX/XX/2020 when COVID19 started. 

I did not receive my card until late XXXX early XXXX, because I did not know my job was filing unemployment on my behalf. So when I received the card it was like {$9000.00} on there. Now its still the beginning of COVID and no one is really traveling, plus I just moved so I had mad bills I'm behind on due to the lose of my part time job. 
Prior transactions I had tried to withdraw money from the card but was not allowed to get more than {$300.00} at one time, from a bank listed associated with the card. Nor does the card give you the option to transfer money from the card to an account or different card. 

XX/XX/XXXX was the last time I used my card stopping at {$5000.00} so that I manage the remaining of the money for the rest of the year. XXXX the XXXX maybe the XXXX I checked my card to see that someone in Florida had withdraw {$2500.00} and change from the account as ATM withdraws. Two transactions where {$500.00}, {$400.00} and $ XXXX withdrawls. Now i'm confused because I have had my card the whole time no one even knew of the funds I had receive, nor did I even know anyone around me who has even been to Florida in the middle of COVID19. 

I called to put in a dispute XX/XX/XXXX or XXXX without a police report and was denied. Company stated after calling for over a month and hearing nothing that my dispute was denied for Conflict of Information. Which did not made no sense. All my transactions where made in Georgia so why would I go to Florida to make ATM withdrawals. Also I used the card regularly so why were those the only transactions made all the way in Florida. My last transaction was at XXXX in XXXX XXXX Ga XX/XX/2020. The first fraud transaction was made that same day in Florida. now how could I have made that transaction in the same day in two different states? If you check the transaction time frames you would see that is not possible. 

So I reached out to my lawyer and was advised to make a police report, report my identity stolen and resubmit the claim dispute. I did all this and was denied again. I have called and have been hung up on after waiting over an hour for an agent. Since XXXX I've called more than 10 times waiting over an hour every time to receive no information. I have been told I would receive a call back from the investigating offers and never received and call back. My lawyer has sent two letters to the company asking for my money back but we haven't heard any response from them. 

I have been calling them since XXXX and no one has told me why my claim was really denied. Conflict of information does not cut it what was the conflict of information?
Product: Credit card or prepaid card

My XXXX Store Credit Card is blocking access to my data via external 3rd party systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I had an Auto Lease Loan with XXXX XXXX  ( via XXXX of XXXX ). The lease expired on XX/XX/2020 and the vehicle was returned and the end of lease paperwork sent to XXXX XXXX. However, they kept sending us bills post lease end date and did not acknowledge lease had ended until XX/XX/2020. In the meantime, a payment late has showed up on our credit history and attempts to get rid of it has been unsuccessful. 

Please help.
Product: Mortgage

Gentlemen. 

Bank of America approved the borrower for a hamp modification back in XXXX 2014. Three times the borrower had to sign a modification document because Bank of America stated there was something wrong with the notarization. It appears to me that the first modification was signed and notarized correctly. Borrower got XXXX more modification documents to sign. XXXX in XX/XX/XXXX and XXXX more in XX/XX/XXXX. The XXXX in XX/XX/XXXX was executed in XX/XX/XXXX by Bank of America. 

Bank of America is now sending back Borrower checks. Bank of America needs to honor the hamp modification. Borrower has all funds needed to reinstate at modified payment. 

Thank you