23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our home used to be owned by XXXX XXXX XXXX who bought it from XXXX. Recently this year it was sold to Select Portfolio Home Loans. When it was transferred, XXXX didn't process a payment, and had us already showing we hadn't paid in XXXX. Select Portfolio already had us as late on a payment even though we had proof otherwise. My husband and i both make separate payments from separate banking accounts. You can not add the acct in your online account, or make partial payment, so we make bill pay through our own banking, My husband in the beginning could make his, and I couldn't and then somehow it switched, and i could, and he couldn't. In any case, we have been making payments, and he thought he was making his payments. We have been on the phone with select portfolio and our bank to prove the payments have been made and cashed. They go somewhere, no one knows where, and then its returned back into his bank account. We have shown proof of payment from both accounts from our banking statements. we opened a investigation in XXXX, and it's XXXX, and still nothing. Meanwhile i was advised to start the process for hardship so i don't lose my house. The only thing happening is Select calls me every day to go over the house, and then we have the same conversation, trying to get back to results of investigation. They advise it's been noted, and someone will reach out, and here we are yet again. We have made our payments, every month. I do not want to lose my house, i would love to refinance but how do you do that with a history by this lender that shows we are dysfunctional payees? This is unacceptable especially in the environment of Covid, we should be helping each other succeed ... .and instead, they are dragging their feet. I was on the phone the other day trying to sort it out with my Hud rep, and they kept stalling to put the mgr. on the phone, so clearly, they are not in the position of wanting to help, but rather drag it out. i need my house payment to reflect current. This is clearly an error on their side, and i want our credit, and history restored to show that we were in fact current this entire time. It is clearly not our fault that in your failure to investigate, and get any resolution. We have answered calls, made calls, emailed statements, shown proof, and discussed this more times than i can count. i never get the same rep so i am put through the torture of explaining it every single time, and the first comment is " do you plan on saving your home? you realize it's delingquent? ...
Product: Credit reporting, credit repair services, or other personal consumer reports

We disputed accounts that XXXX XXXX is reporting on a credit report for inaccuracy. They are reporting that I obtained services XX/XX/2019 which is not true. This same medical account was reported by another collection agency last year and it was removed for the same reason not sure why it's on here again. I disputed it through Transunion and XXXX  and without any proof of documentation from the collection agency they continue to report on the account despite the inaccuracies. I have since spoken directly to XXXX XXXX to a manager named XXXX which said they would be removing the account for inaccuracy and that it should be updated by XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I recognized unknown companies reporting to my credit, contacted them to ask for debt validation and proof of any contract I have with them or any product or service I received doing business with them. I was willfully met with negligence and noncompliance. Ive also filed a police report and ftc report for identity theft. This is very injurious to me and my family as I have a XXXX XXXX XXXX and cant get a car or approved for an XXXX  due to these companies reporting to my credit without consent or proof of debt or a contract. In accordance with the FCRA and FDCPA. There is multiple violations here.
Product: Mortgage

My home loan is serviced by FREEDOM MORTGAGE XXXX. XXXX  XXXX XXXX, IN XXXX. Their website is freedommortgage.com and it is available for online payments. 

On XX/XX/2019 I utilized their website to make an online payment. Upon completion of the payment process, I received a screen prompt advising me that a technical difficulty had occurred and my payment was unable to be processed. I called and spoke with a call taker and processed my payment. The call taker confirmed that my records showed an attempted but failed payment. The call taker confirmed that no payment was processed. I completed the process and made a successful payment. 

On XX/XX/2019 my bank records showed that two payments from Freedom Mortgage had been debited from my checking account. Due to the duplicate payment, I now had a large negative balance, overdraft fees and I was broke. 

This was a duplicate payment and it was an error by the online system. On XX/XX/2019 I contacted Freedom Mortgage and was advised I made the payment and they could not help me. I was told I could request a refund, but I would need to provide a bank statement. I provided the statement but then was told a refund wasn't possible but they would look at my statement in 24 hours. I spoke with a manager and was advised I might be able to be given a refund, but that it would take 48 hours to review my statement and over a week to complete the refund. 

Freedom Mortgage did not admit to the error. I was accused of fraud and I was told it was my fault. I disputed the transaction with my bank and that investigation is pending. 

I was treated unfairly, a duplicate transaction was taken from my account without my authorization, my request for a refund was not taken seriously and it was denied. I spent over an hour on the phone without any resolution and was told conflicting information. My online mortgage account transactions appear to not be secure. I am broke and now responsible for overdraft fees. This incident was no fault of my own.
Product: Vehicle loan or lease

Purchased vehicle on XX/XX/XXXX with " Permission to Borrow Letter '' from Bankruptcy Trustee for {$15000.00} XXXX. The vehicle was priced at around XXXX but somehow ended up at $ XXXX with taxes and fees. Motor went out XXXX. XXXX  XXXX warranty added into payments paid for new motor. Motor ( injectors ) went out early XXXX. Vehicle is XXXX and i need to return it to company and settle my losses without having to pay {$370.00} ( mostly interest ) per month until XXXX!!!!
Product: Credit reporting

This company just bought my loan in the past six months. Company is reporting false information. I 've never been late with them.
Product: Debt collection

Dear CFPB, In XX/XX/XXXX i was notified by the credit reporting agencies that a collection account was put on my file. When i checked it was from COMMONWEALTH FINANCIAL SYSTEMS , INC . But i never received a notification from the above mentioned debt collectors. so they put this account on my credit without giving me the chance to verify or validate it. I then got in contact with COMMONWEALTH FINANCIAL SYSTEMS, INC and requested a validtion of the alleged debt. In XX/XX/XXXX i received a bill from COMMONWEALTH FINANCIAL SYSTEMS , INC . so i requested validation of the debt again and have yet to receive it. COMMONWEALTH FINANCIAL SYSTEMS, INC has sent me another itemized bill instead of validating the debt they claim i owe. i noticed on the bill that the client they claim i owe is in XXXX Maryland but i have never been hospitalized in XXXX. please find attached copies of my communication with COMMONWEALTH FINANCIAL SYSTEMS, INC
Product: Debt collection

On XX/XX/XXXX, I received a call from XXXX XXXX XXXX the caller claimed to be from " PRA ''. The re caller requested identifying personal information from me ( SSN #, DOB, etc ), I refused to provide the requested information. The caller said " I'll refer this to our lawyers as you are not cooperating '' and hung up. I searched for the number ( https : XXXX ) and found that it was PORTFOLIO RECOVERY ASSOCIATES. 

On XX/XX/XXXX I sent a letter via certified mail demanding information about the allesged debt as is my rights as defined by the Fair Debt Collections Practices Act ( attached Letter A ) & ( Attached USPS form ) which shows delivered on XX/XX/XXXX according to the USPS Website " Delivered XXXX, VA XXXX Your item was delivered at XXXX pm on XX/XX/XXXX in XXXX, VA XXXX. '' I have received no written communication from PORTFOLIO RECOVERY ASSOCIATES as of the filing of this complaint. 

On XX/XX/XXXX at XXXX XXXX, I received a call from XXXX XXXX XXXX, caller hung up. Called back as was connected to Portfolio Recovery and the call was taken by a " XXXX ''. XXXX ( declined to give further info ) asked for DOB, I declined. She asked for the information multiple times. I ended the call As per the Fair Debt Collections Practices Act, PORTFOLIO RECOVERY ASSOCIATES is violating several laws and needs to be held accountable. 

Thank you.
Product: Money transfer, virtual currency, or money service

I used a XXXX party automated trading platform called XXXX and uses API keys to authorize trades through various crypto currency exchanges ( in this case Coinbase ). On XX/XX/XXXX I got an email from XXXX that my API access to Coinbase was XXXX. I attempted to login to Coinbase but my account was disabled. I went through the process in Coinbase to recover my account the same day. Coinbase stated they suspect my API keys were compromised, which I use on XXXX site. On XX/XX/XXXX, coinbase restored my account and I was able to login and identified fraudulent transactions on XX/XX/XXXX starting at XXXX XXXX and ending at XXXX XXXX With the API keys, the attacker was not able to withdrawal the funds directly, but they were able to sell my XXXX and XXXX holdings and then used a low liquidity coin, XXXX, where they can manipulate the price/market as there is low trading volume. They then created over XXXX transactions for buy/sell where my account was buying XXXX coins at {$0.00} and then selling them at {$0.00} ( amounts vary towards the end and price fluctuates ). My guess is the attacker was on the other side of the trade buying what my account was selling ( they buy low, and sell high where my account was buying high and selling low ) .I estimate they were making about {$1300.00} per trade, at approximately XXXX trades = $ XXXX plus over $ XXXX in trading fees through coinbase. The attacker 's IP showed up in the activity logs as 10.120.100.38, which is not a internet routable IP address. It's reserved ( RFC 1918 ) for private business and not supposed to be routable to the internet. However, the attacker would have to have had a coinbase verified account to be on the platform trading, given the time of day, and low volume on that particular XXXX coin, it shouldn't be difficult to pair the attacker to the trades. I have screenshots of my portfolio before the attack, as well as transaction logs for the trades themselves. 

XXXX is claiming their site was not breached ( https : XXXX ), and that it was phishing, but I know for a fact that I have not used or put those keys anywhere. That particular key is only used for XXXX, which I've had setup for about XXXX years. Their site is indeed compromised Coinbase has refused to refund the transaction fees, despite the transactions being fraudulent. XXXX doesn't hold me liable for fraudulent transactions, nor does my bank. But Coinbase is able to have XXXX liability?
Product: Bank account or service

Recently, I received a copy of my credit report. The credit report showed a credit inquiry by the companies listed, and that I do not recall authorizing. I understand this should n't be allowed to put an inquiry on my file unless I have authorized it. I have written Capital One Bank to have the inquiry removed from my credit file, but received no response. I have sent the complaint letter certified mail but I received no response to this issue. I kindly asked the Capital One Bank to forward me documentation that I have had on file or removed it all together. The creditor did not have authorization to inquire into my credit report as a breach may have taken place and my social security # has been compromised. 

Capital One Bank did not bother to respond or provide documentation that a credit inquiry was authorized by me. I am complaining about the deceptive and unclear authorization form supposedly I received to acquire such inquiry. The creditors have ignored my challenge which I sent Certified Mail Return Receipt Requested and kept track of the time that I sent the letter. By law if the inquiring creditor does n't respond within about thirty days. I have ample grounds to demand some action. At that point, it 's almost irrelevant whether or not you authorized the inquiry. This has becomes about the creditor 's lack of response to a consumer dispute. I am holding my grounds and demanding that the inquiry be immediately removed. 


I XXXX XXXX give permission and consent to the Consumer Financial Protection Bureau to obtain all XXXX credit reports to verify credit history. 

RESOLUTION : Would be to remove the inquiry or suppress by law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX TRANSUNION XXXX XXXX XXXX XXXX PA, XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. XXXX XXXX Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX SSN- XXXX Phone - XXXX DOB- XX/XX/XXXX Email - XXXX INQUIRES THAT NEED TO BE REMOVED BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I settled my 2nd lien with Specialized Loan Servicing back on XX/XX/2020. Terms were Release of Lien with a short pay of {$7500.00}. I sent the payment to them and received a letter stating I have a XXXX balance. The lien still has not been released. I called the clerk of court and they advised they do not have a back log in which is what Specialized Loan Servicing stated as to why the lien has not been released yet. I also requested 4 times now to have a letter sent to the title company stating the loan has been satisfied and paid in full with a XXXX balance. Im trying to close on this home. They still have not generated this letter for the title company which is holding up the closing of my home.
Product: Credit reporting or other personal consumer reports

This complaint is in reference to XXXX card with account number - XXXX. 

This account is reporting with a balance of {$3500.00}. I have provided a copy of a letter PROVING that this debt has been sold to a XXXX party debt collector. This account is therefore inaccurate and illegal to report since the debt was sold to another company and needs to removed immediately. 

This account is also reporting that the debt was Charged off in every month since XX/XX/XXXX and XXXX XXXX. This is fraudulent, inaccurate and incomplete reporting. This account Violates my right to 100 % accurate and verifiable reporting on my credit report and needs to be DELETED immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you with regard to my recent credit report. After reviewing it, I have found several inaccuracies that I would like to bring to your attention. 

Firstly, I have noticed that my name has been incorrectly listed as XXXX XXXX. This is not my name, and I request that you delete this information from my report immediately. 

Secondly, I have also found an incorrect account number listed under my name as XXXX. This is not my account, and I ask that you remove it from my report as soon as possible. 

Thirdly, I noticed that an incorrect address is associated with my account. The address listed as XX/XX/XXXX is not my address, and I request that you delete it from my report. 

Furthermore, the address listed as XXXX is also incorrect and should be removed from my report. 

Lastly, the address listed as XX/XX/XXXX is also not accurate and should be deleted from my report. 

I understand the importance of maintaining accurate credit reports, and I appreciate your attention to this matter. Please let me know if you require any additional information from me to complete these changes. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

This account appeared on my credit report claiming to be mine, even tho it is in collections, the agency reports it as open and current every month, as if there was some sort of arrangement, which theres not. Ive never received anything from this agency, Ive never opened an account with this agency or whoever they allegedly bought the account from. Ive asked for proof or verification that this account belongs to me and theyve only provided an alleged contract with my name on it, but not my physical signature, not my identification. Ive already disputed this as identity theft. This account does not meet FCRA requirements, since this agency is falsely reporting to my credit report.
Product: Debt collection

I made a dispute to transunion about the inaccuracies on my credit report .during the 30 days the creditors has not notified me of The debt they are claiming I owe.the agency are in violation of 15 usc 1692g and reporting these accounts are in violation of 15usc 1681 a ( 2 ) ( b )
Product: Mortgage

My current mortgage company is NewRez. My loan number is XXXX. My current interest rate is 4.875 %. I had been receiving mailings and emails about refinancing the loan at a lower rate. 

I initiated the process in XX/XX/XXXX. I was assigned a mortgage consultant XXXX XXXX XXXX # XXXX. At his request I submitted hundreds if not a thousand pages of financial records. Then when it came to finalizing the refinance Mr. XXXX would not return my calls or emails. I reinitiated the process in XX/XX/XXXX and reached out to NewRez. At that time they assigned a new consultant XXXX XXXX XXXX # XXXX to my refi. I lamented with Mr. XXXX my frustrations with Mr. XXXX and he assured me this time it would go much more smoothly. And for the first 2 days he was quick to respond. Just long enough to get my credit card # and advise that he was going to hold the info on file and would call me before running an appraisal on the property. I advised that due to very lown LTR I wanted to see if there was a waiver for the appraisal requirement. Mr. XXXX advised he would check and get back me. Less than 10 minutes after hanigng up with him i receive a notice that my credit card had been charged {$600.00} for an appraisal I had not authorized. I reached out immediately to MrXXXX XXXX but he would not return my calls. When he finally did, he acknowledged his mistake but stated he would 'make up for it ' by giving me a 1 % discount on the loan costs. I was a bit skeptical about this but wanted to finally complete this refi. I continued to reach out to Mr. XXXX to no avail. I was very frustrated and looked up the management team for New Rez. I first sent an email on XX/XX/XXXX to XXXX XXXX XXXX of the Service Dept summarizing my experience and request for some sort of resolution. When he did not respond I sent similar emails on XX/XX/XXXX to XXXX XXXX XXXX ( CEO ) and XXXX XXXX ( President ) in hopes I could get some response. None came.

After this, Mr. XXXX did call me back and apologized for being out of pocket. I was hoping we would finally finalize this process. Instead he asked me for more paperwork. 
When I asked specifically what paperwork he needed, he stated the last XXXX years business and personal returns. This was paperwork I had sent over on XX/XX/XXXX!. I told him at this point that I was done. I was too frustrated to continue with him or with NewRez. I researched the company on XXXX  ( should have done this before ) and saw numerous complaints of the same problem i was having. They would initiate the loan process and then just fall of the face of the earth. I told Mr. XXXX I wanted the {$600.00} credited back to my account. On XX/XX/XXXX he emailed that it was going tot take a few days. As of today, it has still not been returned.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX are reporting XXXX on my credit report. The account is inaccurate and needs to be removed immediately.