23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When we attempted in XXXX to pay our mortgage to Mr Cooper, we were unable To log into the online payment app. We have always paid every XXXX weeks and were up to date with payments. We were unable to contact the company by phone or email and received nothing by mail or email. From reading some articles online, it seems that our mortgage was now to be with XXXX services, some offshoot of Mr Cooper. We paid via a phone app for XXXX but felt very uncomfortable, it all seemed very unprofessional and cagey. Now the XXXX site is saying mortgages have transferred XXXX. We still have had no written or email communication and attempts to call or use their live chat has been unsuccessful. I have tried XXXX today and as usual the lines to speak to either a real or virtual person are crammed. I do not feel comfortable paying a different random person each month without some kind of formal communication. 
According to XXXX website, this site is not authorized by the New York XXXX Department XXXX XXXX XXXX. No mortgage loan applications for properties located in the state of NY will be accepted through this site
Product: Mortgage

Been dealing with Wells Fargo Home Mortgage on the modification process which started after a natural disaster and family loss the repairs were completed and the inspection was approved recently had to signed the paperwork including a split signature due a change on the personal status spoke with multiple employees after received a email from Mr XXXX XXXX who guided me trough the process this process of modification was approved and completed on XXXX/XXXX/2019 I was informed via email today XXXX/XXXX/2019 I received a XXXX package with the old forms dated back from XXXX/XXXX/2019 in blank they sent a check list along with these and it seems they want me to start the process with these forms again I called the XXXX XXXX XXXX number and is disconnected then I proceeded to call the XXXX XXXX XXXX were I spoke with XXXX who got irritated and transferred the call to Ms XXXX XXXX who after a while she placed me on hold as she stated that another department will assist me she mentioned that the paperwork was damaged after call after call I ended with the customer care recovery XXXX who confirmed that on their end my Modification is been approved and completed so he seems confused so he suggested I open a complaint as according to the settlement team my paperwork was damaged misplaced he was not clear I then proceeded with the complaint as this exhausting and stressful process was completed on both ends and now two three days they sent me these blank forms to start all over again my information is been misplaced between their departments and personnel they must follow as their own email stated on XXXX/XXXX/2019 and they are fully liable for their lack of privacy protection on my personal information which was even notarize and sent back in great condition to them via XXXX according to the federal law they are obligated to answer my concerns and they are not able to at this pint after my multiple calls and talking to their employees there I have copies of the documents I sent to them never tough a Company like this doesn't take these type of legal documents seriously and protected according to the law
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXX : account number XXXX XXXX XXXX XXXX  : account number XXXX XXXX XXXX XXXX XXXX : account number XXXX -XXXX XXXX : account number XXXXXXXXXXX 15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my written my instructions.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX  XXXX XXXX Balance : {$0.00}
Product: Debt collection

I tried to dispute them back in XXXX 2017 when I first received my credit report and they have failed to provide proof of a contract. I have no contract with them they continue to send an old billing statement as verification but I requested true validation of my alleged debt.
Product: Mortgage

XX/XX/19 the Quicken Retention team contacted me regarding the payoff request they received. They proposed they could do better on my new the mortgage for my new home I am set to close on XX/XX/19. I agreed to proceed with the application. In the online application process Quicken asked for my realtors contact info so that they could communicate the status of my mortgage with them. I provided my realtor XXXX XXXX 's name & contact information. On XX/XX/19, XXXX XXXX from Quicken sent an email to my realtor ( XXXX XXXX ) and the listing/sellers agent for the property I am purchasing, XXXX XXXX ( email attached ). This email disclosed that Quicken was processing a mortgage for me on the XXXX XXXX transaction. On XX/XX/19 XXXX XXXX was contacted once again by a Property Appraiser contracted by Quicken to appraise the property. He verbally disclosed he was contacting her to access the XXXX XXXX property for an appraisal for my loan with Quicken loans. At NO time was I asked for nor did I grant permission for Quicken to disclose my relationship with Quicken to XXXX XXXX. I believe this to be a GLB Privacy Violation. On XX/XX/19 I spoke with XXXX XXXX at Quicken 's " Senior Research Executive Offices '' regarding Quicken 's contact with XXXX XXXX. She explained this is part of their regular business practices to contact the realtors on both sides of the transaction. When asked how they obtained the sellers agent info ( as I did not provide it ) she did not respond the question. When pressed about privacy concerns regarding contacting an unaffiliated 3rd party without my consent/permission she stated she is not an attorney and could not comment. At that time I stated she and I had nothing further to discuss and I would submit the complaint to the CFPB for investigation. It is important to note I would not normally be submitting a complaint. However, from my perspective the dealings with the selling agent has been strained and contentious at best and the actions of Quicken have only served to further complicate the transaction & communication. I understand Quicken would have no way of knowing the struggle we have been having with the sellers agent, however that just goes to show why it is important for them to follow GLB Privacy and ONLY contact 3rd parties in which they have express permission from the applicant/borrower.
Product: Credit reporting

I have disputed an inaccurate public record Equifax has been reporting. They report that I have a NJ state tax lein of {$11000.00}. I have never had such lein. In fact I received a state refund this year. I have been disputing this since XXXX XXXX. I sent several more disputes throughout the years with no results. I called, disputed online, sent letters. With no response. I called today and they advised that in XXXX XXXX they verified this information. When I asked how this information was verified she could not answer that question. She told me to send supporting documentation. I asked how I would get documentation if I never had a lein against me in the first place. If they verified this inaccurate information as they are required to, then this would not be on my Equifax report. I have asked for a reinvestigation since XXXX XXXX. No response from Equifax and this time still remains and preventing me from getting a mortgage and a new home for my family. This item does n't show on XXXX or XXXX. There is no state or federal lein against me. I am demanding they remove this false and in accurate item from my credit report immediately. Or I will exercise my rights. In addition to the false reporting of the state tax lein, Equifax reinserted a collection account from XXXX XXXX and XXXX for the amount of {$120.00}.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXXXXXX 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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my CrossCheck consumer credit report sent to me via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Credco, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Product: Student loan

XXXX is the Servicer for my private loans I got in XXXX  school. 

The interest rate, while variable, is currently about 9 %. 

The interest rate at the beginning of the loan process was about 5 %. 

I called XXXX and asked about this, they said that I had to call Access Group.

I emailed Access Group on XX/XX/23 indicating that I'd like to lodge a complaint with them. 

To date, I've received no reply.
Product: Credit reporting or other personal consumer reports

Im reaching out to ask for help with an identity theft issue Ive been trying to resolve. An account with XXXX XXXX ( account number : XXXX XXXXXXXX XXXX ) was opened in my name on XX/XX/year>, but I never authorized any transactions on this account, nor do I even know what was bought. 

Despite my attempts to get this resolved with CBNA ( Best Buys creditor ) and XXXX, I continue to be told that the account is verified as mine. Ive even provided evidence to a debt collection agency that is harassing me about this debt, but I am still being pursued for something that is not my responsibility. 

I am asking for your help in getting this account closed and removed from my credit report. Ive tried everything on my own, and Im getting nowhere. The stress of this situation, especially with the collection harassment, is overwhelming, and I just want this issue resolved. 

Thank you for your time and assistance. I would greatly appreciate your help in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity thief, I have previously submitted documentation that these accounts were not mines. The creditors agree and removed them form my credit report. I went to take a look at my score to see that the following account had been added back. I was under the impression that this had be handled and the items would be Blocked and Deleted. I am hoping this is the last time i have to report these items. I have reached out to a attorney to help me with this matter, being that I have provided everything necessary to resolve this matter and they have put these negative account back on my credit report. 


XXXX XXXX {$0.00} Updated XXXX. XX/XX/XXXX XXXX XXXX XXXX  {$870.00} Updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} Update XX/XX/XXXX XXXX XXXX {$3600.00} Updated XX/XX/XXXX
Product: Debt collection

I am employed by a   XXXX   and insured by the  XXXX .   I ha d a Drs. visit  that was not filed with my insurance correctly.   Whatever the confusion, the debt was sent to debt collection before I ever received insurance information.   A company name d Harris and Harris sta rted calling me sometimes twice a day.   I called them and found that this was an incorrectly handled insurance issue.   I called th e Drs. Office and s traightened out the issues. My insurance then covered the visit.   I am still receiving calls-sometimes robo-even though this has been settled.
Product: Money transfer, virtual currency, or money service

I used to be a gemini user way back in XXXX and XXXX when I purchased cryptocurrencies and after XXXX I didnt use their services since cryptocurrencies were down starting from XXXX now when i try to gain access to my account i lost access to google voice no and email that was registered to receive verification codes during login. I created a support ticket on gemini website but got a response asking me to verify code sent to phone and email. I created XXXX Consumer Financial Protection Bureau complaints regarding this but gemini support keeps on asking me to verify code sent to registered phone and email which I clearly mentioned that I lost access to both. Now I am not able to access my funds in gemini account. I had similar issue with coinbase a competitor to gemini but coinbase support was able to help me login into my account by asking verification questions about my account. I dont understand why gemini support doesnt do that to restore my account. Please help. I can answer any verification questions that gemini support has to regain access to my account
Product: Mortgage

I was approved for a loan modification which I was thrilled with and could easily afford, My husband was incarcerated which left me alone to pay my bills by myself. When I got the papers to sign that I accepted the modification they wanted it notarized, which I did. I sent them back and they said they weren't done right!!! I asked for another form to sign and they NEVER sent it to me., Finally I got someone on the phone who actually knew what they were talking about and faxed the papers to me.. I signed them and faxed right back within minutes and they refused it because I forgot to put the date on the paper!!!!! 
They have done nothing but cause me stress throughout this process. No one gives you the same answer and I have had nothing but a run around with them for over a YEAR!!! 
I have also been hung up on by the reps and refused to be transferred to a supervisor. Is this good customer service???? The ones that knew their job were very good and talked to me in a professional way. 
So bottom line is that because I didn't date the acceptance but did sign it, they are making me do this all over again, Nothing is straight forward with SPS and they set you up for failure. They have all my details from before and put me thru XXXX again ... ..just for a date????? I never asked for them to be my mortgage company..they were assigned to me thru XXXX who was very easy to deal with and I got the same person all the time who helped me tremendously when needed. SPS has very poor reviews and lots of them., Now I can see why.,
Product: Credit card or prepaid card

My AMEX Credit Card company placed my card in protected status for XXXX and XX/XX/2020, after I threatened to speak with the Maryland State 's Attorney Office as they were not working to provide any type of forbearance or deferment plan due to my financial hardship experienced due to the COVID-19 health situation. It was only when, in XXXX that I had called and spoken with a rep threatening this action on my part, that I called back a few days later and was informed that my account had been placed on protected status. I was not given any prior notice of this action and had I not called back, I likely would have been unaware that this action had been taken on my behalf. I called back every month near the date of my scheduled payment, theXXXX, to update AMEX on my financial status without further issue. When I called back at the end of XXXX, I was informed that AMEX could not extend protection for XXXX as it would overlap with XXXX, and to call back closer to my XX/XX/XXXX payment due date to see what options were available at that time. I called AMEX around XXXX XXXX, and was informed that my protection was either no longer active or was to be inactive that week, and was presented only with an option to enroll in a lower payment plan but I had to make a payment that very same day. I informed due to the COVOID-19 crisis, I would like to have the month of XXXX deferred so I could begin making payments in XXXX, as I anticipated that I would be gainfully employed by that time and able to make more than the minimum payment without issue, but I was still experiencing financial difficulty at that time. I was informed that AMEX had no option to forbear or defer any payment at this time. I was then called about a day or two after that call from AMEX asking if I could make a {$100.00} payment to bring my account current. I informed I could not for the same reason as the previous call. They then asked if I could make a {$60.00} payment, and I repeated the same information. I then informed AMEX I would be filing a complaint with the CFPB regarding this issue. They abruptly thanked me and ended the call without further discussion or interest in alleviating my situation.
Product: Checking or savings account

There were suspicious withdrawals and my account XXXX for XXXX on a closed checking and debit account through XXXX. I settled with XXXX but Truist froze my account for an investigation. I been a month and they still haven't unfrozen my account leaving me without any source of money. I'm physically XXXX. My phone was cut off, I can't get basic medical and living items. My debit card for car share. Other utilities and homeowners insurance a month behind. I'm a prisoner in my own home, physically and mentally spent. The bank wil no longer respond to my inquires. They block my access via their app.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act Comenity Bank Victorias Secret has violated my rights.

15 USC 1681 section 602 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 an account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

I have been trying to notify Road Auto Finance company of the null contract that XXXX has put me in. They will not here me out they have been trying to illegally reposses my vehicle. And ignore my every attempt I AM GOING TO SUBMIT DOCUMENTS BE LOW TO BACK UP MY CLAIMS. 

Contract is Void due to the following violations and can no way possibly be denied. 
I also have reasonbly belief that XXXX falsified information on finance application of my income to get me approved for Auto loan. 

1. Service contract, the service contract was included in my 54 month ( 4.5 year ) finance amount even though the service contract Cleary states ( 3 years ) 2, Dealer fees, the dealer imposed fees for service that are not required by law to be paid by consumers infact the service implied only takes ( maybe 30 minutes ) maybe a are never done again yet I'm am being charged for them for ( 4.5 years ) ( I.e cleaning the vehicle, washing vehicle, topping off fluids. ) All which ARE ALREADY INCLUDED IN TOTAL PRICE OF VEHICLE AS WELL AS NOT REQUIRED IN THE STATE OF FLORIDA 3. TOTAL AMOUNT FINANCE IS INCORRECT!! TOTAL Contract is VOID ALL VIOLATIONS OF TILA, UNFAIR DEBT COLLECTING, AND POOR CONSUMER TREATMENT!!
Product: Checking or savings account

my wells fargo account has put a government stimulus check on hold in my account. my boyfriends mom and his brother finally got theirs the other day and since my boyfriend already had his deposited into the account we didnt think nothing of it? so i deposited his brothers first and it cleared no problem, then later on i did his moms check and they put a XXXX $ hold them house later then put a hold on both of the checks? 2 weeks before that his mom got some checks in the mail that she didnt know was fake or something but wanted to see if it would clear bc the person who sent them was stating they would, but i waited until the the money was cleared or returned before even touching the money so that there would be no problem.. this is why they are basically holding my boyfriends moms and brother check ... which is fine but its not the same check ones from some person and this is a official government stimulus check. they are also closing my account bc of this one time of these checks being returned .. i have had a good history with this bank. no overdrafts or anything actually. i called to talk to the bank about it and they are just rude and dont really care about whats going on. im frustrated.. i wouldve never got with this bank if i knew this is how they did customers ... closing my account holding these checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am filing a serious complaint against the credit bureau for selling my personal information, lies, vulnerable to me, my good name, my family, my business, my future and my life These liars must be removed from the law! 

Thank you, XXXX XXXX