23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have a high interest loan with Axos Bank that we are refinancing through XXXX XXXX. XXXX XXXX has requested a demand statement letter from Axos Bank on Monday XX/XX/2020. On Friday, XX/XX/XXXX I was informed by XXXX XXXX that a letter has not been received from Axos Band and the loan will expire in 10 days. I sent an email to Axos Bank on XX/XX/XXXX to : Axos Customer Service XXXX, Compliance Team XXXX, XXXX XXXX XXXX   XXXX, XXXX. I was blocked from the Compliance team email and have not heard from anyone to date with the exception of a computer generated email informing me they have received my email. On saturday XX/XX/XXXX I called a new phone number on that email, XXXX that said I could call 7 days a week. I was sent to the loan department by the first person but the loan department does not work on the weekend so I went to voicemail. I called back and when asked to speak to a manager I was disconnected and the third time I called I was informed I had to call back on Monday morning at XXXX. I called Monday, XX/XX/XXXX at XXXX XXXX., waited on hold for 35 minutes and was then sent to the loan department where I was assisted for 2 minutes then put on hold again for 20 minutes only to be directed by the phone system to leave my phone number and someone would call me back as I noone was available to help me. I had to file a complaint with CFPB about Axos Bank about a month ago for a similar issue.
Product: Vehicle loan or lease

Capital One is the auto lender for millions of first time vehicle owners, many of them have no previous credit history. 

Capital One denied me of an auto loan because of Requestor : No accounts listed as primary borrower. 

This would only be fair if 100 % of applicants were required to have accounts listed as a primary borrower, but because Capital One does not it make a requirements for everyone but theyre making it one for me- this is discriminatory.
Product: Debt collection

I hope this letter finds you well. I am writing to dispute a late payment entry appearing on my credit report. Upon reviewing my credit report, I noticed an entry for a late payment on XXXX XXXX XXXX XXXX for the month of XX/XX/year>. I believe this entry is inaccurate and request that it be investigated and corrected accordingly.
Product: Debt collection

I never received any notification from Fresno Credit Bureau about this debt. The address they have is an old XXXX that I did live at in 2012, so I should have received something if they did send it. 

As we lived in XXXX, CA, I am confused as to why we would be billed from a company, according to the internet is, located in XXXX XXXX, CA ( 60+ miles away ). At this point, I would require proof of the debt, as I have no knowledge of it. Please send me a copy of a signed contract and proof that Fresno Credit Bureau was assigned this debt and has a legal right to collect on it. My email address is XXXXXXXXXXXX. 

Thank you, XXXX XXXX
Product: Debt collection

On XX/XX/2023 the debt of the amount of {$1900.00} was disputed on XXXX and XXXX as being not a valid debt. The collection company CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX still has not reach out to me to provide a legally required debt validation letter, which outlines what debt and original contract, creditor information payment history, proof of ownership. The statute of limitation on New York State debt is 3 years. This debt is incorrect on my credit report and should be removed due to it being time- barred and falsely stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated for ( Brigit ) account # XXXX, but how is that possible if its incorrect data and not 100 percent accurate. This is grounds for removal they violated my rights! On this account for the month of XX/XX/XXXX XXXX has the account listed as ( ND ) however I will provide bank statements that shows I paid in XXXX. I have sent two prior disputes in regards to this issues and both came back with same results with no deletion or fix. Complete violation to my rights. XXXX, XXXX, XXXX are reporting different information for months of XXXX, XXXX of XXXX. 

Also on my bank statement that I sent you can see I made my payment XX/XX/XXXX that XXXX as ( ND ) on my credit report 15 U.S.C 1681 section 5 ( a ) states that If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 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 an account without my written instructions.
Product: Mortgage

I Had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and contents. I contacted my insurance company and was told my insurance had been cancelled because the mortgage company did not pay the insurance premium. My insurance and taxes are paid from an escrow account. The insurance company said they sent two different notices to the mortgage company and they never responded and therefore cancelled my insurance for non payment. It was their responsibility to pay it and they failed and I am now homeless with nothing and no way to rebuild but still on the hook to pay for a burned down house. This doesn't seem right.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report several auto loan places showed up on it last year which prevented me from renting a XXXX XXXX  XXXX XXXX I had submitted info to both the company and XXXX  and nothing was done and no response and I requested a response and proof of my signature. 


Auto Financing Companies Contact info XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit card

I had bought a laptop from XXXX using my chase credit card mileage explorer. The laptop was defective and i contacted dell to return it. It was returned ot them via return courier. 
I did not receive any refund from XXXX. Therefore I contacted Chase to file a dispute with XXXX to get my money back but they did not dispute with the merchant
Product: Credit card or prepaid card

They gave me information that I was already pre-approved for credit cards. When I apply I was denied by several companies.
Product: Mortgage

My loan transferred to Loan Care in XXXX. They boarded the loan incorrectly saying that I did not have a homestead exemption. They failed to notify me and failed to maintain my homestead exemption per RESPA requirements. I have now overpaid my taxes by over {$1000.00} since XXXX and they continue to raise my escrow payment. I had to go work with the XXXX County Central appraisal district on my own to the the exemption updated for XXXX and XXXX, however they would not do anything for me on XXXX and XXXX. I expect Loan Care to fund my escrow account for XXXX and XXXX for the amount I was overpaid due to their acquisition error and overpayment of taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do NOT have a signed contract nor any contract with Kohls. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
Product: Credit card or prepaid card

I receive a letter from Chase Bank stating that they had denied me for a credit card due to adverse action. I would like to state that this is a violation because adverse action states that I can only be denied for employment or insurance. I can not be denied my right to credit pursuant to 15 USC 1691.
Product: Credit reporting or other personal consumer reports

TransUnion has unauthorized reinsertion of accounts on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Specifically, the XXXX  XXXX XXXX XXXX XXXX Account Numbers : XXXX were previously deleted but have since been reinserted without the proper notification required by law. 

According to FCRA regulations, if a previously deleted item is reinserted, the consumer reporting agency must : 1. Notify me within five business days of the reinsertion.

2. XXXX XXXX XXXX that the furnisher has verified the information 's accuracy and completeness.

I have not received any such notification, and I have reason to believe the reinsertion was done without proper certification, which is a direct violation of federal law. As a result, this unauthorized reinsertion has negatively impacted my credit profile. 

I demand that TransUnion : Immediately remove the reinserted accounts unless full compliance with the FCRA reinsertion requirements can be demonstrated. 

Provide me with the name and contact information of the furnisher who verified and reinserted the information. 

Issue a written confirmation of the accounts removal within 15 days of receiving this letter. 

Failure to comply with my request may result in a formal complaint to the Federal Trade Commission ( FTC ) and potential legal action for damages under FCRA provisions. 

I have enclosed a copy of my credit report highlighting the unauthorized reinsertion and any supporting documentation. 

I expect a prompt resolution to this matter by permanently redeleting these accounts.
Product: Checking or savings account

Just overtime, received overdraft fees, when account was showing enough money in the account. 

Have overdraft protection Been a member since 2015
Product: Credit reporting, credit repair services, or other personal consumer reports

There is reason to believe that the website owned by Equifax may have sent out randomly generated responses in relation to if my information was stolen or not. I believe this is unfair to the public. I have a right to know if my information is safe. I do not think it is right for Equifax to use their services and still make people waive their right to a class action lawsuit for using their services.
Product: Payday loan, title loan, personal loan, or advance loan

Below is the 3rd mail complaint/dispute that I sent to Santander.

This is my 3rd email now after making multiple phone calls and speaking to supervisors and disputing the reversal of the electronic payment made XX/XX/XXXX on XX/XX/XXXX. I have so far spoken to Supervisors XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. 

I demand a phone call from XXXX XXXX XXXX, Head of the Customer Service Center or another XXXX to review my dispute. Not a supervisor. 

I have attached for the 3rd time copies of bank statements proving that the funds were available at the time the payments were made and were never reversed to either the XXXX XXXX or XXXX XXXX  checking account. 

I am ready to hire an attorney and sue Santander Bank and employees for theft and fraud and for making me waste hours of time to get this ERROR/FRAUD dispute resolved. Somebody reversed and lost/stole my XX/XX/XXXX {$500.00} payment and I am XXXX!!! If my credit history is affected I will sue Santander Bank for defamation of character as well. 

FYI, historically I have made payments on the first week of the month rather than the last week of the month based on monthly cash flow. I am currently withholding payment of the XX/XX/XXXX installment until Santander Bank corrects the reversed XX/XX/XXXX payment and the interest charges based on proof that I have provided via Bank Statements showing the funds electronically paid from the XXXX XXXX account on XX/XX/XXXX yet mysteriously being reversed more than 30 days later on XX/XX/XXXX. Both the XXXX XXXX and the XXXX XXXX  statements show proof funds were always there and were NEVER charged back to either account. 

One additional note, Santander Bank is charging me extra interest on the reversed {$500.00} and a late fee and the additional days of interest on the payment I am withholding because of the erroneous/fraudulent payment reversal. I plan to sue and collect for that as well if this matter is not corrected. 

I have documented these emails and phone calls and they will be used as evidence of Santander Banks lack of concern with getting to the bottom of this and correcting the payments to my account and abusing a small customer. 
My phone number is XXXX. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax 1. refuse to block accounts identified as ID theft after I submitted required documentation on 4 separate occasions.

2. refuse to provide full file disclosures after written request 3. Refuse to provide method of reinvestigation after written request 4. Refuse to provide documentation provided by furnishers to verify account after written request
Product: Student loan

My name is XXXX XXXX and I went to the university XXXX XXXXIn XXXX oklahoma. I have graduated and now my father ca n't be release from my loan due to forebearance. I have made all of my payments on time and believe it is unfair to keep my father on my loan and debt. Please address this issue so he can be removed from my loans.
Product: Mortgage

In XX/XX/XXXX I applied for a VA loan from Quicken Loans. Appraisal was good for {$99000.00}. I wanted to borrow {$79000.00}. Right in middle of the process, Quicken told me I could not be eligble for a 2nd VA loan. So they gave me an FHA loan for {$76000.00} with higher interest rates and {$5500.00} on unnecesary closing costs. I called it bait and switch. Loan # was XXXX. I then reapplied for a VA mortgage in XX/XX/XXXX with XXXX XXXX XXXX and to my surprise and joy was deemed eligible for a VA loan in amount of {$91000.00} with my appraisal of {$110000.00}. My VA loan # is XXXX. My complaint is with Quicken because I feel they erred and owe me some damages at least in amount of {$5500.00}.
Product: Debt collection

Creditor Name XXXX XXXX XXXX Original Creditor 12 SPEEDY CASH 83 Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

on  XXXX   XXXX  a transfer of  XXXX  $ was sent to my venmo account from user  XXXX . I was then messages from the user that the transaction was a mistake and that i need to send back the  XXXX  that was sent to me. I reached out to a rep and asked him about the  XXXX  and if it was actually getting transferred? the rep then said that  a specialist will reach out to me regarding the situation. A few days later i received an email stating that my venmo account is being deactivated permanently. I asked if there is is documents or anything i can do to rea ctivate my account and deal with the situation i was put in and the rep has never responded to me.
Product: Debt collection

on XXXX/XXXX/2015, I filed an dispute with NCEP. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised NCEP to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised NCEP that not complying wit the FDCPA will put their company in a bad position with the CFPB. NCEP never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .NCEP sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.
Product: Credit reporting

I visit www.annualcreditreport.com I put my info in and it time me out when I went back to get my free credit report it said i already recived my 1 free credit report and I tried to get it when it timed out with out giving it to me!!!
Product: Money transfer, virtual currency, or money service

Coinbase withdrew {$500.00} from my bank account twice without my authorization starting XX/XX/21. They then froze me out of my own account, which remains frozen to this day XX/XX/21. With funds over {$3500.00} at the time, I could have cashed out at the peak for XXXX. I contacted the company over 10 times and they could not care less. I have seen thousands of other people sharing the exact same experience online as well. My guess was to freeze accounts in order to inflate their holding prior to their IPO. 

Do not use Coinbase
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REQUESTING A RUSH INVESTIGATION INTO THIS MATTER, LOAN PENDING. 

Complaint : I need the following bureaus to remove the errrant account that has been verrified and validated to be correct when it is absolutely 100 % obviously not when all 3 bureaus report something different. 

Targets : XXXX XXXX Experian Please reference CFPB Compaints : # : XXXX - XXXX XXXX XXXX XXXX # : XXXX - XXXX XXXX XXXX > Passed to Comptroller of Currency # : XXXX - XXXX XXXX XXXX XXXX  Again Dear Bureau, All 3 CRA 's above did not follow the Fair Credit Reporting Act Section 611 in the investigation of my disputes. They didn't follow any laws. 

They recieved the dispute, it automatically got sent to the collector who automatically generated an acknowledgement letter and then automatically generated a validation letter with the most recent account statement. Those documents are mailed to the person disputing hte innacuracy and they submit verification to the Bureaus. 

The Bureaus though, are supposed to conduct their own independent investigation into disputes and if they had done that in any of the disputes in this case it would be obvious that this account continues to report inconsistently and innacurately since I started disputing the account in XXXX of 2020. 

I want to know how the XXXX bureaus above were able to verify based on their investigation that my dispute was not accurate and the company was accurate when the information I submitted in my dispute is 100 % not accurate or consistent and remained that way since appearing on my report.
Product: Checking or savings account

somewhere around the XXXX of XXXX my account with XXXX  ; a popular crypto exchange was compromised and my payment information which was attatched to my crypto account was used to purchase crypto and then withdrawn to an external wallet under the control of the hacker. I filed a cryber crime report in connection with the matter and disputed the unauthorized transactions with chime. 

They denied my disputes, I have re-opened the dispute going on the third time now and they still will not budge. The charges were unauthorized. PERIOD. 

As a visa card issuer, chime is bound by the visa card issuer agreement with regards to unauthorized transactions and must also conform to regulation XXXX. 

In addition chime has what is called a XXXX XXXX XXXX and what this means is that account holders who report unauthorized charges within a certain time frame shall not be held liable for the unautorized charges. 

Chime seems to believe no error has occured when obviously due to the number of transactions, how close apart they take place, and the ammounts in question this is obviously fraud that has taken place. 

I will contact the media and escalate to legal action if chime does not reimburse me for the unauthorized charges in question.
Product: Payday loan, title loan, personal loan, or advance loan

This company having financial issues and had asked before if they had a hardship program due to financial issues and stress.
Product: Debt collection

I ( a natural person ) was issued a false debt by EDFINANCIAL in the amounts of {$2400.00} and {$4400.00}. I contested with EDFINANCIAL asking to provide me the original instrument. EDFINANCIAL failed to provided me this instrument. I was sent a letter which I uploaded alongside this complaint. EDFINANCIAL has also been reporting late payments during these most stressful and uncertain times of XXXX between XXXX. These accusations have caused a negative effect on my credit worthiness and a great deal of stress. I am a consumer who only wants to ensure my financial matters are in fact valid but why would I pay an alleged debt? This is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT..
Product: Debt collection

I was not properly served notice of a suit that has been filed against me. This law office acting as a collection company has no legal bases to sue me. I have no contract with them. I regularly check the court records online to ensure that there are no cases against me and this was how I found out. This company did not properly serve me. I have also noticed that there is a completely different company ( XXXX XXXX XXXX ) on my credit report filing negative information for this same account. I have submitted a debt verification affidavit ( via certified mail ) over 21 days ago and they have not responded.
Product: Debt collection

To Whom It May Concern, Account Number : # XXXX / Kansas Counselors Inc. 

Reviewing my annual free credit report, Ive notice Kansas Counselors Inc. negative account on my credit report. I have never heard of this company, never signed a legal binding contract with Kansas Counselors Inc. or I have never received any documentation from Kansas Counselors Inc. Understanding my rights, Ive requested under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } requesting validation by a certified envelope to Kansas Counselors Inc. Listed below Ive request the following information : What money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Please provided a copy of a signed Health Insurance Portability and Accountability Act release form : I have not received anything from Kansas Counselors Inc referencing I have a debt instrument with them. Per the Federal Trade Commission ( FTC ), Kansas Counselors Inc is NOT following guidelines of what constitutes proper debt validation. I have NO contract with Kansas Counselors Inc, I am not obligated to pay for the alleged debt, Kansas Counselors Inc is the reporting inaccurate information on my credit report. 
Im planning to apply for a VA mortgage loan, and Kansas Counselors Inc account is negatively impacting my ability to qualify. 

Thank you for your attention, XXXX XXXX