23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am currently in an active chapter XXXX bankruptcy and I want to voluntarily reaffirm my debt with Gateway mortgage. I have filed pro se. I am able to file the document myself with no charge. Gateway states that if they send it to counsel that they will charge my account. For me to be able to file I have to have the original signatures which the bankruptcy manager at gateway XXXX is refusing to send it to me. Stating that he does n't trust me and that he will not send it to me because I could change something. I am a bankruptcy lead for a mortgage company and I know that I can not legally change the information as that would be fraud. I have conveyed this information but he still refuses to send it to me. The court allowed me to file the reaffirmation but with deficiency of the mortgage company needing the original signature. When I contacted XXXX this morning he stated that they are sending to counsel and when I called I advised about not billing the fee to my account as that would be incorrect XXXX hung up on me. 1. With the note and mortgage that I signed at closing it does state that a fee may be assessed if referral to counsel is necessary " if there is a default '' we have never been in default on our mortgage account. 2. I have opinions from multiple local attorneys stating that the fee has to be listed in the reaffirmation agreement to be able to charge to the borrower. In this case the fee was not included in the reaffirmation agreement that I signed and filed. So in this case I do not believe that they would be able to charge the fee to me. All I want to do is reaffirm the debt to ensure that my monthly payments are reported to the credit bureaus as I know without the reaffirmation agreement they would not be able to. Again I can file it for free I just need the original signatures from the mortgage company which has refused and they are going to send to counsel and bill my account for something I can do for free.
Product: Money transfer, virtual currency, or money service

I started investing in Blockfi in XXXX and moved my money over from XXXX. I did this because Blockfi had promotions for their interest account. They were offering over 10 % interest on some of their products, so I brought over my bitcoin and XXXX. During that time at Blockfi, they were growing in their business, and everything seemed to be going fine. I even started a loan with them where they would essentially give me the cash and hold my bitcoin as collateral. I also started using their new product, which was called the Blockfi credit card through XXXX. My first loan started on XX/XX/XXXX, for {$10000.00}. I specifically used the money to buy more bitcoin on the Blockfi platform in hopes that bitcoin would go up. Nonetheless, I made the decision to re-up my loan for {$10000.00} on XX/XX/XXXX. I currently hold XXXX Bitcoin and XXXX XXXX on the Blockfi wallet. With XXXX Bitcoin held as my collateral for the loan. 

Now with all that being said, I was depositing my hard-earned money into Blockfi over a two-year period. I believed everything that they said was true, they were growing as a business, and I believed and trusted that they would hold my crypto safely. The reason for this complaint is that they were dealing with XXXX, which is a crypto company that filed for bankruptcy due to fraud and scam. The former CEO of XXXX was charged with over eight counts of illegal activities, including wire fraud. XXXX essentially bailed out Blockfi over the summer which commingled customer funds, including mine, which is illegal. 

My life savings were held in Blockfi and unfortunately, I do not have access to them now due to Blockfi bankruptcy hearings. Another reason I believe this complaint will be heard is that Blockfi continuously tweeted on XX/XX/XXXX that all the customer funds were safe and there were no problems during the XXXX collapse. I decided to keep my funds with Blockfi and not make any drastic moves because I believed the company and trusted him. But literally the same day that night they tweeted out that they had paused withdrawals due to the XXXX collapse. 

I have been investing in stocks and crypto for over six years and this is the first time that I realize that my money is not safe due to centralized entities controlling my money. I do not know if I should sue Blockfi or XXXX but I surely do not have the funds to do that. Hopefully, this complaint can be heard and I can get some clarity on what will happen with my money. It is unfortunate that the former CEO of XXXX collapsed a {$32.00} XXXX company and lost over {$15.00} XXXX in customer funds. He even gave XXXX of dollars to celebrities and politicians to use their platform. It could have been customer funds of Blockfi as well. I am scared that I will never get my money again. 

Please help and acknowledge this complaint, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX  Inquiry from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 The inquiries listed above were obtained without my knowledge or consent. I am requesting Transunion remove them from my credit report immediately. Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 

My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX
Product: Credit card

XX/XX/XXXX late fee applied {$40.00} for XXXX ; due date XX/XX/XXXX, minimum due {$80.00} XX/XX/XXXX paid {$80.00} minimum payment XX/XX/XXXX late fee applied {$40.00} for XXXX ; due date XX/XX/XXXX minimum due {$80.00} XX/XX/XXXX late fee applied {$40.00} ; due date XX/XX/XXXX minimum due {$120.00} XX/XX/XXXX paid {$120.00} minimum payment XXXX XXXX XX/XX/XXXX over limit fee applied {$29.00} ; due date XX/XX/XXXX minimum due {$40.00} XX/XX/XXXX late fee {$40.00} and over limit fee applied {$40.00} ; due date XX/XX/XXXX, minimum due {$80.00} XX/XX/XXXX late fee {$40.00} and over limit fee {$40.00} applied ; due date XX/XX/XXXX, minimum due {$120.00} XX/XX/XXXX paid {$80.00} of {$120.00} minimum payment XX/XX/XXXX late fee applied {$40.00} ; due date XX/XX/XXXX minimum due {$80.00} XX/XX/XXXX {$80.00} payment made XX/XX/XXXX returned for NSF XX/XX/XXXX paid {$40.00} of {$80.00} minimum payment XX/XX/XXXX late fee {$40.00} and return check fee {$29.00} applied ; due date XX/XX/XXXX minimum due {$170.00} XX/XX/XXXX late fee {$40.00} and $ XXXX  monthly fee applied ; due date XX/XX/XXXX minimum due {$220.00} XX/XX/XXXX late fee {$40.00} and $ XXXX  monthly fee applied ; due date XX/XX/XXXX minimum due {$280.00} XX/XX/XXXX late fee {$40.00} and $ XXXX  monthly fee applies ; due date XX/XX/XXXX minimum due {$350.00} My question is this, I understand charging a late fee when no payment is made. Even though I had already established with the company I was jobless and could not make the payments back in XXXX. The company said they could not remove any late fees until I made a payment and then they could only remove one late fee. My entire balance on this card is virtually fees. As of the XX/XX/XXXX statement the card has a balance of {$920.00} of which {$610.00} are fees. I don't understand how they expect anyone to be able to catch up. They unwillingness to remove but one late fee when they stack them up against the consumer is just a bad practice. It could be completely legal for them to do but I just wanted to make someone aware in case they are being shady. Thank you.
Product: Debt collection

Velocity Investments has already petitioned me. I responded and have been trying to resolve the matter via regular mail, certified mail, email, and numerous phone calls. 
They responded with the amount and the payments but failed to correct the amount owed after the payments and are trying to still collect on the original loan. 
I talked to a person today after XXXX attempts in XXXX ( with detailed messages ) trying to come to a settlement. Today, I was transferred to a supervisor and went right to voice mail. 
The company has a horrid reputation on the web. The debt is not their original debt. the bank is XXXX in Utah, whom is being investigated by FDIC I found. 
The constant lack of manpower or tactics is pushing people to their limits unnecessarily and I have a bench trial in 7 days for this debt. 

I have been agressively proactive in trying to resolve the matter with payment plans and they are rarely available and when I finally was able to speak with someone today, she stated I am not correct, etc. when even their documents show my payments and the original amount. 
Please help. With upcoming student loan payments, this is already pushed my credit score below XXXX and is not sustainable.
Product: Vehicle loan or lease

US Bank holds the loan on my vehicle. I registered this vehicle with the state of Maryland in XXXX of 2021 and have been struggling to get the lien holder to process the title transfer from California to Maryland. Based on numerous emails, US Bank appears to have Since XXXX of 2021, I have calling and emailing back and forth with US Bank to get this done. I can not get anywhere. All they ever do is tell me it is not done yet. 
On several occasions, I asked for the name and contact information of someone who could help do more than check the status of the state to state lien transfer. I have repeatedly requested that the matter be escalated in the system and was told that they did not have the authority to write custom email requests. 
Despite the fact that I make monthly payments on this loan, I am unable to legally register the car nor can I attempt to sell it without the title transfer. I received a citation for an expired tag and have had to request a trial date to avoid paying a fine for something that I have absolutely no control over.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent a request to XXXX XXXX to validate a debt they listed. I gave them same info that they furnished to the credit bureaus. They responded telling me the information that I provided did not match any accounts that they have in their system. So I sent them a request to remove this account, As well as sending a request to XXXX, XXXX and Experian with all documentation asking them to fully verify this account and provide me with that information or remove it. 

XXXX sent me a response that its " verified '' - funny how that works because the information was already said to be unverifiable by the company themselves. 
XXXX doesn't do any investigation Experian - updates comments stating it was verified but has zero communication with me. 

Ive included all correspondence as well as copy of credit report.
Product: Credit reporting

I recently obtained a copy of my credit report from Equifax. There was an unauthorized inquiry made by XXXX XXXX Bank. On XXXX and XXXX, I wrote to Equifax advising them of the unauthorized inquiry. On XXXX, I wrote to XXXX XXXX Bank asking for proof of the inquiry. To date, XXXX, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!
Product: Consumer Loan

After moving from a house that I was renting I received a collections notice in the amount of {$4700.00} from Capital Accounts. When asking them what the amount was pertaining to they stated it was from XXXX XXXX XXXX whom we rented from. I do not owe XXXX property management any debt nor this company. Upon viewing my rights I sent Capital Accounts a certified letter to dispute the debt, Capital accounts did not validate the debt. They did not send any documentation proofing the amount they claimed I owed instead they placed the account in collections.
Product: Money transfer, virtual currency, or money service

I lost money in scam. I hired forensic company and they found money at Coinbase account. Scammer is holding my money at Coinbase account. Coinbase doesn't want to refund me the money although I provided them all the evidence that this is my money. Please reach out to Coinbase and have them refund the money. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not fix my credit report or fico score after sent them documents
Product: Credit card or prepaid card

VENMO has charged me {$1500.00} & {$650.00} several times and have NEVER SENT THE MERCHANT THE MONEY! ... I have already paid the merchant so he ( XXXX XXXX ) would get his money due .... Venmo still owes me a credit for BOTH charges XXXX XXXX Total of {$2200.00} is the credit they owe me I have called them a dozen times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( payment from me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment XXXX XXXX
Product: Debt collection

I will try to be as brief as possible. I have submitted my DTR last year I have recently received an email stating no determining descision has been made and that communication with Fedloan servicing would be made as well. I then received notice from Fedloan in an email stating they were going to automatically take money out of an account I removed from their auto pay several years ago. I did this when they illegally drained my bank account of over XXXX use. I was left panicked and drained unable to eat sleep or much of anything else. I lost my job I went off the deep end. I ended up getting this back by disputing all of it. This email from Fedloan was followed up by a personal phone call. I demanded to know why they took me off my administrative forebarrence. They replied " I do n't know after several calls and emails removing the account and their ability to drain me again. I also requested any all all documents and a review with a reason why they removed my DTR rights! This was all requested the 1st time XXXX XXXX 2017 and again on XXXX XXXX 2017 and now again today XXXX XXXX 2017. These loans are fraudulent loans I have a letter from my states attorney citing the " holder clause '' and many other fraudulent practices made by the XXXX XXXX XXXX XXXX. Now I continue to have to go through XXXX! This will not continue! I am not a XXXX I am not your puppet! Take me to court in XXXX!  The federal government has been paid back by XXXX my debt is a result of all their fraud! These loans are fraud! They must be removed from any and all collection agencies and all other affiliated or non affiliated us government made agencies. I have proof these are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED SOMEONE USED MY INFORAMTION T OPEN THEM THEY USED MY PHOTO ID SOCIAL SECURITY NUMBER WITHOUT MY CONSENT SOMEONE STOLE MY IDENTITY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

I attempted to resolve this issue directly with Bank of America they were reluctant to do so. I explained to them the circumstances regarding the account and offered to provide them with a copy of an identity theft report to which they declined and spoke to me in a very rude and condescending tone. I have filed MULTIPLE disputes with the 3 credit bureaus regarding this account in particular. They do not due their due diligence in their reinvestigation process nor does bank of america. XXXX has already removed this account but the other credit bureaus, XXXX and experian have not. I filed a complaint with the CFPB already towards bank of america and instead of reaching a resolution I was contacted by someone named XXXX XXXX XXXX XXXX XXXX resolution specialist. His reasoning for contacting me was to verify that I did indeed engage in a complaint against them. I confirmed that via email for him and was happy to do so. However, this contact was unwanted, all I want is for my issue to be resolved. After having representees of their company talk down to me in the past I want no further contact only a resolution to the issue at hand.
Product: Mortgage

On or around XXXX XXXX, 2016 I received a letter from XXXX XXXX XXXX ( my mortgage servicer at the time ) stating that my loan would be transferred to SLS on XXXX XXXX, 2016 and I would receive information about my new loan number, accounting details and mortgage coupons. On or around XXXX XXXX, 2016 I received a letter from XXXX XXXX XXXX a foreclosing attorney dated XXXX/XXXX/2016 stating that SLS was going to foreclose on my home 19 days after the loan was allegedly transferred to XXXX. Which enlisted an amount of {$800000.00} which was a different payoff from the amount due prior to XXXX XXXX XXXX transfer of loan. I want proof that SLS is the current servicer of my loan. I want proof of accounting from SLS and XXXX. I want to know why I was denied the right to pay my loan, offered a loan mod, deed in lieu, or short sale prior to sending the loan into foreclosure as required by law. Especially when your loan was transferred to a new servicer and sent into foreclosure less then 30 days from the alleged transfer. I want XXXX and SLS to cease debt collection practices until they can prove that SLS is the actual and current servicer, accounting details, a mortgage coupon, current pay off and payment options as required by law.
Product: Payday loan

I took out a loan from Cash Call XXXX 2014 for {$1000.00} with monthly payments of {$190.00} a month. I lost my job in XXXX of 2014 and continued to make the payment. I called them to make arrangements in XXXX of this year. Because of my unemployment I told them I was unable to make the payment. They would call me about XXXX different times from numbers from PA, OH, IN, CA, TX and NC. All of the calls were less than an hour apart and sometimes back to back. Even when I speak with them, they would call me back hours after to continue the harassment. It is very stressful and causing so many issues in my life. I have advised them that this is harassment and they can not legally do that. If I missed the payment, they would debit my account with XXXX day notification and refuse to stop it causing me to go in further financial hardship. I told them my account is going to be closing and they debited my account again thus keeping my account open until fees are satisfied. They refuse to stop debiting the bank account for over 3 months and every month is the same thing. I being abused by the reps on the line and bullied by them.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XXXX, XXXX and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 4 personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX and XXXX XXXX opened XX/XX/XXXX. An auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent charge offs appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed there is inaccurate information reporting on my credit report. Account is reporting under someone else 's name. 

Account : XXXX I contacted Experian and requested investigation & removal of inaccurate account from my report. Such proof has not been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquires on credit report are fraud i did not make these inquires please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
XXXX5 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Debt collection

I noticed on all XXXX of my credit reports that there is a collection from ACE CASH that i have no knowledge of, have never dealt with them before, and believe its due to an identity theft. I want this collection removed and to not report again or i will be seeking further action.
Product: Mortgage

W currently have a home loan with Select Portfolio Service. We are looking to refinance with another company to lower our interest rate and they informed me that with Select Portfolio in 20 years we will have to come up with a balloon payment of approximately XXXX dollars or lose our home. This information caught us completely off guard. We bought this house XX/XX/XXXX with a " coffee arm loan '' soon after we refinanced to a 30 year fixed rate at 4.75 % so we thought. I called Select Portfolio yesterday to discuss this with them and they proceeded to tell me we have a Loan Modification with a balloon payment due XX/XX/XXXX for XXXX. My husband and I feel we were misled in regards to the terms of this loan. The lender I am currently speaking with suggested I contact you, he calls this a " Toxic Feature '' I hope you can help us with this situation.