23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 


This is an updated version of the FTC theft report, as I have found a new account that is fraudulent and was not opened by me. XXXX XXXX  {$3700.00}.
Product: Mortgage

I have a loan that is serviced by roundpoint mortgage. On XX/XX/XXXX my wife received a call from our insurance agent stating that our loan servicer had not paid our insurance premium, even though it was being escrowed. I immediately called roundpoint. I spent almost 1 hour on hold. The lady I spoke with said they had not received a bill and she would call my insurance agent. I was placed on hold and when she returned she said it had been worked out. On XX/XX/XXXX I received a letter from roundpoint stating that my insurance had expired and I was required to prove I had it or they would buy insurance for me at a higher rate. I looked at my account online and it showed no payment being applied to my insurance, even though it showed my insurance company and due date on the escrow portion of the account page. I again called roundpoint. As I type this, I have been on hold for over 1 hour and 45 minutes.
Product: Debt collection

I ca n't understand who and why they came to drop off a document of a summons and need fo you to validate all these ... So provide all details of my request ...
Product: Credit reporting

I have been penalized for paying off my debts. My credit score is terrible, and the mortgage lender is threatening to refuse my mortgage loan or not honor the rate set. The scoring system is deeply flawed. The credit score does not reward financial responsibility. My score always plummets immediately after I pay off my mortgage. I have no time to find or build a new home with a good credit score. 
I do not want to use credit cards, and the system requires that in order to have a good score. This encourages debt. It has nothing to do with credit worthiness. I have had XXXX mortgages, XXXX auto loans and several student loans. All have been paid on time and closed with no incidents. Nevertheless, I have a " fair '' credit score. They drop mortgage loans after a few years so that lenders do n't see the history. So, they penalize people who stay in the same house for a period of time. I would like for something to be done about this. It is wrong.
Product: Debt collection

I spoke to customer service about the non stop phone calls. 
Harassment, I received the threatening calls intimidating calls from a law official to resolve a matter. I asked him that I told him that I was in hardship I ask for deferment I needed time. I need it away out of this unfortunate the font on my credit of student loans help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this  information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- PERSONAL ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I recently disputed an item with XXXX XXXX XXXX and it was determined that this was not my item and that i was not responsible for the charges that were incurred so with that being said I received a corrected credit report with the item deleted from all three credit bureaus. I recently applied for additional credit and this item has magically reappeared and also after removing the item they sold this account to a lawyer.
Product: Money transfer, virtual currency, or money service

This morning I initiated a transfer of XXXX to my bank account, it failed. 
I have been on hold with Robinhood for a chat since XXXXXXXX XXXX, I called, their call back system doesn't work. I looked up an XXXX on line, and got someone, but I think it was a scam, they wanted to create a fake account, but I hung up. I want to close the account, but I can't reach anyone. I have XXXX in the account.
Product: Mortgage

I have doubled my income in the last 2 months and submitted the documentation to the BofA as a change of circumstance. At the same time a sale date XX/XX/XXXX ( 2 days from now ) on my home was issued. Here in California " dual tracking '' is illegal, but the BofA continues to practice it. Here is how they get around the law. My contact person says the underwriter requires more documents, and once I submitted them, the underwriter asks for more while the countdown continues. This is where I find myself today, with the underwriter continuing to review my submissions one day before the sale date. The underwriter has asked me for the same information, so as long as the " review is not complete '' the BofA does not remove or postpone the sale date. 

My contact person sets up a day and time to check in. I call at that time and get only voice mail. The contact may call later that day or another day. When I see who has called I call back. The contact person does not answer the phone, only voice mail. This has gone on for some time and the result is I will receive a computer generated letter saying the bank has made several attempts to contact me, which puts me in a bad light. The appointed day and time for this conversation has yet to occur. All of this is to say that this even more delays being able to complete the necessary submissions for a modification. My sale date is 2 days from now ( XX/XX/XXXX ) and the contact person said she would schedule a phone appointment on XX/XX/XXXX to discuss my modification progress with the underwriter. XX/XX/XXXX is one day after the auction. 

My strong sense of this is that the bank is letting the clock run out by stalling me with these tactics. I have had postponements before, mostly due to complaints filed with CFPB XX/XX/XXXX XX/XX/XXXX. This has come at great relief because I was able to continue to restore the family home which results in more room rentals ( I live on the property ) and continue to develop my skill sets for employment. I have demonstrated a slow but stead increase of income and with this latest doubling of my income I would have expected a modification. It is clear to me in the one day remaining they have no intention in completing it. 

In addition, I asked BofA to reveal my investor. They named the XXXX. I called and emailed them and they said they were not the investor but a trustee on behalf of XXXX XXXX XXXX is Countrywide and is owned by BofA . I earlier complaint to CFPB was not answered by BofA in that they repeated XXXX as the investor. As a homeowner who has been restoring this historic XXXX home that my parents bought for 16 years, I feel I and others have the right to communicate with the entity who holds the note. This issue was covered in my previous complaint. 

This same non disclosure pattern occurs also when asking who decides the sale date. BofA says the investor or the BofA law firm XXXX XXXX XXXX ( XXXX XXXX ) sets the date. XXXX says they follow the BofA instructions.
Product: Credit reporting or other personal consumer reports

In XXXX I had my original student loan consolidated. 

My old servicer XXXX has put the blame on XXXX XXXX student loan services as of XX/XX/XXXX. 

XXXX XXXX to my knowledge performed the student loan consolidation by paying off XXXX student loan installments and making them one account. 

I have been disputing inaccurate information by student loan servicer XXXX  for years All I want now is for XXXX XXXX and XXXX XXXX to remove all closed student accounts and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank issued a 1099C on XX/XX/XXXX in amount of {$2300.00}. On my credit file, they are listing balance as {$3800.00} as of XX/XX/XXXX. I requested they update the balance to {$0.00} since a 1099C was issued and needs to be filed with IRS but they are denying updating the info with all three credit bureaus.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These Actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these errXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Received letter from collection company in XXXX, MA for a debt to original creditor liberty mutual for the sum of XXXX wrote cease and decide letter still getting correspondences.
Product: Payday loan, title loan, or personal loan

I called CashLinkUsa to extend my loan for additional funds. The first person I talked to ( a male ) stated they can't give me anymore funds unless I pay it off and then they can start a new loan. He said once I pay it we can get on the phone with my bank to make sure it cleared and we can process a new loan the same day. 

He transfered me to a CSR ( a woman ) and she stated that a new loan couldn't be process for 30 days. I told her the man I just spoke to said I can do it the same day. She said I can take the payment but the loan can't happen until Monday. 

So I paid off the loan then I got on the phone with another loan rep ( a male ) who says now we can't do it because you paid off with the debit card and we have to wait 30 days ultimately putting me in a bind because I have to pay a bill that has to do with my internet services of which I can't work with out it. I work remotely so without internet I'm in a bad place and can't work.
Product: Debt collection

after checking my credit reports i noticed that torres was reporting incorrectly on multiple reports. I have not done business with this company, have no signed contract with them nor do i owe them any money.
Product: Money transfer, virtual currency, or money service

Hi, I have opened an account with Coinbase and successfully went through their KYC process. I successfully linked my XXXX XXXX XXXX bank account to fund the Coinbase account. I purchased two Bitcoins and some other alternative coins without any problem. 

Three weeks ago I was unable to purchase any other coins because my 'buy ' option was XXXX. The error message said as such but without any details. 

I logged several tickets without success and received only once response which seemed like a robo answer saying the issue would be 'escalated '. This has been over a week and no further communication was provided. 

At this point, I simply want to liquidate my account with Coinbase but I am unable to do so and without any recourse. 

I currently hold about {$21000.00} dollars in digital assets in my Coinbase account. Without any recourse or ability to access my assets I consider them stolen. The fact that I 'see ' them in account without having any transaction rights does not change this reality.
Product: Checking or savings account

My account was permanently suspended and they give me no way to contact a human being on the phone and get my funds that were in the account. They gave me no explanation or reasoning other than I may have violated the member agreement. Which I know I have not so I dont understand whats going on.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : -XX/XX/XXXX-30 Days late- -XX/XX/XXXX - 30 Days late- -XX/XX/XXXX - 30 Days late - -XX/XX/XXXX - 30 Days late- I am not sure how this happened, I believe that I had made my payments to you when I received my statements/bill. My only thought is that my monthly statement did not get to me, and therefore caused me to look at the wrong date. I'm sure I paid ontime during those months. Definitely not 30+ days late.
Product: Debt collection

This companyis garnishing my paycheck. I was never served with any paper work of the lawsuit and this suit was filed after the statue of limitation. This veh was repossesed XX/XX/XXXX I only found out about the garnishment through my job advising me on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report Dear EQUIFAX, I am writing to formally dispute the following inaccurate information on my credit report. The items listed below are incorrect and should be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

The disputed items are as follows : - Late Payments : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the FCRA, the following sections have been violated : 1. **15 U.S.C 1681 Section 602** : This section states that I have the right to privacy. The inclusion of the above-mentioned items on my credit report is a direct violation of my privacy rights.

2. **15 U.S.C 1681 Section 604 ( a ) ( 2 ) ** : This section clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not provided written instructions for the reporting of these items.

3. **15 U.S.C 1666b** : Under this section, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. The late payments listed on my report are therefore incorrect and should be removed immediately.

Thank you for your time and cooperation.

Sincerely, XXXX XXXX
Product: Mortgage

On Thursday, XX/XX/XXXX, Citibank told me that they re-ran my XXXXedit score from the initial applicaiton in addition to my wife 's credit score and my wife 's credit score had decreased 15 points from a XXXX to a XXXX. As a result, we would have to pay additional points totalling. We were never told that our credit score would be re-ran nor we were never made aware of our credit scores initially, so we did not know that a XXXX was the threshold to receive the fewest points possible on our mortgage. We were just told that we had excellent credit. I escalated this with upper management who told me that nothing could be done. We're closing on Tuesday, XX/XX/XXXX, so I was not even given ample notice to potentially seek out other lenders. The total is points amounted to an additional {$2200.00} in cost. In terms of my wife 's credit, we have not done anything that could've directly impacted it outside of some charges for the new house.
Product: Credit card or prepaid card

An account was opened in my name in XXXX. It was opened in store by someone pretending to be me that I used to live with. However, at the time, I was not living with them. The person was paying on the account. They had their email, their phone number, and their address linked to the account. I found out in XXXX and immediately brought it to the attention of law enforcement. I filled a report and pressed charges. I was advised by the officer to reach out to the creditor to see what they suggested. I have been trying to get this issue resolved since XXXX. The person was found guilty spent time in jail and has since been released. Yet, I am still trying to recover from what they did to my credit. I have disputed the account, and they apparently deemed that I am responsible for the account. Whenever I try to call about the account to see about possibly paying it off or finding out how much was taken using my info, they advise me they are not allowed to release the information. The person used all their information for the account ; they just used my SSN and name. Everything else belonged to them. I need help resolving this because it is not fair what is happening to me or what was done to me. The account number I got from one of the bureaus was XXXX.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX. In XX/XX/XXXX, the car was in the shop for over 40 days getting the faulty motor replaced. In XX/XX/XXXX it was " Presumed '' a Lemon and GM on XX/XX/XXXX offered a Collateral Trade. This trade was contingent upon getting my lender to agree to the trade. Since that time I have called GM Financial on many occasions, explaining what I needed. They would note my account pass me on to various department and no further action would be taken. Occasionally I would get someone who had some idea of what department could help me, and I would hold for long periods of time just to hit a dead end. Someone would give me another phone number to call which just got me to the same main line. In XX/XX/XXXX of this year, my Dealer Rep. XXXX XXXX of XXXX XXXX received instruction from GM Financial to complete a collateral trade info packet and fax it to them. After faxing it two different time, we had confirmation that the package was received and they would contact me when they were ready to move forward. After numerous emails to XXXX XXXX in Loss Mitigation, XXXX responded on XX/XX/XXXX and said she could initiate the dealer exchange process, as long as I understood that they would NOT issue any funds for the exchange, which I agreed that I did not expect them to do that. On XX/XX/XXXX my attorney who is representing me for the Lemon Law negotiation submitted a Letter of Representation to GM Financial per their request before they would talk to him. Following that GM Financial will not talk to me since I have representation, however they also are returning calls to my attorney and we are unable to get any status updates or answers. General Motors has now closed my claim due to no action and my attorney is indicating he can't complete the transaction he negotiated because my lender is non responsive, but he needs to be paid since the attorney fees due to him were built into the lemon law case. 

The dealership and my attorney have provided GM Financial with all the requested documentation that they have been asked for in a very timely manner, then told that they would initiate the trade approval, and since then nothing, which could now cost me thousands of dollars in attorney fees because my lender refuses to give approval on what is obviously a good deal for my loan. A XXXX XXXX clearly holds a higher value than a XXXX XXXX with XXXX miles on it.
Product: Debt collection

I do not have a signed contract nor any contract with TransWorld Systems. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with TransWorld Systems. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.
Product: Credit reporting or other personal consumer reports

Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ( CRA ) Account : XXXX STATEMENT OF FACTS : XXXX. On XX/XX/year>, I submitted a formal debt validation request to XXXX XXXX XXXX XXXX XXXX XXXX. 
2. The debt collector received this request ( Tracking : XXXX ). 
3. No validation was provided within the 30-day statutory period. 
4. On XX/XX/year>, I disputed the debt with Equifax Confirmation number : XXXX. 
5. On XX/XX/year>, Equifax reported the debt as " verified '' without proper validation. 

VIOLATIONS : 1. FCRA 611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ] : - Furnisher failed to conduct reasonable investigation - No response to validation request within statutory period - Continued reporting unvalidated debt 2. FCRA 623 ( b ) ( 1 ) [ 15 U.S.C. 1681s-2 ( b ) ( 1 ) ] : - Furnisher failed to : - Conduct proper investigation - Review all relevant information - Report results of investigation - Modify/delete inaccurate information 3. FCRA 615 ( a ) ( 3 ) [ 15 U.S.C. 1681m ( a ) ( 3 ) ] : - CRA failed to maintain reasonable procedures- Continued reporting disputed debt without proper verification - Failed to remove unvalidated debt after notice Supporting Documentation Attached : 1. Original debt validation request ( XX/XX/year> ) 2. Follow-up letter ( XX/XX/year> ) XXXX. Equifax dispute results ( XX/XX/year> ) 4. Certified mail tracking confirmation I declare under penalty of perjury that the foregoing is true and correct. 

Date : XX/XX/year> XXXX XXXX
Product: Credit card

Apple Card fraudulently opened a credit card in my name. I am a victim of identity theft. I notified the police and received a police report. I sent that police report to Apple Card and Apple Card ignored my complaint and offered me no further assistance. Apple Card is violating my rights and condoning fraud.
Product: Student loan

First, I would like to acknowledge the immense help CFPB has rendered in resolving this long standing issue. I also would like to express my heartfelt gratitude to the Lender, and to UAS for their action after their response from the lender. I have responded to the letter sent and I am awaiting response. On the XXXX of XXXX I sent out a letter and received an acknowledgement of receipt 5 days later. I am still waiting for a response to my letter without any indication and timeline on when I will get a response.