23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mr. Cooper ( formerly Nationstar ) sent me advertising materials about purchasing a home protection warranty, which I agreed to because they said they could pay the monthly premiums directly from my escrow account. The policy went into effect on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX ( the home warranty company ) that my policy was being cancelled due to non-payment of the monthly premiums. I immediately contacted Nationstar and they assured me it was an oversight, and that they would forward the premiums to XXXX XXXX so that my coverage would remain in effect. On XX/XX/XXXX, I had a plumbing leak in one of the bathrooms and it did approximately {$9000.00} damage to my home. My homeowners insurance policy issued me a check for the damages, minus my {$1000.00} deductible. They informed me that the plumbing repair was my responsibility and needed to be done prior to the repairs. I contacted my home warranty company because their brochure states they cover plumbing problems, and that they will cover my {$1000.00} deductible. When I tried to file a claim, I was informed that they could not process my claim because my policy premiums had not been paid for the last four months. I contacted Mr. Cooper ( Nationstar ) and they informed me that it was another oversight on their part. I have been talking to them for the last three weeks, they told me they wired the money to the home warranty company over ten days ago. The home warranty company denies receiving any payment. In the meantime, my family and I are being denied services for which we have already paid. We are unable to repair our home unless we get the plumbing problem repaired. I have been waiting a week now for the mortgage company to produce proof that they wired the funds when they say they did, they are still unable to produce those records today.
Product: Money transfer, virtual currency, or money service

Someone hacked into my Coinbase account and transferred my cryptocurrency ( XRP, ETH, LTC ) to their " XXXX '' account. It totaled {$6200.00}. I XXXX what XXXX is and its some new crypto site. Coinbase replied that they can not refund or reimburse me and it's my sole responsibility my account was compromised. They also stated there is a " specialist '' still reviewing it in separate emails. This has been ongoing for a couple weeks now and they disabled access to my account. I emailed back with the following : There has to be some kind of security or protection coinbase offers, people cant just have their money taken out and just have to deal with it. You ( coinbase ) should be able to trace back the address and account the crypto was sent to. Like I said, my accounts and logins, my 2FA authenticator app were always in my possession - I did not lose my phone or any other device. None of my other accounts were compromised. I always used the coinbase app on my phone and checked it daily. On XX/XX/19, I opened the app and it said my login was expired. I tried to log back in and couldn't. I used the " forgot password '' link and was not getting the emails from coinbase because the hacker apparently added the email to my block list. They were able to disable all coinbase emails to my XXXX account. I called support a couple times and they couldn't help. They asked me to wait to have it reviewed by a specialist and they'd get back to me via email. A couple days later, after re-verifying myself, I logged in and my crypto was gone. I shouldn't have to keep explaining this over and over again with emails back and forth. My cases were closed unresolved many times so far and I have to resubmit the same complaint to open the case again. Your ( coinbase ) site and company is not secure and easily compromised. There are numerous complaints online and reviews from people that have experienced the same thing. You ( coinbase ) should have the capability to trace it back to the address or account it was transferred into and have some type of protection or security for consumers. Coinbase should also be able to verify which device was used from what location and IP address and resolve this. I would like my money back. I will never use coinbase again after this.
Product: Debt collection

XXXX XXXX I filed complaint against XXXX XXXX operating credit card reader for my private practice as XXXX. I enrolled as result of XXXX advertisement claiming a 1.59 % per swipe fee. I had been using XXXX - but decided to switch over. When my first invoice arrived I was shocked to XXXX that in addition to 1.59 % there were other fees and charges totaling almost 17 %. I called to cancel and was informed that I had three year contract and would be billed per month regardless. XXXX XXXX, XXXX I filed complaint with XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX I received email notice of closure of my account. 
On XXXX XXXX XXXX I received Debt Collection notice from Eastern Account System of Connecticut , Inc. in the amount of {$76.00}. I contacted them by phone - and contacted XXXX XXXX XXXX XXXX XXXX regarding this alleged debt for which I have documentation of account closure.
Product: Mortgage

I lost my job last year and fell behind on mortgage payments. I am employed now and trying to catch up. I was approved by XXXX XXXX XXXX district for a XXXX exemption and reduced property values. I have been working on getting the exemption and reduced property value applied to my loan since XX/XX/XXXX. I have called Loan Care on multiple occasions and could not get any answers as all the employees are only trained to collect money. I have spoken to numerous XXXX XXXX reps in the collections, escrow and customer service departments to no avail. I reached out to XXXX XXXX with XXXX XXXX on XX/XX/XXXX and she informed me that they do not send this info to the mortgage company. Every time I have spoken with a Loan Care rep they state they are not responsible for gathering that info as well. I received copies of the XXXX Exemption and reduced property values and not only emailed but also mailed copies to the Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Almost every email address I tried sent a reply stating that those emails are no longer monitored. The only one that did not kick back was the customer advocate email. When I asked a rep at Loan Care how to resolve this issue I was not given a valid email but instead a fax number. I have talked to 3 Loan Care reps this week and they all state my exemption and reduced property value is not in their system. When I asked if I would get any credit or refund for the months I overpaid I was told no. Now I feel I am being retaliated against for complaining as they are sending multiple letters and emails along with calling me five times a week.They have even sent people to photograph my home even though I keep telling them I still live here.I spoke with a rep today and she could not give me answers but made sure to ask about a payment. Every time I speak with a Loan Care rep they state they are making notes in the system but non of the reps see the notes .I have been communicating with Loan Care on a weekly basis. I can not get answers for my exemption and reduced property value which would lower my monthly payments and allow me to catch up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues accessing the site to receive my XXXX XXXX and XXXX Credit reports. I have been trying to get my report from the site and I keep getting kicked out.
Product: Vehicle loan or lease

This was a used auto loan obtained in XX/XX/XXXX with monthly payments of XXXX and a down payment of XXXX dollars. The amount financed XXXX. I paid over XXXX in payments in 50 months and had an accident and total loss of the vehicle and my insurance paid the company another XXXX dollars and they got the totaled vehicle back to repair and sell at auction, and I was told what they sold the car for would be applied to the loan balance still owed. I paid this company a total of about XXXX for a 7-year-old car ( XXXX model ) financed for XXXX in XXXX, and now 5 1/2 years later they are reporting on all 3 of the credit bureaus that this loan was a charged off bad debt of XXXX still owed to them. I'm in shock that loan companies like this one in California are still in existence and trying to get away with fraudulent lender practices in our country with all the laws in place to help protect consumers. I had a XXXX Accord for about 4 1/2 years, that I paid XXXX dollars for that actually cost XXXX and now I have no vehicle and bad credit saying I still owe XXXX on a now 13-year-old car that I don't have.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XXXX  SS # XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX  Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect Employers : XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following personal information is incorrect XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The following personal information is incorrect XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following personal information is incorrect XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had an outstanding balance with Capital One for XXXX cards, XXXX with a XXXX $ limit and XXXX with a {$500.00} limit. I paid them both off in full, and my credit score rose as a result. Then, Capital One took the old XXXX $ card balance that was paid in full and sent it as delinquent to collections. I have ALL my XXXX XXXX XXXX payments to Capital One for BOTH card accounts. I called Capital One ( XXXX  times ) and asked them to rectify it and they said they would but my credit score keeps dropping and capital one collections calls my home everyday at least XXXX and XXXX  times demanding payment for an account that they know to be paid in full. I have spoken with XXXX people at Capital One as well as a number of hostile collections agents and have provided them with the payment dates and amounts and they always agree to remove the negative reporting and mark my account paid in full again, but they won't. They keep stealing from me, stealing my credit rating, my creditworthiness/reputation. They know that they are doing it and they refuse to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed with all three credit bureaus on my XXXX XXXX credit card ( XXXX four digits of account number ) countless times as this account had fraudulent charges and the creditor agreed to delete the late payment remark as I had no idea any balance was due on the account as its never been used. Creditor completed their investigation and corrected my account on their end, removing the late payment fees and reversing the charges made by the fraud. The creditor stated they would comply with the Bureaus once I submit my disputes however, after several ( XXXX or more with each bureau ) its apparent that theyre not accurately nor fairly investigating my legal rights. Creditor is happy to correct payment rating and remove the late payment remark once theyre contacted by Experian XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

***Written by representation I represent XXXX XXXX in connection with Chase 's refusal to refund the {$9500.00} that had been in her Chase account, but that Chase recklessly paid to a fraudster by failing to adhere to the most basic security procedures. XXXX XXXX has been a Chase customer for almost 30 years. She always had been a happy, satisfied customer. She is not looking for trouble, or a new bank. She wants the most basic protections offered by Chase bank -- protection from a fraud. 

This should be an open and shut case in XXXX XXXXXXXX XXXX favor. Yet, for three months, she has written letters to Chase, and spoken with multiple Chase customer-service and fraud-department representatives, without any success. 

XXXX XXXX -- and Chase -- were caught in a holiday-time forgery ring that was notorious in XXXX XXXX XXXX NJ. A postal work had a master key and was stealing checks out of the mailbox that he had access to. He was caught and arrested. This was a time during which the bank should have been on heightened alert for fraud. We do not know the details of how the fraud unrolled, but presumably the bank 's records will reveal it. The bottom line is that Chase cashed a forged check against my client 's bank account, which should not have happened if Chase had adhered to standard security protocols. 

Chase issues bank statements on the first of each month. XXXX XXXX is not an online banker. Her XX/XX/XXXX statement did not arrive until well into XX/XX/XXXX. She promptly reviewed it and saw the {$9500.00} shortfall in her savings account. She immediately alerted the bank, and thus began what so far has been a 3 month process. My understanding is that Chase contends that it is not obligated to refund the {$9500.00} because her agreements with the bank require that she notify Chase within 30 days of the fraud, not even the reasonable discovery of the discrepancy. 

The agreements are contracts of adhesion. The shortened limitation period is in small print ; it is not called to the reader 's attention. The limitation period is unreasonable, unenforceable, and does not absolve Chase of liability for its grossly negligent and reckless acts that have caused XXXX XXXX damages. Please immediately refund XXXX XXXX 's {$9500.00} to her savings account. This situation is causing mental and physical stress to XXXX XXXX as this money is money saved for her daughter 's college and without this money being refunded - her daughter will be unable to attend university. 

We need your help for insight and suggestions as this is not fair that a bank keeps the money when fraudulence has been committed against my client.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am composing this letter to bring to your attention a concerning issue regarding a charge-off that your company has reported on my credit report. The debt referred to above has been discharged and officially written off as an uncollectible debt by your organization, leading to a corresponding tax write-off. According to information I have received from the IRS, it is in violation of the law for you to report this data on my credit report, whether for the purposes of collection or to indicate a charged-off status. This is a breach of FCRA 15 USC 1681 ( e ) ( b ). The information being reported is not entirely accurate. I would like to highlight that I retain the option to submit form 3949-A in response to this situation.
Product: Debt collection

I've asked for the bill of sale, the private auction seller receipt, and the name of the private auction. They don't send what I asked for and continue to send explanation of calculation of deficiency.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX NXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I received a call from what I thought was Bank of America at XXXX XXXX  on XX/XX/2024 and the impersonator said that I had fraudulent charges made in Florida. They said that I would need to deactivate my current card and to transfer cash to a new card. They asked to transfer the money to XXXX XXXX and then had me manually enter card numbers for what turned out to be a XXXX XXXX XXXX. At this point, I actually asked the impersonator how to know it wasn't a scam and they referrred me to the back of my Bank of America debit card to confirm the customer service number, XXXX XXXX XXXX which was the exact number I was calling from. They acted very professionally, very similar to interactions I have had with Bank of America representatives in the past. They then asked me to delete both my Bank of America card and XXXX XXXX XXXX from XXXX XXXX and then terminated the phone call, at which point I realized that I had been scammed out of the entire contents of my checking account, {$1800.00}. I filed a police report with the XXXX XXXX Police Department within 2 hours after the incident and called Bank of America to inform them of the scam. At this point, XX/XX/2024, Bank of America and XXXX XXXX are refusing to reimburse my funds because they " do not believe the transaction to be fraudulent. ''
Product: Mortgage

My mortgage company is Ocwen Loan Servicing LLC . I originally took a mortgage for a 10 year interest only and this loan was to turn into a 30 year fully amortizing loan on XX/XX/2015. Ocwen never adjusted the loan to a fully amortizing and 6 months later sent a mortgage coupon to me with additional fees and penalties after I had already sent my interest only payment. I requested that they research this and they did. They sent a letter apologizing for their error and stated that there would be no late fees or negative credit reporting. One year late after making XXXX consecutive, on time mortgage payment I receive another payment coupon from Ocwen stating that I now owe {$6700.00} as Fees/Other Charges. This is not how consumers should be treated. There is something seriously wrong with Ocwen and I am hoping you can help. Please elp, I am desperate at this point.
Product: Credit reporting or other personal consumer reports

Equifax is reporting false latenesses on my credit report. I asked why they were reporting lateness when I was never late, they said it would take up to 30 days to investigate. It has been beyond 30 Days, I ask that Equifax remove the latenesses.The accounts are below. 
XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the following months and years : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Lakeview Loan Servicing LLC reported to XXXX, XXXX  and XXXX  that I made a payment 30 days late. 

I didn't realize how much the reported information was affecting my quality of life until I realized that my efforts to reduce the interests rates on current loans and attempts to refinance my home to obtain a lower interest rate and obtain equity from my home were met with denials and/or higher costs because of the information that Lakeview Loan Servicing reported to XXXX XXXX and XXXX.The information is considered derogatory information. 

After trying numerous activities ( i.e. hiring credit repair companies to assist me with improving my credit score with no luck ) I started trying to figure out how to improve my credit score by myself. This endeavor caused me to stumble upon the Fair Credit Reporting Act ( FCRA ) written by Congress. After reading the FCRA I realized that Lakeview Loan Servicing LLC violated my consumer rights by reporting that I made a payment 30 days late without informing me that they were going to report this information to XXXX XXXX  and XXXX  and providing me with an opportunity to opt out of having that information reported. Upon learning the latter information ( in addition to a host of other information regarding procedures consumer reporting agencies must follow when furnishing a credit report ) I called Lakeview Loan Servicing LLC on XX/XX/XXXX and spoke to a Supervisor regarding removing the reported late payments from my credit report with XXXX XXXX  and XXXX. The supervisor informed me that he would look into the matter. 

I then received a letter from Lakeview Loan Servicing LLC dated XX/XX/XXXX and it stated that an investigation was conducted regarding the information reported by LakeView Loan Servicing LLC to XXXX XXXX and XXXX  and the information reported was deemed accurate. 

I attempted to contact Lakeview again to discuss the letter I received however I was told by a representative that I would need to send any issues I had to Lakeview Loan Servicing LLC 's mailing address. 

On XX/XX/XXXX I mailed Lakeview Loan Servicing ( via certified mail ) a Cease and Desist Letter demanding that the late payments be removed based on the information being in violation of processes and procedures of the FCRA, an Affidavit of Truth outlining how the reported information violated the FCRA, exhibits reflecting the information being on my XXXX XXXX  and XXXX  credit reports and the document Lakeview Loan Servicing LLC sent to me regarding the issue and an Invoice outlining the remedy I wish to receive for the adverse actions that I endured for more than 2 years as a result of the FCRA violations Lakeview Loan Servicing LLC violated by reporting that I made a payment 30 days late to XXXX XXXX and XXXX on the above mentioned dates. 

To date I have not received any response from Lakeview Loan Servicing LLC and the 30 day late payments are still being reflected on my credit reports from XXXX XXXX and XXXX.
Product: Bank account or service

I have been with my bank for awhile and I have been charged XXXX dollars for over draft fees. I know I have an option to keep this service but I think the charges are getting out of hand.