23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

UDAAP complaints related to servicing issues : 1 ) SPS failed to process automatic authorized ACH payments for which adequate funds were available each of the authorized payment dates. Their failure to properly process these payments has resulted in the mortgage holder initiating foreclosure action. 
SPS provided the letter dated XXXX XXXX, XXXX stating ACH payments may be established by returning a completed and signed form, along with a voided check. We returned the completed and signed 'Authorization for Withdrawal and Direct Payment Agreement ' form along with a voided check to SPS. SPS provided an acknowledgement that payments of {$3700.00} would be withdrawn from the account beginning with the XXXX XXXX payment. 
2 ) The SPS Escrow Analysis document ( see Attachment C ) illustrated SPS paying real estate taxes one time during the year and collecting a two month escrow cushion. 
Collecting and maintaining an escrow cushion is a change in servicing practices from what was stated on our initial disclosures which ( see Attachment D ) with do not reflect such a cushion in the Truth in Lending Disclosure Number of Payments, the HUD-1 Reserves deposited with lender section, line XXXX or XXXX ; and the Good Faith Estimate of Settlement Charges To date the loan servicer had not collected an escrow cushion at any time since origination in XXXX and had historically paid the real estate taxes semi-annually. These changes by SPS resulted in SPS requiring either a one-time payment of {$6300.00} or a monthly payment increase of {$500.00}, from {$3700.00} to {$4200.00}. 
Had SPS chosen to make semi-annual payments, as had been the practice to date for XXXX, there would have been a surplus of {$440.00} rather than a shortfall ( see Exhibit XXXX below ) without the added 2 month cushion or a shortfall of {$1000.00} with the added cushion. 
We contend that this large adjustment was the result of unnecessary practice that is unfair and harmful under UDAAP.
Product: Checking or savings account

On XX/XX/2021, I contacted Coinbase to ask them to freeze my account out of caution, as it appeared that my email may have been hacked. Coinbase locked the account. Now they will not give me access to it. 

They instructed me to set up a brand new account, under a different email, and once my identification was verified, they would migrate my funds from the disabled account over to the " new '' account. I did as they instructed, but they never migrated the funds to the " new '' account. Nor can I access the " old '' account. 

It has been eight ( 8 ) days now. I have logged over 40 hours of hold time trying to get human answers from Coinbase on this, to no avail. They are evasive and only give scripted answers. 

At this point, I feel that they have stolen my money. I deposited {$20000.00} with them when I opened my account. While I understand that Coinbase is not regulated by either the FDIC or XXXX, they still have a fiduciary obligation to their account holders to protect accounts and get accounts promptly recovered in situations such as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a formal complaint against XXXX XXXX for illegally sharing my transaction history with Experian on XX/XX/XXXX. Subsequently, Experian shared the same information with XXXX. These actions represent a blatant violation of 15 USC 1681a ( 2 ) ( 1 ), which is a provision of the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974. This unauthorized sharing of my sensitive financial information not only violates the FCRA but also compromises my privacy and security. Furthermore, Experian, as a consumer reporting agency, is also accountable for their role in this violation. By receiving and sharing my transaction history without proper authorization, they have breached their obligations under the FCRA and have infringed upon my privacy rights as guaranteed by the Privacy Act of 1974. To support my complaint, I have attached a copy of the letter I sent to XXXX XXXX detailing the violations and demanding rectification. Additionally, I have included proof of my information being shared with XXXX, a third-party website, without my consent or knowledge.
Product: Money transfers

transfered money to XXXX bank for a car purchase the purchase was fraud i cancelled the transfer the next morning i tried to cancel same day but bank closed but the stop was in i have emails it took almost 1 week for someone to let me know a representative from the bank called me and sent email to bank trying to contact me saying he has my money and tell my bank to contact him to get my money back i only received XXXX XXXX dollars out of my XXXX dollars .i tried to contact the investigator from santander bank XXXX XXXX XXXX XXXX and she says she can not contact XXXX from XXXX bankXXXX XXXX XXXX to resolve this matter my case number is XXXX i really need some help to resolve this matter
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing a
nd willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Product: Credit reporting or other personal consumer reports

I placed a credit freeze with all three major credit agencies due to suspected activity. Once I confirmed the activity was not suspicious, I immediately tried to unfreeze my credit. However, I was unable to lift the freeze with Experian. I couldnt access their online system, nor could I submit the necessary form. After two months of frustration with their poor service, I am now filing a complaint regarding Experian 's inadequate support.

Most of my credit checks are failing due to Experian not unfreezing my credit file. Despite multiple attempts, I haven't been able to lift the freeze, which is causing ongoing issues with my credit checks.

Please Help me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  credit bureau 's along with the Original Creditors have been reporting negative information at least 2 years on 3 accounts in my credit files.The accounts were investigated and deleted from XXXX XXXX in XX/XX/XXXX while the other CRA 's refused to remove the erroneous items after numerous rounds with them and the suppliers of the information. I sent numerous FCRA 611 and 623 certified letters with either no response or with little documentation to warrant reporting of the items in violation of the FCRA for both the CRA 's and Original creditors. Yet, they continued to verify that the information was complete and accurate after investigation/re-investigation. In the instance of Santander XXXX, they reported amounts owed of XXXX on previous disputes then jumped to XXXX in others with no proof to substantiate the debt or response to 623 letters. XXXX XXXX XXXX responded to 623 letters only saying they verified that the information to be true and correct but I have yet to see and documentation from them proving this. XXXX XXXX XXXX was the same in their refusal to delete even though the CA  they sold the account to had deleted the negative information in XXXX. All the information that was investigated and re-investigated shows inaccurate and different information across all the CRA 's so how could it possibly be verified as accurate and complete based on credible investigations?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian, which are non-government for profit entities, has been providing my credit report to other entities without my permission or informed consent, and refuses to stop this practice or delete my account and erase my data when I ask them to.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL OF THE ABOVE- focus now is on old info that never goes away. 2- info that is reposted to make me look bad. further with statements of pure libel- that read " too many inquiries '', " massive delinquincy '' - make attempts to extort the consumer to no end. My ID was stolen- reported to XXXX and XXXX sherrif , and XXXX FBI XXXX No credit bureau will accept communications from these agencies- demanding I provide the internal case information. I don have access to FBI internal systems- or i would be investigating multiple leads right now, myself. 

When I moved here 6 mos ago- they read " data unavailable for new credit ''. Now they read worse then " serious delinquincy. '' I owe nobody. ALL ACCOUNTS ARE DISPUTED IN FULL- I have the right to not pay accounts and still have them removed. NO BUREAU HAS COMPLIED since initial proceedings over 12 mos ago- and when they comply its for 6 mos at a time- then the old info shows up again. 

The laws are rigged against the consumer to collect damages due. I should not be forced into payments for debts I can legally dispute in full, like a lemon XXXX XXXX that XXXX DID NOT and WILL NOT fix. XXXX refuses to collect the info from XXXX  XXXX XXXX who serviced the car, and refused to fix it. Then XXXX refused to remove the loan -or pickup the car. XXXX resells the data to itself under multiple trade names. 

A rising cr score indicates that not only are these account reports slanderous- but dated and resold. I can not establish new credit whatsoever due to this blasphemy being resold to merchants- but hidden from me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent an affidavit to Nordstrom/TD Bank requesting the signed contract, authorized representative for the company, irs forms that was filed or that need to be filed to cancel the debt 1099OID, 1099A and 1099C. And to update my consumer credit report. I have not received any response or updates. Attached is a copy of my affidavit.
Product: Debt or credit management

Yes my wife XXXX XXXX and XXXX XXXX XXXX hired sterling credit group to help repair our credit on XX/XX/23 we both paid the initial fee of {$79.00} and then we both paid 12 payments of {$60.00} over 6 months we were suppose to get a years worth of service from them helping repair our credit. It has brought to my attention that the company has closed over last 3/4 months I have reached out to them to get updates and no response
Product: Debt collection

I called regarding the message left on our home recorder that people heard in the room concerning a debt. they stated they were a debt collector and continued with the mini maranda. i calledXXXX XXXX and they said that i wa reposiable for his bill that we have been paying on. then i recieved a letter concering this debt on XX/XX/XXXX that stated both our names on the debt. when i called about that letter they said i was liable for the debt. on XX/XX/XXXX i recieved a letter about this debt just in my name. i sent a cease and decease letter to only communicate through the mail only. i also asked for an itemised bill that shows this is my bill only. I do believed this bill since it has the same acct # number can be a HIPPA violation for releasing medical records without the consent from my husband.
Product: Payday loan, title loan, personal loan, or advance loan

Firstly, the company messed up the autopay, so the payment got behind. Then I suffered two events that severely impacted my financial situation. I was ill and off work for a month, and my husband was laid off. We are going through a huge financial hardship, and I asked the representative, what options there are available, so I can both take care of the loan, even while I am struggling. The person explained there were no options. They said because it was a new loan the company wouldn't restructure. They said because it was my loan wasn't with the company long enough. They were rude and unkind in their wording.
Product: Debt collection

The last time I spoke with this company they said they could not find me in their system because I wanted to dispute this problem. I can not file a police report because they police station can not find the company. They said that the company was bought out and is now owned by someone else. I reported the complaint to XXXX  and the company said I need a police report in order for them to do an investigation.
Product: Money transfer, virtual currency, or money service

XXXX violated The Electronic Transfer Act and its implementing Regulation E for failing to conduct reasonable investigations of notices of errors submitted by consumers regarding XXXX transactions ; and failing to properly treat incorrect and unauthorized XXXX transfers as errors under the law. I have attached screenshots of XXXX transactions dated back through 2023, which id all that Wells Fargo will show on a search, however I am 100 % sure that XXXX transactions date further back than that, I will happily go through older statements when requested by you. I do not at this moment have the ability to provide that today but felt filing this claim is priority to providing a complete transaction history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hurricane Laura I lost everything requested property claim to be informed that I did not have credit property insurance which I requested. This is hitting my credit monthly. I am unemployed and have no income at this time. I was not I formed that I did not have credit property insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the inquiries furnished on my report. They are XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX -- XX/XX/XXXX -- XXXX XXXX. XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX. XX/XX/XXXX
Product: Student loan

I am a XXXX seeking XXXX. When I consolidated my loans with Navient I was NOT advised that XXXX loan taken out prior to 1998 would exclude me from XXXX. I asked if I could pay off that loan so that I can qualify for the XXXX and I was told that I am unable to do so. When I ask why I was n't informed of the issue, I am merely told, " I am sorry ma'am ''. I have inquired several times and I feel cheated and I feel like I was taken advantage of. 

The only proper solution - I would like to pay off the loan that is keeping me from qualifying for the XXXX. It is only right that I am allowed to unconsolidate, pay off the XXXX loan and be granted the XXXX
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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 a Collection/Chargeoff at Jefferson Capital System XXXX XX/XX/XXXX for {$130.00}, an credit collection opened at Unknown on XX/XX/XXXX for {$220.00}. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as 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 the consumer credit reports 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.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and experian are continuing to report inaccurate information. According to the FDCPA and the FCRA, all accounts are supposed to report accurately and attached you can see they are all reporting differently.
Product: Mortgage

I am trying to modify or apply for a forbearance on my home equity loan with Specialized Loan Servicing. I sent all my required documentation to them via mail and uploads. They kept stating that they needed additional documents which I uploaded several times. I was never contacted by them via email or phone which seems strange. The communication with this company is awful and researching them and reading reviews it seems this is their way of dealing with consumers. I wish my loan was never transferred to them. I received a letter for them dated XX/XX/19 stating that they conducted a review of my application for relief options and they are unable to evaluate me. I have sent everything they have requested as I said and they continue to state they do not have all the required documents. I intend to keep my home and would like to have options as to getting help with this.
Product: Debt collection

XXXXm writing in hopes you can assist me with a major setback in my life. Back in XX/XX/2023 there was death in our family which created a ton of complications for me. The entire experience was traumatic and has set me back emotionally and mentally. I totally spaced it and has never had a late payment with this company. One of which was I mistakenly misplaced my AMEX statement & had forgotten about until I received my most recent statement. Once I realized I was behind I immediately sent in my payment but in XX/XX/2023 you reported me 30 days late. I make it a point to maintain a great credit history & you can review my history and see Ive never had an issue with making my payment ( XXXX ) on time. This late payment is now impacting my ability to get a new loan & has adding additional strain & complications with my family life. I understand it was my responsibility but Im hoping with my good payment history & long-standing positive relationship with you, could find it in your heart to help me by removing the late payment as a courtesy of my hard times? I would love if you could in your good grace help me because I need to find a new house due to the XXXX  and the late payment is impacting my ability to get a loan. The removal of the late payment would allow me to move forward with many areas of my life & alleviate some of the struggle Im enduring.
Product: Debt collection

i have a collection on my report that is fraud from XXXX XXXX i have no knowledge of this account the amount is XXXX with columbia debt recovery llc dba genesis account # XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX survivor these accounts listed aren't mine please help me rectify this. 

I have no knowledge or connections with any account listed. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is my second claim against this company I was lied to after I distinguishly pointed out the errors in the caculations of the square footage of my home along with the incomparable comps submitted I have not recieved any fairness that I deserve as a customer. The facts are proven in the appraisal report it was bias. Along with the rude treatment from wells fargo employee and the desrepectful accusation comments made in the comments in the apprasers report stating that I did not need a loan. There is a loop hole in this system and the money that I gave to Wells Fargo totalling XXXX should be refunded back into my account. Due to fraud lies and misuse of a work trusted into the hands of a representative who does not evidently believe that numbers are the true facts of survival or Wells Fargo representation and reputation has been truly compromissed and they don't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to XXXX and TransUnion Credit Bureaus on XX/XX/2022, to update this misleading account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late XXXX I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

In or about early XX/XX/2021 Amazon Store Credit had owed me {$530.00}. This amount was given to me in the amount of store credit. However, around that time my Amazon account mysteriously disappeared. I had called them over 25 times and no one could manage to find my account or the credit I was given. I contacted my credit card company and told them the situation. They gave me a temporary credit. Then today I find out that they are putting all the charges back on my card. I do not know what to do or how to get my money back.