23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mr.Cooper is completely negligent and in violation of RESPA guidelines regarding a loan modification request. At issue is the fact that Mr. Cooper ; 1. Keeps misplacing documents which is negligent and criminally negligent considering people are facing foreclosure 2. Continue to request information they already have already confirmed receipt of 3. Are completely disorganized and do not allow people to talk to the actual people handling the modification which creates obstacles to homeowners seeking to avoid foreclosure.

At this time Nationstar is in violation of RESPA guidelines for not acknowledging a complete package for modification which they have had in house since XX/XX/18. They are requesting a profit and loss statement which was never required as the homeowner is not self employed. It was merely offered as an option if homeowner did not receive pay stubs that showed year to date income and those pay stubs were provided on XX/XX/18. That means they have a complete package.
Product: Debt collection

I was doing some credit monitoring and noticed an agency on my report. The agency name is Stellar Recovery Inc out of XXXX, FL, the # listed XXXX, reporting for {$67.00} the original creditor was not listed. I called to inquire about what this was about and was advised this is a debt from XXXX form XX/XX/XXXX after being transferred twice and this is a debt I have never seen before that showed up on my credit report XX/XX/XXXX. It did not state a creditor just the third party collection company ( Stellar Recovery ). I advised them I had never received notice of the debt. I was not notified by mail, phone or even e-mail. I did advise I was going through a divorce but still had the same telephone number, ( which they verified with me that they had on their records. ) They told me they sent notices XX/XX/XXXX, to which I was then told had come back with a bad address. However I still had never received any phone call in those 5-6 years. When I was speaking to them about they did advise they had the correct telephone number but I still yet to receive a phone call. I advised that I am willing to pay this debt but due to the fact that I was not notified I would like this deleted off of my credit report. I was told by XXXX different agents that they will not do this. I asked to speak to a supervisor, XXXX XXXX got on the line and advised me that the loan can only recalled from the original creditor to be deleted. I asked him if his company reports to credit he stated yes, they also collect for XXXX, however refuse to delete the credit when I was never notified of the debt. ( His direct line is XXXX ). I called the original creditor XXXX. They advised me that the do not report to credit. That they will recall this debt. I am in limbo this matter, I have worked very diligently to restore my credit to have a {$67.00} account listed in collections and the company refuse to go by the FDCPA and the FCRA.
Product: Credit card

I have been with Capital One for over three years! At XXXX XXXX  on a Saturday, Capital One decided to lock my card due to potential fraud. They didn't text me, call me, or anything. They just locked my card while I was out with friends. Not only was I unable to use my card, but I was also embarrassed. 
I called first thing Sunday XX/XX/year> in the morning to explain that the transaction was made by me. They still refused to unlock my card because they stated they needed to speak directly to the banks linked to the account. It's Sunday and the banks aren't even open! So now I have to go all of today and into tomorrow morning with no card because these people decided to lock my card even after I told them that the transactions were mine. How absolutely ridiculous ; essentially, Capital One is saying they do not trust their customers. I told them the accounts were mine, they said they still needed to speak to the bank. So, they don't trust me, even though l 've been using the same bank accounts for this card for three years!

Capital one explained over the phone all the transactions Ive been making from my bank paying them back. They could have requested this info or validation on a Monday when banks are open but instead lock my cards on a weekend!!! Now I have to cancel all my plans!!! My weekend is ruined because they refuse to Unrestrict my card!!! I am livid!!!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Vehicle loan or lease

During most of XX/XX/XXXX and XX/XX/XXXX, I would make my monthly loan payment and pay extra towards the principle amount of my loan. Santander Consumer Loans decided to take the additional money paid and put it into an Misc Fees and not apply it to my principle. It took months of phone calls, lies from representatives, and numerous arguments until I took my statements to my bank and called with a bank representative. It was not until then that my account was rectified. Now XX/XX/XXXX, the same issue is happening. I get told that " if I pay a day early, I get charged more interest '' or " we have no obligation to apply your payments they was you wish ''. I have a payment in XX/XX/XXXX with {$90.00} towards principle, XXXX towards interest, {$30.00} towards fee payment, and {$83.00} towards another fee payment. That's just the beginning of dealing this scam company. Please help. They truly need to be investigated.
Product: Money transfer, virtual currency, or money service

I keep receiving these emails stating that my account has been ( Your account has been suspended [ Case ID:XXXX ] ), and each time I log in I am unable to speak with a representative to resolve this problem. I have received several email messages like this one. My account is still active.

I am having to use my account today to pay a vendor ( XXXX XXXX XXXX ) person. 
This kind of service is unacceptable to me as I have been a valuable customer of PayPal for over ten ( 10 ) years without any problems. 

This is the full email that I received XX/XX/2020 at XXXX XXXX XXXX To : XXXX., XXXX.. 
XXXX XXXX,.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America ( FIA Card Servies ) continues to report two obsolete credit card accounts. The Bank of America ( XXXX XXXX ) credit card is account number XXXX**** and Bank of America Credit Card ( mastercard ) XXXX****. <P/>Both of these Bank of America accounts should have been removed in XX/XX/XXXX and XX/XX/XXXX. I am attaching a credit report from both XXXX ( XX/XX/XXXX )  and XXXX ( XX/XX/XXXX ) Both reports show the removal date for both of these credit card accounts as XX/XX/XXXX. <P/>The removal dates derives from information the creditor furnished to the credit bureaus as being the first date of major default. <P/>Both charged off accounts have been have been sold to numerous collection agencies in the past 4-5 years. It appears the accounts are listed again with Bank of America with brand new dates for expiring - from XX/XX/XXXX to XX/XX/XXXX. <P/>I recently disputed both tradelines with XXXX. The creditor verified the accounts and stated the date of default is in XX/XX/XXXX. Bank of America has furnished the date of default as occurring in XX/XX/XXXX to XXXX - causing a removal date in XX/XX/XXXX!! <P/>I am asking that both of these tradelines be deleted from my credit report.
Product: Checking or savings account

I received a notification telling me I was sent zelle payment on XXXX XXXX2025. I contacted them about not receiving the money to my account and they told me there was nothing they could do on their end. I am to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are reporting me as 120 days past due on the PHH Mortgage Svc and XXXX - partial account number : XXXX. These accounts have a {$0.00} balance and {$0.00} past due. This is harming my score. I have disputed this directly with the two bureaus but the coding has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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: Debt collection

This debt is not mine, Avant has not shown any original paperwork indicating that I took out this loan
Product: Credit card or prepaid card

I reached out to BBVA formerly ( BBVA Compass ) NA to advise them that I was a victim of identity theft. In my previous complaint they stated they needed an identity theft affidavit which I provided to them, and a statement of the issue. It looks like they may have closed all 3 credit cards but I am unsure. They told me theres two reward cards and 1 compass clear points, secondly they had two checking accounts the thief opened, a money market account, and 2 savings. All of these accounts were opened online using fraudulent identification information, fraudulent addresses and fraudulent information. BBVA USA allowed these accounts to be opened. They linked these to a fraudulent username I have never used. I would like this identity theft to be resolved and these accounts unlinked from me, since I did not open these.
Product: Checking or savings account

Unauthorized transactions occurred on my account due to a hacker getting into my accounts and money was transferred without my authorization resulting in me being a victim of identity theft. Two transactions where made at the same time to the same hacker. 1 transaction was approved for a return but the other was denied.
Product: Credit reporting or other personal consumer reports

I called XXXX and asked for the IP address used to creat the account?
Product: Debt collection

Recieved a collections letter in mail saying I owe XXXX $ from XXXX of 2018. I never went to hospital in 2018. Also address on file is incorrect never lived there nor where that is. I called XXXX XXXX XXXX billing department XXXX and they told me Medicaid paid the bill already a while ago in fact over paid. I do not owe this. I have left voicemails and no resolution. I requested validation letter and no sent me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I filed COMPLAINT ID XXXX in XX/XX/2021. The company responded that after contacting their client, the closed the account in their office. I have tried to get XXXX to remove this collection item from my credit report since it is not owed to their office but they refuse. I disputed with the cresit Bureaus and XXXX still has this listed as an active collection.
Product: Mortgage

I called my previous mortgage lender Stearns Lending on XXXX XXXX, 2015 only to state that I had my loan tranferred to XXXX. I did not and have not received any information regarding the mortgage loan transfer until I contacted Stearns Lending on the above mentioned date. Reason I am filing a complaint is I currently am going through a valid hardship ( i.e. lost my employment ) and have sent off the hardship letter package on XXXX XXXX, 2015 to Stearns. I am attempting to determine what are my next steps and I have been on the phone with both Stearns and XXXX for over an hour today and have gotten no information as I have retained copies of my hardship package as directed by Stearns Lending to attempt to provide this information to XXXX to no avail. I want to file a complaint against Stearns Lending for not providing me a 15 day notice that my loan was being transferred as I have not received any educated information on what steps I can do to make an educated decision on what to do next without losing my home.
Product: Money transfer, virtual currency, or money service

Hello, thanks for receiving my complaint. I have an account with Coinbase. 

On XX/XX/XXXX, my Coinbase portfolio account contained, XXXX. 

On XX/XX/XXXX, I decided to use XXXX of the existing cash balance in my account to buy Bitcoins and I bought bitcoin but then about 1/2 later I sold the bitcoin for XXXX USD. I believe I transferred this money out of Coinbase to my bank account. 

Also on XX/XX/XXXX, I decided to withdraw the remaining {$4600.00} cash from Coinbase and I transferred the {$4600.00} to XXXX and then to my bank account with the XXXX Federal Credit Union. 

I received notices from Coinbase that bought, sold and transferred as described above. 

A few hours later, I received notices from Coinbase that I needed to pay them {$8200.00} or my account would be closed and anything in their would be sold. 

I think what happened is the Coinbase processing time lagged behind my purchase, sale and withdrawal and now my account is frozen with a portfolio balance of {$8200.00} with Coinbase saying that I need to pay them this amount in 5 days or their going to close my account because I violated the terms. 

I created a ticket requesting a statement of account and I received a reply telling that since my account was disabled, that Coinbase could not issue a statement.

I also created a ticket asking Coinbase to please rectify my account.

I also contacted my credit union because then Coinbase tried to withdraw {$4000.00} from my bank account. Coinbase also tried to collect the {$4600.00} that I deposited into Paypal and they may have collected this money because it has not yet deposited into my bank account.

Can you please help me it's all the money that I have?

Coinbase says I have 5 days but I did not do anything wrong. 

I am attaching a : XX/XX/XXXX, Portfolio Balance {$8200.00} XX/XX/XXXX notification from Coinbase that I sold bitcoin for {$4100.00} and a XX/XX/XXXX notification form Coinbase that I my withdrawal for {$4600.00} started. 

In another situation on XX/XX/XXXX, after I withdrew {$3900.00} after selling all of my bitcoin. I transferred {$1900.00} to my bank account and I transferred {$1900.00} to pay for my credit card. 
The next day, without any notice to me, Coinbase withdrew {$1900.00} from my bank account. I created a Coinbase ticked and the response that I received was, " Coinbase resolved and closed your case. '' I never received any more reply. But I also created ticket requesting a Statement of Account and I am unsure if the reply related to my request for a Statement of Account. I never received the {$1900.00} refund.
Product: Credit card

For the 3rd time in the last 12 months my Target Red Card was charged with a late fee. In each instance, I was able to demonstrate that the payment arrived on the due date or the day before. This most recent occurrence my payment was due on the XXXX of XXXX. I paid off the balance as I usually due each month. The payment was scheduled online through my bank. When I received the next months ' bill Target was billing me for the late fee and a dollar or so of interest. Working with my bank I was able to demonstrate that the payment arrived at the post office at XXXX in XXXX TX where the bill is to be sent. When I called Target about this they said that I should make my payment earlier because late fees are assessed for payments that are n't processed on time. They 've agreed to remove the charges again. Based on my experience it seems likely they will do this to anyone whose check is received on the due date. If this is not grounds for you to investigate please let me know. I believe it is fraudulent and actionable.
Product: Credit reporting or other personal consumer reports

Dear CFPB and Equifax FCRA 15 U.S.C. 1681 violation Equifax is sending nonsensical Stall letters to avoid deletion of items that they failed to investigate See attachment In XX/XX/XXXX in XX/XX/XXXX Equifax was requested to do a dispute on XXXX XXXX and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX that no investigation had been done on either XXXX of these accounts. Equifax stated the reason they failed to investigate it is because it wasnt on my credit report to begin with. This is false and because no investigation had been done they should have been deleted from my report. 
Equifax had been notified that they were in violation of 15 USC 1681 for their failure to investigate these two accounts that should have been investigated within 30 days. The FCRA allows for a 30 day investigation or the items in question must be deleted. There are no more investigations required just deletions.

The two accounts mentioned above must be deleted for failure to investigate within 30 days Please note that I am federally XXXX, and these nonsensical complaints that I have to file with the CFPB are harming my health. Clearly the complaints are not even being read nor are they being addressed. Delete these two accounts immediately to avoid further action.
Product: Mortgage

We lost income during XXXX XXXX, not able to pay XXXX, receive forbidden Programm and same time apply for modification of loan, back in for, for more then XXXXwo years, we ask bank we want to make payment, but they insist to continue do modification, week ago we receive answer : we not able to achieve payment for you. XXXX option sell the house or send appeals, and we send appeals. 
So if we want to pay they not allowed us make payment. 
We feel XXXX bank rules very strange, we not understanding what they want to achieve.we want to pay we not want to loose our house, it sonly what we have
Product: Credit reporting or other personal consumer reports

I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file Reference Number : XXXX. I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Unauthorized Inquiry : XXXX XXXXXXXX XXXX  Inquire Date XX/XX/XXXX, XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), codified at 20 U.S.C. 1232g, due to the unauthorized exposure of my personal information by the U.S. Department of Education and its loan servicer, XXXX. This breach has resulted in a significant violation of my privacy, and I am seeking your assistance in addressing this matter. 

I have been made aware that my personal and financial information has been improperly handled and exposed, as evidenced by recent legal actions : XXXX Data Breach Litigation : In 2022, multiple lawsuits were filed against XXXX following a data breach that exposed the personal information of over XXXX XXXX borrowers, including names, phone numbers, email addresses, and Social Security numbers. Allegations include negligence and invasion of privacy. 
XXXX  Unauthorized Data Sharing with DOGE : The Department of Education has been implicated in lawsuits alleging the unauthorized sharing of sensitive borrower information with the Department of Government Efficiency ( DOGE ), led by XXXX XXXX. This data includes Social Security numbers and bank account details, raising significant privacy concerns. 
XXXX  Under FERPA, I have the right to the protection of my educational records, including personal information shared with loan servicers. The mishandling of this data demonstrates a clear violation of federal regulations and my fundamental rights as a borrower. I am deeply concerned about the potential misuse of my information and the lack of transparency regarding how this breach occurred and what steps are being taken to remedy the situation. 

I am requesting an immediate investigation into this matter and the enforcement of necessary corrective actions to hold the responsible parties accountable. Additionally, I seek clear communication regarding the extent of the breach, measures taken to mitigate risks, and assurances that my personal data will be protected moving forward. Furthermore, due to the severe mishandling of my personal and financial information, I am seeking the immediate removal of all student loans associated with my records and the deletion of any negative remarks on my credit report that have resulted from this violation. 

I appreciate your time and prompt attention to this serious issue. Please provide any updates regarding the status of my complaint and the actions the CFPB intends to take. I look forward to your response and a resolution that upholds my rights under FERPA. 

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

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/XXXX and XXXX, 2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns because I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.