23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I could write a book about the nightmare that has been this mortgage process, but I will try to keep it short and stick to that main issues. We started this process on, or about XX/XX/2022, with a target closing date of XX/XX/2022. From the start, there was a serious lack of communication from and with the lender. She/they would just ignore our texts, emails, phone calls, and questions. I found out that I needed to be out of my residence at the time by XX/XX/XXXX, so my agent attempted to move the closing to XX/XX/XXXX and, despite the urgency of that request, once again, we were simply ignored. The became their way of doing thingsunless they initiated the conversation, we were just ignored. There were numerous times that we thought we were about ready to close, then the lack of any communication would happen again, as well as the well, we need this one more thing. I was told SEVERAL times that this is the last thing that we need and we will be ready, only to get the call, or text the next day, saying, well, the underwriter/processor want this one more thing. That has gone on for weeks, now, and again, they always wait until the XXXX hour at the end of the week, when it is too late to do anything about their requests. SO, finally on Monday, XX/XX/2022, I was told we were ready to close and received the Revised Closing Disclosures. I had asked, repeatedly, what the cash to close was going to be, as it had changed several times during this process. The disclosures I received showed that amount to be {$5100.00} and change. Well, 3 days later, when we went to the closing table on Thursday, XX/XX/2022, the cash to close had increased to almost $ XXXXwithout ANY notice from the lender! We were ALL floored, except the lender, who wasnt even there. Needless to say, we didnt close and all left just blown away by the turn of events. AND, to top it all off, I logged onto my Truist account on Sunday, for other reasons, to find that I have a mortgage with Truist!!! A mortgage that I never signed for, or have property for!!! How does that happen?! So, can you see why I am extremely frustrated and done with the whole process, 2 months later???
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and was notified about accounts being opened with my information. I contacted the companies to get the matter resolved and Wells Fargo is still saying that the bill is mine. I filed a police report for identity theft and sent the information to all the credit bureaus. I have been unsuccessful in speaking with Wells Fargo and all I would like for the account to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my last complaint, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$6000.00} XXXX CARD XXXX Balance : {$14000.00}
Product: Money transfer, virtual currency, or money service

XXXX unauthorized transaction where allowed and charged me XXXX and somehow Cashapp let this happen when I had no money in the account so now Iam negitive that amount and still dont no how or why need help I have requested to talk o someone but I never get anywhere no one has got back to me besides a auto bot messenger saying dispute this transaction and I did and no one ever answers or lets me choose more then one transaction
Product: Student loan

On XX/XX/year> I was given a bill from my student loan service provider MOHELA that was due on XX/XX/year>. I paid it the next day on XX/XX/year> and got a confirmation email ( attached ) from MOHELA stating it was being processed ( it takes a few days for the payment to go through ). The money was officially taken from my bank account on XX/XX/year> as you can see on the bank statement that I attached. I always pay my bills as soon as I get them. I received a notification that my account had gone through a system transfer a few days after I made the payment. I noticed that the money still hadnt been processed into my account after the system transfer. I emailed and called them and was told to give it XXXX days for all payments to update and transfer to the new system. I refused to pay twice for a bill I already payed, but continued to pay for new bills. So when the due date for the original bill came and went, I received late payment notifications. I emailed the company again about my payment and was told that I had a bill that was XXXX days delinquent and to pay it ( which I already knew?? They completely ignored my email and just told me to pay the overdue bill ). So I emailed them again, and they told me they received the payment and it would be published to my account WITH the original date I paid it and to give it XXXX days and IGNORE late notices for payments. So I waited. Then I looked back on XX/XX/year> and noticed that it had STILL not been applied to my account, so I emailed them again ( their phone system is atrocious and it takes forever to talk to a real person so I preferred email ). They now told me that they never received my payment and to give them more information. So Im just confused because in one email theyre telling me they received it and then the other they havent? Something just isnt adding up to me and its making me feel like my money and loans are being completely mismanaged. I am beginning to no longer trust this company and its hard to keep paying them my money when I dont know if theyll be able to keep up with it or not. Its been around XXXX months and I need to know where the {$180.00} I paid them went. Ive attached all email communication Ive had with them and I will also be sending them another email stating they need to look into it again and find the money I paid. Their system does not allow me to attach files so maybe reporting it here will actually make them do something.
Product: Debt collection

According to the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies, and as a consumer, I have the right to ensure my private information is not shared. This right is supported by 15 USC 6801, which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Under this title, furnishers of information to credit agencies are defined as financial institutions. 

15 USC 1681, Section 604a2, states, " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Neither XXXX, XXXX XXXX, XXXX, nor the financial institution furnishing information to credit agencies have my consent, written or otherwise, to furnish this information. Therefore, I revoke any and all consentverbal, non-verbal, written, implied, or otherwiseto XXXX, XXXX, and the furnisher of information to credit agencies. 

15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies has never informed me of my right to exercise my nondisclosure option. Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' This account is an adverse item being reported without my permission, which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states, " 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. '' Additionally, 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Furthermore, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am hereby opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XX/XX/2020 XXXX CO XX/XX/2020
Product: Credit reporting or other personal consumer reports

Date XX/XX/2014 Name : XXXX XXXX I have called the company they were unable to give me any information on when I have applied for they service
Product: Debt collection

In XXXX, I was made aware of an account opened in my name with XXXX XXXX XXXX XXXX. I found this out be receiving collection calls. I checked my credit report and located a collection placed placed by XXXX XXXX XXXX mobility with XXXX XXXX. I disputed the debt directly with the 3 credit bureaus, multiple times, with limited success. I had one bureau take it off. The other two left it in place. I filed a complaint with the state of Indiana attorney general office on XX/XX/XXXX against XXXX  and XXXX XXXX XXXX. I received response from the attorney general office on XX/XX/XXXX. That response included a letter from XXXX agreeing to delete the debt and cease collection. They stated I would need to complete a fraud packet from XXXX XXXX XXXX  which I would receive in the mail. I never received the fraud packet. The item was removed from my credit and i assumed the issue resolved. Last year I noted this item again on my credit. I disputed it with limited success. I was told the debt was validated. But shortly thereafter, it dropped off my reports again. Fastforward to today, I am attempting to get a mortgage to buy a home, and this fraudulent invalid charge is causing underwriters to pause my loan. I am at risk of losing out on the purchasing the home. I have to be out of my current home by XXXX, and will be left with few options if this not resolved. The debt is being reported by Radius Solutions whom I have never had dealings with. I have also NEVER done business with XXXX XXXX XXXX XXXX, yet they insist this is my debt. XXXX XXXX XXXX is neglient in that they clearly never confirmed the identity of the person who they opened an account for using my name. Radius negligent in assuming the debt is valid without out doing any due diligence. Neither party ever contacted me to ask for personal information to verify. They simply said it was mine and reported it.
Product: Mortgage

I had a water damage in my townhome and filed a claim with my home owner insurance company XXXXXXXX 2022. After some inspections from the adjuster the insurance company sent to evaluate the damage when the claim was first filed in 2022 and after damage was partially fixed using my own funds, in the beginning of 2024, the insurance company awarded me money to compensate for the damage. Checks were made in XXXX installments, the first check with smaller amount ( {$590.00}, after the deductible ) was issued at the filing of the claim, in 2022, for immediate remediation, the XXXX checks, totaling about {$8000.00} were issued in XXXX, 2024. The checks were make to both me, the homeowner, and AXOS bank, the mortgage company that holds a lien on my townhome. I mailed the checks to AXOS for endorsement on XX/XX/XXXX. Their Portfolio Management company requested a slew of information, including the claim details, adjuster 's estimate, payment breakdown, signed affidavit, my home insurance policy, my HOA insurance policy ( even though the HOA insurance did not get involved with the damage that happened within the walls of my unit and were not part of this claim ). My checks have not been indorsed as of yet, I can not reach anyone at XXXX at AXOS to follow up, and don't have the funds to finish repairing the bathroom damage in my home. AXOS sends me emails stated they need more information and directing me to their message box in my online account, which does not state what information they need. My repeated replies through the online messaging gets no response. This situation is causing me XXXX XXXXl and emotion stress and financial hardship.
Product: Payday loan, title loan, or personal loan

I burrowed XXXX something dollar and didnt have the time to pay it on time cuz I had a baby and I got some complications after the baby and also I just loss my mom. So I tried calling the collection so I can pay off the loan in full amount and so they can close the case the they opened on me but they werent answering at all, so how can I solve this problem, I dont want the judge to think Im not doing anything to solve this problem and I dont wan na go to jail, I just had a baby XXXX  months ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and asked how they came up with my score when my insurance card told me we got information from XXXX. I called XXXX and he said we will send you and still now they are not giving me my credit report. I asked and faxed to them 3 times and no one responded till now and i got the fax confirmation letter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I tried to transfer a {$180.00} balance with Venmo and was surprised to hear that they had frozen my account due to a " violation of our User Agreement ''. I grew suspicious when they froze my account after I sold the XXXX  that I had in my account and tried to transfer the cash back to my bank account. I received an email asking me to send in a picture of my driver license to verify my identity. I complied with that request and I promptly got with customer service via chat and spoke to representative XXXX XXXX She assured me that she would not be able to assist me because " another department is working on it ''. 
I asked why was it that my account suddenly was frozen when I tried to empty my small cash balance. I further explained that the monies were going back to the bank account that the funds were sourced from. I then asked why my credit card was frozen when I had never been late and they collected {$1300.00} from me in payments without a single returned payment in the month of XXXX. She said that she would not be able to help me. 
I let them know that I would be filing a complaint and then she said that she would have a supervisor reach out to me within an hour which never happened. Holding my funds without any explanation and not being able to provide me with information on any further action that I need to take to rectify any issues is very deceptive in my opinion and would like some help in ( 1 ) getting my funds and ( 2 ) finding out why they froze my account. I went through the user agreement and could not find any violations that apply to me as I have used their services within their standards and they even extended credit to me. Any help that your bureau can provide would be greatly appreciated. Thank you so much. 
I have attached the Venmo chat that took place for reference.
Product: Mortgage

I would like to report the consistent wrong date entries for payment receipts and misleading multiple false entries of late fees on my account by Specialized Loan Servicing ( SLS ). 

My account on SLS account shows the last payment received on XX/XX/XXXX. My bank statement ( attached ) proves the money was deducted from my bank on XX/XX/XXXX and attached SLS document shows the money was transferred to SLS on XX/XX/XXXX. 

There should be no more transactions after XX/XX/XXXX and there should not be any late fees of {$15.00} or {$130.00} as it shows on my account. 
( See attached documents, '' SLSacknowledgementOfReceipt '' there are 20 transaction entries by SLS, and the SLS representative is confused acknowledging what is the status of money I sent from my bank to SLS on XX/XX/XXXX ) I called on XX/XX/XXXX and was told my XXXX payment was XXXX. Checking online, it showed {$2700.00} and an additional amount of {$200.00} as late payment. 
I sent a check ( USPS-return receipt ) for the total amount of {$2900.00}. ( to ask about the {$200.00} late fee later ). 
3 days later I called SLS to confirm the receipt of the check and I was told I sent the check to the wrong address, to SLS document center address, and it would not be posted on-time, or will be sent back to me. 
I was told to send the check directly from my bank account, and stop the other check, just to be sure there would not be a double mortgage amount posting for XX/XX/XXXX. 
I did exactly that. I stopped the check and sent money as it showed on the SLS website, in two different amount. One was for {$200.00} and the other was for {$2700.00}.

Today I found various wrong posting on my account with various {$15.00} and a {$130.00} late fee, where there should not be any late fee. The mortgage cleared my bank account on XX/XX/XXXX for XX/XX/XXXX period.
Product: Money transfer, virtual currency, or money service

My boyfriend submitted Unauthorized transactions of money he sent to my account He wasnt approved for the refunds he received a email saying he wasnt approve and the case is closed on his end. But the case is still open on my account PayPal is charging my account for the transactions my bf submitted and it has my account with a negative balance but PayPal didnt approve the authorizated transaction for my bf second I sent my mom XXXX $ to her PayPal account on portions because PayPal wouldnt allow me to send it in a full amount soon has I sent it PayPal closed my account and my mothers account XXXX is her PayPal email for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last Reported XX/XX/XXXX Creditor Name PROFESSIONAL DEBT MEDIAT Account Type Account Status Open Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment -- Responsibility Individual Balance {$2800.00} Highest Balance {$2800.00} Payment Status Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late -- / -- / -- Remarks Account information disputed by consumer, meets FCRA requirements Payment History Latest Status : No payment history has been reported by this creditor. 
Creditor Contact Details PROFESSIONAL DEBT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX & XXXX XXXX XX/XX/XXXX original creditor, XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} under laws codes : fair credit reporting act violation of my rights 15 U.S.C 1681s-2 ( A ) ( 1 ) 15 U.S.C 1681 SECTION 602 A, 15 U.S.C 1681 SECTION 604 A SECTION 2 15 U.S.C 1681C. ( A ) ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one made an account in credit karma and XXXX  got my info for the job background and the addresses they had were places I never lived so these people were using my info to do something which I don't know what
Product: Student loan

My Grandmother co-signed on this loan. I have never missed a payment, now that my Grandmother, XXXX XXXX, is total and permanently XXXX, I want these 2 loans removed from her credit report. 

She was discharged from the student loans she had due to the XXXX being approved, See attached.
Product: Money transfer, virtual currency, or money service

This complaint is in regards to the Crypto.com ( XXXX ) USD XXXX wallet which is held at XXXX XXXX XXXX  on my behalf. Im in a predicament whereby I transferred funds from my external bank accounts into this XXXX wallet via ACH. Almost a year later, XXXX froze my account, and require me to validate some previous external ACH transfers into my XXXX USD XXXX wallet. The problem is that I dont remember where I originated the funds from. I asked them for complete details of the ACH deposits in question ( stemming XX/XX/2021 to XX/XX/2021 ) so that I may look at my corresponding bank statements. XXXX said they could not provide that information despite the fact that I have a USD balance, and I would expect them or their program to have easily accessible transaction data as I am requesting. Imagine if I had a fraudulent ACH transfer - how would I claim a regulation E protection when the program manager ( XXXX XXXX refuse to give me the data? I have attached screenshots showing what transactions look like in the wallet, and the fact that they do have complete information for instant deposits.
Product: Credit reporting or other personal consumer reports

I sent a letter to Equifax on XX/XX/XXXX asking for my personal information to be fixed as they were providing the wrong information, I also asked for an updated credit report with the updated information to be sent to my address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, NJ XXXX which they didnt provide. 
I sent a second letter in XX/XX/XXXX requesting for the same information to be deleted and they still havent done anything, I also called in XX/XX/XXXX and was told the changes were made and my personal information was corrected, but I just got a new credit report and saw they still reporting wrong addresses on it. 

My ONLY and current address is : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I DO NOT RECOGNIZE THESE XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX