23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

hello my digital assets are on COINBASE digital wallet - My coinbase account is tied to my bank account for purchases etc 2 weeks ago my account started to display this message upon sign in Your ability to trade and transact is disabled Your recent purchase of digital assets has failed. As a result, the ability to trade and transact is disabled. In 5 days, we will proactively initiate an automatic recovery. '' when I click on MAKE PAYMENT it says this " Failed payments Your recent purchase failed Until resolved, your ability to trade and transact is disabled.After 5 days, we will automatically sell cryptocurrency in your account to collect any outstanding payments. '' I have not made any recent purchases and coinbase told me a specialist would contact me in 4-5 days they have not contacted me and when I send them an email to their support I get a copy and pasted response that says the same thing ( a specialist will contact me in 4-5 days ) I have had a Coinbase account for many years and have never had this issue bofore my bank assured me that they did not reject any coinbase purchases
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/17 XXXX investigated and deleted five errors from my credit report with them. To date they either have not or will not report these deleted items to the two other credit reporting as I believe is required by law under the FCRA. 
I need to have these errors deleted from all three CRA, s as I intend to apply for a mortgage shortly Thank you
Product: Vehicle loan or lease

I purchased a car and took out a loan from American credit acceptance, XXXX XXXX, 2023 i have been making my payments on time before the due date i have already made 4 monthly payments to them and they said that my good standing account payments would be reported to the credit bureaus this is 4 months already and they still havnt reported to the bureaus, even when they said they do. im trying to build my credit and this is preventing me from getting a credit score. especially when i try to refinance in 6 months since they charged me a 28 % interest.
Product: Credit reporting or other personal consumer reports

XXXX finance XX/XX/XXXX - XXXX. Paid off - still on credit report XXXX XXXX XX/XX/XXXX - XXXX - paid off still on credit report XXXX XXXX XXXX - XX/XX/XXXX - shows closed and opened. Currently open. 
XXXX XXXX - hard inquiry XX/XX/XXXX - did not authorize XXXX  XXXX  - hard inquiry XX/XX/XXXX - did not authorize XXXX - hard inquiry - XX/XX/XXXX - did not authorize XXXX  hard inquiry - XX/XX/XXXX - did not authorize XXXX XXXX XXXX  - XX/XX/XXXX - did not authorize XXXX  XXXX via dealer - XX/XX/XXXX - did not authorize XXXX - XX/XX/XXXX - hard inquiry did not authorize XXXX  XX/XX/XXXX - hard inquiry- did not authorize
Product: Credit reporting or other personal consumer reports

I am writing this letter to dispute the following accounts : XXXX XXXX XXXX  Reported : XXXXXXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX, Reported : XXXXXXXX XXXX XXXX {$600.00} These agencies are in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. Therefore, the following accounts must be deleted from my report as required by law.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Product: Mortgage

In XX/XX/XXXX I lost my job due to XXXX and began door dashing to try and recoup my income. I entered into a forbearance with the serviced and exited it on XX/XX/XXXX. Since then I have attempted to engage for a modification and have been unsuccessful as I am being asked to produce tax returns which I can not because I have not filed. I do not want to lose my home but feel like I am being given no choice but to foreclose or sell. I know Im eligible for a streamline option and would like to pursue that. I can afford my normal monthly payment and just need a fresh start. Why cant I get a streamline option like I know Im eligible for. Also why havent I ever been offered assistance through XXXX for reduced benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I included XXXX attachments to be reviewed
Product: Debt collection

They continually reach out by email stating I owe this debt. They told me I need to file police report or report to the FTC. FTC directed me to you. I dont recognize this debt and Im continually reaching out to them let me see a contract with my signature or my information proving this is my debt. No one every responds. I finally got response on XX/XX/23 saying I must file a police report. I dont have to, and what am I going to the police station with, when they havent gave me any information this is my debt.
Product: Debt collection

On XX/XX/2022 I wrote Evergreen Services to request that they stop collection efforts unless to inform me that a specific action is to take place. Instead, they have sent repeated emails, called numerous times, and each message is the same : " We have an important business matter ... '' Now, even after I sent a Revocation of Authority to Contact Third Parties they are calling my daughter and son and harassing them. First, they called my daughter, XXXX XXXX, XX/XX/2022 at XXXXXXXX XXXX XXXX from XXXX. Immediately afterward, they called my son, XXXX XXXX, XX/XX/2022 at XXXX XXXX XXXX from XXXX. Specifically, they asked my children to let me know that they called her and they have a business-related that they have to discuss with me. I understand that these calls are meant to intimidate, scare, and harass me. I have attached photos of the calls to each of my children as proof of what Evergreen Services is doing.
Product: Mortgage

I refinanced my mortgage, and PHH Mortgage purchased the servicing agreement, in XX/XX/XXXX. My previous service company originally indicated that they would pay the 1st installment of my XXXX taxes, however, when the payment came due, they failed to do so. I contacted my previous service company but also noticed that the money for my taxes had been escrowed with PHH Mortgage Services. At the beginning of XXXX, I contacted PHH mortgage and spoke to someone in their customer service department. I didnt her her name, however, she reassured me that my taxes would be paid, and that PHH would be responsible for any late fees. On XX/XX/XXXX, when my taxes still had not been paid, I telephone PHH Mortgage again and this time was requested to email a copy of my unpaid tax bill to customer care, which I did. 

By midXXXX, my taxes still had not been paid so I telephoned PHH Mortgage again, to find out when my taxes would be paid, only to be told that I should email customer care and the tax department, which I did. On XX/XX/XXXX, my taxes were showing as delinquent on the XXXX County Treasures website and I was livid. I telephoned PHH Mortgage again and was forwarded to an escalator named XXXX, who reassured me that this matter would be rectified immediately. Please see enclosed, a copy of my tax bill for the 1st installment of XXXX. To this day, my taxes remain unpaid and show as being delinquent. 

I am an Illinois XXXX XXXX XXXX. I cant have my taxes being shown as delinquent. The money is sitting in my escrow account. Each time I call PHH Mortgage they say the tax department is investigating the matter. What do they possibly have to investigate that is taking so long? 

Your assistance in this matter is greatly appreciated. 

Kindly, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The Mortgage company which is servicing my loan is doing the following to trigger this complaint- 1. I use their automatic telephone payment system and have been paying additional amount, over and above my regular payment so that the additional payments are applied towards my principal. Additional payments were always applied to reduce my principal. 2. However in the month of XXXX the additional {$2000.00} I paid were not applied to reduce my outstanding Principal but were left as unapplied partial payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noted on a recent copy of my credit report were late payments on an account I have with BB & T Bank   dating back to approximately 3 years. Knowing that something wasn't right, I called to request copies of past documents and was told they would be mailed to my home. A week passed and after not receiving anything by mail, I drove to my local BB & T branch. This time I was told documents would be mailed in 7 to 10 business days. Two weeks have passed and no documents. I looked back through my bank statements as far as allowed and Highlighted were my payments were made on time. According to my Credit reports, BB & T last updated this information in XXXX of XXXX, but more late payments are continuing to be reported through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX. 

XXXX Account # XXXX 30 days late in XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received notice that a dispute that I had previously submitted for inaccuracies was completed. The notice that I received from Experian stated that the 2 companies ; XXXX XXXX and XXXX XXXX was not listed on my report. I called Experian and inquired about this issue and they assured me that it has indeed been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making payments since XX/XX/2018 and they still are showing my loans in the deliquent status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've informed TransUnion via the CFPB on XX/XX/XXXX and via the USPS certified mail on XX/XX/XXXX that I have become a victim of identity theft. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship and discouragement. 

I sent a dispute notice with supporting documentation, i.e ; FTC Report, Police report, etc., yet the fraudulent accounts remain on my consumer report. I have received a USPS return receipt signed by TransUnion LLC on XX/XX/XXXX, which is proof that TransUnion has received my dispute and that I do Not agree with the response from TransUnion via the CFPB. 

The fraudulent accounts on my consumer report are inaccurate and have not been validated, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA or removed pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ). Each time and most recently on XX/XX/XXXX TransUnion has responded by stating that an investigation with the furnisher of the information has been initiated and when the furnishing company provides their findings, they will send those results to me. As of XX/XX/XXXX TransUnion has not provided me with those results nor procedurally proper validation of the debt ( s ). A copy of the consumer credit contract and/or bill is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account

. Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.1 ( 1986 ). and Solon v. Godbole, 163 Ill. App. 3d 845, 114 Ill. Dec. 890, 516 N. E.2d 1045 ( 3Dist. 1987 ). Pursuant to 12 CFR Part 1022 Subpart M 1022.120 1022.129, TransUnion is in violation by not responding to my notice of Identity theft within 30 days.
Product: Mortgage

XX/XX/2020 Mortgage application was made to TriStar Finance along with supporting documentation. 
XX/XX/2020 Loan estimate with rate and fees was sent to borrowers. Rate was locked. 
XX/XX/2020 ( According to lender XXXX Investor sent out adverse market fee notice on 0.5 % GSE fee. 
XX/XX/2020 A whole bunch of disclosures sent to borrowers, including the 0.5 % G fee, which was not communicated to borrowers at rate lock. 
XX/XX/2020 Emails and phone communication between borrowers and lender regarding the added G-fee. Loan application was cancelled.
Product: Mortgage

I Have been under a chapter XXXX bankruptcy plan since XXXX 2014 and have paid regular monthly payments to Shellpoint and the trustee. This company has promised several times to send me an account history but nothing happens. I have no idea how my payments are applied since I am not getting any monthly statements either. No one responds to me from their bankruptcy department and I do have a letter on file with them from the Attorney Authorizing them to talk to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was breached in the Equifax hack that occurred on or before XXXX 2017. All of my personal data was stolen, including SSN, full name, addresses, credit card numbers, and more.
Equifax stored the information with a very low level of security that made this possible. If they followed correct encryption and sensitive data storage practices, my information would be safe.
Product: Credit card

Tomoboost Purchased this item through XXXX.. They were paid in full. Once i read more on them and did not receive the service I paid for I requested a refund and I have written them numerous emails with them even telling me that they did get my cancellation, but they will not respond to my request for the refund
Product: Student loan

Lender : Access Group ; Loan service provider : XXXXPrivate student loan. 
My monthly payment amount adjusted ( based on repayment schedule ) and I contacted customer service via telephone to verify the new payment amount ( then made a payment for that amount ). The following month I received a statement indicating that I was {$.00} delinquent on my account and that a {$10.00} late fee had been assessed. I then contacted customer service via phone again and was told that my {$.00} overdue amount had exceeded my contractual 15 day grace period and that they would not waive the late fee.
Product: Credit reporting or other personal consumer reports

TransUnion ( TU ) is failing to dispute information on my credit report. The credit reporting agency is claiming the letter is not valid because it was not submitted by me. On XX/XX/year>, I mailed a dispute to TransUnion disputing specific items on my credit report due to identity theft. They received the letter XX/XX/year>. On XX/XX/year> they emailed me correspondence claiming they were not going to honor my dispute because I was not the individual or they thought it was being submitted by a third party. They are failing at honoring FCRA laws and regulations. I need them to honor my dispute and if they fail to do so I seek a remedy of {$1000.00} per individual account. I've attached the original letter I mailed to TU. I need this matter honor per FCRA laws.
Product: Credit reporting or other personal consumer reports

The company lied on the application after the paper app that I filled out had my proper address thats been on my Florida license since XXXX  and have personal proof that I have to live there this whole time. I have a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX changed my address without my permission, to my ex girlfriend house so she could have a refrigerator that she was paying for with her card, because I never once swiped my card because I found out the card used has to be XXXX that the refrigerator is going for automatic payment for zip code XXXX Ive never lived at that zip code, my zip code is XXXX and they reported I lived there on my credit report at XXXX with the address, that how I know they changed it and now I have having problems because they are reporting the address and bad credit that is hurting my credit when I already live on a fixed income and now they have. I tried to have a resolution and call the woman that has the refrigerator that was paying for it and called XXXX  to have them pick up the thing because they were harassing me calling up to XXXX times a day. When I called XXXX to pick up the refrigerator they said they couldnt is what I was told I could bring it in, how? If it a secured loan by the refrigerator than why wouldnt you go pick it up? Scammed by the store and XXXX they just wanted the sell and she wanted the refrigerator. The address on the agreement is not the address I gave them and they allow her to pay with her card and set up payment automatic draft. My credit is ruined and they have made it where I can attain the services that are required because my credit. XXXX I guess their name should of told me! XXXX totally disappointed
Product: Mortgage

I had just closed on a mortgage for my primary residence with Union Bank at the end of XXXX / beginning of XXXX and started working with them for a refinance transaction for an investment property on XX/XX/XXXX. I was quoted by XXXX XXXX over email that closing costs would be roughly 4k  on on $ XXXX 75 % = {$150000.00}, PI {$760.00} 3.875 % 1.250 pts. 
I asked XXXX and his assistant XXXX to proceed with the transaction. 
XXXX responded on XX/XX/XXXX with this : " Ok, I will forward a online app invite to you, the same you filled out for your purchase. Its easy. '' I filled out the application and proceeded to provide all required documents to XXXX and XXXX. 


On XX/XX/XXXX I received a loan estimate that showed the closing cost of {$7300.00} instead of ~ {$4000.00} that was quoted to me. This is all documented in email. XXXX said that was a misquote and he will work with management to get a rate exception While the issue with the rate was going on, I was told that the appraisal has been ordered ... and I was contacted by the appraiser who completed the appraisal in XXXX. 
As I was getting worried that the transaction is not proceeding as per normal i kept asking XXXX about progress and was always reassured that its proceeding per usual and that refinances are just taking a long time at the bank right now. 
But in the middle of XXXX i was told by XXXX that my application was cancelled since I did not pay the application fees. NO ONE EVER ASKED ME FOR AN APPLICATION FEES. 
At this point, XXXX said we need to re-start the process. XXXX called and collected {$550.00} application fees and my loan was submitted for underwriting around XX/XX/XXXX and a new appraisal was ordered. 
After getting the run around from underwriting for a month and still no progress till XXXX, i decided to go with XXXX  XXXX  for this transaction. 
I am asking for action to be taken against Union Bank and for my {$550.00} application fees to be refunded in full
Product: Mortgage

I am writing to request legal action against Shellpoint Mortgage Servicing for their unlawful and discriminatory practices regarding force-placed insurance. Force-placed insurance is a type of insurance that lenders can purchase on behalf of borrowers who fail to maintain adequate coverage on their property. However, I have proof that I have maintained sufficient insurance coverage on my property located at XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX since XXXX 

Despite providing the required documentation for each insurance policy for my property, Shellpoint has repeatedly ignored my evidence and phone calls from my insurance agent, XXXX XXXX of The XXXX XXXX. Shellpoint has continued to charge me for their own lender-placed insurance policy, which is much more expensive and provides less coverage than my own policy. This is a violation of federal and state laws, such as the Real Estate Settlement Procedures Act ( RESPA ), the Consumer Financial Protection Act ( CFPA ), and the Florida Insurance Code. 

I am not the only victim of Shellpoint 's abusive and fraudulent behavior. Many other customers of Shellpoint have reported similar experiences of harassment and discrimination. Shellpoint 's actions have caused me and others financial harm, emotional distress, and loss of dignity. 

I urge you to sue Shellpoint on my behalf and on behalf of other customers who have suffered from their illegal and unethical conduct. I have attached copies of my insurance policies, payment receipts, and correspondence with Shellpoint as evidence of their wrongdoing since they start servicing our loan. I hope you can help me and others get justice and compensation for the damages we have endured. 

Thank you for your attention and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX