23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received the requested email payoff quote from Mr. Cooper on XX/XX/XXXX but was not able to open until night of XX/XX/XXXX due to their system experiencing intermittent issues on the web. I mention this due to the fact that theyre trying to Foreclose on my home & time is of the essence. I also believe that Mr. Cooper is incorrect & making another error regarding the alleged principle amt. of {$20000.00} that theyre stating is owed to them on a loan of {$32000.00} with an interest rate of 2.375 % for most of the years ( I believe XXXX ) that Ive had the loan & have been paying on this loan for 15 years & was Never late until they stopped taking payments out of my checking account. Ive discovered another error with this company regarding my Maturity Date which is Not XX/XX/XXXX as Mr. Cooper has stated in their documents, My actual XXXX XXXX is : XXXX/XXXX/XXXX effective : XX/XX/XXXX which I have proof of & is crucial in my defense since Mr. Cooper claims that their reason for reneging on their reinstatement quote of XXXX & repayment agreement of {$130.00} that they XXXX offered Me on XX/XX/XXXX. 
This is definitely suspicious fraudulent conduct in my overall opinion & I deserve satisfactory treatment, answers & an investigation into this matter asap. Thank you in advance. Best Regards!
Product: Debt collection

I have tried for several years to challenge a letter that Midland Credit XXXX has been sending for many years, claiming they I owe money to " XXXX XXXX  XXXX ''. 
I have never had an account with any such company, and have made repeated attempts ( see attached ) asking them to verify the debt and demonstrate what services I signed up for that generated this action. 

I have even challenged this thru XXXX, but the answer I always received is " verified ''. 
Midland Credit refuses to tell me what the bill is for, and what services generated this debt? 

I have also circled the bottom of the recent Midland Credit form, telling me that the bill is past the statute to limitations.
Product: Money transfer, virtual currency, or money service

I SEND {$220.00} to one of my family member in the XXXX XXXX on monday XX/XX/19 using the express service, i called Remitly 5 times to ask them why my money still frozen on their system, they told me that they will take care that problem in 4 hours on monday XX/XX/19, i called back again and they told me that the other parnert need a Id from my recipient and i did send it to them but no answers, my money still frozen in they system, i called them back again and they told me that they will contact their parnert again to see happens, no but answer yet. today is wednesday XX/XX/XXXXand no no call from remitly, no call from XXXX XXXX no email from nobody about my money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX, # XXXX, # XXXX and # 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
Product: Credit reporting or other personal consumer reports

Spoke with Experian and also XXXX about inaccurate dates and late payments also inaccurate information giving to them. From creditor 's listed on my account. In which they violated my rights as a consumer. Per 15 usc 6801-6802 laws. That information given damaged my approval for a refinance loan on my home.. dates of account are inaccurate also payments history. I've tried to dispute online through both Experian and XXXX Web site. But nothing has been resolved. This is my last option before I have to seek legal actions against all parties involved.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason. I submitted my documents but they didn't released my funds. I've waited 24hrs like they said but nothing happens. They first limited my account temporarily and then now limited it permanently. Please help me get my funds on my Paypal wallet. This happened last XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report for accuracy and saw an account for XXXX XXXX XXXX for Original creditor : XXXX XXXX in the amount of {$310.00} for an account opened in XXXX. This is a very old debt that should not be reporting. The Fair Credit Debt Reporting Act states debt should report for a max of 7 years only. The collection was opened XX/XX/XXXX and it is XX/XX/XXXX. The XXXX date for this account is XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a 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. This company has not validate any debt.
Product: Credit reporting or other personal consumer reports

Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had collections and inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I find it disheartening that you keep claiming these 2 accounts to be verified and IT IS SO ABUNDANTLY CLEAR that the information is inconsistent. Now rather its you or the other credit bureaus that is reporting the incorrect information is none of my concern. The point is ONE OF YOU is WRONG and until you can prove to ME that you are the bureau that's correct, then ALL of you is WRONG. Please delete these accounts.It is so clear it wasn '' t properly verified. All credit information reported to the credit bureaus must match in its entirety amongst all credit bureaus and if you look at mt attachments as proof you can see that is not accurate and consistent. The accounts in question are XXXX XXXX  XXXX and XXXX XXXX  XXXX/XXXX XXXX XXXX. Here is the incoonsistencies with XXXX XXXX. The DATE OPENED is inconsistent amongst you and the other 2 bureaus, LAST REPORTED is inconsistent amongst you and the other 2 bureaus, DATE LAST ACTIVE is inconsistent amongst you and the other bureaus and the DATE OF LAST PAYMENT is inconsistent amongst you and the other bureaus. Now for XXXX XXXX XXXX/XXXX XXXX inconsistencies. LAST REPORTED is inconsistent amongst you and the other bureaus, DATE LAST ACTIVE is inconsistent amongst you and the other bureaus an DATE OF LAST PAYMENT is inconsistent amongst you and the other bureaus. AGAIN I have attached documents that clearly show that you have not properly verified anything. Please review
Product: Credit card or prepaid card

I was making a hotel booking at the XXXX XXXX hotel chain. I found a good deal and was looking at prices. I saw they were advertising the Chase Bank credit card for XXXX. I clicked on the offer and was taken to Chase.com website. I took a screen capture of the offer where they offered 3 free nights after spending {$5000.00} on the card on 3 months. My application was submitted successfully directly with Chase and I got approved for the card. I called Chase to confirm the 3 free nights and the lady on the phone ( XXXX ) told me she didn't see the 3 night offer and to send chase a private message through my online account portal. I did and they replied that they needed to see a copy of the promotion. Thank XXXX I had taken a screenshot so I sent them that and after that they said they couldn't honor the offer. This is classic bait and switch and has left a very very sour taste on me, to be gamed this way but what I thought was a prestigious bank.
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint regarding the numerous unsuccessful attempts I have made to remove fraudulent items from my account. The persistent presence of unauthorized transactions has caused significant distress and concern, necessitating immediate attention and resolution. 

During my initial contact, I provided details of the fraudulent transactions and was assured that an investigation would be initiated. I was also informed that the necessary steps would be taken to remove the unauthorized charges from my account. 


Subsequent to the initial contact, I have made multiple follow-up calls to inquire about the progress of the investigation and the status of the removal of the fraudulent items. Unfortunately, despite assurances, the fraudulent transactions remain on my account. 
The lack of resolution to this matter is deeply concerning. The repeated failures to remove the fraudulent items have not only caused financial strain but have also eroded my confidence in the security measures of your institution. 
Requested Actions : I urgently request the immediate and complete removal of all fraudulent transactions from my account. This is essential to mitigate the financial impact and restore the integrity of my account. 

I implore your team to expedite the investigation into these unauthorized transactions to identify the perpetrators and prevent any further compromise of my account. 
Communication Clear and regular communication on the progress of the investigation and the steps being taken to rectify this situation is vital. I expect to be kept informed throughout the resolution process. 

Given the distress and inconvenience caused by these fraudulent transactions, I request fair compensation for any financial losses incurred. Additionally, I seek assurance that enhanced security measures will be implemented to prevent a recurrence of such incidents. 
I trust that you will treat this matter with the utmost urgency and diligence it demands. The timely resolution of this issue is crucial to restoring my confidence in the security of my account. I am asking for your assistance to remove these fraudulent items in my credit file : 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
Product: Vehicle loan or lease

purchased car in in XXXX Financed  Through Santander Consumer USA financed for 72 months, payment per month is {$740.00}. When I called first in they said I had 7 payments left I already made 4 paymen tsand still I was  making payments instead of getting less the payment increased to 18 payments. We went to XXXX Dealer in XXXX, TX, they got the payoff print out it said 10 payment and payoff amount was {$12000.00}. If 10 payments left then it should be {$7400.00}. If I payoff by XX/XX/XXXX It should be less plus the interest should be taken off, and payoff should be less, They reported same amount to credit bureau. XXXX dealer said this is not correct, There APP is wrong. They had many other customer like me complained about Santander Conusmer USA to them ( XXXX XXXX  ). It seem like they are doing wrong to the customer and robbing the people and making money for them. We will appreciated the help we get form you, far decision and far settlement amount ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, rights of privacy have been violated and breached by this bureau which could be a direct violation of federal law. This bureau is reporting incorrect data on their site and according to the government law, it is the bureau 's GRAVE Obligation to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. This bureau is additionally in infringement of federal law by putting inaccurate accounts on their site without my authorization.
Product: Debt collection

File chapter XXXX 0n XX/XX/2016. At the time this debt was created my dental insurance paid more than absolute dental claimed I owe. 
I claimed this debt on my chapter XXXX bankruptcy.
Product: Credit card

My husband 's XXXX Chase credit card was shut down due to unusual activity and Chase shut down my independent card as well. I have spent a lot of time trying to resolve this. My husband XXXX XXXXXX/XX/year> and i personally went to Chase to take him off our account. Now I can not even do that as we put our daughter on the account for safety purposes as we are both elderly. Apparently she has to sign before my husband can be removed from the account. I now can not access my husband 's credit card to pay some final bills and then shut it down. I have spent many hours trying to work with this institution and all I usually get are foreign nationals that I can not understand. This is not acceptable. I have now been on hold on the phone for twenty minutes because I asked for a supervisor as I could not understand her heavy accent. Now Chase wants to send my dead husband a new card with new number. His is DECEASED!!! He does not need a new card. I just want to pay off the couple of charges on his old card and shut it down! Now is looks like Chase has also closed our XXXX account. Unbelievable. I am an XXXX XXXX XXXX widow with an excellent credit rating and married to my husband for 61 years. This whole thing is outrageous! 
PLEASE HELP!
Product: Credit reporting or other personal consumer reports

I have 4 accounts on all 3 credit monitoring companies that are not being verified correctly and have failed to meet the USC 15 Codes and XXXX reporting standards. The credit monitoring companies are claiming to have verified the information, but after speaking with each of the creditors and they can not verify being contacted for verification of these accounts. 
These accounts have been requested to be removed from my report but the three credit reporting agencies are not following these requests from the creditors. the accounts are as follows. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts are currently in litigation for identity theft and i am waiting for the police reports to populate. with the results of these findings. I have an FTC Fraud ticket open with these accounts listed and tied to the police reports.
Product: Credit reporting or other personal consumer reports

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Product: Debt collection

Pursuant to legal code US 15 1692, the alleged debt from XXXX XXXX XXXX, XXXX is a misrepresentation to a consumer that should be eliminated immediately. Pursuant to legal code, 15 US 1681, an accurate and fair evaluation by credit report agencies should not report the alleged debt. Additionally, the attached legal judgement was entered into against XXXX XXXX XXXX, XXXX on XX/XX/year>, dismissing the action for non-payment of rent without prejudice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have grew tired of submitting Dispute letters and CFPB complaints over and over again and yet the Credit reporting agencies have been doing nothing. I took the advise my legal counsel have given me and I am willing to file a lawsuit against the Credit Reporting agencies for their willful non-compliance with the Federal statute, Fair Credit Reporting act section 605b. I am submitting this CFPB complaint today to inform the Credit Bureaus of my plans. Within the next 15 days, I will be reviewing my Credit File and in the event the Credit Bureaus do not comply with my requests for the immediate removal of the disputed accounts and information completely from my Credit File in accordance with the Fair Credit reporting act, I will be filing the Lawsuit me and my legal team had been preparing for quite a long time. If it is not too much to ask, I need the Credit reporting Agencies to remove the following accounts completely from my Credit File : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the 3 credit reporting agencies must delete at once XXXX XXXX and XXXX XXXX XXXX XXXX for inaccurate credit reporting continuing to report accounts that they have discontinue to collection and has canceled with a 1099c the proof is in the 1099c box 6 Code G. Code GDecision or policy to discontinue collection. Code G is used to identify cancellation of debt as a result of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. For purposes of this identifiable event, a defined policy includes both a written policy and the creditor 's established business practice. to report a debt that has a balance and is in collections after they have canceled the debt is false reporting of an debt on they owed choice by filing the 1099c with a code G stops all collections and the stats that there is no more debt the proof is enclosed the 1099C box 6 is proof they canceled the debt and stop all collections
Product: Money transfer, virtual currency, or money service

I used Coinbase to purchase {$6000.00} of XXXX on XX/XX/2019. On XX/XX/2019 I received a notice that another purchase was being initiated for the same amount. I did not initiate this purchase and it was not authorized. I attempted to contact Coinbase twice by telephone and was instructed that no customer service was available by telephone and that I would have to initiate a case on the Internet. I initiated a case and received a confirmation email. Coinbase attempted to withdraw funds from my bank account, which was declined. I received a subsequent email from Coinbase Support on XX/XX/2019 stating that they would be reviewing my case. I sent several replies with no response. I have attempted to call several more times. Coinbase seized XXXX from my account to cover their unauthorized purchase and subsequently sold it at a loss to me. They have stolen my money and I can not even get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times to the bureaus in regards to their investigation of the XXXX XXXX XXXX open on my report, it should be closed and paid off in good standing, no missed payments no derogatory remarks just paid in full. My car has been paid off and I also have my title to prove it, it was sent to me in XX/XX/XXXX after I paid off my car in XXXX. They're inaccurately reporting my car being past due and it is not. I made a payment in full. I still get calls collecting on a vehicle that I own. It makes no sense!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS account on my credit report. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, & XXXX 2021, I APPLIED for a Mortgage loan, XXXX XXXX XXXXXXXX, XXXX Ran this Tri-merge Report for XXXX XXXX XXXX for my XXXX Mortgage Demands with various Lenders over the past 4 1/2 years only to be Denied for being a XXXX Mortgage loan applicant. On XX/XX/2021 I contacted XXXX XXXX XXXXXXXX, XXXX and Requested for a Copy of my Required Tri-Merge Report under the FCRA. Dear Consumer Financial Protection Bureau Im Demanding the Immediate [ RELEASE ] of my Tri-Merge so I can prosecute and indict certain particular individuals within XXXX XXXX XXXX machine fore which Im suing XXXX for {>= $1,000,000} in Federal Court and their sister company, XXXX XXXX XXXXXXXX, XXXX. Director XXXX would immediately Forward me my XXXX XXXX XXXXXXXX, XXXX TRI-merge Report, Thanks!
Product: Credit card or prepaid card

I have a best buy credit card, citibank, since XX/XX/XXXX. I recently noticed that the balance of my credit card was not reflecting the different payments i was making. I made my investigation and realized that i was been charged a debt collection fee, that I didn't sign up for and that i wasn't aware of. I was more likely enrolled without my knowledge. I called the credit card customer service on XX/XX/XXXX, and asked for the service to be canceled, and i requested a refund at the same time, because i was enrolled in without my knowledge. I receive a pdf document on XX/XX/XXXX, notifying me of the successful cancellation, and i second document on XX/XX/XXXX, informing me that my request for a refund was denied. 
All i need is to get a full refund of my money, because i was not told about the enrolment, and neither did i give my approval to have it on my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed on XXXX XXXX that XXXX had reported my closed account as being late. That same day I contacted XXXX and I asked for an explanation and I was told there was a {$1.00} balance on my account which I did not know since I never received my final bill. The agent apologized and stated that XXXX would re-age my account and forgive the balance and it would be corrected on my credit reports. 

On XX/XX/XXXX I contacted XXXX again since my reports still showed the negative information and was told it was still being worked on and I should wait for 1 to 2 billing cycles.

To this day the account is still reporting to the credit bureaus as 30 days past due.