23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of XXXX me and my family went on vacation and stayed at XXXX XXXX  XXXX. We decided to take a promotional deal which was cheaper then regular price but had to sit in on a Timeshare orientation which was only supposed to be forty five minutes long and turned out to be about 3 hours long. while in this orientation we were told that it would be in our best interest to invest in one of the timeshares on the resort and how it would be a great financial investment for me and my family. The agent at the time was using very aggressive tactics to influence a decision to buy in. unfortunately we fell for the pitch and we were persuaded. We sat in a room and waited to sign documents for a Mortgage to purchase this Timeshare in the amount of XXXX. We were provided with an XXXX which had all of the legal documents which at times the print was very small and hard to make out. while i was trying to read through it i was assured that all was OK and that i had nothing to be concerned about. legal documents are long and confusing which i now understand are made to be that way for a person who 's not a lawyer, an really cant make the best decision. We were never told about a ten day clause which would 've allowed us enough time to get out of this contract before it was to late. We only read about that clause when we received our electronically signed documents through the mail almost two weeks later. We do n't want any money back, i just want to get out of this nightmare. I would n't want any hard working family to have to be in debt to this type of scheme. We later read that we would be paying for the maintenance fees well after the mortgage was paid off. We even found out that if me or my wife XXXX that our kids would be responsible for making the mortgage payments. that 's just not right. We are not a financially wealthy family and we can not afford to pay for this. Please help us find a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$740.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT MACYS/CBNA {$600.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$4000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX Account Number XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX still has not assisted in contacting the Credit Bureaus to report my account {$53.00} has been paid in full and account closed. 

According to the Credit Bureaus, XXXX XXXX has not contacted them to remove this negative on my report but shows that the balance is {$0.00}
Product: Checking or savings account

I have contacted Chase initially as I got scammed by a XXXX  scammer in XXXX. I have offered to provide any proofs as necessary and was advised they will contact me when they need it. 

Even thought they have my address on file and it clearly shows I am located in PST zone in WA state I received a call at XXXX XXXX  which I was obviously not awake for. I immediately return the call only to be told by advisor they had no idea about what I was contacted as the agent didn't leave any notes so just keep an eye if she calls back. 

No one called back instead my claim was suddenly denied. I was never asked proofs, never contacted again, chase failed to do any investigation as they never even requested all hard proofs I still have to this day how I was blatantly scammed by a professional scammer. 

I have contacted chase and asked to speak to a supervisor I was denied by the agent- which infringes the right as a consumer to speak to a supervisor. Further on agent opened the claim again promising to actually resolve it and get the evidence and advised me - previous agent did not fill out the claim correctly. I was appalled. Once again I trusted Chase to finally do its due diligence however once again I was scammed on this foolish belief. Only 5 days later the money was taken out of my account again. The most obscene part of this they did not even contact me, did not send any letters to advise my claim was denied. They just silently denied it. I can't believe a bank is actually functioning at this capacity when they treat their customers like this.

Chase has never helped me with a single claim and I may have filed like 3 in 10 years I've been with them. They are greedy scammers and I don't know where else to go to hold them accountable. 

I want the money to be given back and the investigation to be actually done with evidence I have and not deny my claim when I clearly was scammed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received an email that a XXXX was my new servicing provider. My XXXX XXXX XXXX XXXX XXXX XXXX has been paying XXXX for my student loans for over 6 years now. I am unsure why these loans have not been removed due to my personal information being breached by the servicing providers are passing my information around which goes against the FCRA 605B. All loans with XXXX need to be removed due to this breech.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX Inquiry 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 XXXX XXXX XXXX
Product: Debt collection

I received an alert on my credit report from a collection company. 
This collection company does not answer the phone. 
That account is not mine and is the product of fraud. 

Account name TRANSWORLD SYSTEM INCXXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2024 Status Collection account. {$700.00} past due as of XX/XX/2024. 
Status updated XX/XX/2024 Balance {$700.00} Historical info Original creditor XXXX XXXX XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, DE XXXX
Product: Money transfer, virtual currency, or money service

COINBASE - Asking for help since XXXX of XX/XX/2024 ( online Cases ) and since XXXX XXXX via XXXX Dear Sir/Madam, I am writing to seek assistance regarding an issue I have been experiencing with Coinbase, a cryptocurrency exchange platform. Despite numerous attempts to resolve this matter directly with Coinbase, I have been met with a lack of response and assistance, leaving me unable to access my funds. 

I am a verified user of Coinbase and possess a valid user ID and password. However, I have lost access to my two-factor authentication settings, which has prevented me from logging into my account. Despite reaching out to Coinbase for help over the course of several weeks/months, I have not received any meaningful assistance or resolution. 
Coinbase 's website suggests an alternative method for verification through ID verification. 

However, when attempting to complete this process, I encountered a message indicating that my country/region is no longer supported by Coinbase, further impeding my ability to regain access to my funds. 

As a result of Coinbase 's failure to provide adequate support and assistance, I find myself in a distressing situation where I am unable to access my funds. I believe this constitutes a serious breach of customer service and raises concerns about Coinbase 's adherence to consumer protection regulations. 

I kindly request the Consumer Financial Protection Bureau 's intervention to help facilitate the resolution of this matter. I seek assistance in ensuring that Coinbase fulfills its obligation to provide timely and effective support to its customers, allowing me to regain access to my funds without further delay. 

I have attached relevant documentation, including communications with Coinbase, for your reference. Your prompt attention to this matter would be greatly appreciated. 
Thank you for your attention to this urgent matter. 

I look forward to your prompt response and assistance in resolving this issue. 

Sincerely,
Product: Prepaid card

The AMEX rep told me that ecards could not be replaced with physical cards, and he told me that I should be able to use the card in exactly the way I was using it. The rep told me that if I keyed in all the info on the card or added it to XXXX or XXXX XXXX, I should be able to redeem the card online or in person. He could give me no specific vendors who have ever accepted one of these XXXX  I've tried to use this prepaid XXXX at least 12 times, directlry and through my XXXX wallet. Absolutely no one will accept this card. It rejects from major online retailers and in stores. The card also reflects pending transactions related to rejected charges for several days, so the balance is artificially decreased even though the sales have been cancelled on the vendors ' side.
Product: Credit reporting or other personal consumer reports

" SEE ATTACHED DISPUTE LETTERS SENT TO THE CREDIT BUREAUS SINCE XX/XX/year> '' AND THE DISPUTES ARE NOT WORKED. 

I WANT THESE NEGATIVE ITEMS DELETED
Product: Credit card or prepaid card

After reviewing my credit report i saw that I had a late payment for  XXXX  of  XXXX  and for  XXXX   XXXX  on my account. My bank account was drained after someone stole my debit card number and made a number of erroneous purchases online. When i submitted my chase payment for the month it was declined because of the erroneous purchases. I paid chase immediately when i became aware of the situation. I asked if this would report negatively on my credit report and they stated they were unsure at the time. After reviewing my credit report I saw that it had indeed been reported as a 30 day late, and also as 60 days late for  XXXX   XXXX  I contac ted chase and requested that they remove the late payment because I had never been late before, nor have i ever been late again. They told me they would not remove the late payment. I believe that Chase is acting UNREASONABLY, as i have ha d the account since  XXXX  and have never been late before and this was clearly an isolated incident outside of my control. As a result of the late payment my account was also closed.
Product: Checking or savings account

Today, XX/XX/year>, at approximately XXXXXXXX XXXX, I visited the M & T Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX, to deposit cash. During the transaction, the teller unexpectedly asked for my Social Security Number, despite me being an existing account holder. I declined to provide it, as the request seemed unnecessary. When the teller returned my money, I noticed that {$100.00} was missing. 
Initially, the teller denied that there was any mistake when I pointed out the discrepancy. However, after further insistence, they checked their cash drawer and confirmed they had an extra {$100.00}. While the issue was eventually resolved, the teller 's initial denial and handling of the situation left me feeling uneasy and concerned about their conduct. 
I believe this matter requires review, as the teller 's response and actions were not appropriate for a bank setting. Please investigate this incident and ensure better accuracy and professionalism in the future. I would appreciate a follow-up on the outcome
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX XXXX credit card services to dispute/settle the collection account reported on XX/XX/XXXX and was informed that the account had been forwarded to XXXX XXXX XXXX Collection agency and that XXXX was no longer handling the account and all collection activity would be handled by XXXX XXXX XXXX XXXX Between XXXX through XXXX, I never received any correspondence from XXXX XXXX advising of the charge off, considering that the creditor had my current address, at which I resided for the last 12 years. I then contacted XXXX XXXX XXXX and attempted to negotiate the payment for the collection/charge-off account and requested that upon payment- the account to be reported as settled and paid however I was informed that all collection reporting to the credit bureaus was being done by the original creditor- XXXX  and that paying the account would not guarantee an update on information reflected on all the credit reporting bureaus. I then contacted XXXX again in order to discuss the above and was informed that they were not able to assist further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that this account XXXXXXXX XXXX XXXX, is reporting as a collections account, but reporting as open with Transunion, and XXXX, this is a violation of the FCRA. I have not received any notifications regarding this disputed account.
Product: Debt collection

I contacted Ocwen today regarding the conflicting status on the account and was placed on hold for a long period of time. I was later told that because we were working with our relationship manager that I had to call another number. The number provided was the number to the Office of the Ombudsman. This office took our information and placed my wife on hold later coming back and stated that we had to Contact XXXX XXXX because there was nothing they could do even after telling us the day before that there was not active sale, but today stating that there was a sale on Friday XXXX XXXX, 2016. When XXXX XXXX was contacted via email, counsel said that because 1 year ago, we had said that we were not interested in a modification, that modification chances were off and the sale would be held on XXXX XXXX, 2016. An email was sent back stating that we were interested in a modification. The attorney came back and said no to the opportunity for a modification and said that any future communication concerning the matter must be directed to him ( cutting off any contact to our relationship manager, Owen 's Office of the Ombudsman and Customer Care ), just one day after the Relationship manager said that there was no sale pending and that modification assistance was available.
Product: Credit card or prepaid card

Ally is unable to take a report of an error on their website. I signed up for a new credit card and was able to activate it and not able to enroll in online banking. When I did call on XX/XX/2023 to get help enrolling in online banking, the customer service representative told me there is no way for her to report a problem with the website. There was no solution for enrolling me in online banking and I closed the account. Ally bank is not able to provide successful website operations and that is XXXX of the advertised offerings of their credit card. The customer service representative was rude and passive and made rude XXXX comments about the deep sound of my voice and said that my deep voice meant " XXXX XXXX '' to her.
Product: Credit reporting, credit repair services, or other personal consumer reports

think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like wells Fargo to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXX/XX/XXXXXXXX Date of Inquiry XX/XX/XXXXXX/XX/XXXX Date of Inquiry XX/XX/XXXXXX/XX/XXXX Date of Inquiry XX/XX/XXXXXX/XX/XXXXDate of Inquiry XX/XX/XXXXXX/XX/XXXXDate of Inquiry XX/XX/XXXXXX/XX/XXXX Date of Inquiry XX/XX/XXXXXX/XX/XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXXXX/XX/XXXX Date of Inquiry XX/XX/XXXXXX/XX/XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I got a ding on my credit report from the XXXX bureaus of a debt collection from Midwest Recovery Systems. I do not know the company and I did not get any notice before they put a collection on my credit report. I do not do payday loan.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX TransUnion LLC Consumer Dispute Center TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Re : Removal of 30-day late & negative remark XXXX XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX  ) account ending in XXXX. 

Re : Removal of 30-day late & negative remark ( s ) from credit file/report ( i.e. XXXX, Transunion., XXXX XXXX regarding XXXX XXXX  XXXX XXXX XXXX XXXX ) account ending in XXXX. 

Re : Adjustment of credit score ( s ) based on the removal of 30-day late & negative remark ( s ) from XXXX XXXX  XXXX XXXX XXXX XXXX ) credit file/report ( XXXX XXXX XXXX, Transunion., XXXX XXXX. 

To whom it XXXX concern, Due to unfortunate events, I mistakenly missed payment for XX/XX/XXXX, regarding my XXXX XXXX  ( XXXX XXXX XXXX  ) account XXXX XXXX XXXX. This is the XXXX time this incident has occurred. On XX/XX/XXXX, a 30-day delinquent notification was applied to my account. ( see attached Experian Report- Exhibit A ). The XXXX delinquent notification was reported to all XXXX credit bureaus XXXX, Transunion., XXXX. As a result, my 3-credit scores dropped by XXXX points. 

My account has always been in good standing ( see attached XXXX Report-Exhibit B ). 
Because my account has always been in good standing, as a one-time courtesy and in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), I would like to request the following : a.Removal of 30-day late & negative remark ( XXXX ) from XXXX XXXX  XXXX XXXX XXXX XXXX ) account ending in XXXX XXXX 

b.Removal of 30-day late & negative remark ( s ) from credit file/report ( i.e. XXXX, Transunion., XXXX XXXX regarding XXXX XXXX  XXXX XXXX XXXX XXXX ) account ending XXXX XXXX. 

c.Adjustment of credit score ( s ) based on the removal of 30-day late & negative remark ( s ) from XXXX XXXX  XXXX XXXX XXXX XXXX ) credit file/report ( XXXX XXXX XXXX, Transunion., XXXX XXXX. 

Hopefully you will be able to extend this one-time courtesy. 

Respectfully XXXX XXXX
Product: Credit reporting or other personal consumer reports

fraudulent account on my credit profile from XXXX Opened XX/XX/2023 fraudulent inquries also on credit profile. 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: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1300.00}
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, date of last payment is inaccurate, past due amount is inaccurate, account type inaccurate. This ground for removal they also violated my rights under 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 .I send to them a dispute to verify it which they said it accurate which was not and they illegally change all the information soon as I send them the inaccuracy. Which by the laws should be deleted. The company should be charge for those illegals activities, I'm sure many people are victims by those illegal activities.THEY violating the credit reporting laws. WHich they violating the laws in front of all the XXXX credit bureaus and they still gave them the power to remain on my credit report which is unfair.
Product: Mortgage

I recently submitted a complaint in regards to late payments reported on my credit after a XXXX modification. I have since received notification the late payments would be removed which we are thankful for. Now I check my credit and the BB & T mortgage which should be our current mortgage provider is now marked as closed and the late payments are still showing. The XXXX mortgage has been closed and the late payments removed-this is accurate. Then there is a XXXX XXXX Mortgage showing Open-Current, but also has the late payments. Can you assist me with fixing this. thank you