23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have requested a COVID forbearance three times within the past month and I never heard back from them. They also do not take phone calls regarding a forbearance request. I have the confirmation emails for all. They say they will be in contact in 3-5 business days, and that has not happened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is fraudulently reporting a credit card debt and delinquencies to my credit profile. XXXX XXXX has been found guilty for deceptive and predatory practices, including reporting inaccurate account information to the two major CRAs, XXXX and Equifax. There is a XXXX XXXX account that MUST BE REMOVED from my credit profile immediately! My request to block is not being made in error ; nor is my request being made on the basis of misrepresented material facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me, as the consumer. It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading, or factually invalidated information. I have been made aware of the following accounts that can not be verified and it must be immediately BLOCKED and DELETED from my credit profile. I have completed and filed an FTC IDENTITY REPORT and attached the document to the complaint filed and delivered via CFPB communication portal to the 2 CRAs, XXXX and EQUIFAX. 

XXXX XXXX XXXX Credit limit {$300.00} XX/XX/2XXXX XXXX
Product: Debt collection

* Charged for services that were not being used by XXXX XXXX XXXX Attempted to contact XXXX to cancel an account which ( " They could not find '' ) in Early XXXX, XXXX XXXX claims they cant find the account The account was no longer in use after XX/XX/XXXX A payment was made on the XX/XX/XXXX that paid up-to-date the account prior to starting XXXX XXXX service The Account was closed in XX/XX/XXXX XXXX refuse to recognize service members XXXX XXXX service to credit account ( ADOS starts XX/XX/XXXX and ends on XX/XX/XXXX ) XXXX Failed to properly handle the account, refused to recognize previous attempts to close the account and sent for collection an amount of roughly {$280.00}, to include late fees, continued billing through XX/XX/XXXX XXXX
Product: Consumer Loan

I was responding to UAC regarding an email that I received in XX/XX/XXXX regarding a consent order sent to me by email from the CFPB about this company reporting incorrectly to the credit bureaus. I had a lot of problems with them when I was a customer so naturally I wanted to check to make sure my credit reflected correct information. I was advised if already pulled credit report from annual credit report.com and still wanted a copy that we were entitled to one from XXXX and could request it by calling UAC. I did that in on XXXX/XXXX/XXXX and spoke with a woman who had no idea what was going on but took my request to the credit department and was told would mail it and they took my new address. That was two months ago and I have yet to receive any credit report from them. I then called UAC today XXXX/XXXX/XXXX and spoke to a XXXX XXXX who was incredibly rude he must have interrupted me 5 times during the conversation and was very argumentative. He had the nerve to tell me that it did n't really apply to me because I have n't done business with them in two years when the email I got about it in XX/XX/XXXX which provided additional information specifically said that it involved accounts that were before XX/XX/XXXX so it definatly concerned me. Then when I basically told him to stop arguing with me and put in my request he took down my new address and married name and said would request my credit report. Then a little while later he called me back to tell me that I was wrong and that they are not sending customer 's credit reports but that is what it says in both emails that I received I was treated with incredible rudeness by this customer service representative ony to have him back off multiple times and say he 's just trying to help me I want to know that my information is correct and I want it taken care of as stated by UAC I have not been a customer of theirs for awhile and I would never be again. Every conversation I ever had with those people the whole time I had a loan was disgusting rudeness I was given a loan modification once to help me out and they failed to let me know at the modifcatin that they were raising my interest rate I think they raised it to like a disgusting 24 or 29 % I had a terrible experience with this company and to call back later with a fully paid off account only to be treated like XXXX again is truly annoying.
Product: Money transfer, virtual currency, or money service

Good day, My situation stands as such. I invest heavily in cryptocurrencies through an exchange called XXXX, owned by a U.S. based company called Coinbase, located in XXXX XXXX California. In early XX/XX/XXXX, Coinbase froze my investment account with all of my funds still in it. They did not offer a reason nor contact me in any way regarding this issue. When I attempted to log into my account I was told to contact Coinbase customer support. I immediately did so and was told that my account was frozen " pending review from a specialist ''. 

It has now been over 30 days since my account has been locked. I am unable to trade, I have no way of knowing if my funds are, in fact, still in my account and despite having called and emailed Coinbase on several occasion I have been given no time frame and still no reason why my account was frozen to begin with. Their answers have been incredibly generic and always basically repeats the same message, that a specialist is reviewing my account and I will be contacted when they have completed their review. 

My goal in filing this complaint is twofold. First, I'm looking to have Coinbase give me back my account ( which I will promptly close, transferring my funds to a safer exchange ), and second I would like to know if what they did was legal. Is it legal for a trading platform to hold a person 's capital for over 30 days without giving any clear reason as to why? 

thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

This constitutes an Official Notice in accordance with the Fair Debt Collection Practices Act and the Truth In Lending Act, that I hereby Dispute the debt in the above referenced account. 

It has come to my attention that there may have been some accounting irregularities in this account, which have adversely affected me. In reviewing the account it has come to my attention that fraud and/or other violations of public policy may have occurred in the operation of this account, therefore, I will be conducting discovery to determine the true facts in this matter. This constitutes the exhaustion of my administrative remedy, in accordance with the Administrative Procedures Act, as concerns the above referenced matter. 

This discovery process has been presented under Notarial Seal for the purpose of certifying the admissions, confessions and stipulations of the Parties, to create a public record thereof, via the issue and filing of an Administrative Declaratory Judgment, by Notarial Protest. Said Administrative Declaratory Judgment is issued under statutory authority and under the authority of the Secretary of State, acting as an agent of the Department of State, and carries the power and authority as if issued by the highest court in the land. Said Judgment constitutes res judicata, star decisis, collateral estoppel and judgment by estoppel. 

Please take note that this discovery process has been served under Notarial Seal and valid subpoena establishing your mandatory obligation to timely respond and/or rebut the following, point by point and line by line, verified true, correct and complete, signed, sworn to and notarized in affidavit form and to provide certified copies of the requested documentation. 

Please respond and/or rebut the following points in the attached affidavits and documents, point-by-point and line-by-line, in affidavit form, and provide documentary evidence to support your claim.
Product: Debt collection

I pulled my credit reports and noticed this organization reporting on my credit reports. My first initial communication with NCB Management was a certified debt validation letter w/ tracking numbers XXXX ( that was delivered XX/XX/2021 ). I never received an response from NCB MANAGEMENT. I called them up on XX/XX/2021 and was told they responded to me through email. I never received an email from NCB Management regarding this account. I then requested for them to respond to that letter through USPS mail and was then given the run around and asked numerous of questions as to why I want this information. The rep was super rude and didn't help me at all.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.
Product: Student loan

Discover Student Loans has misreported or duplicated hard inquiries to XXXX causing an error on my credit report. A hard inquiry was reported on both XX/XX/XXXX and XX/XX/XXXX by " XXXX XXXX XXXX ''. I requested that they please correct this mis-reporting as there is no reason for there to be hard inquiries run on consecutive days and this impacts my credit score. 

XX/XX/XXXX : Initially reported to Discover via online account message system. 
XX/XX/XXXX : Received feedback from DSL that they do not show the two hard inquires reported. They required a copy of my credit report. 
XX/XX/XXXX : Provided screen shot of data on credit report as requested, via XXXX. 
XX/XX/XXXX : Received response that they have received the provided document. 
XX/XX/XXXX : Requested status update. 
XX/XX/XXXX : Received response that additional time was required to review the issue. 
XX/XX/XXXX : Requested status update. 
XX/XX/XXXX : Received response that additional time was required to review the issue. 
XX/XX/XXXX : Requested status update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Transunion online regarding an inaccuracy on my credit report XX/XX/XXXX. I have not to date received any result or response regarding the status of this dispute. I contacted Transunion by phone XX/XX/XXXX regarding having this information removed as I verified online the dispute was not complete. I spoke with two representatives, the first which said she was not authorized to remove the information. I then requested to speak with someone who was better able to assist me. The second representative " XXXX XXXX '' stated the dispute was completed XX/XX/XXXX and was mailed. However, this information contradicts what the first representative stated saying she could not update the report due to the dispute not being completed in time. I then asked Ms . XXXX why the dispute status was not updated online and she could not say. I also requested she email me proof of the completed dispute dated XX/XX/XXXX in which she said she could not do either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my Transunion credit report that I did not apply for or authorize. I have put a freeze & fraud alert on my credit report but was told to contact the Federal Trade Commission to have the following inquiries removed : XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I received, by mail, a letter advising me of my " pre-qualified '' loan for {$7500.00}. '' - " To guarantee you pre-qualified status, be sure to request your money before XX/XX/2018. I applied using the appropriate " Pre-Qualified Code '' before the XXXX date as described in letter and was denied credit. 

I would consider this a UDAAP violation as is misrepresents the pre-qualified status and if anyone else experiences similar notification and denial would consider this a class action. I have a copy of the letter should you care to review.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate information with the listed account DEPTEDXXXX Account # : XXXX. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I am reporting inaccurate and incomplete information regarding several XXXX XXXX XXXX on my credit report. The Department of EducationXXXX XXXX were closed and transferred in XX/XX/XXXX, yet they lack essential details such as payment history, last payment received, and specific servicer information. 

These accounts were reported with only basic details ( open date, original balance, and account type ), but crucial information is missing. Despite my previous dispute with the credit bureaus on XX/XX/XXXX, they were marked as verified without providing the missing details necessary for complete reporting. 

Under the Fair Credit Reporting Act ( FCRA ), credit information should be accurate, complete, and verifiable. I am requesting that these accounts be properly verified with all necessary information or removed from my credit report if verification can not be provided. The credit bureaus should have removed these accounts if they could not verify them fully. 

I am seeking assistance from the CFPB to ensure that the credit reporting agencies and the original creditor comply with FCRA regulations by either providing complete information or removing the accounts entirely. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spend nearly a week with XXXX  on the phone discussing incorrect information on my report. The reps barely speak English and the hold times are outrages. I have medical bills that should not be on my credit report due to me the patient had Insurance. I have been a XXXX XXXX XXXX since 26 years. Unbelievable that I have no control and they can ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing today because I am shock how poor attention and lack of investigation Experian and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : XXXX  Account # XXXX The first error is the last verified date XXXX is reporting XX/XX/XXXX and Experian does not show a reporting date. 

The second error is the date of the last activity XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX. 

The third error is date open XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX. 

The fourth error is the closed date XXXX is reporting XX/XX/XXXX and Experian is not reporting a closing date. 

The fifth error is the payment status XXXX is reporting late 120 days and Experian is reporting Unknown. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G.
Product: Credit reporting or other personal consumer reports

Hi, I'm trying to dispute these because I have already contacted the agencies on the date of XX/XX/year>. I have sent them a letter but they have stated that they can't remove it because it's been verified. However, I need to have these removed because of the law.
Product: Credit reporting or other personal consumer reports

Ive been writing your company for numerous months. By listing these accounts in this dispute they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. 

This is my last request ; I have also submitted a copy of this letter to the Federal Trade Commission, alerting them that I have signed receipts for letters delivered to you
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX report states that I have an account in collections with Midwest Recovery Systems LLC for XXXX XXXX for an open date of XXXX XXXX XXXX for the amount of {$710.00}. 

When the item first showed up on my credit report I disputed with the collection company. When I received no response I then sent an email to XXXX XXXX. Again, no response. I most recently had spoken to an XXXX member in XXXX of this year about the account because I had at this point been filing for a loan with XXXX XXXX which couldnt be approved because, for some reason XXXX couldnt give me, I could not file a direct dispute with them online and I was told all of the information XXXX has for my file is outdated. I have been trying to get in touch with someone from that end to update my file. Even after going through their rigorous game of 60 questions and proving my identity. 

I have never had an account with XXXX XXXX. 

I had never received any letters from them nor from Midwest Recovery about any supposed debt. 

And I most certainly did not receive any notice that any such debt would be placed on my credit file. 

I want this gone. I do have genuine debts that do belong to me and that is bad enough as it is.
Product: Mortgage

I have had a very difficult time with Nationstar I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Nationstar always seemed to lose my paperwork, which I constantly had to re-fax. I was originally with XXXX XXXX XXXX and was in the middle of the loan modification getting approved. It was sold to Nationstar, and they never honored the modification. I had to start all over and Nationstar never tried to help with the modification.
Product: Credit reporting or other personal consumer reports

I have already sent in a letter requesting proof of this alleged debt. Please be advised that proper documentation is not a printout or bill from you. I would like you to send me a signed copy of the contract signed by me where I agreed that I owed alleged debt to you. I am requesting the following as well : copy of the purchase agreement from the original creditor, the cancellation of debt from original creditor, copy of the chain of title, verify what was the last payment on the account that you say I owe you, and can you verify if there is any judgement on alleged account and if so has that statute of limitations expired. 

I have already sent in a letter requesting proof of this alleged debt. Please be advised that proper documentation is not a printout or bill from you. I would like you to send me a signed copy of the contract signed by me where I agreed that I owed alleged debt to you. I am requesting the following as well : copy of the purchase agreement from the original creditor, the cancellation of debt from original creditor, copy of the chain of title, verify what was the last payment on the account that you say I owe you, and can you verify if there is any judgement on alleged account and if so has that statute of limitations expired. 

I have already sent in a letter requesting proof of this alleged debt. This debt has been improperly reported to Credit Reporting agencies. This debt is showing charged off every month since XX/XX/year>. The account can be charged-off only be charged off and by reporting it each month charged off with balance it is be reported incorrectly to credit bureaus. I am also requesting that this debit be removed not just because it has been improperly reported, but also showing charge off, so this debit has been written off on company taxes as profit loss and has thus been paid in full. I also never received my 1099-C. IF i am wrong please provide documentation that 1099-C was sent.as required by law.
Product: Money transfer, virtual currency, or money service

I've been offered a job as XXXX XXXX XXXX XXXX by a so-called XXXX XXXX XXXX XXXX XXXX XXXX ( it turns out he isn't from that company ). To get the job I had to get a XXXX XXXX since I'm XXXX  and he told me to get in touch with XXXX XXXX ' at this adress : XXXX. I was told I had to pay XXXX  fees for the application process and that the money would be refunded no matter what. I had to make payments instalments for the amount since I didn't have the. amount. I've been given receipts from USCIS and Us Department of Homeland Security for the first two payments,. After I made the last payment, I didn't get any news for 2 weeks. Then I got an email to tell me I would have an interview at the XXXX  if I pay around {$2000.00} for documents that concerned the company and that I had 3 days to pay it all. I therefore reach out XXXX XXXX XXXX, the real company, and I was then told that they are aware of individuals posing as XXXX XXXX  and have made the necessary parties aware. I filed a complaint in XXXX and ask my bank to reach out the banks involved to ask for a refunds of funds, which has been denied. 
I made the following payments : XXXX Transfers : - XX/XX/year> : {$780.00}, - XX/XX/year> : {$1000.00}, - XX/XX/year> : {$1400.00}, - XX/XX/year> : {$980.00} XXXX : {$1000.00}, - XX/XX/year> : XXXX XXXX XXXX XXXX Transfer : XXXXXX/XX/year> XXXX {$980.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown item on my credit report. To this day over 3 months later, this collection has not been removed. The collection agency FCO, is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. I do not validate this debt. I asked Equifax to remove it immediately and they failed to do so.