23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We paid off a coop mortgage loan in XXXX, but Mr Cooper still has not terminated the state UCC 4 years later. Their employee XXXX XXXX said to contact her directly in a letter dated XX/XX/XXXX. So, my attorney sent her a letter on XX/XX/XXXX, she did not respond. Then, my attorney followed up with her again 2 weeks later, and still got no response. I called her, left voice messages, emailed her numerous times, including XX/XX/XXXX and XX/XX/XXXX of this year. Four years have passed, her failure to respond has prevented us from selling the property. This is extremely poor customer service, especially she is a Customer Relations Specialist, and is in violation of the law to terminate UCC in a timely fashion after the loan is satisfied.
Product: Money transfer, virtual currency, or money service

Coinbase is refusing to allow me to withdraw my money in the cash portion of my account. They claim they need to verify my account. However, they don't need to verify my account when I'm paying them their fees, so that's a double standard.
Product: Debt collection

On  XXXX / XXXX /  XXXX   I contacte d Ability Recovery Services LLC. in a n attempt to settle a debt that was outstanding on my credit report. When I called the first time I spoke with a gentleman that offered me a 15 % discount off of the original amount owing. I informed him that I was unable to pay that amount and asked if there was any better offer he could come up with. He informed me that the best he could offer was the 15 %. That ended our conversation. Less tha n 5 minute s after the original conversation ended I was called b y Ability Recovery Services LLC.   and spoke to a female representative. She informed me that the original person I had spoken with was not the account manager on this particular account, and that she was authorized to make me a 50 % discounted settlement on the account. At that point I informed her that I could make that payment as soon as I received a letter stating the terms of our agreement. She informed me that she was located in Pennsylvania and that " preemptive letters '' were illegal in that State. I told her I would figure some things out and get back to her, and our call ended. On  XXXX / XXXX /  XXXX   I was called on my cellular phone b y Ability Recovery Services LLC. bu t was unable to answer because I was at work. On  XXXX / XXXX /  XXXX   I called again. I was run through a recorded prompt. I talked to the same female as previously and asked again for a settlement letter. Once again the female representative explained that they do not send out " preemptive letters '' and that I was on a recorded line and that was good enough. I explained that I would not be making any payments until I received a settlement offer in writing. She said she would send me a bill and that is where the conversation ended. On  XXXX / XXXX /  XXXX   I call ed Ability Recover Services Again, Talked to   the same representative again and was once again told that they will not send preemptive letters out, and that in fact it was illegal for them to do so. At that time our conversation was over
Product: Debt collection

On XX/XX/2022, I moved out of the XXXX XXXX Apartment complex in XXXX Florida. On XX/XX/2022 ( time stamp attatched ), I received a letter of intention to impose a claim on my security deposit for roughly XXXX dollars ( attatched ). First off all this debt was extreme, and the apartment has failed to verify it, but thats besides the point. The letter specifically stated that I had 15 days from the receipt of the letter to respond, or else they would be authorized to make a claim. Not even a week later, on XX/XX/2022 I received a phone call from a collection agency ( call log attatched ), Southern Management Systems in XXXX, saying that the debt has been sent to collections. XXXX XXXX failed to give me the 15 days to respond, and so based on their own literature was NOT authorized to send me to a collection agency or even to collect the debt in general. Even if this debt was legitimate ( which theyve yet to verify ), I was not given a chance to pay anything even if I wanted to. No invoice was sent, just the letter. I am filing this complaint because XXXX XXXX prematurely sent me to collections, and exercised unfair credit practices.
Product: Debt collection

I have been contacted again for a account by consumer cellular that was discharged in bankruptcy, consumer cellular first reported the account to professional credit and now I have been contacted by IC Systems Inc, The state attorney Generals office Oregon was contacted and the company was supposed to stop trying to collect this debt because of the bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2013, my identity was stolen, the following year my taxes were filled with the stolen information which I was then alerted. Since then I have disputed a deposit account, a `vacation mortgage, and auto loan on my report with XXXX  and requested that they block the information from my credit report, I've requested the physical evidence from their investigation, and reached out to the actual lenders to furnish this information as well as providing my identification, all police reports, id theft affidavit, a copy of my letter from the IRS stating my social was used fraudulently. I always receive a generic response without evidence of an actual investigation by a human took place.
Product: Debt collection

DATE : XX/XX/year>, AMOUNT : {$7500.00} ACTION : Called XXXX XXXX XXXX XXXX to speak with an agent and nobody answered or responded to my letters and voicemails for months I sent letters to XXXX XXXX XXXX, XXXX, XXXX XXXX and the letters came back. 

In accordance of the fair credit reporting act XXXX XXXX XXXX creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furish an account without my written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open credit plan as late for any purpose.
Product: Debt collection

Discovered this account on my credit report. I have never done business with this company or the company they are allegedly collecting for. I never received any type of communication from them. This account just popped up on my credit report. I sent a debt validation letter. I never received a response to my letter. It has been well over 60 days. How am I supposed to rectify the account if I don't know what it is? I want this account removed immediately from my credit report.
Product: Debt collection

This is a workers compensation case when I got hurt on the job. I have hired a lawyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to represent me on my workers compensation case.. This is a bill from the emergency room on XX/XX/2022. I am waiting for a hearing date
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acct # XXXX {$7600.00} ; XXXX XXXX XXXX  XXXX acct # XXXX formerly XXXX XXXX acct # XXXX {$2100.00}, illegally pulled my credit report on XX/XX/XXXX, with my signature or the fact that I applied for a loan with their company ; XXXX XXXX acct # XXXX sold to XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX {$3400.00} ; XXXX acct # XXXX {$170.00} ; XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX {$1800.00} ; XXXX XXXX XXXX XXXX acct # XXXX {$3800.00} ; {$25000.00} ; {$13000.00} ; {$9500.00} ; {$4800.00} ; {$9100.00} ; {$2800.00} ; {$5000.00} ; {$240.00} ; {$5700.00} ; {$2700.00} ; {$25000.00} ; {$24000.00}. After submitting my complaint with CFPB, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX submitted they deleted these accounts. I have provided police reports, proof of identification, proof of address, and copies of credit reports showing that these accounts were deleted. Every 30 days they allow these companies to return under a different company, account number, with the same information.
Product: Credit reporting or other personal consumer reports

Begininning in XX/XX/year>, XXXX XXXXXXXX XXXX XXXX began reporting me as 30 days late, ( 60 days late in XXXX, 90 days late in XXXX, And Charged off every month since ) I had NO participation these charges were made against my credit card account WITHOUT my knowledge, authorization, or participation of ANY kind. They are the result of IDENTITY THEFT. I have already once submitted a CFPB complaint, along with my FTC identity theft report, and valid identification, however I have been refused my rights as afforded to me by the FAIR CREDIT REPORTING ACT. This is now my 2nd attempt, after more then a month has passed since the first, with no action taken by the companies involved ( XXXX, XXXX, Transunion, XXXX ). I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. ( SEE XXXX ) I DEMAND that this FRAUDULENT use of my credit cards, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this credit card account be BLOCKED within 4 business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. I have attached a POLICE REPORT with XXXX XXXX XXXX, in regards to the fraudulent use of said credit card. The Account number for the XXXX XXXXXXXX XXXX XXXX credit card I am referring to is : ( ACCOUNT NUMBER XXXX - XXXXXXXX XXXX  ). This will be my last attempt before I pursue litigation if my rights are continuously violated. Thank you.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 6802 ( C ) - ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX the consumer was not given an explanation of how the consumer can exercise that nondisclosure option to opt out of disclosing information to third party non affiliates which is a violation of this law. Your credit bureau is a non affiliate third party and I am opting out of reporting of the accounts below. 

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

To whom it may concern : Hello, my name is XXXX XXXX, I would like to complain about the money transfer from the Bank of America. 

The money was sent from XXXX bank in XXXX to the XXXX XXXXXXXX XXXX XXXX XXXX XXXX through the Bank of America as a correspondent bank  on XX/XX/2022, XXXX XXXX USD Reference XXXX  number is XXXX, TRANSACTION Bank of America REFERENCE NUMBER is XXXX SWIFT XXXX code : XXXX I have called the bank several times ( the attachments are included ) and send lots of e-mails using this info XXXX XXXX BOFA wire transfers dept XXXX XXXX XXXX XXXX Sanctions Team XXXX ext. XXXX XXXX Bofa compliance department XXXX ext. XXXX - nobody could assist, the answer is the same - as I am not the Bank of America account holder they cant help me, but BOFA hasnt answered my banks requests from XX/XX/XXXX th, 2022. 

The money and the source of income were checked in XXXX by XXXX security. 

The Bank of America asked an English version of the sales agreement, because the XXXX  one was not enough for them, the additional agreement was sent as well to the BOFA with all the necessary signatures and stamps very fast. 

All the previous transactions to the Turkish construction company was done properly and fast through XXXX XXXX. 

This is the first time I experience this situation, that without any reasons the Bank of America is keeping my money. The construction company is charging me penalty for each day of not paying, therefore I had to claim to CFPB, the registered number of my complaint is XXXX SUBMITTED ON XXXX https : //www.consumerfinance.gov/complaint/, XXXX XXXX Resolution XXXX XXXX XXXX  Bank of America XXXX XXXX XXXX XXXX XXXX XXXX doesnt reply, all my phones calls go directly to his voicemail. 

Best wishes, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I HAD VENMO FOR YEARS. I TRANSFERRED {$7400.00} TO MY BANK ACCOUNT, VENMO STATED I SHOULD HAVE RECIEVED THE FUNDS THE NEXT BUSINESS DAY WHICH I DID NOT. VENMO FROZE MY ACCOUNT WITHOUT WARNING, THEN LATER THE SAME DAY CLOSED THE ACCOUNT WITH NO WAY OF ME RETAINING MY FUNDS. 

HOLDING MY FUNDS FOR NO LEGIT REASON OTHER THAN THEIR OWN FINANCIAL GAINS. AS IT STATES IN VENMOS 'TOS ' THEY CAN USE MY FUNDS TO TRADE AND GAIN INTEREST WHICH IAM NOT ENTITLED TO RECIVED ''. TO ME THATS AN INCENTIVE FOR VENMO TO FREEZE MY ACCOUNT AND OTHERS SO THAT THEY CAN PROFIT AND CAPITALIZE WITH NO REGARDS TO THE ACCOUNT HOLDER I CAN NOT ENDURE AFFORD FOR VENMO/PAYPAL TO PROFIT OFF MY FUNDS BY TRADING/CAPITALIZING. WHILE I SIT HERE IN A FINANCIAL PURGATORY THIS ISNT HOW CUSTOMERS ARE SUPPOSED TO BE TREATED IN A DIRE TIME LIKE THIS.

INFLATION IS UP, COVID-19 IS UP, PEOPLE ARE STRUGGLING GLOBALLY. I WOULD LIKE MY FUNDS RELEASED PLEASE ASAP. AMOUNT : {$7400.00},,,,, IAM REQUESTING MY FUNDS RELEASED IMMEDIATELY TO PREVENT FURTHER LEGAL ACTION. SUBJECT TO ARBITRATION
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I requested Transunion provide me with the method of verification for the accounts with XXXX XXXX XXXX XXXX # XXXX, # XXXX. All Transunion did was send results saying they updated the account. They never provided me with the method of verification showing how they have the right to report this account 100 % legally. 

I even reached out to XXXX XXXX XXXX XXXX regarding both accounts and requested a contract with my signature and documents to ensure the information is being reported 100 % legally and accurately. XXXX XXXX XXXX XXXX did not provide me with anything. Clearly they didnt have anything to verify the debt. So how was Transunion able to verify the debt. Well they did not. They are violating the FCRA by continuing to reporting unverified accounts.
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA XXXX this information must be blocked immediately until the investigation is over. Since XXXX business days from receipt of this communication allotted under the XXXX XXXX to block these entries, it should be understood that failure to do so within a XXXX business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA XXXX XXXX XXXX ( XXXX ) ( A ) ).
Product: Debt collection

XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX filed for collection of fictitious loan under identity theft in XX/XX/XXXX and there was collection of over XXXX of fraudulent lien filed against my property in XX/XX/XXXX by Ghidotti and Berger on behalf of fraud. I filed further complaints and showed CFBP filed action against XXXX XXXX  for conspiracy to fraud unsuspecting victims with identity theft fraud loan schemes. 

On XX/XX/XXXX the CFPB filed action, orders and enforcement with injunctions against XXXX XXXX  and XXXX XXXX and Ghidotti and Berger law firms have obstructed justice by ignoring orders under racketeering and organized financial crimes after the fact and as accessory to XXXX XXXX  facilitation of fraud, with stipulated agreements to refrain from any collecting from victims of fictitious loan scheme. I reported back to CFPB and the company denied they were correct company to contact in fraudulent misrepresentations after the fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 different accounts on all 3 credit bureau reports that are all incorrect. I have recently sent a dispute to XXXX and I'm waiting on results. When I looked at my XXXX  report the accounts are present, but they did not show up when I tried to complete a dispute with XXXX. The problem I'm having is with XXXX. I attempted to dispute these same 3 accounts and I was told that because I have tried to dispute these years ago, I can not dispute them again. XXXX  has not shown me any documentation that states these accounts are correct. What else can I do to have these accounts removed? I have no contract ( and never have had any ) with either of the companies. I am currently working with XXXX XXXX in which they have sent out several letters on my behalf only to get no response.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities. 

Collection/Charge Off : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX, MI XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Employers : XXXX XXXX Employers : XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXXredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX Balance : {$11000.00} ; LXXXX XXXX XXXXriginal Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Home Depot credit card open fraudulently in my name
Product: Checking or savings account

I opened a checking account with Wells Fargo. On XX/XX/XXXX I deposited {$500.00} into that account via online transfer. The {$500.00} originated from my other checking account with XXXX XXXX XXXX XXXX. The XXXX transfer was initiated by Wells Fargo and was a non-pending, finalized transaction. On XX/XX/XXXX I closed that Wells Fargo account. ( I realized I was not eligible for the new checking customer bonus and thus closed it ). When I closed it over the phone with Wells Fargo I was told any money on its way into my account will bounce back to the original bank ( XXXX ). I continued to call in to Wells Fargo every other day for about 2 weeks because the money never returned to XXXX. I did not make headway over the phone. In the meantime I had XXXX XXXX conduct a research claim which confirmed the transactions history - that it was initiated by WF, was not returned, and was finalized. On XX/XX/XXXX, almost a month later, I met in person with XXXX XXXX of Wells Fargo ( XXXX, PA branch ) bringing the research from XXXX with me. In that meeting she was able to confirm the money was within WF but did not know where and paired me with an executive ( XXXX. Last name unknown ). I was unable to get a hold of XXXX repeatedly for over a week and my claim went nowhere. At this time I decided to file with the XXXX XXXX XXXX ( complaint # XXXX ) and have XXXX initiate a legal claim ( currently being processed ). I received in the mail a notice XXXX closed my case without any explanation. I was then paired with a new WF executive XXXX XXXX who called to tell me there is no way Wells Fargo has my money. She said this without having seen any of the data collected by the XXXX branch. I emailed that data to her during our call. She stated she would look it over and ended our call. I have not heard from her or had any subsequent emails requesting follow up replied to. 

I am a XXXX XXXX XXXX XXXX. I am a XXXX XXXX household supporting my husband through his final year of medical school as he studies to become a XXXX We are exhausted and overworked and underpaid. I have spent more time on this issue than I have my own personal life over the last 2 months. I urge someone to find the solution so I can have my finances returned to me. Every one of those {$500.00} required significant fortitude and work to make. I can not continue to meet radio silence and road blocks with each plea.
Product: Mortgage

Hello I have reached out to the company via XXXX and had no results. 
I haven't applied for a mortgage.
Product: Money transfer, virtual currency, or money service

Had a account with Coinbase, funds were transferred out of the account only to find that the money was redirected back into the account after a month, account was closed unexpectedly, and now can not access account or funds in the account, phoned Coinbase customer service, they see account and funds but have not given me access, been over a month of dialogue, looking at other options
Product: Credit reporting or other personal consumer reports

i have sent letters to the furnisher as well sent a complaint to all XXXX agencies about Account : XXXX XXXX XXXX they are not license in the state of Mississippi to do business as a debt collector and reporting inaccurate information on my credit report and needs to be deleted.
Product: Credit card

By mistake, I schedule payment of my monthly amount due to TD Bank. Unlike other credit cards sites, I was not warned that I was scheduling the payment twice. I noticed that money was removed from my XXXX checking account twice on XXXX XXXX, 2016, so I called TD Bank and asked them to send me the full duplicate amount back. Since I do n't have a checking account with TD Bank, representative told me it would take them from 2 to 3 days to send me a check. As I did not get a check, I called them again last week, and was then told that it takes them 8-10 days to send the check. It 's been over 10 days, I am yet to get a check, and when I called them today, they could not tell me when the check will arrive. Please help me.