23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of tXXXX The information listed below, which appears on my credit report, is the result of that 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 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 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 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: Mortgage

I was the victim of predatory lending scam in 2005. As a result of the high mortgage payments, I fell behind on the mortgage. I was eventually able to refinance the mortgage about ten years ago. I was informed I have no equity in my home, although I have been paying the mortgage for 16 years. I do not understand how this is possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a second request as I have not received anything. But these creditors are not mine.
Product: Debt collection

Back in XX/XX/XXXX, I joined XXXX ( XXXX ) and left for training. I had called the original creditor ( XXXX ) to have my account put on hold in accordance with the Servicemembers Civil Relief Act ( SCRA ) and explained that I would be away on XXXX. The representative explained to me that my account would be placed on hold and that I can reactivate it upon completion of my XXXX. I finished my XXXX around XX/XX/XXXX and was then at the time able to reactivate my account. When I called, they informed me that my account was closed and sent to collections for failure to pay. XXXX charged me over {$1000.00} in fees and late payments due to a failure on there part to abide by the SCRA. The debt collection was sold to XXXX. A little over two years ago, back in XX/XX/XXXX, I started receiving the initial contact from XXXX. They were unable to provide adequate information regarding this debt at the time and it was also apparent that the debt was past the applicable statue of limitations. I contacted XXXX credit reporting agencies informing them of this agencies actions and intent which in turn the credit reporting agencies verified this and removed any and all information of this collection from my report. It is now XX/XX/XXXX and I am being contacted by Diversified Consultants, Inc. about this debt yet again. I am currently still on XXXX and XXXX. This new agency has informed me that they received this debt and are attempting to collect this debt on behalf of XXXX. I have informed this new agency that this debt is now nearly 8 years old, still not properly being verified and to cease with the collection of this debt. I come to you with this issue because I have done research into XXXX. I have discovered that they were actually sued in court, found guilty of multiple violations of FCRA and most of these violations have to deal with attempting to collect on " old '' XXXX accounts. I have also discovered that they were barred from selling debts that they have received which it appears they have done. Again, I just wanted to bring this to the attention of the bureau and any assistance, feedback or acknowledgement would greatly be appreciated.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Upon reviewing my credit report, I noticed a list of unauthorized inquiries and transactions that are not of my doings. XXXX XXXX XXXX dated XX/XX/year>, XXXX XXXX XXXX  Inquiry dated XX/XX/year>, XXXX XXXX XXXX dated XX/XX/year>. Alongside collections report from XXXX XXXX XXXX XXXX reported XX/XX/year>, XXXX  XXXXXXXX XXXX XXXX  reported XX/XX/year>, XXXX XXXX XXXX reported XX/XX/year>.
Product: Checking or savings account

XXXX XXXX ( XX/XX/XXXX ) I have called over 15x spoke with so many representatives & over 6 Supervisors Ive also contacted them via email with no help they tell me over and over they will contact me via email nobody has reached out.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I pulled my credit and I had 8 inquiries. I did not authorize them Please have them removed. They are XXXX, XXXX Bank of America and XXXX XXXX XXXX XXXX XXXX Please remove them.
Product: Credit reporting or other personal consumer reports

They are reporting in accurate personal informatization I have sent in a request several times and they are still violating my rights. They are not providing correct information, and it is damaging my quality of life
Product: Mortgage

I have been asking since XX/XX/2024 to have escrow account closed and it has now been. 

I have also asked for our monthly payment to be recalculated. I have been told on several occasions the payment would be recalculated and it has NOT. 

So this complaint is to have Shellpoint Mortgage XXXX XXXX our mortgage payment since we NO longer have an escrow account that was set up solely for home insurance which we have purchased on our own. 

Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

-- PERSONAL ACCOUNTS 2. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Mortgage

I requested a deed in lieu with Cornerstone mortgage in XXXX of 2015. I was instead sent paperwork for short sale however the house had been listed from XXXX 2015 until XXXX 2015 which is more than the required 90 days and provided documentation to that effect. I have sent the deed in lieu packages certified mail at least four times as recently as XXXX XXXX per the request of a Cornerstone representative only to be told by another representative on XXXX XXXX that full sets of documentations have never been received and as a result, the property is scheduled for foreclosure. She went on to acknowledge that although my latest package was signed for on XXXX XXXX, Cornerstone did not record receipt into the " mixed mail '' bin until XXXX XXXX and in the interim my file was closed. Further, she requested that I send yet ANOTHER package in order to have my file reopened for deed in lieu consideration. I have made numerous calls to Cornerstone 's loss mitigation department and each time I have been told that I am not allowed to directly speak with the underwriter and that my request will be changed from a short sale to a deed in lieu request. With each phone call and representative I speak with the story changes regarding which documents are required. 
I feel like I 'm in a situation similar to the movie the XXXX, where the insurance company continues to acknowledge/deny the request until the patient dies.
Product: Money transfer, virtual currency, or money service

I am writing in regards to my Coinbase Account. 
XX/XX/XXXX : I tried accessing my account had to reset my password. I could not get into my account after resetting my password. 

XX/XX/XXXX : I tried accessing my account again on XX/XX/XXXX and I was asked to submit my Drivers license and photo for verification purposes. After submitting these forms of ID right away ( XXXX ), I received an email that the company was unable to verify my ID information with my account. 

XXXX XXXX : I submitted my IDs again for verification and received the same response that they are unable to verify the information I supplied with my account. 

XX/XX/XXXX : I received an email from Coinbase Support XXXX and a case number was provided to me ( case # XXXX ). They say, " Our team is working hard to answer customer inquiries in a timely manner, but you may experience longer response times. '' I have read through any tips provided on the help sites to trouble shoot anything that could be related to the verification process, but have not been successful. 

Thank you for reviewing my complaint -XXXX XXXX
Product: Money transfer, virtual currency, or money service

About six months ago, I had subscribed to XXXX to sell items of our business and personal unused belongings, when XXXX provided a TRUSTWORTHY FUND RECEIVER AND PROCESSOR Paypal. From the very first sale Paypal refused to use valid credit card and print shipping label, so the item was sent WITHOUT SHIPPING LABEL, SITTING SOMEWHERE IN THE UNDELIVERED PACKAGES OF USPS. At the fifth transaction of sale, 11 days after the complition of sale the funds still missing from the account where Paypal supposed to have deposited 9 days ago!! The last and ultimate sale, Paypal had received the funds of thrust but refusing to allow the printing of shipping label of received trust funds. Called XXXX two times to interfere, XXXX   come on line with broken English and heavy lack of competence, failing to reliese the part of funds to print shipping label. Paypal had been braking bylaws, trust issues and general consumer confidence matters, and XXXX had been promoting this ROUGE BUSINESS!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am writing this letter to request for a dispute to be opened for the following accounts to be removed as they dont belong to me. The following accounts don't belong to me which means they are all fraudulent and are errors on my credit report that needs to be removed. I tried disputing this with Equifax and they declined to assist me with this issue. My understanding about Equifax reporting information is that everything reporting should be factual and true, but the information in the letter is not factual and there is no have proof or any form of evidence. I am requesting the following information be removed from my credit report. I am a victim of Identity theft and the police report is attached with the letter listing all the inquires that don't belong to me.
Product: Credit reporting

XXXX XXXX XXXX accouint # XXXX I did not sign up for XXXX in XX/XX/2008. This is inaccurate and most likely fraudulent activity. I did not have an account with them then. I do not owe XXXX anything neither do I owe this collection agency anything.
Product: Debt collection

My wife and I have been disputing a debt with our old landlord since XX/XX/2022. In short, they are assessing damages to the apartment, specifically to the carpet, which they claim go beyond normal wear & tear. We have argued with them back and forth for some time, asserting that the photographs provided do not amount to carpet damage and that they willingly chose to fully replace all carpets in the unit when there was no need to do so and simply want us to foot the bill. 

On or about XX/XX/2022, we received a written notice from Genesis XXXX XXXX d/b/a Columbia Debt Recovery, LLC , informing us that the apartment complex had referred the debt to them for collection. On XX/XX/2022, we forwarded the email chain with the apartment complex to the email provided by the collection notice ( XXXX ) along with the reference number for the case. In the email we referred them to the apartment complex communications and again stated that we disputed that a debt was owed and to bring an action in small claims if they wished to pursue the matter further. 

We received an automatic reply email from the debt collection agency indicating that our response was received and that someone would get back to us within 7 days. We never received any additional communications regarding the debt from Genesis, either via mail, text, email, or phone. 

This morning, 30 days after receiving the collection notice, we were informed by our credit agency that Genesis had reported the debt as owed and that it is now affecting our credit scores. No one at this agency picks up the phone and we have been unable to get in contact with them.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a Consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXXXXXX 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: Debt collection

They have called me several times between XX/XX/2022 and now XX/XX/2022. They are trying to collect {$260.00} from me. They always try to talk down to me as if I am low if an individual because I can not afford this amount at the moment. I asked them to not call as much and I get constant calls anyway.
Product: Checking or savings account

On XX/XX/2020 early XXXX, my wallet was stolen from my home by a close family member unbeknownst to me and after the police officer allowed this person to come inside my home alone, while I was outside, to get their belongings. I awoke to alerts coming in on my phone of numerous transactions on my credit cards. I immediately called all credit card companies to report card stolen and was credited all charges. I called JP Morgan Chase to report my wallet stolen to include my identification, SS card and debit card. Upon reviewing my account, there was an {$800.00} ATM withdrawal from a Chase ATM. Chase initially provided a provisional credit and I thought the matter was closed. I additionally made a police report and took out an order of protection against the person. On XX/XX/2020, I reviewed my account to see the provisional credit was reversed and pending on my account : I was never contacted by Chase representative and had not prior official notification of this reversal. I called Chase Fraud on XX/XX/2020, waited over 2 hours and finally got through to an agent. The agent told me that it was reversed because the person used my pin on 1 attempt. I explained to the agent all circumstances to include I have a police report and protection order -So what did I do wrong? I also asked how someone could withdraw {$800.00} when my daily limit is {$500.00}. She could not answer and proceeded to connect with an agent in the ATM department. I asked this agent this same question and I was told " If someone uses their debit card at specific CHASE ATM 's they could withdraw 50 % up to {$3000.00} ''. I was in shock and so was the fraud agent as she had no idea this was possible either. I stated I was NEVER made aware of this at anytime and how could Chase allow this to happen. The ATM agent could not answer BUT stated if there was fraud and before he could finish, I stated there was fraud and Chase just reversed my credit. The fraud agent disconnected with the ATM agent and asked me to fax in my police report and protection order as she believes this is special circumstances and the fraud claim should be re-opened, HOWEVER there are no guarantees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit card company on several occasions. OnXX/XX/XXXX I submitted for the 3rd time my fraud information showing identity theft. I submitted a identity theft report, drivers licence, social security card, police report, and address verification. I have sent letters requesting information on the account. I never receive documents in the mail. I have had to call over and over. The last time I called in XX/XX/XXXXI was informed that they were not going to close the accounts as identity theft because the thief tried to keep the accounts open. No payments were made. I once again stated that I am not the one who opened the account nor do our names match. Now there are several accounts. 2 fromXX/XX/XXXXand one fromXX/XX/XXXX that were opened using a fraudulent name. And even after providing all documentation the company has never responded to me in writing nor fixed the problem. I also disputed the accounts with the credit bureaus only to receive the response that the credit card company needed me to reach out to them because they were unaware of the fraud even though it has been documented for months!
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I am attaching all documentation that was sent and verified as received by the company yet they refuse to act on this!
Product: Mortgage

I took an equity line of credit on a home that did n't have a mortgage, the home 's title was clear. The home loan was through  Ocwen  and   XXXX   XXXX   in  1993 The  company agreed to a mortgage assumption by  XXXX   XXXX  owner  (   XXXX   XXXX   ) on  a parcel of land title  XXXX .
Product: Credit reporting

Multiple accounts that have aged out and have yet to be removed. These accounts should have been removed from other credit reporting agencies, but TransUnion has refused to do the same on these old accounts.
Product: Checking or savings account

Etrade has now prevented access to my money for a week. They keep having me jump through hoops to access my funds which they were more than happy to transfer in. They keep restricting my account and telling me I have to verify things ( which were already verified ). I do what they ask and waste literally days of my time doing things after they already gladly took my money. Each time they tell me everything is resolved and the restriction is removed, but then they restrict my account again and tell me to do the same things once again which they already told me were satisfied ( which were clearly satisfied even before the restriction seeing as they were more than happy to transfer in my money ). This is beyond absurd, entirely unacceptable, and undoubtedly against the law. They must me held accountable and punished to the fully extent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies have refused to comply with laws set forth by the FCRA. The agencies are not doing a complete investigation into the obvious problems in question disputed by me the consumer. They willfully continue to furnish incorrect student loan information reported by XXXX on my credit report. Such false information being furnished has caused me to lose out on countless opportunities to advance myself and my children to the next level. The agencies are furnishing transactions and experiences that the credit agencies never got my written approval to furnish. XXXX has been reporting my account incorrectly as open and it has been closed and transferred to a new servicer. They are also reporting experiences and transactions in the form of inaccurate late payments. Please delete this entire account from my credit file. I have never authorized credit agencies to furnish any of my personal transactions with XXXX. 

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instruction.15 U.S.C 1681 section 602 A. states I have the right to privacy. If the situation is not remedied I will be filing a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX /Advance america had a data security breach and my SSN was leaked on XX/XX/2023 and i and now my information is on the dark weband i want to sue XXXX XXXX XXXX  for my leaked information ASAP
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was extremely frustrated to see an unauthorized inquiry that I never approved. I review my report regularly, and this unexpected issue came out of nowhere. I even attempted to refresh my browser, thinking it was a mistake, but the inquiry did not disappear. I need this matter addressed immediately, and I expect my submitted documents to be carefully examined to prevent further distress.
Product: Student loan

I submitted a PSLF Employment Certification form to Mohela ( about a year ago now ) for the time period between XX/XX/XXXX to XX/XX/XXXX during which I was making loan payments while at an eligible employer. Mohela updated my payment counts, and while most of those months were counted, for some reason on the eligible payments section payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are not listed/not being counted. This is an error that needs to be fixed. The proceeding months ( XX/XX/XXXX, XX/XX/XXXX ) and subsequent months ( XX/XX/XXXX and on ) were all counted, and there is no reason why those 4 months should not have been counted. This needs to be updated and reflected in my total PSLF payment count. I have been calling and trying to get this fixed for a year now and every single time get told something different and nothing has been fixed. This needs to be resolved immediately. I have submitted several messages and complaints through their messaging system, as well as called many times ( which they should have recordings of and notes on my file regarding this ).