23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have had a Coinbase account since XX/XX/2021. I deposited {$6000.00} into it and used it to buy XXXX, a cryptocurrency. I have been locked out of my account for over a year. Each time I go through the automated steps to get access, it asks me to wait several days, then fails. I am threatened that if I contact live customer service, my request to access my account will surely be delayed by " several weeks. '' Bottom line, I want my money out and can not get it, and I suspect this is deliberate on the part of the company.
Product: Checking or savings account

On XX/XX/XXXX, I opened a Chase Online Total Checking account using the sign-up bonus link, which states you will receive a {$200.00} reward after making a direct deposit of atleast {$500.00} within 60 days to qualify for the bonus. So this is exactly what I did, I waited 10 business days, and they never gave me my reward. Then I called the bank around 60 days after opening the account, they told me that I was not eligible because there wasn't a coupon code, but on the link for the reward it says the coupon code is " automatically '' applied.
Product: Debt collection

Nationstar refused to discuss information on a short sale contract I was approved on to purchase.from them. Contract date XXXX/XXXX/XXXX to expire on XXXX/XXXX/XXXX. I requested an extension to close on XXXX/XXXX/XXXX because of extensive damages to the property from XXXX/XXXX/XXXX til XXXX/XXXX/XXXX. 
I was told they cancelled the offer because of the request. It states in my contract with the seller about damages when going to close. They refused to consider two contractors estimates of water intrusion and black mold clean up. The home is not habitable, It is rat and mice infested, cat and dog poop and urine everywhere, cat hair everywhere. 
Nationstar refused to talk to me even after they cancelled my contract. please help!
Product: Checking or savings account

on XX/XX/XXXX i noticed that i had a pending transaction from XXXX. I didnt order anything so i called XXXX and asked if anything was purchased for {$190.00} with my card. They said only one purchase was made for the amount of XXXX with the last four digits of my card number and it was from a visa, not a XXXX. I called XXXX bank to dispute the charges. I had also noticed an charge from something called XXXX for XXXX dollars. when i talked to the agent i told them about both. i was more concerned with the XXXX dollars. they told me that it looked like a monthly charge on the XXXX thing. I told them i didnt know where that came from. they submitted the claim. I called a week later to see what was going on because i never received any information. I was told that they noticed those charges for XXXXe go back to XXXX of XXXX and they were only going to credit my account for the first 90 days. I said that was crazy and i asked about the XXXX transaction. they told me it had just posted and that they were working on it. I said okay and hung up. A week later i called back because i noticed that i was given a provisional credit of XXXX and then it was rescinded the exact same day. Once again i didn't get an email, letter or call saying anything was resolved with my dispute. So after being on hold for an hour, hung up on, hold for another hour i talked to an agent that told me that said my XXXX claim was outside of the 90 days. I said it was XXXX different issues. i was told i should have caught the first fraud sooner so the next one didnt happen. How is this a solution? That same agent was completely rude and got mad at me for asking for a supervisor. and told me if i resubmitted the dispute nothing different would happen. Ive never had anything like this happen to me with any other bank. i literally told them that XXXX didnt have anything from me and they telling me i took too long to catch the fraud. i caught the XXXX fraud before it officially posted to my account. how am i on the hook for that? why wasn't i notified at any step in the process?
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I need clarification as to why you are reporting certain information on my credit report. Please review the following : ACCOUNT NAME : XXXX XXXX XXXX NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX NUMBER : XXXX YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? ALSO, THE ACCOUNT IS NAMED XXXX XXXX ON EQUIFAXS REPORT, WHILE XXXX IS LISTED AS XXXX XXXX. DELETE THE ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. 

After you have finished my request, send me a copy of my credit report reflecting these changes. 


In the past XXXX years, I have written and sent letters to all credit bureaus in regard to this particular account and to have this particular account removed, but this account is still listed on my report. I also recall making payments online with these particular accounts and paying the balance off. Though, after learning about this information on my credit report, I returned to the company site to gather more information and receipts of payments, but the information was no longer there.
Product: Credit reporting

Credit reporting institutions have false information about an account status that was paid off and account closed. When I reported here, the XXXX credit reporting institutions, namely ; XXXX, XXXX and Experian contacted the creditor, XXXX XXXX XXXX. Instead of correcting the account record, on XXXX/XXXX/2016, XXXX put my account into delinquency till a Law Firm I engaged complained XXXX improved the account on XXXX/XXXX/2016 but retained the delinquency record on my report in addition to reporting that I still owe XXXX whereas not. All the said XXXX credit reporting institutions still maintain this balance. This has caused me to suffered gross financial and investments loss which instance my Attorneys are handling. I have kindly attached my XXXX XXXX XXXX account as proof that I owe them no monies as of XXXX XXXX, 2016. XXXX should remove its delinquency report without much ado and all the XXXX credit reporting institutions should make the necessary corrections and indicate that the account was closed on XXXX XXXX, 2016 on payment in full of balance then.
Product: Vehicle loan or lease

My husband financed a vehicle with me also as an account owner in XX/XX/2023. My husband and I both own the vehicle and my name is on the account. The creditor only sent statements addressed to my husband causing an oversight and missed payment, which then went on my credit report. The creditor claims they are not required to send statements addressed to both account owners. ( One phone representative even said that all the names dont fit on the mail, though we have mail from other joint accounts addressed to us both. ) I requested the creditor to add my name to all mail and to also remove the derogatory mark from my credit report and they are refusing to grant either request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt is way too old to be on my report and has been dismissed. It should not be on my credit report. The company removed it from only 1 credit reporting agency. Please remove it from all credit reporting agencies. Equifax, XXXX and XXXX  need to be notified. Its been an unreasonable amount of time. Its an uncollectable debt. I am currently also financially impacted by the covid19 disaster and florida hurricane ian and nicole. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team was incredibly rude and unprofessional. To the point I deemed it tribalism and employees sabotaged the servicing of my account there after. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and XXXX  complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. At XXXX point they asked if I voted for XXXX XXXX. This sort of behavior has since been termed " trump deraingement syndrome '' and this call center in Colorado must all suffer from it. Especially the females who mis serviced us with this debt. Please remove this unlawful debt that is still showing on all my credit reports. Equifax, XXXX and XXXX should all be notified to remove this debt. We will sue civilly if this problem isnt immediately remedied. Thank you. Please provide your companies legal addresses as well for my demand letters, subpoenas and attorneys correspondences. I can not speak on phone due to a XXXX so please note this and respond by hard copy mail.
Product: Debt collection

Portfolio Recovery Associates for amount of {$1200.00}. I have sent Portfolio Recovery Associates several debt validation and they have not responded and also reporting this collection to all 3 of the credit reporting agency. This collection does not belong to me.
Product: Credit reporting or other personal consumer reports

15 USC 1681 SECTION 602 A States I have the right to privacy 15 USC 1681 SECTION 604 A : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I had opened a Checking account with BB & T last month. I have setup the direct deposit also. I have no idea why BB & T has blocked my online access? As during COVID-19 me and my spouse is working remotely ( from home ) as well as helping the kids during their online schooling. It seems BB & T called and my spouse picked up up the call - but he was in a meeting and I was also in the meeting. I tried to call back BB & T at XXXX but there is so many confusing menus and no way to reach out a human being. 

Worse thing - during this pandemic - this bank is giving tough time to it's customers - by blocking their online access for no good reasons. 

Moreover My XXXX payment request is also blocked or stopped. 

I want full access to my BB & T and freedom to use my account - as end of the this is my money and I need to have the access during this testing times.
Product: Debt or credit management

There was a negative inquiry on my report a collections for a company that I had no legal dealings with. I contacted them on XX/XX/2025 under the guidelines and admission of doing a pay to delete after payment was initiated. The customer service representative provided me with a receipt. 

Upon further inspection, I contacted the original collections company which was XXXX XXXX XXXX. after verifying my account, I let the representative know that I paid the debt and that all my legal obligations were fulfilled and I didnt want any hindrance on my report the customer service representative then let me know that XXXX XXXX does not do pay to delete and if they did, I do not qualify. 

With the information at hand, I contacted the collection agency and I asked for a refund. They said that the payment has already processed and that they were never doing a pay to delete and the account will be changed to paid as agreed and will reflect on my credit report for seven years after letting the representative know that severity of my situation he provided me with a release of debt form instead of a pay to delete. 

Under 15 U.S.C. 6801-6802, financial institutions are required to implement safeguards to protect consumer information and ensure the fair and lawful handling of data. As a consumer, I have not received proper notification regarding this charge-off, nor have I been provided the necessary disclosures required by law to verify its accuracy.
Product: Credit reporting or other personal consumer reports

I have attached notification I received from the bankruptcy court stating that they do not provide information to third parties and I did not give them permission to have it. Under the Privacy Act of 1974 and Opt out laws, any authorization you believe you have is no longer valid and it needs to be removed from my credit report within four days.
Product: Debt collection

This is the second complaint for this Company XXXX XXXX XXXX XXXX.I reported and issue on XX/XX/2018 to CFPB on this account in question compliant ID 1XXXX.The results came back that they did not have the information need to add this account on to my credit report. It was closed on XX/XX/2018 stating they were going to remove it from the all 3 credit bureaus. It was removed from XXXX and XXXX but not XXXX. I did a dispute on XX/XX/2018 with XXXX they responded that XXXX XXXX XXXX XXXX states its a valid account. I don't understand how they can say on XX/XX/2018 that's its valid but on XX/XX/2018 they was going to remove it from all credit sites. It has passed the 60 days from XX/XX/2018 for the removal. I would like to get this account removed off my XXXX report ASAP.I feel due to the circumstances with this creditor, I should not have to wait any longer due to the issue should have be handled by now. 
NOTE : I had to DO 2 DISPUTES WITH XXXX  to get it removed after they replied to the CFPB stating it would be removed. 

CFBP COMPLIANT NUMBER : XXXX XXXX XXXX File Number : FILE NUMBER is XXXX
Product: Credit reporting or other personal consumer reports

According to my records of previously submitted disputes/documents via USPS, CFPB, and/or your online portal, you were in receipt of my prior communications and were obligated by law to take investigate my claim for action within 30 days of receiving notice of dispute. Knowing that this is a lawful obligation of yours, you both knowingly and willfully failed to delete the disputed information. Additionally, you have not communicated any probable error that would prevent you from completing this as everything that is NEEDED to fulfill my request was included in my initial dispute. There was no cause for you to stall or reason for you to stall, procrastinate, or refuse your duties. 

Therefore, I am now demanding the immediate removal of the disputed information. Under the provisions of the FCRA, you are also liable for damages, as outlined in 15 U.S.C. 1681n-1681o. In addition to removing the disputed information, you are required to issue a payment of {$1000.00}, made payable to my name as indicated in the letterhead above. For your convenience, I have included a completed IRS W-9 form to assist with your accounting or legal tax obligations. 

I want to be explicitly clear that this is not a notice or attempt to start a new dispute. Ive already tried to rectify this affair with you. By law, you are only allowed 30 days from day of receipt to dispute, and that time has since elapsed. 


Other errors not on the FTC Identity theft report : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am trying to finance a vehicle and there is a social security number being reported with my information. I do not have a social security only have a ITIN
Product: Mortgage

. ) The reason for this complaint is that McCarthy Holthus & XXXX, P.C., all XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX claim to have legal title of the loan, but can not /will not provide documents to support this position. It is unfair and deceptive for these entities to refuse to provide this basic documentation. Without it, my client is unable to make informed decisions about his debt and negotiate with the true owner of it. 

As part of my process, I review the chain of title for the loan documents. During this time I reviewed the Note and Deed of Trust dated XX/XX/XXXX and the Notice of Trustee 's Sale dated XXXX, the assignment dated XX/XX/XXXX and the request for restraining order from XX/XX/XXXX, ( attached as Exhibit XXXX ) and noticed something strange. The assignment was from XXXX as Attorney-in-Fact for XXXX XXXX XXXX XXXX to XXXX, with POA signing for XXXX XXXX XXXX XXXX as its attorney in fact. However, XXXX XXXX XXXX XXXX was shut down by the FDIC in XXXX, FOUR years prior to XX/XX/XXXX, the date of the assignment. See the documents attached as exhibit XXXX. 

Since a person can not act as an attorney in fact for a company that no longer exists, I was surprised to see someone signing as an agent for XXXX XXXX XXXX XXXX, when XXXX XXXX XXXX XXXX had been shut down for so long. I called on McCarthy Holthus and asked for an explanation, but McCarthy Holthus reps failed to give me any sort of reasonable explanation. 

McCarthy Holthus also represents that although a Foreclosure date was set in XXXX, the Note was NEVER accelerated. I do n't understand that either. 

I also would like to point out that I went directly to XXXX and they responded with the fact that they are NOT the holders of the Note or the " owners '' of this loan and have nothing to do with the foreclosure attempts and they DID NOT hire McCarthy Holthus to represent them. 

McCarthy Holthus ' response is unfair because it significantly harms my client 's ability to refinance or renegotiate his debt in the form of a modification if he can not even identify which entity he should be speaking with. McCarthy Holthus ' has or should have this information, but simply will not provide it. Further, it is against public policy and common sense that McCarthy Holthus ' should try to act as a legally entitled holder of the loan after written communications with XXXX claiming to NOT be the holder, but McCarthy Holthus ' refusal to provide even basic, simple documentation to prove their position is terribly frustrating. 

McCarthy Holthus ' actions are deceptive because it appears that XXXX received a valid assignment from a company that no longer existed at the time of the assignment. Without special knowledge about the mortgage and banking industry, the average reasonable consumer would easily be misled to assume that the assignment was valid and XXXX was the true owner of the debt. This is a material deception because it is misleads the consumer into negotiating and paying the wrong party for the debt.
Product: Debt collection

This medical bill should not be on my credit report according to the CFPB law. 

I ask for proof of debt and never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting an inaccurate bankruptcy on my credit report. I have reached out to the court house where the alleged bankruptcy was filed and they have assured me that they do not furnish this information.
Product: Debt collection

XXXX has failed on complying with the CFPB rules on : Early Intervention ( 12 CFR 1024.39 ) A servicer must establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrowers delinquency.12 As clarified in CFPB Bulletin XXXX servicers are required to make good faith efforts to establish live contact for each billing cycle for which a borrower has been delinquent for at least 36 days. A transferee servicer must begin or continue the good faith efforts regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. A servicer must provide to a delinquent borrower a written notice containing certain information not later than the 45th day of the borrowers delinquency.14 A transferee servicer must comply with the written notice requirement regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. XXXX waited for one full year before contacting me about the loan even though I sent a CFPB complaint to XXXX within weeks of the transfer notice.
Product: Credit reporting

TransUnion Consumer Solutions XXXX. XXXX XXXX, PA XXXX ATTN : LEGAL DEPT. 
I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as :. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT.. BAL : {$260.00} This ACCT. was charged off.
Product: Credit card or prepaid card

On  XXXX / XXXX /2017 I was shopping for a Surface Pro 4 on Amazon.com. I saw a link offering 0 % financing for 12 months on this item I wanted to purchase. I followed the link which led to a Amazon Signature Visa issued by Chase bank. On  XXXX / XXXX /2017 I reviewed my statement from Chase and saw an interest charge. When I called Chase they claimed that I had applied for the wrong card and that the 0 % interest deal was offered by a different bank. I 'm not sure who is more at fault Amazon or Chase, but this was classic bait & switch. I paid the card off in full to prevent further interest charges.
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I have no knowledge about this matter, and it was done by the company without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Date : XXXX XXXXXXXX XXXX Subject : Dispute of Inaccurate Information on Account Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dear Customer Service Team, I am writing to formally dispute the information reported on multiple closed accounts associated with Bank of America. Under 15 U.S.C. 1681, I am entitled to accurate information reporting and protection against unauthorized sharing of my financial information. Sharing my personal information with third parties without my explicit consent constitutes a violation of my privacy rights under FCRA Section 604 ( a ) ( 2 ) and other applicable statutes.