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

Attorney and I requested proof of ownership after CFPB Vs. XXXX. ( CIVIL ACTION : 1:15-CV-401-WOB, 2017-CFPB-0013 ) was settled and XXXX XXXX XXXX XXXXXXXX XXXX  closed their doors . They failed to provide proof of ownership over the Title and Loan. At a later date they sent a modified contract with their name as the beneficiary of the loan, falsely removing " XXXX XXXX XXXX XXXX XXXX '' from Original Contract and replacing it with " XXXX XXXX XXXX ''. Thus creating a fraudulent document. XXXX XXXX XXXX has been sent a cease and desist letter on two separate occasions. They failed to comply and caused further damage to my credit report. They threatened to repossess the car while I was XXXX XXXX XXXX XXXX XXXX and did not comply with The Service Member Relief Act.
Product: Debt collection

I have not initiated any transaction with any company listed. Furthermore, I do not have an account
Product: Credit card or prepaid card

AMERICAN EXPRESS IS REFUSING ARBITRATION REGARDING THE TERMS AND CONDITIONS OF THE XXXX XXXX  CREDIT CARD AND THE XXXX  XXXX  XXXX   CARD WITH XXXX. 

AMERICAN EXPRESS IS REFUSING TO MAKE THE PROPER PAYMENT TRANSACTION TO XXXX  REGARDING THE FEE OF THE ARBITRATION REGARDING THE TERMS AND CONDITIONS OF THE XXXX XXXX  CREDIT CARD AGREEMENT DUE TO XXXX. XXXX XXXX XXXX INCOME WITH SOCIAL SECURITY.
Product: Credit reporting or other personal consumer reports

My loans were transferred to XXXX on 2/16/2023. However, my credit report on XXXX is displaying I have open accounts with both Nelnet and XXXX, doubling my debt to {$140000.00}. I've contacted Nelnet on numerous occasions and requested to speak with a supervisor with no resolution to the matter. They state since my loans transferred it is not on them. In this case, my credit report should show no open accounts with Nelnet whatsoever! All credit reports XXXX, XXXX, and XXXX should not reflect any Nelnet accounts and be removed expeditiously for that matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize nor have any knowledge of this Collection Bureau of {$180.00} on my credit report. I have not received any validation of a signature for this alleged debt. 

Also, it is reporting as an open account, an ( alleged ) collection can not be an open account, therefore is reporting inaccurate Also, as of XXXX XXXX any medical debt of {$500.00} or below it MUST be deleted off of credit report, this is NOT AN OPTION! 

this is added unnecessary stress to me and has decreased my credit score
Product: Debt collection

On XX/XX/2023 I sent a debt validation letter to Blitt and Gaines, P.C located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Mo XXXX. Phone number : ( XXXX ) XXXX TTY : XXXX. They have failed to respond but continue to pursue me in court. I then mentioned in court that they have not complied with the FDCPA. Their response was that their debt collection firm doesn't have to observe this law. On XX/XX/2023 I sent another debt validation letter via email to Blitt and Gaines, but they've fail to respond once more. Blitt and Gaines continue to pursue me in court.
Product: Checking or savings account

Deposited my ui benefits into a cash ap account. I purchased a new phone and tried to sign in but they locked my account for possible suspicious activity. This was on XX/XX/2020. On XX/XX/2020 they unlocked my account and unlinked my personal info and kept my funds totaling {$1100.00}. Trying to login results in making a new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXXXXXX and XXXX XXXX  XXXX
Product: Mortgage

I would like to file a formal complaint against DiTech Financial LLC. My ex-husband and I have a home that is currently still in both of our names. He and I both have remarried and my current husband and myself are residing in this property and have been since XXXX of XXXX. My current Husband & I have been actively trying to get the home refinanced into our names to make the place our own and freeing up my ex-husbands name from any responsibility to the place which also allows him to move forward. 
We have been corresponding with DiTech since the beginning of XX/XX/XXXX and are still currently seeking the documentation we need to be able to process this Mortgage. We have a lender willing to allow us to do so and the only thing holding us up is DiTech and their unwillingness to cooperate. All we need are copies of the actual mobile home ( 3 sections to the home ) ( 3 ) titles to the home on our mortgage which they hold. We have been told as much as they have to be requested which I have done ample times, to they are awaiting approval by a supervisor before they can be sent out, back to they have no titles showing, and we have also been told its not listed as a mobile home. Initially we were told it would take 7 to 10 days for the request to process. 
And then the time frame and replies kept changing. You never were able to talk to the same person twice for the most part. Even our Loan Officer that is assisting us has contacted them and they gave her the run around and was rude to her as well. I do not understand how you can be in the Business of holding peoples mortgages and not be able to produce this Documentation. Its not like we are buying something that can be returned! This is our home which blood sweat and tears has gone into not to mention the cost. I would GREATLY APPRECIATE ANY AND ALL ASSISTANCE IN THIS MATTER .... I feel as though this is a HUGE INJUSTICE to me as a Consumer. Rest assured if it was the other way around I am sure they would not be happy either and they would want their money. I HOPE AND PRAY THIS CAN BE RESOLVED SOON AND I HOPE THIS HELPS SOMEONE ELSE DEALING WITH DITECH IN THE FUTURE ... ..SINCERELY STRESSED OUT CONSUMER!!!
Product: Student loan

I believe my case falls under the predatory practices by Navient along with the XXXX XXXX of XXXX. The XXXX XXXX was sued but I have not recieved anything about my account from the school. I have so many issues with both companies and am at my wits end on both. I attended XXXX between XXXX and XXXX with which I had to struggle to finish as I had XXXX within 8 weeks-one being my grandmother on XXXX and another being one of my brothers from a tragic death and to put my oldest son into the hospital for trying to XXXX after his uncle died. It was a miracle that I pushed myself through my XXXX to finish. I do not believe I was fully counseled when I first applied to XXXX and do not feel like I got the help needed when I finished. I took their word on job placement, tuition, use of my degree, and applying for aid. I found out only about in-state and out of state tuition prices when my son started to apply for colleges in XXXX. I was not counseled on taking a degree part time would cost more than a full time degree in less time. I took their word on everything as they were the experts and they would n't steer a student in the wrong direction. Needless to say, I did receive an XXXX and can not get a job with it at all in the XXXX area. I was without a job-except for a short time that I offered myself as a XXXX. I was not paid-in hind site I was used again. I finally gave up and decided to go out on my own and try to make it work as my own business. During all of this time, Navient kept putting me into forbearance. I was never counseled on any other payment options until recently. So it has come to the point that my degree that should have been approximately only {$20000.00} total at the time for an XXXX tuition has now ballooned over {$85000.00}. When I downloaded the form that lists all of my loans and disbursement dates, I found something else that completely stands out as something is wrong -- -all loans are approx {$3000.00} but there are three that I was charge approx {$10000.00}. I do not know if this is a screw-up in accounting and the school just took it anyway? It just stood out like a soar thumb. I do not know how to go about finding what the amounts directly went to. Even though I do not have anybody as a co-signer, I had to put references and now my mother is constantly inundated with phone calls about my loans. She is elderly and has nothing to do with this. I tried to remortgage my house to roll the loans into that payment with the equity I have built up, but I can not remortgage due to my credit with the student loans. HELP PLEASE! I do not know where to begin.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XX/XX/1004 INQUIRIES : XX/XX/2023XX/XX/XXXX
Product: Mortgage

Planet home lending was my loan servicer they foreclosed on my property even though they had my modification application in hand and even though I was sick with the coronavirus while on the phone with them in the last few days of before the Foreclosure they still would not give me any extension for the sale date and I ended up getting the law librarian sick because of my selfishness and wanting to keep my home I was in there trying to learn the law to save my house she was very sick for many months and still probably has not forgiven me because I don't have any help from the law library anymore. On the Foreclosure sale date I was there at the location where they said the foreclosures auction was going to be and there was absolutely no auction at all in any sense. Even though there was no auction they said there was one and even though it was supposed to be a free competitive auction the VA put a stipulation saying that the loan service can only bid so much, which makes it not a free and competitive auction. So I then contacted the VA to explain that the Foreclosure had gone through and when I informed my VA loan technician XXXX XXXX that it was now time for me to start making payments to them directly like he had explained to me was going to happen they told me that they could have done that but they couldn't get a hold of me so now it's too late even though the auction was just yesterday and it's a done deal sorry there goes your house that you worked the last 15 years almost on and put every XXXX of your XXXX into ( by the way the XXXX comes from combat ). After a very long time of arguing with several different people in the VA loan technician 's office the boss finally admitted that I was told that by the person but that that person didn't know what they were talking about and there's no way they could do that kind of thing unless the house has some a lot of value to it and mine did and mine fit the description a home that is eligible to be what is called refunded by the VA. So end result VA has some middleman company hiring an eviction company to get me evicted I explained to that eviction company that my rights are in place my rights are called redemption period Rights and they pretend to have never heard of these kinds of things so they went and after many many lies convincing the court that they tried to notify me of different events was able to get a court date for an eviction without me being notified. The eviction company 's name is XXXX XXXX XXXXXXXX. I doubt anything I say at this point matters because it's proven on so many occasions that I can do everything right somebody's going to XXXX  smack me down. My number is XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX Balance : XXXX
Product: Credit card

Contacted Bank of America Credit Services prior to departing the country on XXXX/XXXX/2016 to inform them of a change of address. I will not have a physical address in the U.S. for at least the next 6 months. I have established a P.O. Box with the USPS and set mail forwarding to begin XXXX/XXXX/2016 when my lease terminates at my prior U.S. physical address : XXXX XXXX XXXX, XXXX, XXXX XXXX. I am out the country for work-related tasks. 

I informed Bank of America of all of this and gave them my P.O. Box which will be in use for at least 12 months as per prior agreement with USPS. However, today I was unable to finalized a XXXX transaction using my P.O. Box address and instead had to use my prior physical address to finalize payment with my credit card for a bus ticket for work-related travel from XXXX XXXX, XXXX to XXXX XXXX, XXXX where I will be staying for approximately 6 months. 

When I logged in to Bank of America Online Banking, no P.O. Box was listed so I manually added it myself, but was unable to switch my primary address from XXXX XXXX XXXX, XXXX, XXXX XXXX to my new P.O. Box address. I then called Bank of America Credit Services and was told that this was a non-issue and the P.O. Box was listed on my account. I responded that of course it was, because I had just added it. However, this did not resolve the matter with not being able to change the primary address associated with the account. 

I informed XXXX ( from XXXX ; only identifying information I was given ; Supervisor named XXXX XXXX ) that I did not want to be transferred to Online Banking nor a supervisor. I considered the matter to be closed as this was my second attempt to inform Bank of America in a timely and efficient manner of my change of address and travel/work-related needs. As the provider of my financial services, I informed XXXX that herself, her supervisor and their employer would be held responsible for the security of my personal information and the security/integrity of my financial information. No information should be sent from Bank of America to my prior physical address : XXXX XXXX XXXX, XXXX, XXXX XXXX after the effective start date of my mail forwarding service with the USPS on XXXX/XXXX/2016. 

I am filing this complaint because XXXX was unable to give me a definitive answer abou the resolution of the update to information in Bank of America 's system in regard to my primary address, as well as the fact that she negated or disputed whether or not the facts of the matter were as they are. Indeed, Bank of America 's online account information still lists my prior physical address in the U.S. as my primary address. I also informed XXXX that if I had any further issues with finalizing financial transactions due to lack of recognition of my P.O. Box that I would file as many additional CFPB complaints as necessary to resolve this matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

4. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

7. violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

8. violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby demand an investigation into these disputed items and their removal from my credit report. It is my understanding that you will verify these items with the respective creditor. Any information that the creditor fails to verify should be promptly deleted. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the address provided above. According to the law, there should be no charge for this updated report. Additionally, I kindly request that you notify anyone who has accessed my credit report in the past six months of any necessary corrections.

Thank you for your attention and assistance in addressing this matter.
Product: Money transfer, virtual currency, or money service

I have purchased bitcoins through Coinbase.com. On XX/XX/2021 I submitted an request for {$500.00} to be deposited to my bank account. 
I received an email that my account was blocked because of suspicious activity. I filed a complaint through XXXX and they were unsuccessful in getting a reply from Coinbase I have had five Customer Service phone calls which led me in circles. 
I have sent emails, I have sent copies of my driver 's license and photo to them at least 3 times. 
Nothing. 
Can you help?
Product: Credit reporting or other personal consumer reports

XXXX ) XXXX XXXX : Account # XXXX Under 15 U.S. Code 1681i ( 5 ) ( B ) ( I ) ( iii ). This item was deleted and you reinserted it without notifying me 5 days prior to re-adding. This account is in violation!

Under 15 U.S.Cose- 1666B- This is a billing error, account always paid as agreed and on time. This account is in violation. Additionally, dates of payments are not listed, missing and or are just completely blank. This is a VIOLATION!

Under 15 U.S. Code 15 U.S. Code 1605 ( a ) - If a Finance Charge was included which is the sun of all payments, there should be no payments on this account. This account is in violation!

Under 15 U.S. Code1681b- permissible purposes of consumer reports. I have never given anyone written consent to report anything on my consumer reports. No consent is Fraud! This account is in violation!
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXXXXXX by certified mail two time one by priority mail and one by certified mail and still nothing was done. I sent in all documents that provided my identity the accounts that I listed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Celtic Bank /Continental these are the fraudulent accounts that I have asked to be removed I have not given anyone written consent to report fraudulent inaccurate unverified accounts on my credit report I am asking for your support and help in this situation and please delete
Product: Debt collection

XXXX XXXX  # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with XXXX  XXXX  OR their client. I do NOT owe {$750.00} and I do NOT have 1 month terms with them OR their client. This intimidation tactic is ILLEGAL and the last time I checked, they WERE NOT allowed to place anything on ANYBODY 'S credit report. This needs to be DELETED immediately before I file my lawsuit!
Product: Debt collection

I would not know what dates to put on here, I have filled out an identity theft package at one point, I have filed a police report, I have done all I can on my end. I called this place, not all my info matched, I did not know what the heck this place was, what the debt was for or what was purchased with it and they could not give me any information as I did not have the emails used for the purchase or the correct birthday that had been used therefore they would give me zero information. Then when applying for a home loan about a year ago this ended up affected that as this popped up on a credit report that was more visible and not visible on my XXXX XXXX credit report which was news to me!! SO since they would not give me any information I was never able to find out ANYTHING about this fraudulent debt and now have learned this is a lending company for online purchases, and these were not ANY purchases I made. I found out some had my address as a billing address some did not, some had different states, some had mine, it was clearly fraudulent according to XXXX which was one if not the only vendor that was financed, I could not retrieve all of the information but did as much work on this as I was able with out the companies assistance. I would like this resolved as this place will not assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kia is reporting incorrectly on my report for the last couple of years. I do not owe the company money. They have been reporting this as a repossession and charge off, but fail to provide proof of any information verifying the allegations. They have none of my information correct, stating the vehicle was repossessed at " my address '' that of which has no ties to me and never has. They are reporting someone else 's information and payment issues on my report. Please verify against my personal information.
Product: Credit card

XXXX did not properly process disputes I had on my credit card ( this is going on a year now ). I am pretty sure why, because they knew they were being sold to Wells Fargo. Now Wells Fargo refuses to even talk to me. I had two people supposedly in the XXXX XXXX named XXXX and XXXX XXXX. I have left them both numerous messages over the last XXXX weeks. I have gotten only XXXX responses from XXXX XXXX and when we talked she did not even realize the extent of the complaint and was investigating something altogether different ) and then I spoke with her XXXX, XXXX XXXX, and XXXX called me once, gave me her email, I emailed her numerous times with all the details and now XXXX will not email me back. I leave at least a message per week for her to call me. And while she appolgized to no end that XXXX did not call me back and told me that is not how they do things at Wells Fargo, XXXX won't call me back either.