23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I include attachment for successful purchase from Coinbase online Coinbase.com for XX/XX/XXXX using my XXXX XXXX ending in XXXX. I am including an attachment showing Coinbase rejecting same card XX/XX/XXXX and another for XX/XX/XXXX. I submitted tickets to question why I was able to use this card for a {$3000.00} purchase the same day to an investor. My bank in each case said that there is not a problem with my card account. Coinbase has complaints about these problems and they will not tell me why I can use this card for hundreds of dollars of purchases with XXXX online and they are rejecting it. I tried another bankcard ending in XXXX and they rejected it also. Coinbase has a XXXX option but unlike all others do n't allow BUY selection only SELL selection. They claim I ca n't send them a cashier 's check. So I purchased a {$150.00} prepaid XXXX XXXX gift card and when I entered it they state their policy is not to honor prepaid cards. I finally got through on their ( XXXX ) XXXX custmer service and asked XXXX why they had not solved my XX/XX/XXXX ticket and he said they have millions of backed up emails to solve. I need their product in order to use a {$3000.00} product and I had already done business with them in XX/XX/XXXX successfully with the XXXX card.
Product: Money transfer, virtual currency, or money service

XX/XX/year> put in dispute for unauthorized use.. no refund I have proof XX/XX/year> put in dispute for unauthorized use.. no refund I have proof XX/XX/year> put in dispute for unauthorized use.. no refund I have proof XX/XX/year> put in dispute for unauthorized use.. no refund I have proof XX/XX/year> put in dispute for unauthorized use.. no refund I have proof XX/XX/year> put in dispute for unauthorized use.. no refund I have proof
Product: Credit reporting, credit repair services, or other personal consumer reports

This account been on my report for reporting incorrect or inaccurate. It has caused me a lot troubles including job turn downs. I have been in contact with bureaus about this incorrect report. 
In accordance with the Fair credit reporting Act. Everything has to be 100 % accurate on my report. 
The credit bureaus stated my accounts was properly investigated but this is not possible if balance is not being reported correctly, no information of validation from debtor, wrong address on report it not deliverable. ( XX/XX/2022 ) balance updated is inaccurate ( XX/XX/2022 ). Account has been on report for 7 years. Has been report deliquent for 6 years or more. High balance of XXXX on TransUnion and {$170.00} on XXXX. XXXX o investigation was done. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602 A. States that I have the rights to privacy.

15 USC 1681 section 604A section 2 It also states a consumer reporting can not furnish an account without my written instruction. 
Also the credit bureaus did not validate these debts and provide me with proper documentation requested that should have been provided in there investigation and placement of this account XXXX my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were reported and need to be removed. I have no knowledge of these inquiry dates or the inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed twice same day XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Student loan

This is in regards to a private student loan for which I am a cosigner and is being serviced by Navient. Loan # XXXX XXXX XXXX XXXX. I have explained 5 times to them that I am currently unemployed, i.e. I have no income and no savings to draw on to make payments, but they refuse to acknowledge facts. I am getting very sick and tired of being harassed when it is impossible for me to make any payments.
Product: Debt collection

My daughter was contacted by this company ( XXXX ) about student loan. She was threatened by wage garnishment and threatening to call her corporate office to inform others of said debt. 
When I called, they told me that i needed to get another job to help pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Equifax, one of the three major consumer credit reporting agencies, said on Thursday [ XXXX XXXX, 2017 ] that hackers had gained access to company data that potentially compromised sensitive information for 143 million American consumers, including Social Security numbers and drivers license numbers. '' - The XXXX XXXX XXXX ( source : XXXX XXXX XXXX XXXX  ) Equifax had a significant data breach and when they offered their service of free credit/ID protection/monitoring for a year, they had an arbitration clause in relation to TrustedID Premier in which, to access this " free '' service, we have to sign away our rights for any potential future legal proceedings with Equifax that may arise ( source : XXXX XXXX XXXX XXXX XXXX ) To add further instult to injury, the dedicated data breach checker set up by Equifax at https : //www.equifaxsecurity2017.com is largely useless and seems to be giving a pre-determined response. It appears that they do n't really know who has been impacted ( source : XXXX XXXX XXXX ).
Product: Mortgage

I am a widow and a XXXX veteran. XX/XX/XXXX - received preapproval letter from BOTW, found a new house, began loan process, sold my home as requirement to obtain loan from Bank of the West. Provided all docs as requested by BOTW, multiple times. Scheduled close on old home in Iowa was XX/XX/XXXX ; close on new house in Colorado was XX/XX/XXXX. On XX/XX/XXXX, received 3 calls from lender asking for more documents to be faxed, all docs previously sent. Late afternoon XX/XX/XXXX, receive call stating errors were made on the loan by the banker, and loan would be denied. She had mistakenly assumed my tax refund was a monthly income amount, and BOTW now decided I could n't afford the loan. They had literally months to confirm all income and catch any errors. Loaded XXXX in the drive ready to unload in new house. Received assurances that the issue was totally their fault and they would " make it right ''. Received new preapproval letter on XX/XX/XXXX to look for new house, as the first house specified must close on XX/XX/XXXX, so was unable to purchase. Arrived XXXX XXXX XX/XX/XXXX, loaded XXXX, XXXX sons, XXXX cats, XXXX dog, and myself. Advised by BOTW to find a place to stay, and they would expedite a new loan. Found new home on XX/XX/XXXX. Moved belongings into storage and myself into reasonably priced long stay motel. BOTW does not expedite, and in fact is not answering calls or emails from myself or my realtor. At the request of the realtor, I fired BOTW 4 weeks onto processing new loan. New loan closed new loan in 2 1/2 weeks. Due to this issue, I lost my entire savings. If had not HAD savings, I ca n't imagine what I would have done. I requested BOTW refund me the appraisal fee iao {$400.00} ( they did ), the inspection fee, the lost earnest money iao {$2000.00}, and the costs associated with losing the loan, a total of {$8500.00}. This amount includes housing, extra time on the XXXX, storage fees for my belongings, and boarding for my animals. I did not request reimbursement for gas to find another home or meals/groceries needed during this time. To date, I have received {$400.00} for the appraisal, and an offer of {$2000.00} if I will sign documents agreeing to leave them alone. We have exchanged numerous letters. They need to give me back the money lost due to their negligence.
Product: Credit card

On or about XX/XX/XXXX, I made a police report XXXX XXXX XXXX XXXX, with XXXX XXXX XX/XX/XXXX, XXXX XXXX, to report XXXX XXXX, XXXX : XX/XX/XXXX, who came to my home to make a few repairs. XXXX XXXX stole several items inside my home, including, material to complete the repairs, brushes, primer, spatulas and an array of other items, and, my Home Depot credit card, # XXXX XXXX XXXX XXXX, from my purse, which was on the mantle. I made a police report regarding the missing items. On or about XX/XX/XXXX, XXXX XXXX XXXX line contacted me at XXXX, to report declined charges of {$1400.00} and another large amount ( {$1000.00} ), which XXXX XXXX considered fraudulent charges on my Home Depot Credit card. In addition, XXXX XXXX allowed several smaller charges and inquired as to whether I made all of the charges on XX/XX/XXXX and XX/XX/XXXX. I informed XXXX XXXX XXXX that I did not make the charges in question and did not authorize the charges, including : on XX/XX/XXXX for {$390.00} ; XX/XX/XXXX, for {$570.00} ; {$330.00} and {$67.00} ; XX/XX/XXXX, for {$520.00} and {$29.00} ; for a total of XXXX XXXX, within a XXXX day period. Activity that is inconsistent with my spending activity. I denied making the unauthorized charges to my XXXX XXXX credit card. XXXX XXXX conducted their investigation, without contacting me to get my input, and seemingly made general assumptions about the charges and attributed the charges as my responsibility, despite my denial. On XX/XX/XXXX, XXXX XXXX sent me correspondence to notify me that they concluded the charges were my responsibility. On XX/XX/XXXX, I contacted XXXX XXXX XXXX unit to dispute XXXX XXXX findings and the fraudulent charges, XXXX XXXX has re-billed my account
Product: Credit reporting or other personal consumer reports

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

We have requested to see the original note after numerous applications for a loan modification that is continually denied due to '' best available terms. ". No explanation is ever provided why they are best terms. The interest is higher than the current interest rate for more than 4 years,. We were refused access to seeing the note because they stated it is " an undue burden ''. Their attorney XXXX XXXX XXXX also ignored our numerous email requests and request by certified letters to PHH. XXXX XXXX XXXXXXXX has now scheduled a foreclosure for XX/XX/XXXX with notice given on XX/XX/2019. This is a violation of notification.
Product: Credit reporting or other personal consumer reports

I took out a loan with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, CA XXXX, LOAN XXXX, Original amount {$3900.00}. Today, I discovered they pulled my credit report and the initial offer via XXXX said they would not be pulling my credit. When I attempted to resolve, their service agents are not in the US, and I experienced language barrier issues, and an inability to assist. I feel the company is a scam, and pulled my credit to share my information illegally and drive my score lower. I would like the inquiry reversed and this company investigated for their sales practices.
Product: Mortgage

The company specialized loan servicer replied that they have obtained my mortgage but they have not -it was charge off ( dismissal ) they may act as loan servicers but they are also junk debt collectors -. The information of even amount is incorrect. They have started taping little notes to my door stating a field inspector came today with the amount of {$110.00}. The document they sent states {$11.00}. They sent me loan papers to get a loan with them but they are trying to obtain my mortgage -that is gone. This company is trying to get money/my home by using every tactic they can -they are trying to foreclose. This company may act as a servicer but they are doing very illegal/fraudulent acts. This is a total unfair/unjust practice. They are not my lender/servicer. Through researching this company should be shut down. There are so complaints of real unjust illegal practices. My resolution is for this company to stop the harassment. 
Please help me with this horiible company. I have been forced to deal w/them due to the harassment. This company is getting by with all they are doing to consumers because no one in authority is stopping them. 
Sincerely XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

On XX/XX/2018, I received a Capital One credit card on my name I never applied for. I called Capital One, I was told the account was closed. I called and made an automatic report to XXXX
Product: Credit reporting

Sterling Infosystems conducted a background check on me for employment with XXXX and there was false information on my report. It said that I had a felony charge for disorderly conduct and a misdeameanor charge for assault which is also not true. I was charged with a XXXX in 2010 and a XXXX, not a XXXX in 2010 as well. Because of this, my job offer was revoked and the company has yet to send me the proper paperwork to dispute the claim with them. The background check was completed last month and I have been trying to get this straightened out. I want this taken off my record and they also only verified the information by my name and nothing else. They have caused me to be unemployed and out of a job because of a careless mistake on their behalf.
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by Lyons, Doughty & Veldhuis, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached by Lyons, Doughty & Veldhuis , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand Lyons, Doughty & Veldhuis, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements.

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that Lyons, Doughty & Veldhuis , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Product: Mortgage

XXXX XXXX uses XXXX XXXX to process their payments. My payments, principal, interest, taxes and insurance are XXXX a month. However, in XXXX of 2021 my payment was XXXX which raised an alarm because it is automatically debited from my account. I have contacted them several times. They come up with this line of hoopla that my taxes and insurance have risen, which is a complete lie. I have proof from insurance and tax records that this company is stealing extra claiming it is needed for escrow. They need to be investigated further. I have gotten the rudest people and nothing but continuous loops with non existent customer service. Go to find out this company has numerous complaints regarding extra funds taken out, when they shouldn't be.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX.Acct # 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: Debt collection

Allied Interstate called my number but did n't leave a message. I looked them up on the Internet and found out who they are. I have just completed a line of credit and a new car loan and my credit scores are excellent. No one has submitted my name for collection. I put them on block on my phone because they were calling four times a day. It will ring once and then hang up on them. They have been calling for weeksXXXX four calls a day. This is harassment as I am on the Do Not Call Registry. Their claim to others who have been similarly harassed is that the person they are looking for must call them and ask to have the person being harassed 's name be removed from their calling list.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is more than 2 months since I mailed out my letters for the credit bureaus to remove incorrect details on my credit report. I havent got any respond from them up to now. Not knowing what is going on has become stressful and I urge you to find out what is going on. Thank you.
Product: Other financial service

By means of this complain, my wife, XXXX XXXX XXXX and me, XXXX XXXX are having an issue with a credit repair company : It 's Time - Credit Repair ; which is located on : XXXX XXXX XXXX. # XXXX XXXX XXXX, TX, XXXX. XXXX : XXXX XXXX XXXX XXXX. We are submitting this complain against this credit repair company because it charged a series of illegal advance fees as well as misrepresented the cost and effectiveness of its services. We are seeking to halt the company 's harmful conduct and to obtain relief for us, including refunds of fees paid to the defendant. Our complaint seeks also our monetary relief, injunctive relief, and penalties. 
It 's Time - Credit Repair lured us with misleading, unsubstantiated claims that it could remove virtually any negative information from our credit reports and could boost credit scores by significant amounts. The company attracted us through its website and sales advertises. He promised us to obtain a mortgage and a loan for new house. The company lacked a reasonable basis for making these claims because it causes negative scores in our credit scores. 
It 's Time - Credit Repair ; charged a variety of fees for its services before demonstrating that the promised results had been achieved as required by law. Specifically, the company initial fees that it at times claimed were required to obtain special credit reports for us. The company also charged set-up fees totaling hundreds of dollars and monthly fees that often equaled {$240.00} per month. 
It 's Time- Credit Repair incurred on deceptive acts and practices in the marketing and promotion of its services. He promised us to erase several debts because there is a law who helps people with XXXX. Consequently, it lured us to get its services but it was a fraud because it was not true. Also, it promises us to improve our credit scores by challenging items on our credit reports, regardless of whether the information is accurate. 

Sincerely Yours, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX. E-mail : XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN TRYING TO GET THE CREDIT BUREAUS TO DELETE THESE ACCOUNTS THAT WERE NOT OPENED BY ME REMOVED FROM MY CREDIT REPORT SO I CAN REFINANCE MY HOME.
Product: Checking or savings account

About three weeks ago I opened a new Discover XXXX XXXX account with an online promotional offer. According to this offer, after I deposit XXXX balance, I should receive XXXX  bonus credit in my XXXX savings account. Then I deposited XXXX to my XXXX savings account over two weeks ago. However, so far I have NOT received the XXXX bonus in my account yet. 

I have a friend who opened the Discover XXXX savings account around the same time as me but he has already received his XXXX bonus. But I have NOT received any bonus yet. 

I request Discover Bank to post the {XXXX to my Discover XXXX savings account immediately without any further delay.
Product: Debt collection

I received a letter from Radius Global Solutions LLC ( collection agency ) on XX/XX/XXXX stating that I owed XXXX XXXX, XXXX {$300.00} for an account ending in XXXX. I have never worked with XXXX XXXX, nor have I ever opened an account with them. The info that I was able to get from Radius Global Solutions is that the account ends in XXXX, and it was opened on XX/XX/XXXX and closed on XX/XX/XXXX. XXXX XXXX is not FDIC insured. I have requested a dispute through Radius Global. I have run a credit report and XXXX XXXX  shows up as under " soft inquiries '' on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX they would only help me if I gave them my SSN. I was not willing to do that since I have never done business with them. I wasn't sure about their credentials. 

XXXX XXXX : XXXX
Product: Credit reporting

Experian sent me my credit report on a wrongful dispute that I mention to them they have on my credit report. XXXX XXXX should n't be on my credit report at all that account is over 7 years old. The account was paid off in a settlement and written off by the original creditor. They have no records of the account in their office anymore so Experian could n't have gotten any information. Next Experian failed to provide the proper information on the original creditor they had no phone number for them so how did they verify anything on this account. If Experian truthfully verified this account they should have gotten all the proper contact information and placed it n my credit report. This account was wrongfully disputed and it should have been sent in to Experian as ( outdated ) information pass 7yrs old. Look at the dates on the account.
Product: Credit card or prepaid card

I got a email from them stating that I had opened a Milestone Credit Card. I had not applied for this. I called the company and they closed the card. 

Email Sent to me : XX/XX/22 Card opened for XXXX. 

Called company XX/XX/22 They closed the account. 

No money spent or taken