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

I made 5 transactions totaling {$500.00} ( {$100.00} each ) to coinbase on XXXX for crypto using XXXX i only recieved 1 out of 5. I've tried contacting coinbase with 5 different emails and no one responds to emails or answers the phone. Attached is the purchases I made using XXXX on XXXX. Also my transactions from coinbase which shows only one went through. I tried disputing the charges with XXXX and they can not help.
Product: Student loan

I filed a dispute sent through certified mail with XXXX XXXXXXXX on XX/XX/XXXX because I was informed about negative information reported by " XXXX XXXX XXXXXXXX. '' that stated to validate this information with " XXXX XXXX XXXX/XXXX '' and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of such documentation bearing my signature, I formally requested that this information be immediately deleted from my credit file maintained under my Social Security number. All 3 student loans listed with a reported balance is {$0.00} but still reporting negatively. I received a reply from XXXX XXXX on XX/XX/XXXX, which is within the 30 days to complete the investigation as per the FCRA verifying the information as accurate but no documentation bearing my signature in which I requested. Next, I sent another letter through certified mail to XXXX, XXXX on XX/XX/XXXX stating to provide a reinvestigation within fifteen ( 15 ) days of completion. Also, additionally to please provide the name, address, and telephone number of each person contacted regarding this alleged account and again to formally request a copy of any documents provided bearing my signature. I 've also reminded them of the " XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. Cal. XX/XX/XXXX ), they may be liable for your willful non-compliance. I received a reply from XXXX, XXXX on XX/XX/XXXX, which is within the 15 days to complete the reinvestigation verifying the information as accurate but again for the second time no documentation bearing my signature for these student loans that I formally requested.
Product: Debt collection

I have sent more than 2 dispute letters to JEFFERSON CAPITAL SYSTEM ( JCS ) via certified mail at their given address of : XXXX XXXX XXXX XXXX XXXX, MN XXXX. 

THERE HAS BEEN NO WRITTEN RESPONSE to the consumer to validate the alleged debt discusses in each dispute letter. 

This has cause me great pain in business collaborations and opportunities for my family, because this account is reporting negatively on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against XXXX Credit Card after someone abused a POA and opened a credit card in my name. I submitted the notarized documents ( attached ) proving this was not an account I opened myself. XXXX and Equifax both stated they would not reinvestigate this matter, saying I needed to send them the very documents I have sent over on more than 3 times. I am starting to believe that they unlike XXXX are unwilling to accept the military investigation results and the notarized documents obtained during that investigation. I did not open this account and am still being held liable for it.
Product: Consumer Loan

I had a car loan with Condor Capital Corp since 2012. Occasionally I paid my loan late but I was never late more than one month. By court order Condor Capital has been dissolved and my loan ended up in hands of ... That the problem. I do n't know who my current lender is. Condor 's website redirects me to blank, generic log in info. When I log in with my previous credentials I see my personal information but under account information there always is message : '' No accounts available to view ''. 
I repeatedly send emails to contact info and made multiple phone calls ( XXXX ) always answered by voicemail. Except XXXX generic response via email, none of my request was answered, including multiple requests for payoff statement. I mailed XXXX payment to XXXX XXXX XXXX under " Contact Us '' info ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). My check was cashed within 4 days of mailing form XXXX. There was no endorsement on the back and still no response regarding any statement, balance, account information. 
I really do n't know what to do at this point. I have no problem with paying for my car but since Condor Capital was shut down for defrauding its customers, I refuse to make any further payments without being able to oversee that the payments are being applied correctly and my balance is where it should after 3 years of payments. 
I would really appreciate your advice and help in this matter.
Product: Credit reporting or other personal consumer reports

Reporting a write off or Charge off on my report is IRS Fraud because I have never received a 1099c. The company Should have sent a 1099 c so I could claim the amount as income and since they never sent the 1099c this account is a false report if it was never written off then they have lied on my report for 3-4 years either way the account needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA violation no knowledge Name, Address, Telephone and Inquiries that I did not authorized appeared on my Equifax credit report.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and these address on there are not mine i need them removed asap. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 

Please remove the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concern about how Zelle has handled disputes. Regarding the CFPB lawsuit issues with the platform. Even thought I have used Zelle for years and have informed about discrepancies over the years Zelle didnt really investigate my claims. Zelle never helped tracked lost funds regarding the CFPB states Zelle neglected their customers concerns and didnt protect their funds. Leaving us users to be scammed Is totally unacceptable.
Product: Debt collection

On XX/XX/XXXX, I received a call from XXXX, an employee of XXXX  XXXX ( Phone : XXXX ), regarding the repossession of my vehicle. However, this vehicle was discharged under Chapter XXXX bankruptcy in XX/XX/XXXX, meaning any attempt to collect or take possession of it is illegal under federal law. 

Violation Details : Speed Recoverys actions violate the Bankruptcy Discharge Injunction ( 11 U.S.C. 524 ), which prohibits creditors or debt collectors from attempting to collect on a discharged debt.

This also violates the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692c & 1692e ), as it is illegal to misrepresent a debts status or contact a consumer about a discharged debt. 

The companys actions have caused unnecessary stress and inconvenience. 


Actions Taken by Me : I informed XXXX that the vehicle was discharged under Chapter XXXX bankruptcy. 

I am formally requesting that XXXX XXXX immediately cease and desist all further collection or repossession efforts related to this vehicle. 

I am also requesting statutory damages of {$1000.00} for their violation of the FDCPA.
Product: Mortgage

We paid off our mortgage on XX/XX/2018. We sent a wire transfer, as requested by the mortgage company, in the amount of {$24.00}. Our payoff statement stated this was {$4.00} for principal and {$20.00} for a recording fee. At that time we had an escrow balance of {$890.00}. On XX/XX/2018 {$20.00} was removed from our escrow account with the descriptive reason being " partial payment ''. This lowered our escrow balance to {$870.00}. The escrow account was for home owners insurance only, as we pay no property taxes due to my rating as a XXXX XXXX XXXX veteran. If our loan was paid in full, as well as the recording fee, what was this {$20.00} payment for? I contacted the mortgage company 3 times in XX/XX/XXXX via telephone to inquire why the {$20.00} was removed and what it was for. Each time I was told my inquiry would be forwarded to the correct department and I would receive a written response in approximately a week. No response. I sent two secure messages from my account on their website requesting the same information, one on XX/XX/2018 and one on XX/XX/2018. Each time their response was " XXXX XXXX Your secure emailed message is currently under review. We realize the urgency of your inquiry and we appreciate your patience. We will have a written response to your concerns. Should you have any questions, please feel free to contact our office at Toll Free XXXX, Monday through Thursday XXXX XXXX. to XXXX XXXX, Friday XXXX XXXX. to XXXX XXXX Pacific Standard Time. 

As of today, XX/XX/2018 I have yet to receive a reason for this {$20.00} being removed from escrow. It is now been over 2 months from my initial inquiry. I need to know why this {$20.00} was removed.
Product: Mortgage

I am writing to correct an issue on my credit report, regarding a foreclosure which was finalized in XXXX of XXXX. I had a XXXX and XXXX mortgage on a property located in XXXX, XXXX XXXX that was foreclosed upon. The XXXX mortgage holder, XXXX XXXX, is reporting on my credit report as " settled '' in XXXX of XXXX, but the XXXX mortgage holder, Bank of America, is still reporting the XXXX mortgage as an " unsettled '' account until XXXX of XXXX. 

History : In XXXX of XXXX, I contacted the Bank of America 's " Charge Off '' Department, requesting that credit reporting error be corrected. After six weeks of telephone calls and emails, they told me on XXXX XXXX, XXXX there was nothing they could do. 

Then XX/XX/XXXX, I began receiving harassing calls from XXXX, XXXX, XXXX XXXX XXXX, a law firm in XXXX, XXXX, informing me that they would be taking me to court to collect a {$45000.00} XXXX mortgage judgement against me on behalf of Bank of America. I informed them that this specific XXXX mortgage was settled in a foreclosure and therefore was exempt from collection. They stated that Bank of America considered this XXXX mortgage as a collectable debt. 

Finally, after months of harassing calls, mails and letters, I offered and Bank of America agreed to accept, a {$5000.00} payment to close this matter and on XXXX XXXX, XXXX, I paid this amount. 

I am presently attempting to apply for a new home loan and I am unable to do so because Bank of America is reporting this account as last active in XXXX XXXX, instead of 2 years and 9 months ago ( XXXX of XXXX ) when it was foreclosed upon. Repeated calls to various departments at Bank of America have resulted in no response to my request. My wife and I would appreciate any assistance you can provide us.
Product: Credit reporting, credit repair services, or other personal consumer reports

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation i have sent specific letters to Transunion , XXXX XXXX XXXX  asking to them to verify all debts, they have wrong dates, wrong information to them as well. These items shall be removed expeditiously XXXX XXXXXXXX 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 received a notice from XXXX XXXX, the loan servicer, that my loan was past due. I had believed the loan was deferred. The notice I received stated that the loan was late, but not yet 30 days past due. 

I contacted an account representative and she gave me information on getting back into a deferment. I explained to her that I did not want any late mark on my credit report. She stated that it was too late to get a deferment for that month and I could apply for one for subsequent months, but needed to make a payment for that month. I agreed to do so, and before the 30 day window made a payment in the amount that she had told me was due. She had assured me that if payment was received before the 30 day window passed, it would not result in being marked as late to credit reporting agencies. 

Despite my making the payment, they have reported that account as late to credit reporting agencies, resulting in serious damage to my credit score.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of disputed information on my credit report. Despite my disputes, the following issues remain unresolved : 1. Incorrect Names on My Credit Report : My credit report should only display my legal name, XXXX XXXX. However, Experian continues to include numerous inaccurate and unverifiable names, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed these names multiple times, yet Experian has failed to remove them, leaving my credit report cluttered with inaccurate identifiers. 
XXXX. XXXX Accounts : The following accounts remain inaccurate or unverifiable despite my disputes : XXXX XXXX XXXX : This collection account, opened on XX/XX/year>, reports an inaccurate balance of {$2900.00}. Experian has not conducted a reasonable reinvestigation or removed the account. 
XXXX XXXX : This account, with an original balance of {$10000.00}, has been charged off. Disputed inaccuracies regarding this account remain unresolved. 
XXXX XXXX XXXX XXXX This account has been disputed, yet Experian has failed to provide resolution or verify its accuracy. 

Despite providing supporting evidence for my disputes, Experian failed to forward this information to furnishers, conduct a meaningful investigation, or notify me of outcomes in a timely manner. These failures align with recent allegations made by the Consumer Financial Protection Bureau ( CFPB ), highlighting systemic issues in XXXX dispute process.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found a lot of inaccuracies. I am promised maximum accuracy in my credit report. according to 15 USC 1681 EB and 15 USC 1681 S 2a if accounts are not verifiable and account not accurate this must be removed immediately.
Product: Debt collection

XX/XX/2023. Ive had many loans at tower loan in XXXX mo. I fell upon hard times unfortunately and can not pay this one and believe me i feel horrible.i called to let them know my decision to file bankruptcy i guess the gal i talked to had me on speaker.Immediatly the manager got on the phone and let me have it. I couldn't get a word in he kept yelling at me I couldn't give him the attorney name and number that will be handling the bankruptcy nothing he wouldn't listen to me and continued ranting and making me feel like XXXX. I finally hung up on him I was in tears So today XXXX he calls my cell while I'm at work I didn't answer then 1 minute later calls the work phone. I'm pretty sure this harassment and is not legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX .... Balance : {$260.00} ; XXXX XXXX XXXX XXXX .... Balance : {$30000.00}
Product: Debt collection

I lived at the XXXX Apartments and lease ended in XX/XX/2023. I provided the correct forwarding address for mail that is still current as of today. Phone numbers are current as well, and email addresses are also current. Not one notice was received, regarding this being placed for collections and I am not sure why no attempt was made. All this information was provided to the property manager XXXX when I turned in my notice to vacate. I had to provide all that information to show my new apartments, I did everything as far as the lease states, such as providing a proper 60 day notice, forwarding address, email and phone number. The property manager then did confront me, asking why I was behind, on my final month, and I did tell her I was unemployed, early in the month of XXXX and if possible, be able to pay the remaining balance I owe and late fees, in increments. XXXX days before XXXX was over, She stated she could break up the amount owed to help me, after she stated verbally, that she was almost a month behind reading emails. So she didnt get my emails regarding my unemployment situation. I know she received them because I kept using the same email trend that she replied too. 

I didnt file a complaint against them either, as I should have, due to the unsuitable living conditions either. Pest infestation, dead roaches inside my fridge, inside my stove, inside my leftovers I would put in my fridge, all the mold that was never removed from the bathroom, that looked it was painted over, the bathroom sink never being fixed after the bad leaking it did, which I stil have the video of, and for not having the heater working at all during the cold temperatures, and I do have witnesses that will validate that I had created work orders, and the issue was never fixed. I had put in a request for the garbage disposal close to the beginning of my lease, and it was never done, I still have all the photos and screenshots. 

I never reported the issue, because I had hoped, since they were new to the property, it would take them a bit to get situated, and I wasnt going to be difficult with them. So I had hoped they would have just worked with me, and let me get this paid before it ever reported.
Product: Debt collection

I was charged for {$890.00} on XX/XX/2019 by Pro Collect. No idea why. Never received notifications of debt before that.
Product: Debt collection

HSBC Bank, XXXX XXXX XXXX has failed to provide valid confirmation through a contractual agreement containing my full signature that a debt is owed for a charged-off balance. I don't recognize any statement balances produced. HSBC Bank, XXXX XXXX XXXX is well aware that I dispute the full charged-off balance amount. HSBC Bank, XXXX XXXX XXXX continues to report a charged-off balance amount and write-off at the same time. HSBC Bank, XXXX XXXX XXXX failed to notify me in writing when the charge-off balance was transferred and to whom should be the proper party to contact, as HSBC Bank XXXX XXXX XXXX XXXX asserts to no longer service this charged-off account balance appearing on my credit reports. HSBC Bank, XXXX XXXX XXXX is causing damaging harm to me and refuses to produce any evidence that a contract agreement containing my signature exists.
Product: Credit card

Subject : Complaint Regarding Unjustified Closure of Multiple Credit Accounts and Resulting Financial and Reputational Harm Dear Sir/Madam, I am writing to formally file a complaint regarding the closure of multiple credit accounts by Chase Bank without notification or proper investigation. These actions have severely impacted my financial stability, damaged my credit score, and caused reputational harm. Below is a statement of facts detailing the events that transpired : Unjustified Closure of Credit Accounts : Chase Bank closed multiple credit accounts under my name without any prior notification or investigation. 

This abrupt and unjustified action has had significant financial consequences, including the destruction of my credit score and the prevention of access to essential financial facilities. 

Discrimination Allegations : The closure of my accounts appears to be influenced by gender discrimination and religious discrimination. A Chase Bank employee indicated that the corporate office and back office trusted her solely because she is a woman, without conducting an impartial investigation. 

This employee also stated that she has closed many customers accounts if she did not like their actions, further demonstrating potential abuse of authority. 

Efforts to Address the Issue : I contacted Chase Bank immediately to explain that I had not made any inappropriate comments or threats and requested that my accounts remain open. 

I also urged Chase Bank to investigate the actions of the employee responsible for these closures. Both the employee and I are immigrants from the same region currently experiencing civil war, yet I have never insulted or threatened her. Instead, I requested that Chase Bank review the feedback of individuals who conducted transactions with me at the XXXX and XXXX branch, as well as the branch on XXXX XXXX. 

Impact on Financial Stability and Reputation : The uninvestigated and unjustified closures have caused severe financial distress, including limitations in accessing financial services and damage to my reputation. 

The actions of Chase Bank have defamed my character by creating the impression that I engaged in misconduct warranting account closure, which is entirely untrue. 

Complaints Filed : I have filed two complaints regarding this matter with the following reference numbers : XXXX XXXX and XXXX XXXX. 

Request for Resolution : I request that Chase Bank reinstate my credit accounts, thoroughly investigate the actions of the employee in question, and take appropriate measures to ensure no future instances of discrimination or unjustified closures occur. 

I also request that Chase Bank compensate for the financial and reputational damage caused by these actions and provide documentation explaining their decision-making process in this matter. 

Chase Banks actions have caused me significant emotional distress and financial harm. The lack of proper investigation and reliance on discriminatory practices are unacceptable. I trust the Credit Department will take the necessary steps to address this issue and ensure compliance with federal laws and ethical standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX claims I own them {$1000.00} but it's fraudlant they told me if I can prove I never owned a XXXX XXXX account that they would delete this because that's where the payments were being made from I have all the proof and a police report