23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I was a co-signer on an auto loan purchased XX/XX/XXXX and financed through XXXX XXXX XXXX. Shortly afterwards XX/XX/XXXX Tropical Storm XXXX came through XXXX and flooded the vehicle. The owner was paying the car note but failed to maintain full coverage insurance on the vehicle because it was not being driven and he was going through a temporary hardship, however the car note never failed to be paid. Unfortunately the vehicle was flood during this catastrophic flooding that affected the entire XXXX area and with no insurance the vehicle was picked up by XXXX XXXX XXXX and sold. Years past and that vehicle sat on my credit report for 7 years. XX/XX/XXXX I had a hardship and I filed for Chapter XXXX Bankruptcy when I started my bankruptcy this was not listed on my original credit report pulled by my attorney, therefore it was not listed under my secured payments to be made, however I have just found out that after 10 years this collection company Cavalry Portfolio Services LLC purchased the debt from XXXX XXXX XXXX submitted a claim against my bankruptcy and has been receiving payments. From my understanding as a Co-Signer on the original loan they should not be attempting to collect in my bankruptcy Chapter XXXX. Also this non government collection is over 15 years old. I have called the collection agency and no one will speak to me or assist me in answering my questions. I get attitudes from management and they talk to me as if I ca n't do anything about this and then they hang the phone up in my face. I have heard chuckles in the background when I call as if I am a joke and who cares. I need help please. I wholeheartedly believe based on all the rules and laws I have read about my bankruptcy this company has broken the law. They have missed the statue of limitation for suit, why is it that they can claim against my bankruptcy after so many years and still remain on my credit report. Even the attachment I have included stated that they will not report to credit agencies however they are reporting to Credit Bureaus ... ... .Please, Please Help Me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last four of social security number : XXXX ... ... Both creditors XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX  have requested their tradelines be removed from my credit report, due to the accounts being established fraudulently. However, you are still reporting the negative fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report have the wrong name. address and phone number on my credit report. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX De XXXX and phone number is XXXX. The other information is incorrect
Product: Student loan

Navient did not send me a warning that my IBR plan was expiring and did not send me a bill when my payment was due. When I tried calling it said they were " temporarily closed '' and did not say when they would re open.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 an unauthorized access to my coinbase account occurred. I only discovered it when I was notified that a transfer from my bank account in the amount of {$28000.00} had been initiated. ( I received an email to that effect ). The unauthorized access was a result of a FAILURE IN COINBASES SECURITY AS THE REQUEST FOR XXXX AUTHENTICATION CODE WAS NEVER RECEIVED NOR WAS THE EMAIL ASKING ME TO AUTHORIZE ACCESS TO A DEVICE. 
Once I became aware of the unauthorized access I logged into my account and discovered an illegal attempt was made to transfer {$28000.00} from my linked bank account. I also discovered a XXXX account added to my account that was not mine ( I do not use XXXX  ). I deleted the fraudulent XXXX account, and immediately. I notified coinbase following their instructions to disable my account and reported the fraudulent attempted transactions. 
I then contacted my bank and instructed them NOT to honor the fraudulent attempt to transfer funds. 
I was successful in preventing the fraudulent transfer, and received acknowledgement from coinbase that my account has successfully been disabled and NO FURTHER ACTIVITY WOULD BE ALLOWED. 
The following day the request for {$28000.00} arrived at my bank and was refused on my instructions. Clearly coinbase did not stop the activity even after the account was disabled. 
Shortly thereafter I received a notice from coinbase demanding that I fund {$28000.00} fraudulent transfer and if I did not provide the funds within 10 days, coinbase would sell my assets. 
I responded by explaining the breach once again, however my response was ignored and onXX/XX/2021 coinbase sold my remaining assets and in fact continues to demand I fund the fraudulent attempted transfer. 
I am unable to speak with anyone at coinbase and in fact there is no way to communicate with anyone at coinbase. All attempts to contact them have resulted in automated responses that do not address the issue. 
Further investigation by me concluded there were no viruses on my machine nor was my phone every out of my possession, so clearly the breach of my account was due to a FAILURE IN COINBASES SECURITY. 
What steps can I take to correct this issue and regain the assets that coinbase took from me illegally?
Product: Mortgage

I have been trying to work with PNC Mortgage for the past 3.5 years to get the loan on my home modified. PNC has given me the runaround for a very long time, and they continue to ask for documents I have submitted over and over again. They waited until now, not 3.5 years ago, but now to tell me that they will not review my last packet for modification because the investor on my loan does not participate in government assist programs. I have a government issued loan on my home and they refuse to help me. I 'm divorced and received the house in my divorce, so the property was quit claim deeded to me by my ex husband. PNC refuses to honor the divorce decree and quit claim deed. They are insisting that my ex husband be added to the modification. When my ex declined, they also declined to assist me. I have paid countless agencies to assist me but to no avail. PNC advised that their investor will not allow review of the packet but they refuse to tell me who the investor is. I needed to know the information on the investor so I could appeal to them to remove/cancel the XXXX XXXX sale date on my property for foreclosure. They wo n't help me. Today I received XXXX copies of the same letter dated XX/XX/XXXX from PNC telling me they can not move forward with reviewing my packet because I did not submit the requested information. I have sent the same information over and over every month for the past 3.5 years. Please help me. I do not want to lose my home.
Product: Mortgage

On XX/XX/XXXX I reached out to my mortgage company to obtain a payoff letter. I was directed to either fill out their online form or email their payoff department. I did both. I was notified on XX/XX/XXXX, that the title company still did not have the payoff. I called Rushmore who claimed they never received the request. I do have proof of the email being sent. I was told they would put in an expedited request and have a manager call me within 48 hours. XX/XX/XXXX and XXXX passed with no payoff nor a phone call from a manager. I called Rushmore on the 3rd and was sent to a managers voicemail. I left a voicemail for XXXX XXXX, who did return my call. He advised I would have a payoff later that day or tomorrow morning at the latest. I was informed by my title company that Rushmore sent over my payoff but with the wrong property information. So they have sent someone else 's personal information to my title company. It is now XXXX XXXX  on XX/XX/XXXX and I still do not have a payoff nor have I heard from XXXX XXXX. I am concerned that my personal information has been sent to the wrong person being they sent my person the wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed damages on my credit report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX  Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to dispute certain items on my credit report that I believe are inaccurate and should be investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report highlighting the disputed items for your reference. I have also asked all 3 bureaus to correct my personal information. My name and it's correct spelling, my date of birth, my address and employer... I also asked for all other incorrect personal information be deleted and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting bankruptcies on my credit report stating that the data furnisher being the XXXX XXXX XXXX Bankruptcy Court, which is false I have attached a letter from the US Bankruptcy Court verifying and stating that they do not furnish information over to the credit bureaus or to any credit monitoring services nor do they verify and validate any information concerning bankruptcies. Experian is falsely stating this information on my credit report and has yet to remove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$7200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, I signed up with TransUnion Plus yesterday, XXXX XXXX, XXXX Order number : XXXX I wanted to try the credit service and wanted the TRIAL version service but due to the fact the information is so unclear on the web site I may have signed up for the only service that I saw which was for the TransUnion Plus Service.

I have tried at least five times to contact Trans Union and each time they instruct me to call back in ONE Hour. They say that their system is currently down and they are unable to access my account to cancel the service. 
In addition to wanting to cancel the service I wanted to request that they " reverse '' the credit card since their web site is so unclear as to how to sign up for the TRIAL Membership Service. 

I appreciate your attention in getting Trans Union to be responsive with my request for cancellation and possible refund of their service. 

Sincerely, XXXX XXXX XXXXXXXXXXXX ( XXXX ) XXXX
Product: Mortgage

I have a complaint against a XXXX XXXX at Trustmark bank, XXXX XXXXXXXX, XXXX XXXX XXXX 
I have made several attempts to reach out to her and she will not respond. XXXX, buyers agent have also reached out to her with no response. XXXX had to go to the bank to discuss their concerns. XXXX  XXXX asked buyers agent for a 45 day extension due to XXXX loan. Property is a XXXX property, which I am the listing agent for, and they refused the extension. They did agree to a XXXX week extension and charged buyer a {$500.00} fee. 
XXXX XXXX told clients agent on XX/XX/2024 she was ordering appraisal which she did not do until XX/XX/2024. 
This has costs client {$500.00}, that XXXX  XXXX should pay, it is her fault that client had to get a XXXX week extension. 
I have tasks to complete on my end to foreclosure company that XXXX cant complete due to office not responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reaching out to let the credit bureaus know to knock it off this game they are playing with the banks. i am no fool i am aware the credit bureaus are being monopolized by the banks to dish out higher rates to consumers. i have been closely watching what has been going on with my credit for some time now and i have good information within my credit file reporting to the credit bureaus and yet every time i get close to hitting XXXX i get dropped and i even have a graph supporting my claim that shows score dropping every time i get close to hitting XXXX and every time i check why their is no explanation at all like seen in the image below
Product: Credit reporting or other personal consumer reports

In accordance the Fair Credit Reporting Act. The List of accounts below are violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account 's : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Personal information on each accounts addresses and number on credit report are completely inaccurate. - dates open are incorrect. -addresses on this report are incorrect & inaccurate. - Information on report is not showing. 15 U.S.C 1681 section 602 A : states I have the right to privacy. 15 U.S.C 1681 section 604 A ( 2 ) : states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 section c ( a ) ( 5 ) : states no consumer reporting agency may make any consumer reporting containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681-2 ( a ) ( 1 ) : states a person shall not furnish any information relating to a consumer to any reporting or third-party reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Company saying that I have debt of {$210.00} that I am have no knowledge of. According to FCRA section 609 ( a ) ( 1 ) ( A ) you are required t by federal law - through the physical verification of the original signed consumer contract any and all accounts you post on a credit report.
Product: Debt collection

On XX/XX/20, I applied for a mortgage and Medicredit was not reporting on my credit. 

On XX/XX/20 The lender repulled my credit and told me a new collection was on my report from Medicredit in the amount of {$170.00} On XX/XX/20 the original creditor ( XXXX XXXX XXXX XXXX XXXX  ) was paid. There is no existing balance on my account. 

On XX/XX/20 I contacted Medicredit to remove the collection since I worked with the original creditor to pay the debt. They said their company doesn't delete collections and only will marked as paid. 

On XX/XX/20, I am filing a complaint as Medicredit is in violation of FDPC, I was not notified in writing of this collection before it appeared on my credit report, I don't have an agreement or contract with Medicredit,  and the account they are attempting to collect has a XXXX balance
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. XXXX, Transunion, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX {$250.00} XXXX XXXXXXXX XXXX XXXX XXXX {$410.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00} XXXX XXXX {$6700.00} Date Opened XX/XX/XXXX **Inquiries** XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX at XXXX I requested a copy of the original sale agreement and was sent the retail installment contract. I then reached back out to the company at XXXX notifying the company once again that I am requesting a copy of my original sales agreement and not the retail installment agreement and I was sent a blank email with nothing attached. This is now my 3rd attempt to get a copy of my original sales agreement. This information was first requested via phone and I was then sent an email with this information that I did not request.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and found some unauthorized inquiries that were reporting. I have listed all of the inquiries that I would like removed. I am in the process of getting my first home and car for my family. Please review all of my documents and remove the inquiries that are listed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been stoned walling and unresponsive to all requests and attempts made to correct their erroneous reporting.
Product: Debt collection

I was told if I paid this debt they would remove the account from my credit report. They still have not done this and I have paid it and disputed the account. I want this removed from my credit report like the debt collector promised.
Product: Credit card or prepaid card

I made a charge on my Capital One Venture Credit Card in XXXX. The exchange rate was 12 % less than what was advertised by Visa. 

Per Capital One : They do not charge any bank fees on foreign transactions and the Visa rate should be the rate reflected on my transactions. 

MY charge is currently being disputed and took some pushing on my side for them to understand what was going on and even dispute the charge. But given the size of Capital One and Visa this could either be a honest mistake, that needs to be rectified quickly for many card holders. Or possible intentional fraud that can push millions in profits towards these companies that needs to be investigated and rectified.
Product: Mortgage

Curious why a XXXX XXXX Countrywide mtgage, XX/XX/year> for $ XXXX, is now at $ XXXX with XXXXXXXX XXXX ( latest refi ), despite not missing one paymt and even making additional paymt during the early life of the loan. Circumstances include two refi for INTEREST RATE REDUCTION ONLY. Thanks. er.
Product: Checking or savings account

Back in XXXX I received an email that a bank account was being opened with my information at Bank of America. They had my email address and my social security information. I immediately called and put a freeze to all of my credit cards and my social security number. I went to a BOA location and complained there. They showed me the account that was opened and I reported it as fraud. They said they closed the account and took care of the situation. Over the next few months I monitored my credit cards and social security information closely with no other issues. Then in XXXX I received another email that an account was being opened with my information again. I immediately called and filed a fraud complaint with BOA and expressed my frustration that this is the second time my social security number and information was being used to open an account. I have not had any uses or issues with my credit or social security number anywhere else other than at Bank of America. I have had to shut down my credit cards multiple times and not have access to my credit as well. I also just a few weeks ago received another email that the user ID being used to create these fraud accounts was disabled. I will be attaching photos of the emails. Please help me with this situation. Thanks.
Product: Credit reporting or other personal consumer reports

The inaccuracy on my file is weighing down on me and my credit score is just as low on the ground.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account several times XXXX XXXX account number XXXX. Transition is being a nuisance with disputing this particular account. Both XXXX and XXXX have deleted this account. I have submitted a FTC report, proof that the other bureaus have removed this account. I have no knowledge of this account, there is also no inquiry furnishing proof that this account was applied for.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.