23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Called for help spoke to XXXX, transferred by XXXX to someone who was supposed to help me with the orginal reason for my call! I was hung up on by the next person when I complained about the hold time and improper transfer. I can not access the account online. I was told by XXXX would take up to 30 days to fix my address. Called back this time spoke to a XXXX who could help me and supposedly did -we will see. XXXX promised after what I need is done my account with them will be back protected in 15 days. Why did I have to call back or get hung up on? Why is this the worse customer service ever. Automated takes info and yet you still have to provide more multiple times!
Product: Mortgage

PHH mortgage service has failed to update its records of my account being past due in XX/XX/XXXX and XX/XX/2012 despite my providing documentation of error and request to then and XXXX to correct. In late XX/XX/2012 our servicing was moved to PHH from XXXX. We made timely XXXX payment of XXXX on XX/XX/XXXX and on XX/XX/XXXX we made a combined XX/XX/XXXX and XXXX payment of XXXX. No payments were late. Attached is copies of bank statements showing amounts were paid electrically. Please correct this error This error occurred when servicing was being moved
Product: Debt collection

The collections amount shown on my credit report is incorrect. The judgement amount owed by me to XXXX XXXX XXXX ( XXXX XXXX XXXX & Blakely & Witt ) is only {$2200.00}. Yet, they instead reported to all 3 credit bureaus the amount of {$5200.00} double the judgement amount against me. This collections record is for an apartment eviction. Because of my inability to pay such a large amount I have been living in hotels and in some cases had to sleep in my car because no apartment is interested in taking me as a tenant because of this falsified record. This has effected my way of life and well being.
Product: Credit reporting or other personal consumer reports

I am a senior citizen and my age and lack of knowledge about how credit reports work led me to this situation where i have become a victim of identity theft and i haven't been able to notice it as there are accounts that have been there for a long time currently my report is about the XXXX account hat has reported late for a long time now and it is in all 3 bureaus, please remove this account as i have no knowledge of this account. I have already filed a police report as well as identity theft report. please remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies in these accounts and my consistent requests for a thorough investigation, I have yet to receive any resolution or corrective action. These erroneous accounts are significantly damaging my credit file and severely impacting my ability to live a normal life. 

The negative consequences of these inaccuracies have caused considerable hardship for me, and I am now urgently seeking your assistance in rectifying this situation. I respectfully request that you conduct a comprehensive investigation into each of the disputed accounts and take the necessary steps to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control of my financial well-being. I strongly urge you to give this matter your immediate attention and take swift action. 

Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Mortgage

My loan is currently serviced by Ocwen Loan Servicing. Ocwen Loan Servicing has failed and refused to act on my request for reinstatement and payoff quotes. The request was made to Ocwen Loan Servicing on XXXX XXXX, 2015. I tried to make contact with Ocwen Loan Servicing numerous times and was told that they would not speak to me due to the fact that this matter is in litigation and there are certain litigation codes on the file. Ocwen Loan Servicing advised me to contact their law firm XXXX, XXXX XXXX XXXX, XXXXThat law firm can not talk to a represented client. So the bank advises me to talk to their lawyer to remove their litigation codes, but their lawyer can not ethically and professionally speak to a represented person. This is just another example of Ocwen Loan Servicing stonewalling and not complying with the national mortgage settlement. 

My loan number is XXXX state of Florida , County of XXXX case number is XXXX
Product: Mortgage

Obtained 2nd mortgage ( No Doc ) via CitiMortgage in XXXX We requested $ XXXX, but broker up sold us to $ XXXX at 6.5 % and convinced us of its advantages due to our excellent credit During recession, second mortgage payment became unaffordable. 
Initiated modification process in XXXX Have submitted all docs upon request and resubmitted repeatedly after continued loss of docs by CitiMortgage. This process has continued for 9 YEARS and CitiMortgage still has not offered any solution. 
We have retained the services of 3 different law firms to represent us ( since communications with Citi turned out to be impossible, attorneys had given up ) We  have been through over 70 CitiMortgage representatives over the years promising a quick modification resolution ( all records and emails available upon request ). 
Settlement ( as requested ) finally offered by CitiMortgage ( via email ) in XXXX. Our attorneys immediately followed up to discuss, but again - NO RESPONSE from CitiMortgage. 
Presently, situation remains unchanged ( of course, they are continuing to ask for updated docs ) We feel CitiMortgage has stalled for 9 years waiting for house values to rise in XXXX XXXX. 
As a result of the above, we feel Citimortgage has not done business in good faith, as prescribed by law.
Product: Credit reporting or other personal consumer reports

TRAFFICKING VICTIMS LETTER TO CONSUMER REPORTING AGENCIES Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Georgia XXXX XXXX : XX/XX/XXXX SSN : XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Collection Accounts XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XXXX XX/XX/XXXX {$720.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$970.00} XXXX & XXXX XXXX XX/XX/XXXX {$140.00} Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Numbers XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Inquiries 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Repossrting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX [ email address XXXX Enclosures : Proof of identity A copy of driver 's license Trafficking documentation o A self-attestation that you I am a victim
Product: Money transfer, virtual currency, or money service

I'm not sure if I'm in the correct category. 

Company : Coinbase Inc. 
XXXX XXXX XXXX. 
# XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have had an account with Coinbase for many years, but in the past few months they have created a situation that makes it next to impossible to get my funds out. They say, " It's increased security for your good! '' That would be fine if it was even close to workable. They repeatedly lock/block me from using my account for no reason. You can never reach anyone above the first level of support and are always promised the next level up will reach out via email. Those emails never come! 

A XXXX  of weeks ago I spent XXXX hours on the phone desperately trying to get my account unlocked. The individual insisted I needed to change my phone setting to get a clear picture. Each time I'm locked out I need to take a selfie holding a piece of paper with the statement, " For Coinbase Verification Only '', while holding my drivers license. While this may seem simple it is far from simple as you need to have the drivers license and your face in focus. I couldn't find a setting he repeatedly told me to change so I asked what type of phone he had. He sated he had an XXXX, I also have an XXXX. I asked him to open his camera settings and guide me to the setting that required changing. He replied, " I don't have that information! '' That's just XXXX of many examples of how they refuse to help their customers. After about XXXX tried he stated he had an exceptable photo, but the system refused it because of too many attempts. 

I waited a XXXX  of days and tried to log in, couldn't and waited a XXXX  more. No email arrived ever. I kept trying. I finally got in yesterday and was able to move some assests out to other accounts. 

This morning I woke up and discovered I was once again locked out of my account and the wa an email with instructions on getting unlocked. I had to take photos of front and back or drivers license and a selfie. All photos were crystal clear, but their system once again rejected them. 

I called and spent almost an hour on the phone going round and round with the guy. He was supposedly back and forth with the next level support person. He finally told me to wait for an email from the higher support which would arrive in a week or so. 

This attitude toward customers where personal finances are affected is irresponsible and should not be allowed. 

Please get my account unlocked so I can move my funds elsewhere and close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as Equifax 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXXXXXX ( Original Creditor : CITY OF XXXX XXXX XXXX XXXX Balance : {$320.00} ( Original Creditor : ) XXXX Balance : {$300.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX THE XXXX CO XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXXXXXX XXXX XXXX XXXX  XXXX - {$0.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Student loan

To Ed Financial Services XXXX XXXX XXXX XXXX, TN XXXX Re : XXXX This letter is in response of your documents sent to me on XX/XX/XXXX. As I stated before in my previous communications with you. I CHALLENGE THE ACCURACY, COMPLIANCE AND REPORTABILITY OF YOUR LISTING. THIS IS A FORMAL NOTICE THAT YOUR CLAIM IS BEING DISPUTED. 
Please you need to validate this information with the schools and provide me copies of any documentation associated with this listing with my signature. YOUR DATA IS INCORRECT. 

You had 15 dates/items listed under Ed financial which you sent to XXXX credit bureau under my name. I forwarded this information to Consumer Financial Protection Bureau. Please contact schools you name in your listing and send me the correct information XX/XX/XXXX and XXXX XXXX which you claimed XXXX Please need valid information from XXXX because this listing is wrong. LISTING IS WRONG AND INACCURATE. PLEASE VERIFY. 

On XX/XX/XXXX was withdrawn from the program within time frame due to family illness. Went back to the school in XX/XX/XXXX till XXXX. Please need accurate information from the XXXX XXXX XXXX with my signature showing days attended and withdrew. 
YOUR LISTING IS WRONG AND INACCURATE On XXXX XX/XX/XXXX was attended. By end of XXXX was withdrawn from the program the first semester. Did not attend XXXX. Please get validate information from the school with my signature on it. YOUR LISTING IS WRONG AND INACURRATE! 

Parent Plus Loan. This loan was paid by the student, multiple loans had been forgiven and Ed financial had not been updated nor changed the information in my credit. it was reported to credit bureau that I owed {$150000.00}. the amount was incorrect. Ed financial refused to change it. instead he sent a new report to credit showing I owed {$280000.00} in school 's debt
Product: Money transfer, virtual currency, or money service

I opened an account with Ace Check Cashing services about 8 years ago. My spouse XXXX XXXX and I both were depositing our paychecks and her social security checks into an account the last four digits of that card being XXXX. XXXX passed away XX/XX/XXXX. I tried using the card on XX/XX/XXXX and the card was declined due to the account being closed. I visited the store on XX/XX/XXXX and was told the account had been closed down due the person whose name was on the social security checks ( XXXX XXXX ) was not deceased. I asked them how was that possible when I was the primary information on the account and the person that opened the account. They only told me, the remaining balance of XXXX would be held for 120 days and I could come back then to discuss. I recently visited the store and requested the XXXX balance but was told they did not have any information on me in their system.
Product: Vehicle loan or lease

I purchased a XXXX XXXX from XXXX XXXX XXXX in XXXX of 2016. Upon receiving the car I continuously had mechanical problems. The car was continuously in the shop with the problem persisting. I missed time from work because I was unable to drive the car due to the mechanical issues. I then moved to Ga and continued to bring the car to the shop. I contacted VW customer relations and was working with a manager I told them constantly I no longer wanted the car because it was inconvenient for me I preferred another car or my funds back. I contacted a lemon law lawyer who begin working on my case. During the time he was working on my case I turned the car in not knowing that it would cause him to stop working on my case. The car was sold and I was never notified about the car being sold I dont know where or for how much. I would like this off my credit due to the fact that the car was in fact a lemon.
Product: Credit reporting

In my most recent Experian Credit Report I viewed several accounts ( loans ) that I paid in full still reflecting as open. I requested Experian to send me my most updated Credit Report and as of today they have not complied with my request. If these accounts are not reflecting correctly on my Credit Report it is damaging my Credit Worthiness and Credit Score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of idenity theft by a family member which im currently seeking legal action
Product: Credit card or prepaid card

I applied and received a Capitol one XXXX card in XXXX of XXXX and did not use it until I went on Vacation in mid XXXX of XXXX. On the way from the airport I used the card 4 times and had no problem, but the following day when I tried to use it, it was declined. I did not receive any kind of alert to my email or their app. I called to find out what the problem was and was just told that my account was flagged for possible fraud and someone would call me in 7 to 10 business days. Well, after getting irate with them someone called a few days later and said that I would have to provide them with copies of my license, bank statements, SS card and proof of residency ( no sexure likk was provided ). Mind you that I live in Ohio and was in California at the time.So, in XXXX of XXXX I had to call again and got the secure link and sent the copies but was told on the phone that I had the option to send utility bill or bank statements and did not sent statements. But still the account is restricted, so I called again and sent the statements. Also, no one has told me why this happened and no one ever reaches out to me if and when they need more information, it has been all me calling a couple of dozens of times. This is been going on for about 7 weeks now. Also to this point between the application and this fraud " investigation " I have provided W2s, pay stubs, 2 sets of bank statements, ID, utility bill and SS card and as I write this, my account is still restricted.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally file a complaint regarding ProCollect Inc. 's potential violations of both Texas state law and the Fair Debt Collection Practices Act ( FDCPA ). This issue requires your immediate and thorough attention, as it concerns both unlawful debt collection practices and false representation that has harmed my credit standing.

I have reason to believe that ProCollect Inc. is not compliant with the Texas Finance Code, Section 392.101, which mandates that third-party debt collectors must file and maintain an active surety bond with the Texas Secretary of State to lawfully engage in debt collection activities in the state. Based on my research, I have found the following : ProCollect Inc. 's bond, filed under File Number : XXXX, was canceled on XX/XX/XXXX. 
Another bond was filed under File Number : XXXX on XX/XX/XXXX, but its current active status is unverified. 
If ProCollect Inc. is indeed pursuing debt collections without maintaining an active bond, they are in clear violation of Texas state law, and such actions may also constitute false or misleading representation under the FDCPA ( 15 U.S.C. 1692e ), which prohibits debt collectors from making any false claims related to their authority or status.

Moreover, ProCollect Inc. has reported a debt on my credit file that appears to be associated with these unlawful practices, potentially damaging my financial reputation. This misrepresentation must be rectified immediately, and I am requesting the prompt removal of this account from my credit report to prevent any further damage to my financial standing.

I am requesting an urgent investigation into ProCollect Inc. 's practices to ensure full compliance with both state and federal laws. Should you require any further information or documentation to support my complaint, please do not hesitate to contact me.

Given the serious nature of these violations, I expect a swift response and a thorough resolution to this matter. I trust that Consumer Reports will act on this complaint with the utmost urgency and attention to detail.

Thank you for your prompt attention to this matter.