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

Hi, Coinbase has locked our account since XX/XX/2017. They had requested that I provide proof of residency documents, which were submitted right away. I have attempted multiple times to contact them and have been unsuccessful. They have been unresponsive to the support ticket and requests to get an update. I have money in my digital wallet with Coinbase and need them to restore my access. 

Thanks, XXXX XXXX
Product: Mortgage

because of the pandemic, which resulted in a lockdown of the ecnomy my wife was furloughed from her job and my XXXX a XXXX XXXX XXXX was crippled all non essential workers was barrred from leaving their homes.So we made our XXXX mortgage payment and then opted to use the forbearance provision of the Cares Act as we applied for unemployment insurance to help with household expenses.It took 5 to 6 weeks before we heard from the state due to the backlog and faulty system.When opting in the agent for the servicer explained to me that before the initial 90 days period ended if you needed more time to call and communicate that to them which I did and even went on line to fill out the request on their website.in response I got a form outlining a loan modification, something I never asked about or mentioned the days we have under the Cares Act for forbearance have not been exhausted and we are hoping things will turn in the right direction soon.In the meantime Florida where we live has become the epicenter of the virus we need more time because of the uncertainty of maybe a full shutdown again we want to be treated fairly according to the Law.I feel they are trying to pressure us into agreeing to something we do not want.
Product: Mortgage

This is a follow up on the original complaint number : XXXX XXXX XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE LOAN NUMBER ; XXXX ( SPECIALIZED LOAN SERVICING ) INVESTOR ( XXXX XXXX ) According to the servicer the investor listed on the mortgage note is XXXX XXXX . XXXX XXXX has denied that they are the investor and the loan is serviced by Specialized Loan Servicing. 1. According to Specialized Loans Servicing, XXXX XXXX does not allow a recast on this loan. XXXX XXXX has repeatedly stated they are not aware of this guideline. 2. Specialized Loan Servicing took a payment on XX/XX/XXXX for the month of XXXX, XXXX stating that payment will allow the loan to be setup for a bi weekly payment. On XX/XX/XXXX XXXX the servicer request a payment be made and applied towards XX/XX/XXXX mortgage payment at which stage a bi weekly payment will be allowed. At this point they have taken two payments and they are not able to setup a bi weekly payment for the month of XXXX on Specialized Loan servicing has not clearly described the reason why the loan is ineligible for a recast.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I have the right to take these actions to protect my credit and personal information. Please find the details of the accounts I request to be blocked and deleted : Accounts : 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 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

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$530000.00} - Late/OpenXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXXXXXX Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXXXXXX Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00} - XXXX /Open XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I mailed documents to Equifax for an account that does not belong to me. In that dispute I included proof that XXXX XXXX XXXX failed to validate their account and I have never received goods or services from this company. 
I thought it would be an easy fix. But, to my surprise Equifax verified the account as accurate and refused to provide any documents supporting their results. 
After EXTENSIVE research I've provided more proof to Equifax proving XXXX XXXX  XXXX were sued and are out of business. The account also states sold on my credit report. I have no idea who is updating this account. 
This account was removed from XXXX  and XXXX  without any problems since XX/XX/XXXX. 
on XX/XX/XXXX. I called Equifax because the account was not only verified as accurate, they even added on-time payments for a year. I have not made any payments on this account. 
I spoke to XXXX who was very helpful then I was transferred to XXXX in the fraud dept. XXXX was very rude. I asked XXXX to transfer me to a manager/supervisor and XXXX was even more rude than XXXX. They each kept calling me ma'am even after I stated several times that I am a man. They each apologized after being corrected by me. XXXX harshly said mister as if it was funny. 
I pay a monthly membership to Equifax and I have never encountered anything this terrible! XXXX assisted me with properly filing a complaint. 
I was just calling because I need to know how this account was verified after all the proof I've submitted?
Product: Credit reporting or other personal consumer reports

Equifax is currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the XXXX XXXX of Georgia stated that they did not provide information to Equifax and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Product: Debt collection

XXXX XXXX XXXX XXXX has sued XXXX XXXX for purported damages to a leased vehicle that either do not exist or were inflated. Any condition of the car resulted from normal wear and tear for which XXXX XXXX was not liable. XXXX refuses to supply the only evidence that it claims it has/had to show damage -- but refuses to provide : actual pictures of the damage. It appears that XXXX is seeking to collect money not owed in a deceptive fashion. Scores of other consumers are making similar complaints as reflected in XXXX reviews : ( XXXX ) Simultaneously, XXXX reports delinquencies to XXXX XXXX XXXX credit reports that bear no reasonable connection to the purported debt. XXXX is reporting a balance of {$64.00} on XXXX XXXX 's credit history but has sued her for {$2300.00}. Aside from misrepresenting dollar amounts, XXXX is misrepresenting the identity of the creditor to XXXX XXXX 's credit.
Product: Checking or savings account

I signed up with XXXX ( Chase Bank ) through a referral offer from a business associate on XX/XX/23. The terms are of the offer are below. I met all of the requirements and I continue to get no response from XXXX when I inquired about the {$200.00} bonus. There phone number goes directly to voice mail suggest to contacting them through chat / email. It's been several weeks and I continue you to get no response. 

" To be eligible to receive the {$200.00} cashback, a user must successfully register to XXXX using the link above, and successfully complete their first payment of at least {$200.00} via XXXX XXXX, and such payment is not charged back or refunded. Eligible users will receive the cashback by bank deposit. XXXX reserves the right to end the promotion ahead of time or to make changes or additions to this promotion for any reason at any time. This promotion is available only to new users who have signed up to XXXX using the link above. XXXX reserves the right to withhold payment of rewards in case of fraud or abuse and subject to their Terms and Conditions. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have used XXXX XX/XX/XXXX XXXX XXXX to file my federal and state income tax for several years This year, XXXX XXXX offered free services with Credit Karma for the purpose of monitoring my credit reports. I decided to sign up for an account, using my email address, XXXX. This has been my business email address since 1997, and is associated with my XX/XX/XXXX at XXXX. I attempted to set up an account using that address, but Credit Karma responded that an account was already established under that email address. I thought I had perhaps set up one previously, so I clicked on the " forgot password '' link. A reset link was sent by Credit Karma to XXXX, with the salutation on the email being " Hello XXXX. '' I have no idea who XXXX is. I tried to reset the password. Year of birth and last four digits of my social security number were required, but when I attempted to reset the password, the program replied that someone else had already established an account using my email address. I immediately contacted Credit Karma, but was told that if I wanted to create an account, I would have to use another email address. I told them that the address already in use was mine, and that I had never authorized anyone else to use it. The response was the same -- that I would have to set up a new account using a different email address. I want to make it clear that this email address belongs to me, and if someone else is using it, they have stolen my identity, and Credit Karma is complicit with this theft.
Product: Mortgage

To Whom It May Concern, In XXXX we faxed documentation copy enclosed, to Statebridge for a modification application. After no response from Statebridge for XXXX, XXXX, and XXXX we had no other options to file a complaint with the Consumer Financial Protection Bureau. 
On XXXX XXXX, our counsel contacted us regarding a letter dated XXXX XXXX, XXXX from servicer, " Statebridge '' on missing documentation. On XXXX weekend we faxed the required missing paperwork on XXXX XXXX, XXXX. 
Our counsel was never given to the loss mitigation department 's contact information, and on XXXX XXXX, our counsel tried several times to contact Statebridge 's counsel. He left several messages, and none of his phone messages were returned. Finally, he contacted Stagebridge on the only contact phone number given and this is the servicer 's customer service line, he wanted to verify that the loan modification application is complete. He was told : " You will have to contact our counsel, and I ca n't transfer you to loss mitigation department '', says XXXX, a manager. This is a typical example where Statebridge neglected to communicate with our counsel on missing pages which resulted in the foreclosure of our home. Servicer did not demonstrate reasonable diligence when obtaining documentation and information to complete the application, which resulted in foreclosure of our home. 
On XXXX XXXX property was foreclosed due to missing pages that was not included in the fax. The most recent pages that were available and were sent immediately to validate that we had all pages needed to avoid foreclosure, copies enclosed. All 6 months of bank statements of both owners, profit and loss, including the XXXX tax return. Documentation was ready and available for Statebridge, including my Social Security XXXX Benefits, and our school aged daughter 's benefit was also enclosed to validate our income. My daughter and her father have the same last name, this is classic example on Statebridge 's negligence towards how they do not communicate with us on pages they received or pages missing for completion of our modification process. 
Servicer is simultaneously evaluating the homeowner for a loan modification while avoided, rushed and pushed through to foreclose the home. We never received any communication from servicer except the letter dated XXXX XXXX, as a homeowner I am confident that the banks accepted the Government Bailout in lieu of rendering the homeowner homeless. Many banks seek relief from the bailout and received billions of dollars from the Government only to enrich their own pockets. I am a homeowner that this bailout was intended to rescue, but instead Statebridge has taken the Government Bailout and today, I am considered homeless homeowner, displaced by Statebridge 's negligence. 
Our mortgage is a FHA fixed with interest rate of 8.5 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is violating the FCRA. Equifax is furnishing inaccurate/unverifiable personal information on my consumer report.
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. 

Account Name : XXXX  Account Number:XXXXXXXX  Account Name : XXXX Account Number:XXXXXXXX  has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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. 1681s-2 ( 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.
Product: Student loan

I finally paid off my perkins loan through ACS in 2017. ACS sent me an email that my tax form is available online only. I go to sign in to retrieve the form and I learn that ACS is now managed by Conduent. 

Every time I try to sign in it says the site is currently unavailable for the past month. So I try to reset password and it says I do not have an account there. Then I try to register and it says I have an account already. 

I try to call their customer care center and it is just an automated service with only ONE option - to hear your account summary. But they can not find the account. 

I try to email them, but it just says " Thank you for your feedback '' and no response for weeks. 

I want my tax form for this loan I finally paid off! Please help.
Product: Credit reporting or other personal consumer reports

Im trying to buy a house and when my credit report came back, it stated I XXXX  XXXX received a late payment which is false. I set up automatic payments so it comes off same day every month. I have called and was told I was never late, but they dont have letters that state that. Only credit reference letters.
Product: Credit reporting or other personal consumer reports

I am writing to address a distressing issue regarding my credit report that has had a significant impact on my mental health and well-being. I recently discovered an unauthorized item on my credit report, which has caused me immense stress and contributed to feelings of XXXX and thoughts of XXXX 

The unauthorized item in question resulted from the unauthorized use of my personal information, leading to its inclusion on my credit report without my consent. Despite my efforts to rectify this situation, including sending letters over 30 days ago, I have yet to receive a satisfactory response from your agency regarding sufficient validation of this account. 

It is imperative to understand that the presence of this unauthorized item on my credit report not only violates my rights but also exacerbates my mental health struggles. Furthermore, this account violates the Fair Debt Collection Practices Act ( FDCPA ), as it was reported without proper validation and authorization.
Product: Mortgage

- was in forbearance during XXXX -signed a deferral agreement in XXXX XXXX XXXX XXXXstarted making payments since XX/XX/2021 as per agreement signed -account is still not up to date and all payments have been made -every time I ask a representative on the phone about when the account will be up to date and restored online and all, they can never give a concrete answer and even when I speak to a manager, they keep saying the same thing over and over again that it is in processing and should be up and running soon, its been about 6 months. They are the worst mortgage company I have ever dealt with. I know others that were in forbearance and they were up to date a week after signing the deferral agreement.
Product: Credit reporting or other personal consumer reports

Following accounts i demand be immediately removed. 

XXXX XXXX {$1200.00} XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There was a charge for {$5800.00} from a XXXX XXXX XXXX account I know nothing about, and never opened. I filed a dispute and received notice that the investigation found no issues. I have screenshots of this account I can provide if helpful. Experian was not helpful and did not resolve my issue even after being told by XXXX XXXX XXXX that I needed to contact that credit bureau.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : 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 ( Equifax ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting.

I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately.

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i.

Thank you for your urgent attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a recent review of my credit report, I have noticed some errors. Please make the following changes : XX/XX/XXXX, I realized someone opened the TJ MAXX credit card under my name, left an unpaid balance and leave a negative effect on my credit report. I contact The Synchrony Bank : and make a Payment of {$170.00} today date XXXX 
Ref # XXXX. The account is closed. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scam to rent a house the guy who claimed to be the owner asked to wired him the money to get the to rent this house but it never happened so I called my bank to let them know what had happened so the chase bank wont dispute my money or try to fix the issue please help me and my family I had wired transfer this person this money thinking that I was going to get my kids and my family a good home to live this guy contacted me by phone please help me. I had send this person {$1100.00} dollars for what he said was for applications fee and to secure the house and my and my husband send him {$850.00} for first rent this guy got away with about {$2000.00} dollars from hour hard working Money please help. The guy email me what seems to be a dale lease and the information I have from this guy seems to be fake I dont understand why chase bank wont help me.