23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo has not been reporting my home mortgage to the credit reporting bureaus.
Loan #  XXXX  is an automatic debit, never a penny missed in nineteen plus years. I attempted to resolve this last year with them ...  XXXX / XXXX /13 I was discharged from chapter   XXXX    bankruptcy having to file to stop a federal judgement for violating a noncompete.   XXXX   XXXX  ,  XXXX , MN presided.
My lawyer processed ALL documents necessary as we went through the process. WF claimed we did not. The bankruptcy had no bearing on my home or mortgage. My loan to pay my lawyers was reaffirmed at my bank and satisfied. My bankruptcy lawyer says WF is doing this to hundreds of his clients ... ..I want my credit to rebuild and reflect my perfect payment history! Please hold this evil empire to the fire and resolve my concern! I will, at my lawyers ' advise, be sending the  XXXX  credit reporting bureaus documentation of my loan history, if you deem this to be necessary.
Thank you
Product: Debt collection

Dear XXXX XXXX : I have called and left a message at the number listed in In response to # XXXX. I have. not been able to reach you by phone or email to further address this concern. It is not resolved. 

All credit reporting is voluntary and historically has been according to the CFPB and 15 U.S. Code 1681. Consumer reporting agencies assumed this role, no one from government appointed them to do this. An elaborate mechanism was developed. You have no authority to say that this voluntary reporting of my nonpublic personal financial information can not be opted out of being shared. 

You mentioned that you will be sending copies of statements. Please do not send any deceptive forms as that may be considered mail fraud. 

I ask that you send validation of debt according to 15 USC 1692g. As a consumer, I am aware that this is an alleged obligation that has yet to be validated pursuant to federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notarized Affidavit of Truth was sent via postal mail along with certified receipt to ARS Account Resolution along with Exhibits stating violations per USC 1692d ( 1 ). ARS Account Resolution is furnishing inaccurate information on my reports, ruining my reputation and causing defamation of character, resulting in not being able to get a home and financial crisis.
Product: Debt collection

I received a letter from a Company named Viking ( see attachment # XXXX ) claiming I owe them {$400.00} for damages I would have incurred when renting a car with XXXX in XX/XX/2016. As it can be seen in the receipt from XXXX, I returned the car with no damages noted XXXX see attachment # XXXX ). Between XX/XX/XXXX, date of the return, and the letter from XXXX, XX/XX/XXXX there was no correspondence from XXXX mentioning damages or any other problem with my rental. Besides, the letter does not provide any detail on the damages caused, nor how the determination was made I was responsible, despite the fact XXXX did not notice any problem when I returned the car.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, NJ XXXX XX/XX/XXXX S.S # XXXX XX/XX/XXXX To whom this may concern : It my great pleasure I want to inform you that You violated my right as a consumer! Please be advised that banking system is dependent on fair an accurate reporting Only! When you report inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances. Please be advised that YOU have assumed a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I reserve the right to privacy you shall not report ant transactions or experience between myself and the person making the report at all. The only way communication amongst other with common ownership it must be clearly and XXXX disclosed to me. You're reporting information on without no proof or investigation prior to these items being reported on my credit report. In addition, please reinvestigate the following items : 15 U.S.C 1681a ( 2 ) ( i ) -Definition ; Rules of Construction Account Name XX/XX/XXXX Account XXXX Account Name : XX/XX/XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number # XXXX Please re- investigate the accounts and remove them from my consumer report. There are multiple violations under the Fair Credit Reporting act .... I have attached the letter with the account names and account numbers with each violation, which enclosed my DL to identify myself. *** IN ADDITIONAL, I DO NOT CONSENT TO E-OSCAR VERIFICATION*** Sincerely, XXXX XXXX
Product: Mortgage

On XXXX, I sent an email to Prime Lending, Inc representative XXXX XXXX to inquire about the ability to use contingency funds to be used for additional renovations. On XXXX, XXXX stated, " Hey XXXX, From what I am seeing it looks like XXXX will be good to proceed with the additional items and then submit for them to be paid at the final inspection. Again, if it takes longer than XX/XX/10 it will incur an extension, but if he's able to wrap it all up before XX/XX/10 it would just be a one time extension charge. 

Feel free to give me a call if you have any questions Thanks XXXX " After receiving that approval, our contractor proceeded to undertake the additional items discussed. Once completed, the final invoices were tendered. Upon which, XXXX XXXX, another representative of Prime Lending sent the following email ( XXXX ), " Hi XXXX, Thank you for your email. I have received the completed final draw request form. I see the final requested draw amount is {$28000.00}. The remaining amount left on the project budget including contingency reserve is {$13000.00}. The difference of {$15000.00} will need to be paid out of pocket by the borrower. I will need a paid invoice showing the {$15000.00} has been received prior to disbursing the remaining funds on the budget. I will also need the attached conditional waiver completed and returned for the final draw. 

Below is a breakdown of the remaining budget and the disbursement history. 

Remaining Budget : XXXX XXXX - {$4200.00} XXXX XXXX XXXX {$9500.00} '' Having been completely sideswiped by this email, especially given that we ( the borrowers ) had asked to use contingency funds and both representatives indicated in writing that it was acceptable, I had a phone call with XXXX XXXX on XXXX for roughly 45 minutes to express my displeasure with the professional misconduct of Prime Lending and their representatives. XXXX indicated that he would request an extension of the loan to cover the amount. On XXXX, XXXX sent the following email indicating that management failed to approve the change that their representatives had approved to me, the client, " Hi XXXX, I am just getting back today after being out of office for a couple days. 

XXXX, it sounds like Management is unable to do a modification on a renovation loan. Would it be possible to give XXXX XXXX some more time to figure out a path forward? 

Thanks XXXX XXXX LOAN ORIGINATOR '' I have kept all of our emails and can supply any information you need to resolve this issue. I am uploading the pertinent items mentioned here but can supply all evidence. Just much of it is bigger than XXXX.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX  XX/XX/XXXX {$180.00} XX/XX/XXXX {$90.00} XX/XX/XXXX {$750.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$180.00} These were all disputes when the XXXX XXXX XXXX was cancelled XX/XX/XXXX, since the convention was cancelled the company did not provide services. 
The company also promised full refunds asap & now here we are FOUR months later still none - so therefore the credit card company should be working harder. 
I have attached the cancellation notice of the event & the responses to my disputes from Barclays who claim insufficient proof that the merchant has violated the invoice/contracts terms and conditions.
Product: Credit reporting or other personal consumer reports

I just learned that I had been one of the people who was impacted by the XXXX data breach and had been disputing these accounts for quite some time already. I have asked to please remove this from my credit because it doesn't belong to me and it has ruined my life I have been denied credit everywhere. I also have learned I have my right to dispute and ask that this be removed immediately by codes 15 U.S. Code 1681g
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment to XXXX XXXX XXXX XXXX on XXXX XX/XX/2019. The balance at the time was {$1800.00}. I paid {$1200.00} to bring my balance down below good credit reporting thresholds. I do this every month. The person or clerk that took the payment did not apply the funds to the account, or XXXX XXXX XXXX XXXX by force reported the prior balance to the credit bureau. This caused my credit score to reduce by 20 points and put me in dispute over the problem. I was forced into a conversation with the credit union over what has happened in previous months. The monotone that I get is very sarcastic and intentional. I also, asked about the payoff of another account that I hold with XXXX XXXX XXXX XXXX, and effects on credit. Both the credit card payment would have reflected good upon me, and the payoff arrangements for my other account. I am now forced to dispute this issue, and deal with troublesome attitudes from the institution.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally file a complaint against Upgrade , Inc., in relation to my Personal Credit Line from XXXX XXXX XXXX through Upgrade , Inc. On XXXX, I received an adverse action notice from Upgrade , Inc. stating that my credit line was no longer eligible for new draws. The reasons provided were : Serious delinquency, and public record or collection filed Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high Proportion of loan balances to loan amounts is too high Number of accounts with delinquency It is crucial to note that these items have since been deleted from my credit file after filing complaints numbered " XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, '' and more. Despite this, Upgrade has not reversed their adverse action. 

Violation of 15 U.S. Code 1691 - Scope of Prohibition and Discriminatory Activities This action by Upgrade , Inc., is discriminatory as outlined in 15 U.S. Code 1691. The adverse action was based on items that have been removed from my credit file. This means that the reasons for reducing my credit line are no longer applicable, but the action has not been reversed. 

Violation of 15 U.S. Code 1681m - Requirements on Users of Consumer Reports Additionally, I cite a violation of 15 U.S. Code 1681m, which states that the user of credit information must disclose the nature of the information leading to adverse action. While Upgrade , Inc., did provide initial reasons, they have failed to rectify their adverse action after the mentioned items were deleted from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal mobile phone account opened at Account at XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) on XX/XX/XXXX ACCOUNT # XXXX, with an outstanding balance of {$8700.00} and a Bank Credit Cards Inquiry : XXXX  XXXX, Date of inquiry : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

A debt collector directly reported to XXXX without sending any notices to us. 
I came to know about this devious activity only on XX/XX/year> after my credit monitoring and security provider sent me an alert message. ( attached )
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX  Important dates Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Bank Credit Cards
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXXXX/XX/year>
Product: Student loan

I was scam by XXXX XXXX XXXX XXXX. I was making payment to lower my student loan but turn out it was a scam i payed over 800 $ to them
Product: Mortgage

Mr Cooper failed to pay my insurance premium from my escrow account on or before the due date.
Product: Credit reporting or other personal consumer reports

Equifax Customer Data Breach ( Case XXXX ) I have been impacted by Equifax ( ID Theft XXXX ), my SSN being used as a personal gain. I have reported the criminal activity to the appropriate authorities. 

My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) Equifax received material, yet unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and continue sending stall letters, which is frivolous. 
XXXX XXXX Account # XXXX Balance : $ XXXX : XX/XX/XXXX XXXX XXXX/ Account # XXXX Balance : $ XXXX : XX/XX/XXXX I have found that Equifax has failed to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), which mandates that credit reporting agencies ensure the accuracy and integrity of the information they report. I am also concerned about the inadequate procedures your agency has followed regarding the investigation of disputes and the improper reinsertion of erroneous data, which has led to severe financial harm. 

As highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Equifax, which was filed for failure to properly address consumer complaints about inaccurate data, your agency 's handling of my disputes appears to violate key provisions of both the FCRA and the Consumer Financial Protection Act ( CFPA ), including failure to properly investigate disputes : Under 15 U.S.C. 1681i ( a ), credit reporting agencies must conduct a reasonable investigation into consumer disputes. The CFPB has alleged that Equifax, and likely other agencies, routinely engage in " sham investigations '' by accepting responses from furnishers without proper scrutiny.

I assert that my dispute has not been thoroughly investigated, and I have received ambiguous or incorrect responses regarding the accuracy of my financial data. The FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) prohibits credit reporting agencies from re-inserting information that was previously removed due to inaccuracies. Equifax has failed to implement adequate procedures that prevent the reinsertion of incorrect data, as noted in the CFPB 's allegations regarding Equifax. As a result, inaccurate information that I have disputed continues to appear on my credit report, negatively affecting my credit score and financial opportunities.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX via phone on XX/XX/year>, to request for hard inquires to be removed that I do not recognize or authorize.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has refused to comply with my opt out notice sent over XXXX month ago. 

They are reporting a charged-off account. 
This charge-off is a certificate of indebtedness. According to IRS publications, as well as XXXX XXXX XXXX where the law refers to permissible purposes, they are reporting my income and transaction history which is not permitted. 

This account has been requested to be updated to paid as agreed numerous times. 
Once again, I reach out to the CFPB to enforce.
Product: Money transfer, virtual currency, or money service

I am writing to request assistance in obtaining a response from Coinbase on the below matter. I have tried to contact them on my own without success. I feel defrauded and helpless after being unable to get ahold of anyone.

Comments on Coinbase Support : 1 ) When calling their phone number, every prompt selected results in a pre-recorded message followed by them disconnecting the call 2 ) When I emailed them, the representative did not acknowledge my message ( essentially the same as below ) and returned a comment how Coinbase does not charge a fee for cryptocurrency conversions. 

Cryptocurrency is extremely volatile I understand this. I have been playing with it for years and accept the large ups and extreme downs. However, upon looking back on a transaction that occurred on Coinbases platform, I feel that I may have been defrauded as a transaction took place well below the market prices during that day. While I approved the prompt on Coinbases mobile app to execute the transaction, I assumed it would be done at the market prices for both assets and did not recalculate their numbers for accuracy ( See attachment, from XX/XX/2019 for reference, showing prompt which does not clearly note exit price from one asset and entrance price in purchasing asset ).

Comments on Coinbase app : 1 ) They do not allow limit orders on their mobile app. I assumed that the market price executed would be the market price shown on their pages.

2 ) Per Coinbase support, We do not currently charge a fee for cryptocurrency conversions, where one kind of cryptocurrency is exchanged directly for a different kind of supported cryptocurrency.

3 ) Coinbase is registered as a XXXX XXXX XXXX with XXXX. This is a large factor in my reason for assuming their prompted conversion amounts were accurate and did not verify. 

Please see the attached XXXX prepared summarizing my recent Coinbase transactions. The transaction in question occurred on XX/XX/2019 at XXXX. Assets that were valued at {$2200.00} during the day were converted to {$1800.00} instantly. Based on my calculations, they exchanged my assets in a way that resulted in a 15 % fee in their favor.
Product: Credit card or prepaid card

On  XXXX   XXXX  , 2017, I  went t o Capital One credit card website to dispute a charge that was on my credit card. As I was trying to dispute the account I wanted to go back to the next window to get a phone number for the company that put the charges on my account. The word " cancel '' came on the screen so I pushed " cancel '' and instead of going back to the other screen while trying to dispute my account I pushed this word thinking I was going to go back to the dispute page. This cancelled out my credit card that had been using for the past two few years!! I called Capital One to see why I could not use my card they stated that there were fraudulent charges. I told them " no '' I wanted to go back and dispute the charges but the only button available was " cancel '' I asked to have my card reinstated because there were no fraudulent charges I still have the card. Capital One stated that th ey would send out a replacement card. It has been two weeks and I have been waiting on my card in which I need for emergencies but do not have at this time!!
Product: Credit card or prepaid card

I applied Capital One Venture card with 800+ credit score and clean credit history and got denied immediately left my credit report with a new hard inquiry. 

This happens for many people commented online citing that Capital One is out of room for new applicants. If that so, then please have Capital One stop recommending and marketing this product to avoid people applying and leaving a hard inquiry on credit report.