23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had engaged a mortgage lender and was incorrectly advised by this lender on a gift transaction. As a result they are telling me I am required to disclose additional information I was told I would n't have to due to this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below had violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 Account # XXXX - US Dep Ed, XXXX - XXXX XXXX XXXX, XXXX US Dept Ed, XXXX - XXXXt, XXXX - US Dep Ed, XXXX - XXXX XXXX, XXXX - XXXX, XXXX - XXXX XXXX, XXXX - XXXX, XXXX - XXXX XXXX, XXXX - XXXX XXXX, XXXX -XXXX XXXX XXXX - XXXX XXXX XXXX -XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 ( a ) ( 4 ) FCRA section 602 A ). states I have the right to privacy 15 U.S.C 1681b-a ( 2 ) ( section 604 A section2 ) : it also states a consumer reporting agency can not furnish an 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 ( they may only report crimes. Not " Debts '' ) which antidates the report by more than seven years is 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 information is accurate.
Product: Credit reporting

To whom this may concern, This is a follow-up to my previous letter sent to Experian on XXXX XXXX, 2016, which to date has not yielded a response. 

I am writing today because the address information on my credit report in inaccurate and this is causing me substantial headache when managing accounts at financial companies. 

Please update my address to : XXXX XXXX XXXX, XXXX XXXX, California, XXXX. I have been living at this address for over 4 years. 

Further, to avoid confusion with banks, please remove any other addresses or mark them as " former addresses '' if possible. 

Attached is the necessary identification, pursuant to XXXX XXXX XXXX XXXX, that establish proof that this account is mine and that the request for modification on my credit report is true and accurate.
Product: Debt collection

National Recovery Solutions has tried to contact me at work several times even though I have asked them not to call my work or it would get me in trouble. each time i told them this they told me no one has ever talked to me which is a lie. 


I spoke with them on XX/XX/XXXX and XX/XX/XXXX on my work line and asked that they not call me at work. Then they asked me to let them speak to human resources as soon as i told them to stop calling me a work as a scare tactic. When I told them that i was going to file a complaint he said I Don't know what for. I repeated because I ask that you stop calling me at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you in regards to the bankruptcy and charged off accounts that appear on my credit report. These accounts have caused me a great deal of distress, as they are preventing me from obtaining credit and moving on with my life. 

In XXXX, I filed for XXXX XXXX  bankruptcy ( XXXX XXXX XXXX bankruptcy account ) as I was unable to keep up with my debts. Since then, I have been working hard to rebuild my credit, and I have been making steady progress. 

However, I have noticed that several accounts that were XXXX in the bankruptcy are still being reported as charged off ( DEPT OF EDXXXX XXXX charge off account, XXXX XXXX charge off account, XXXX OF XXXX XXXX charge off account, XXXX XXXX XXXX charge off account, XXXX  XXXX XXXX charge off account, XXXX XXXXXXXX XXXX charge off account, XXXX XXXX charge off account, XXXX XXXX charge off account, XXXX XXXX XXXX charge off account, XXXX XXXXXXXX XXXX XXXX charge off account, XXXX XXXX XXXX XXXX charge off account ). These accounts should have been included in the bankruptcy and should no longer be listed as charged off. 

I understand that it can take some time for credit reports to be updated, but it has been several years since the bankruptcy was XXXX, and these accounts are still causing me a great deal of trouble. I would appreciate it if you could investigate this matter and remove these charged off accounts from my credit report. 

I have been making every effort to rebuild my credit and improve my financial situation, but these accounts are hindering my progress. I hope that you will take my situation seriously and take the necessary steps to correct this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i leased a vehicle with XXXX XXXX and made all the payments as agreed in our contract. Covid19 hit when it was time to turn the car in and i had a XXXX XXXX at home so i couldn't come in contact with anyone because no one knew what was going on with this new pandemic. I offer for them to come pick up the car and they came 8 months later. Now they're showing on my credit that i had a repossession when i made all 38 payments on time.
Product: Payday loan, title loan, or personal loan

They said I got approved for a XXXX loan, they was going to put {$490.00} they told me not to spin it, they want to get XXXX XXXX cards a $ XXXX one @ 2- {$50.00} dollars one, total came to {$600.00}, I only had {$100.00}, so they told me to get the 2, - {$50.00} one, a {$100.00} came out if my account, they never put the loan in my account, the bank said they had a check for {$490.00} they signed my name on the back of check etc.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year>. I tried contacting the creditor, but some accounts had already been given to a collection agency. I compiled my information and circled all the inconsistencies reporting on my credit report and filled out a Notice to Correct the Credit Report. On XX/XX/year>, I sent the following information to Equifax via USPS Certified Mail. The Tracking Number was # XXXX XXXX XXXX XXXX XXXX. The 35 days has passed and I have not received anything back regarding the following accounts that had inconsistencies. Under the Fair Credit Reporting Act, the CRA has 30 days from my receipt of my letter disputing and asking for the verification and validation of the debt, to correct, verify and validate the accounts I was contesting. According to the Law, failure to re-verify these items within 30 days constitutes reason to drop the information from my file. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 notice a charge off from XXXX XXXXXXXX XXXX reporting on my credit reports. A charge of is considered a certificate of indebtedness. According to the Internal Revenue Services, if debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, i must report the canceled debt on my tax return for the year in which the cancellation occurred, which is considered income. Income can not be reported on my credit report so the charge off must be removed. 

My credit utilization is reported on my credit report. It illegal to report transaction history according to the Fair Credit Reporting Act. As a consumer, I value the accuracy and fairness of the information in my credit report. Could you please provide insights into the specific legal provisions, especially under the Fair Credit Reporting Act ( FCRA ), that govern the reporting of transaction history? Additionally, I would appreciate any clarification on how the inclusion of transaction details aligns with privacy regulations.
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed addresses, employers and unauthorized inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to have problems financing and my  FICA  score is continually low way under  XXXX . They have my grandfathers information even though we have separate ss numbers, and a different middle name. They have old and outdated information which after corrected reappears. While they will give me a report I can not download it for review, print it or anything. It takes weeks to get a copy meanwhile my finances are impacted. Wrong information is of course shared between all   XXXX   credit bureaus and none evidently care what is posted correct or otherwise.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I submitted a request to purchase bitcoin in the amount of {$1400.00}, via Coinbase.com, which company is the subject of this complaint, with the funding coming from my XXXX  Savings account via ACH. 

Due to an error on my end, I accidentally had emptied that savings account, thinking Coinbase was drawing from the checking account that I maintain with XXXX  that was well-funded. Alas, Coinbase let me know of my error, saying that the ACH transfer failed. I checked XXXX, realized the problem, noted the {$35.00} fee that XXXX charged me for a failed ACH ( such is life ), moved money back into the savings account that more than covered the funding, and retried the transaction via Coinbase on XX/XX/XXXX. 

On XX/XX/XXXX, the ACH was processed and the funds moved from my savings account. 

Notably, feeling bullish on Bitcoin, as well on XX/XX/XXXX, I submitted ANOTHER separate transaction to Coinbase, withdrawing another {$1500.00} from that same XXXX savings account. That ACH was debited from my savings account on XX/XX/XXXX. 

Today, that second transaction has cleared and is available on my Coinbase account.

However, the original {$1400.00} is still unavailable, and still says I must wait 5 days to have access to it -- even though a transaction submitted a day later is already cleared, and the 5 days doesn't ever go down.

I've tried contacting support but Coinbase only has robots reading emails and sending back canned responses. They do not have real humans operating their support system, it seems -- they have no phone number, no email address, and their only contact form is a byzantine mess that is OBVIOUSLY created to ensure as few possible actual support requests from real customers get through as possible. You have to answer a bunch of questions just to get to the form, then they require precise, detailed data that they could easily look up themselves -- e.g., I need to provide the date of the transaction, the transaction ref #, my country of origin, the exact transaction amount, the transaction date, THE LAST 4 DIGITS OF THE BANK ACCOUNT USED, and other details, which details are all already in Coinbase 's computer systems. If you get any of these details even somewhat wrong, you are unable to submit the form. 

This is clearly anti-customer, anti-consumer, and possibly fraudulent as Coinbase 's  TOS describes their customer support systems, and there seem to be no actual humans involved, which seems fraudulent to me.
Product: Mortgage

Newrez LLC is my Mortgage servicer and I applied for Mortgage relief through California Mortgage reliefprogram ( CMRP ). On Newrez LLC website Newrez LLC has advertised all over that they will support its cus-tomers if they are going to apply for home State relief fund but in real life their target is to foreclose on myproperty and take over on my property, advertisement on their website regarding participating in State relieffund is just a drama. I applied for two times to get relief from XXXX, but both the time due to Newrez LLC notcooperating, I was denied and now the program is closed. On top of that their attorney XXXX XXXX, CA XXXX XXXX. # XXXX contacted me and started humiliating me, has no manners how to speak to another in-dividual, very condenscending and she thinks she is superior than other people, I don't know how can a per-son like this become an attorney. Newrez LLC intentionally hired an attorney like this so that she can insultand humiliate me. 
Newrez LLC is discriminating against me, and doesn't want someone to enjoy a house of their own, they justwant to foreclose on properties so that they can make money. 
I don't know why they have put so many advertisements on their website regarding receiving state relieffunds when there intention is not to cooperate with the State relief fund.
Product: Credit reporting or other personal consumer reports

XXXX IS A FRAUD ACCOUNT OPEN BY XXXX UNDER MY NAME WITHOUT MY KNOWLEDGE AND SHALL DELETE FROM MY CR4EDIT REPORT BY LAW. ACCOUNT NUMBER XXXX IS INACCURATE, I CALL THE CREDITOR TO CLOSE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX XX/XX/XXXX, I contact XXXX XXXX  to information of a change in my bank account information. During this call I also provided XXXX XXXX  my new account information for payment processing. 

On XX/XX/XXXX, I formally disputed the accuracy of the information that is being reported on my credit report. I kindly requested that they investigate these matters and correct the erroneous information as soon as possible with no response. 

The disputed information is as follows : -30 Day late payment XX/XX/XXXX XXXX30 Day late payment XX/XX/XXXX On XX/XX/XXXX, I wrote XXXX XXXX  informing them of the inaccuracies reported in my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting my mortgage services to report my payments to the credit bureau. My servicer is Specialize Loan Servicing. I contacted them last month requesting my payments to be reported to the bureaus. I was told that on record it shows that I filed a chapter XXXX bankruptcy. I did file a chapter XXXX in XXXX which was discharged in XXXX. Also. I know by law that cant report but in XXXX my husband and I filed a chapter XXXX repayment plan. We paid our mortgage through the plan and received a discharge in XXXX. I spoke with my attorney about why the mortgage company wasnt reporting my payments. My attorney office states once we received our discharge the mortgage company should be reporting my payments to the bureau. Im trying to get some much needed repairs do e on my home and each time I try to get a loan Im told I dont have a long history of payments. That is ridiculous because Ive been paying a mortgage since XXXX! The problem is theres no record on my credit report.Last week I sent XXXX documents to prove I have a mortgage. Their investigation didnt change anything. So, basically thats why Im sending this complaint to this office.
Product: Mortgage

On XX/XX/2020 I sent in check # XXXX in the amount of {$690.00}, and clearly wrote on the check " Apply to Regular XX/XX/2020, payment on account # XXXX '', a second check # XXXX in the amount of {$3.00} and clearly marked on the check " Apply to overdue payment for account : XXXX '' a Third check # XXXX in the amount of {$700.00} and clearly marked on the check " Apply to PRINCIPAL ONLY for account : XXXX ''. I have attached the checks hereto. On the history, attached hereto, I marked in blue, they applied 2 regular payment and a principal payment of {$11.00}. They did not apply them as I sent them/marked them clearly. I called they said they could NOT transfer me to the department taking care of the payment : they do not have a number. That is absurd to me. I need the Principal payment of {$700.00} applied to the principal and NOT as a regular payment.
Product: Checking or savings account

I was out of the USA from XX/XX/XXXX to XX/XX/2018. On XX/XX/XXXX, I found out online, there were many fraudulent transactions on my account, it started on XX/XX/2018. I called the bank right away to report the fraud, hoping that they will stop eight transactions made on XX/XX/XXXX which still on pending. She told me it takes ten business days to investigate the problem, so I wait. To my surprise, a few days later I see that the bank had let all the pending transactions went through regardless of my report fraud on XX/XX/XXXX. This problem happened to my husband 's debit card which he does not know if he has one, because I am the one who take care of banking matter, and we never use debit card to purchase anything from anyone. There is no one knows my husband 's debit card number, not even us but the bank, that makes me think whoever issue this debit card might cause this terrible thing to us. In six different date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The thief had made 24 fraudulent transactions, which some of them happened on the same day at the same place with a large amount of money. I don't see how the bank can overlook many suspicious signs like these?
Product: Credit reporting or other personal consumer reports

I received an alert for a hard inquiry performed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no previous or current accounts with this entity. At no time did I apply for credit or loan services with XXXX or the XXXX XXXX. I filed an Identity theft report, contacted and disputed the hard inquiry with all three credit bureaus and placed fraud alerts with all three credit agencies. XXXX and XXXX removed this hard inquiry. Equifax has declined to do so. No evidence was provided proving I was involved with an application for services. In addition, on XX/XX/, I called and filled out a credit dispute form to XXXX stating this was an unauthorized hard inquiry and no application for credit or loan was made by myself. At this time, XXXX has not contacted me concerning the seriousness of this potential attempted identity theft.
Product: Credit card

I made a payment on XX/XX/XXXX for XXXX and the company is holding the payment saying they have to wait 26 days for it clear. It has already cleared my bank. I dont have any late payments on any of my accounts with them, I have 3. customer service does nothing to help and so called supervisors don't help either. I asked for the bank policy in writing showing that payments are subject to being held. Also I have made 2 payments after that that were posted to my account.
Product: Checking or savings account

Cash App banned my account under the username XXXX under the email XXXX XXXX
Product: Credit reporting or other personal consumer reports

After recent review of my Credit Report for " TransUnion '' I found that there were numerous Hard Inquiries on my report that I have no knowledge of, nor did I authorize. I contacted TransUnion via telephonically and was told that I had to file a theft report and submit that. Thus I have filed that report to go along with this filing. To wit, these are the Inquiries I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi, I attempted to reaolve this issues throught the Experian App feature of Disputes. Reported the following accounts never opened under my consent. Fraud per Credit Agency and Unavailable to correct my credit score in timely manner. 

XXXX XXXX, Credit Card and XXXX XXXX XXXX Credit Card. ( Reported XXXX XXXX XXXX ) Yet, institutions chose to rely on me the burden of Charged Off. When I had had all excellent credit up until then. 

All reports started since XX/XX/XXXX. 

After not seeing the credit cards deleted I reopen new disputes on XX/XX/XXXX. 

Again, no corrections were made but only possibility of adding a Statement. 



Following Credit Cards I never opened : XXXX Credit Card XXXX XXXX Credit Card XXXX XXXX Credit Card XXXX Bank Credit Card
Product: Debt collection

I tried multiple times to fix this problem but theys seems to not care
Product: Checking or savings account

XX/XX/year>, my phone and wallet with all my debit cards was stolen from me, literally snatched out of my hand. They subsequently had access to all of my information and funds. I had recently deposited all of my check ( I got paid monthly ) into my chime account! They drained everything from my chime account and my XXXX XXXX account. I have their usernames that they sent my funds to on XXXX XXXX  and on chime. They used the Pay anyone feature on chime. They also used add money on XXXX XXXX because my chime account was linked to XXXX XXXX  On chime he/they sent themselves approximately {$1000.00} and on XXXX XXXX they sent themselves approximately {$800.00}. I will attach screenshots of all I have. Some additional information- They also stole my XXXX XXXX XXXX  and bought shoes on XXXX and another item totaling over {$200.00}. My grievance is with Chime, I would love to see if I could get a refund. I provided all of the proof I had to Chime, this was my primary bank account at the time, and they offered me nothing. XXXX XXXX I understand I will not be able to recover the funds but I understand Chime doesnt have a brick and mortar store but I was under the impression that I had some sort of insurance or protection from theft.
Product: Credit reporting or other personal consumer reports

The credit bureaus are not respecting my right to privacy under 15 USC Code 1681 section 602 According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The credit bureaus are sharing my information to third party companies without my consent which is affecting my credit score in negative ways by reducing my score.
Product: Mortgage

During XXXX Bank of America offered payment assistance. One of three or four options was to put the debt on the back of the balance and pick up where you left off. Thats the one I chose. Money started coming in and I made my regular payments after a while. When I said its ok to put the debt on the back and let me start paying again They said that particular option didnt exist anymore. Anymore? Thats the only way I could have afforded to repay it. So they want me to re-qualify for a loan I already have? So faxing them this and that, its never enough Then it stops. I dont hear from them, no mail with return service. Now they are suing me for the money the government says they can not make me liable for in one payment ( Cares Act ). Just received a final judgment against me
Product: Credit reporting or other personal consumer reports

Someone used my information to open accounts that I had no idea about and some inquiries as well XXXX opened XX/XX/year> {$29000.00} XXXX XXXX opened XX/XX/year> {$2100.00} XXXX opened XX/XX/year> {$880.00} XXXX opened XXXX XXXX {$410.00} XXXX XXXX  opened XX/XX/year> {$270.00} XXXX XXXX opened XXXX XXXX {$74.00} XXXX opened XXXX XXXX {$48.00} XXXX opened XXXX XXXX {$20.00} XXXX XXXX  opened XX/XX/year> {$12.00} XXXX opened XXXX XXXX XXXX XXXX  opened XX/XX/year> {$260.00} XXXX XXXX  XX/XX/year> balance XXXX XXXX XXXX {$500.00} XXXX {$43000.00}
Product: Debt collection

XXXX  insurance paid a total of {$460.00} towards a bill of {$540.00} for services rendered on XX/XX/XXXX XXXX XXXX XXXX XXXX in the XXXX XXXXXXXX XXXX The insurance company says that I owe the remaining {$79.00} which I am willing to pay. Credit Collection Services continues to bill me for {$270.00} even after I contested this by mailing paper copies of the insurance payment in XXXX of XXXX as well as sending them electronic copies on two additional occasions in XXXX of XXXX and XXXX of XXXX.