23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX 2015 I tried to pay some of the past due amount on my loan and the bank REFUSED TO ACCEPT MY PAYMENTS. Since then I have tried relentlessly to get assistance from Wells Fargo on my past due balance. I fell behind last year, after a car accident and having to close my business. In XXXX 2015 I received a conditional approval thru Keep Your Home California and was told by Keep Your Home California I needed Wells Fargo to also assist in order to be approved for the program. I submitted everything to Wells multiple times and they would give me different excuses everytime. First they said I didnt make enough, then they said I made too much, now they are using different ratios than what they told me before. I have received conflicting information from them and they completely ignored the assistance I could have received from Keep Your Home California that could have helped me catch up! I was told by their Manager XXXX XXXX that he didnt have time to talk to me as he was busy interviewing people becasue they needed more people to answer the phones. He also told me they werent going to help me and that I should have savings in the bank like he did, because Wells Fargo pays him very well. He also stated that my situation would not improve no matter what they did for me! I explained to him he didnt need to speak to me in that manner and that I was simply trying to catch up. My partner had also been in an accident and had been on XXXX but things were getting better for us. I have always had good credit and worked hard and we were simply having a setback and needed help. I explained to him that things were still trying to improve here in California. I have provided everything they have asked for and they are still giving me the run around, each time giving me different criteria, and playing with the numbers/ratios. I feel im being discriminated against, and am not sure why. Im simply asking for a solution/plan to pay the past due balance owed. I was told yesterday that they could start foreclosure proceedings anytime if they felt like it and depending on how she was documenting my file-I 'm still working with Keep Your Home California for assistance HELP!!!!!!!!
Product: Mortgage

I solve my home in XX/XX/XXXX and prior to having to sell my home I had a lot of issues with my home loan through Wells Fargo. I believe Im owed money from the huge settlement payoff going on now XXXX
Product: Debt collection

Received a call from someone claiming to be a collection agency. Phone number XXXX XXXX. They claimed I owed {$130.00} to XXXX XXXX XXXX. They had the correct spelling of my name and my address. They even had the correct dates I was in XXXX XXXX. Instead of paying them directly I contacted the XXXX XXXX. They informed me I owed no money as insurance had covered the treatment entirely. Obviously this was a scam call. The scary part is with the details they had somehow they had hacked into my medical records.
Product: Money transfer, virtual currency, or money service

Since XX/XX/XXXX, I have been trying to work with CoinBase to regain access to my accounts so I can retrieve my cryptocurrency ( Bitcoin [ BTC ] /BitcoinCash [ BCH ] Ethereum [ ETH ] /LiteCoin [ LTC ] ) which I had purchased. I lost access to a previous email account, as it was a university account which was deleted. I couldn't reset the password on CoinBase for the university account, as any password resets were sent to the deleted email. After that, I tried to follow CoinBase 's FAQ for account migration ( Website : XXXX XXXX XXXX ). After doing all the appropriate steps, I reached out to them and didn't receive a reply. I have then contacted their customer service multiple times to no avail. The following is a timeline of what occurred : ( XX/XX/XXXX ) : First contact, completed FAQ to migrate accounts. One unrelated response from CoinBase thanking me for my feedback, when I provided none at all. 

( Late XX/XX/XXXX ) : Sent follow-up email regarding account migration and completion of FAQ. No response from CoinBase. 

( XX/XX/XXXX ) : Called customer service and spoke to " XXXX. '' He informed me that a " specialist would reach out to me shortly and help me fix my issue. '' XXXX stated that my account funds could be migrated from the previous email account to a new account, which I would have access to. After receiving an email from Coinbase support after the conversation, no one from Coinbase has reached out to me. Another support ticket was created for me at this time by " XXXX, '' who stated that they were " working with a specialist to review and finalize your balance transfer. We will follow-up as soon as the transfer is complete, or if we have any further questions. '' ( XX/XX/XXXX ) : Sent email reminder following-up on email from CoinBase specialist/information provided by XXXX. No response. 

( XX/XX/XXXX ) : Called customer service and spoke to " XXXX. '' She stated that my " request had been escalated appropriately '' and that I should expect a response. She also stated that she saw my history in trying to contact CoinBase and apologized for any issues I had. 

Simply put, I would like to have full account access to the lawful money I have invested in the cryptocurrency kept within CoinBase. I can not access a previous, deleted email account and have done the appropriate steps, per CoinBase FAQ, to migrate my account to an active account. 

In short : I would like my old, deleted account funds migrated to an active account. I was informed by CoinBase that this was possible, per XXXX. He informed me that this could be completed by taking the funds from the previous account and migrating them to a new account which I have access to. I have done all steps in the FAQ to prepare this second account for receipt of the funds, but nothing has occurred. Furthermore, customer service has been kind, but unable to assist me in my issues. CoinBase had reported that they had issues in XX/XX/XXXX, which is why I was understanding of their situation. But it has been over 6 months, and no improvement in customer service or my situation has occurred.
Product: Credit card or prepaid card

I am a XXXX XXXX and suffer multiple conditions including XXXX. Around XXXX on XX/XX/2023, my phone rang and the caller ID stated " PNC Bank XXXX. I have two accounts with them, but currently carry no balance and never authorized them to conduct sales calls, so when I saw them calling I instantly had a XXXX XXXX, with my XXXX XXXX  and XXXX XXXX jumping to unhealthy levels believing that I was the victim of fraud! 

I answered the phone and the young lady began to give me a spiel saying that she was calling to " help '' me and wanted to schedule a better time so that we could speak about PNC 's products that could help me. ... 

I responded, already in an altered state, " Ma'am, I have never signed anything allowing PNC to solicit to me on my mobile, why are you calling? '' she stated that she was not soliciting, that she was only calling to help? Help, I never asked for their help. At this point I'm having trouble breathing as my XXXX XXXX continued to climb. I asked her to transfer me to a supervisor, to which she replied, " she's at lunch ''. I then repeated my request to speak to a supervisor on the floor, to which she then said " I'm going to place you on hold '', a hold that was never released. 

This is not only breaking the law concerning solicitation, to my mobile number no less, but has caused me XXXX XXXX XXXX XXXX XXXX XXXX for what, to try and sell me products I never asked for or need?
Product: Consumer Loan

I am currently due for my XXXX XXXX payment on my vehicle. I have been receiving numerous phone calls after the seven day grace period. Yesterday I received XXXX calls back to back at XXXX, XXXX, XXXX and XXXX. I had missed those calls and they kept calling back. That is harassment! I worked collections and there are rules against constant calling and hanging up and calling back again and again!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX  and the Consumer Financial Protection Bureau, Case No. XXXX provided a letter stating that the XXXX XXXX account in question was accepted as a fraud claim. The charges and late fees were made to a XXXX, and a request was sent to XXXX and XXXX to remove the reporting that resulted for this XXXX XXXX account XXXX A copy of the XXXX letter is provided with this report. 

I wanted to add that a complaint was filed with CFPB first regarding XXXX 's reporting of XXXX XXXX XXXX now the XXXX XXXXXXXX was strangely re-added to my XXXX report, with no explanation. This was obviously not computer generated, since there was no change to my credit score, only a re-addition to my credit report of this fraud account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be remove from the 3 credit reporting agencies. 

XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 


XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

There is a fraudulent account ( Oportun/Webbank ) reporting on my credit. XXXX  and XXXX have already removed this account, but it still continues to report on XXXX. I am requesting the immediate removal of this account from my credit. Please see the attached FTC report and my driver license.
Product: Credit reporting

I am filing a complaint since Transunion has ignored me several times in providing verification documentation that their company has on file for the accounts I disputed. It has been well over 30 day and since they can not verify, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter ASAP.
Product: Debt collection

I have told this company over and over again that the credit card company chose to close my account when I has report the charges on the card as fraud, once the credit card company said that I never heard back from them and that was back in XXXX of XXXX or XXXX. They said they would let me know the outcome of the investigation, but never heard anything back from them. Now I getting letters in the mail threatening to sue me and saying they are contacting a lawyer in my state about this debt when I never got information or knew that I could dispute this debt with midland credit collections. I was not never informed that my debt was being sold and sold again to keep this on my credit report.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately & send me the results to the address. 
XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX noticed a couple of accounts that does not belong to me and the addresses these accounts are linked to are also not mines.I contacted these creditors multiple times and these incorrect items are still on my report.I file an identity theft report stating that I was a victim of identity theft.I have documents attached also with the report.15 u.s code s 1681c-1 I XXXX XXXX the consumer had given multiple identity theft reports and also placed a security freeze. Also there were a name brench posted on my report also attached.the accounts 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
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquires that do not belong to me. 

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

I HAVE HAD SEVERAL ACCOUNTS OPEN NAD USED WITH MY PERSONAL INFO THAT I WAS NOT AWARE OF PEOPLE USING MY PERSONAL INFORMATION TO APPLY AND OPEN ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX anXXXX XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a record that requires UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested record is settled. 


XXXX XXXX XXXX  XXXX
Product: Credit reporting

There is a hard inquiry on my credit report that should not be there. I disputed the account with XXXX XXXX XXXX and they removed the account from all of my credit reports, but the inquiry is still there. I would like this inquiry removed since I did not open this account in the first place. I have attached the letter from XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

Company says " You agree to pay us a monthly handling fee in an amount equal to 24.17 % of the outstanding principal balance of your loan per month, or any portion of a month. This monthly handling fee shall not be deemed to be interest for any purpose of law. '' but at the same time has the following contradictory term that I have evidenced in a screenshot. These terms are contradictory and the company is admitting that the fees charged ARE IN FACT INTEREST. I will be disputing the inquiry on my credit report as this is a fraudulent lender if this fraudulent lender inquiry is not immediately removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing consumer report, I noticed unauthorized inquiries on my credit report. Below are the companies 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

Last month I filed a complaint here against Sun Loan Company regarding their reporting of this account onto my consumer report. 

Sun Loan claims they have received XXXX indirect disputes and have correctly responded to all of them within 30 days. 

I disagree, I requested XXXX to provide my full file disclosure and I need only information that is 100 % accurate and complete on me. I do not want any incorrect, incomplete, or misleading information on my report. 

On my reports, there is contradictory, incomplete, and incorrect information. 


The company responded claiming XXXX XXXX bought the Debt XXXX, XXXX 2020 ( Attached ) I sent this letter off to XXXX XXXX. 

XXXX XXXX that they bought the Debt XXXX, XXXX 2020 NOT XXXX, XXXX 2020 Sun Loan also claims theyre not responsible for the credit reporting and that XXXX XXXX is responsible. 

Well, XXXX states that theyre not furnishing this account to the credit reporting agencies. ( Attached ) It appears you ( SUN LOAN ) continue to lie to me and now youre lying to your boss. ( CFPB ) Please be reminded of : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly ( 2 ) accounts where I am shown as an Authorized User on XXXX  - partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on these accounts. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my multiple efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

I first noticed the late open accounts and since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and XXXX XXXX. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the specified timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX Balance : {$8500.00} ; XXXX XXXX XXXX Balance : {$20000.00}.
Product: Debt collection

The Creditor did not provide me with my original instrument of indebtedness they did not provide me with my original contract and signature.
Product: Student loan

I applied to the XXXX Repayment plan on XX/XX/year> and am still waiting for a response. Mohela has continued to charge me my monthly payment, even though it is my understanding that the loan is placed on an administrative forbearance while the application is still pending. I called on XX/XX/year> and was advised that I needed to contact XXXX as they were processing my Consolidation application. I called XXXX XX/XX/year> and was advised consolidation application was closed because my loans were already consolidated and that I would receive a response within 2 weeks. Today, XX/XX/year>, I call again XXXX and was advised that Mohela is in charge of processing the XXXX application to call them. I again called Mohela on XX/XX/year> and was told the application is still pending, and no new information given. At this point, it has been almost 4 months since my application was submitted and I am still waiting for my payment to be recalculated. I am not able to afford the current payment. Please help.