23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In addition to reporting us to the XXXX credit bureaus, refusing to help us by acknoweledging our hardship due to the unforseen circumstances regarding job loss and devastating illness, and erroneously stating that we are two months behind on our mortgage when in fact-we are one month behind -- -- Nationstar has added at least fifteen late payment fees to our account. Each fee is $ XXXX-which -as of today would total an extra {$1100.00} on top of what we currently owe. How does Nationstar think that we can afford to pay these exorbidant late fees when we are struggling to make our mortgage payments -- specifically the payment that is one month behind -- that Nationstar continuously adds the {$75.00} per month late charge to? Nationstar staunchly defends it 's mercenary actions of gauging and blatantly disrespecting its customers by spouting company policy. They say they are there to help, but the only help that is offered would serve only Nationstar -- and not the consumer. I understand why Nationstar has earned it 's publicly documented " XXXX '' rating with the XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card

On XX/XX/2023 I took my finance to purchase an engagement ring at XXXX XXXX. During the process not once did they say we were looking at lab grown diamonds. When we decided on a ring the salesman said the individual that does the certification had gone home early and he would send me the certificate. I had the ring in my possession so wasnt sure how they could certify a diamond I was in possession of. The next 3 weeks I kept calling XXXX XXXX asking for the certificate. The salesman said they sent it and it must have gotten lost in the mail twice. At this point I started getting a feeling I was a victim of a fraudulent diamond purchase. I called them again and insisted they send the certificate or I would dispute the charge for a refund. The sales man immediately text me a picture of the certificate. When I saw the certificate, I knew immediately it was from a dubious company. They sent me a certificate from XXXX but the legitimate diamond certification company is XXXX. They mix the letters around to make it look like XXXX. It was at this point that I saw the diamond was a lab diamond. I immediately asked for a refund and was denied. I took the diamond to a jeweler to get a true evaluation of the ring I had. He looked at the diamond under a microscope and wrote down the lab I.D number XXXX with an XXXX logo, which was not on the dubious certificate XXXX XXXX sent me. Apparently the lab has the diamonds certified before the sell them to be sold. The gemologist looked up the I.D . Number and found the lab certificate for this diamond on the XXXX website, which is a legitimate diamond certification company, one of the top three. He evaluated the XXXX certification and agreed it was accurate and the XXXX XXXX XXXX XXXX  sent was inaccurate. I will attach copies of this evidence. I tried to dispute through my credit card company but the denied it because I signed the sales receipt. I signed the receipt under the assumption I was getting what they said. I provided them with solid evidence. I am a victim of fraud and would like to return the ring for a refund.
Product: Checking or savings account

On XX/XX/2021, I used my Coinbase Card ( issued by XXXX ) to purchase gasoline at a XXXX XXXX retail location in Washington XXXX DC. XXXX, as issuer of Coinbase Card, withdrew a {$100.00} bank hold for the transaction, which ultimately totaled {$43.00}. Despite this transaction occurring over a month ago, XXXX has not settled the transaction and still holds my entire {$100.00}. I confirmed with XXXX that it is indeed not their system that placed the hold but rather XXXX. I have contacted the customer support of Coinbase Card ( since they administer the account ) via phone 5 times and via email at least 10 times since XX/XX/XXXX, most recently today on XX/XX/XXXX. Coinbase Card customer support has either been uninterested in or too incompetent to resolve this issue in the rare instance that my calls or emails are responded to, the responses I have received are " this is the responsibility of a different team ( whose contact information we can not provide ) '', " please call back another time '', or other responses completely irrelevant to my problem. The result is that XXXX, through Coinbase Card, has effectively stolen {$56.00} from me. I have gone above and beyond providing information and exercising patience. It is clear that XXXX, through Coinbase Card, has committed theft of my money through a disingenuous bank holding process.
Product: Money transfer, virtual currency, or money service

Complaint Statement : On XX/XX/year>, I purchased an item on XXXX for {$770.00} ( including taxes and shipping ), as shown in XXXX XXXX. The item never arrived. 

Attempts to Resolve With the Seller : After noticing the item had not been delivered, I contacted the seller multiple times to request an update or resolution. Initially, the seller responded ; however, on XX/XX/year>, he/she stopped replying entirely ( see Attempt to resolve with the Seller.pdf ), leaving me with no alternative for direct resolution. 

Dispute With XXXX & Unfair Denial : On XX/XX/year>, with no response from the seller, I filed a dispute through XXXX. In reply, the seller provided a XXXX  tracking number, claiming the package was deliveredeven though it was signed by someone else ( see Proof of Delivery.XXXX ). PayPal then asked me to provide four types of documentation ( see Proof Documents Accepted by PayPalXXXX ), which I submitted : 1. XXXX  Transcript : A messaging transcript ( see Proof of non-delivery_messaging transcript.pdf ) confirming the delivery address under this tracking number did not match my actual address. When I was prompted to create a case for this tracking for a missing package, the system could not create a case because my information did not match the details under the tracking. 

XXXX. XXXX Email Confirmation : An email from a XXXX representative ( see Proof of non-delivery_email from XXXX XXXX ) verifying that both the name and address on the tracking details differed from mine. 

These documents clearly show the shipment went to a different address and was signed by someone else. Despite requesting this very evidence from me, PayPal denied my claim ( see PayPal XXXX ), relying solely on the sellers claim of completed delivery. There is no indication PayPal reviewed and reflected my documentsnor did they investigate the address mismatch. In situations where the buyers evidence and sellers evidence conflict, it is PayPals responsibility to verify further and make a fair decision ; instead, PayPal simply endorsed the sellers tracking status to the wrong address. All my dispute-related interactions and records with PayPal are documented in XXXX with PaypalXXXX 

PayPals Failure to Protect Consumers : By disregarding their own requested evidence and refusing to reconcile the obvious discrepancy between the sellers tracking status and my proof of non-delivery, PayPal has failed to protect my rights and those of other consumers. In effect, PayPals reliance on incomplete tracking dataonly matching city and statecreates a breeding ground for scams. Sellers exploiting this loophole can provide invalid or partial tracking details showing delivered, leaving buyers like me with neither the purchased item nor a refund. PayPals refusal to verify these inconsistencies or step in to protect customers leaves buyers vulnerable to fraudulent schemes and also promotes fraudulent schemes because frauds know they can get away due to PayPal 's unwillingness to make fair decisions and protect customers.
Product: Student loan

On XX/XX/2023, my servicer -- EdFinancial -- indicated that they had submitted a refund for {$21000.00} for approval by the Department of Education. More than two months later, I have not received that check or any useful updates about its status. I have tried numerous times to get resolution from Edfinancial, but in each call they simply say the refund is " processing '' without telling me what that means and when I can expect to receive the check.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 usc 1666b this is a billing error, Ive always paid as agreed on time this is an error this account is in violation also Under 15 usc 1681a ( 2 ) ( A ) ( i ) Late payments are transactions and transactions are excluded from a consumer report.
Product: Vehicle loan or lease

On XX/XX/XXXXXXXX at XXXX XXXX I received a call from Ally Financial regarding my car payment, I informed that was n't able to make payment at that moment and would contact back at a later date. On the same exact date they contacted again at XXXX and left a message regarding the payment and again at XXXX. I know that they cant contact me again after a message has been left. When I informed the rep of my knowledge he explained to me that the automated dialer had called my number. I informed that there should have been some form of notation that a message was left. I also asked the rep to speak with a rep from the United States of America because there seemed to be a language barrier and the rep asked why, I then informed the rep of why and he continued to say that he was trying to help and basically was trying to force me to make the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

According with the fair credit reporting act XXXX, Account number # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. States a customer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I signed a contract to have solar panels installed on the home I own. They partially installed the system on XX/XX/2021 and it is still not operating. It does not work. I have signed the dotted line so I have obligated myself for 20 years to pay for something they have failed to deliver on. The other concern I have is the federal tax credit you can get for going solar. They expect me to pay the tax credit amount on the loan by the XXXX month note. On the XXXX month they will add the tax credit to the loan amount I owe. The system was {$38000.00} tax credit {$9900.00} for total of $ XXXX. The companies I am dealing with is XXXX XXXX XXXX XXXX dba XXXX XXXX. Sunlight Financial, service provider is XXXX XXXX XXXX. 
I have made numerous calls, emails, text with no results. 
I requested a breakdown of how they came up with the total of the system {$38000.00}. They could not give me more than the contract I signed which does not give that detail information. There is a Promo Credit they are suppose to pay me in the amount of {$3400.00}. I inquired and it will take 6-8 weeks AFTER the 'PTO ' permit to operate is given. The county can not inspect the system before it is installed and working. It appears they wanted the funds released so they half done my install. Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S. C 1681 Section 602 A states I have the rights to privacy. 15 U.S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is : XXXX XXXX My only address is : XXXX XXXX XXXX XXXX . XXXX XXXX XXXX TN XXXX Please have the agency update this accordingly.
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 NumberXXXX Account Name : XXXX  XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX  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: Debt collection

A long was paid of 2 months after Charge-Off in XX/XX/XXXX for loan from Prosper Marketplace. The account was Charged-Off on XX/XX/XXXX. The account was paid in full XXXX. Prosper Marketplace is refusing to provide a Paid in Full letter or update the account as Paid in Full. It has been reporting as delinquent and negative for 5 plus years. I have spoken with Prosper on XX/XX/XXXX and they have confirmed the account is paid in full as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$2900.00} XXXX  XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX XXXX was disputed and they do n't own the debt anymore. So, by law they have no more right to even report anything to the credit bureau 's. They left a wrongful dispute on my credit report. The account number is as XXXX XXXX XXXX XXXX sold the debt to another company. But they want give me the proper contact information inside XXXX to talk with someone about the debt. They all ways transfer me to a department and the number hangs up after 5 minutes of waiting. I am given XXXX XXXX ( XXXX ) XXXX email XXXXXXXXXXXX full authority to speak on my behalf please make notes on this case number that will be provided by the CFPB.
Product: Credit reporting or other personal consumer reports

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. I have disputed these inquiries with Experian, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. Despite these actions and the clear provisions of the FCRA, Experian has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. I am writing to request that Experian takes immediate and corrective action to address this issue in compliance with the FCRA. Attached you will also find my ID, and Proof of Address with my most recent bill.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX {$720.00} and 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS FRAUDULENTLY REPORTING THAT MY ACCOUNT IS OPEN AND LATE. THIS ACCOUNT IS CLOSED AND WAS SETTLED OVER 4 YEARS AGO. HOW CAN I BE LATE MAKING A PAYMENT WHEN THE ACCOUNT IS CLOSED AND WHERE IS IT LEGAL TO REPORT TO XXXX  EQUIFAX AND XXXX  WHEN THE ACCOUNT IS CLOSED. THERE NOWAY I COULD BE LATE. XXXX  REPORTED XX/XX/2020 THAT IAM LATE ON A CLOSED ACCOUNT. THIS IS ILLEGAL
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach, and as such, fraudulent accounts and inquiries have been added to my credit report without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that the following accounts and inquiries be blocked and permanently deleted from my credit file. 
Accounts : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$630.00} XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$610.00} XXXX. XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$530.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXX. XXXX XXXX  XXXX - XX/XX/XXXX - {$620.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$520.00} XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$550.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$560.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$670.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$610.00} Inquiries : XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX