23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I returned something on Amazon but somehow along the way, Amazon didnt scan my package into their returns even though it was scanned and delivered on XX/XX/04. I reached out to Amazon and they kept telling me to wait 30 days, then it got pushed out to 60 days, then finally at 90 days they said they couldnt help. I have the XXXX tracking number saying that it was returned and I have the initial update that Amazon knew that the return was coming. I reached out to Chase multiple times since XXXX and they kept taking Amazons claim that they needed proof of the time being returned. How can I get proof if I dont work at the warehouse?
Product: Mortgage

Some details herein, attributable to employees of Mr. Cooper Mortgage, formerly Nationstar Mortgage, are contradictory and erroneous.On XX/XX/XXXX, at closing on the property at XXXX XXXX XXXX, {$940.00} was paid to our insurance co. for one year 's insurance.On XX/XX/XXXX, a {$940.00} was paid to our insurance co. ( Travellers ) By Mr. Cooper . They refunded the check to me and my wife. Our insurance company advised we return the check to Mr. Cooper. Cooper refused the check insisting my wife must write a check from her bank account. 
After tendering her check a Cooper ( Coopers are what they call their employees ) informed me that we have plenty of money in our escrow account now, so we could use the second refund check to make a mortgage payment instead of adding it to escrow. I approved, so {$810.00} was applied to XX/XX/XXXX mort. payment and the balance of the {$130.00} was applied to escrow.

Bad advice because the amount was applied to the mortgage payment and I got an escrow bill for {$810.00}. We sent the {$810.00} which was also applied to mortgage not escrow. Now, my monthly Mortgage bill is {$60.00} higher. There are only errors and many more than this.Everything is always wrong and too complicated for us to deal with. The Coopers claim everything is fine but EVERYTHING IS WRONG! I spoke with XXXX who apparently has no last name. A few acquaintances had their MR. Cooper Mortgages sold to XXXX XXXX. I want out! We can not keep up with constant errors and miss communication. They will say everything is fine .... every time ... but everything is a disaster and they will cause us to lose this house because everything is perpetually changing with cooper. I do n't think they lie. I think they are incompetent.
Product: Credit card or prepaid card

On XX/XX/2021 the company that i hold this credit card with decided to charge a XXXX dollar fee without my knowledge up until XXXX of 2021. When I realized that I was being charged {$2.00} dollars denounced my knowledge, ( total of {$8.00} dollars ) I asked them to remove it. I would pay it off, and that I never carried a balance or even had a balance on this card and that they should of informed me that they would be charging me a fee without my knowledge. It was never removed as was mentioned to me. This little mistake on there part has affected my score dramatically for a simple amount.
Product: Checking or savings account

I mobile check deposited {$6000.00} from wells fargo to XXXX XXXX on XX/XX/2020. 

XXXX closed my account XX/XX/2020 I have no access to withdraw. 

I contact to wells fargo to stop pay the check. WF letter me the fund already posted and cashed before I claimed. 

I reach to XXXX again and tell them its already posted. But they said they cant give my money back and only way is I have to recall the check. 

WF said I am not able to re open the case to recall the check I have to deal with XXXX XXXX directly. 

Both company said they cant and call other company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting I pay for credit monitoring since divorce and ID theft in XXXX Since XXXX I have been rebuilding the last 2 years I have a XXXX  card that was charged off XXXX on my credit and has been on my credit during my whole rebuilding process As of XX/XX/XXXX my score was XXXX which was just raised XXXX points XXXX XXXX because of lower balances on credit cards I did a dispute with Experian the beginning of XX/XX/XXXX to clear mis addresses phone numbers I also disputed the XXXX account that was on my credit as charged off as of XXXX and like I said this account has been on my credit it was still showing on my credit even when I just had XXXX XXXX XXXX just XXXX XXXX XXXX Showing charged off I disputed the amount of the XXXX card charge off because the amount of the charge off was incorrect and part of it was due to fraud because of my ex-wife Being with the files so old and it was really affecting my credit anymore it didnt matter if it was recording correctly or not it was just the principal When Experian updated my report last night XX/XX/XXXX They updated all the payments now this charge offs looking like it just barely got charged off in XX/XX/XXXX instead of XXXX it dropped my XXXX score by XXXX points looking like a recent charge off as of yesterday I called Experian and they will do nothing They said its been reported correctly but if you look at my credit report its looking like I had a charge off every month since XXXX reason being the credit score dropped almost XXXX points I cant make the customer service advocates at Experian located in foreign countries Finally getting a us agent and They are not getting the problem This XXXX account has been reported charged off during my whole credit rebuilding process as a derogatory accounts. As of XXXX yes it has a negative impact but nothing like this since they updated it yesterday like I said if you look at my credit report it looks like I have a charge off every month since XXXX dramatically dropping my score XXXX points please help me with this the charge off his old even on Experians website it says I charge of kinetic negatively impact your credit but after Time goes by itll less impact I even stated their own website consumer printing to them and they keep giving me a bunch of excuses I can see new reports as of XX/XX/XXXX my score with the charge off on my credit went up XXXX points because I paid off a credit card after they updated the XXXX  card because I disputed the amount of charge off Im not sure why I did it was mainly principal the XXXX card I had was close in XXXX my ex-wife re-opened it after our divorce charged thousands of dollars and then never paid it I got sick of fighting with XXXX they would do nothing to help me unless I press charges against my ex-wife which had custody of my children which was not gon na happen when I got sick so I just let it go and read my a lot of time to start rebuilding my credit please help me with this experience should not be the brightness is a current charger off
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I traded in my lease and bought a brand new car with the same company I leased from which was XXXX XXXX XXXX. The SAME day I was released of all LIABILITY and given the forms which I have attached. On XXXX Honda Financial  called my phone which was odd because Ive never been late on any payment and I didnt have possession of the vehicle. ( I believe it was sold the next day ). I explained all of this to them and they told me they didnt care and that they were marking me 30 days late. I then called XXXX  and spoke with XXXX and XXXX XXXX who said that they was no way I was liable for anything as I didnt have possession of the vehicle and then they reached out the Honda Financial and was also treated with the same disrespect that I had just dealt with. Due to XXXX I have been in a shelter with my children and was due to close on my brand new house XX/XX/XXXX. That now is not an option. UNBELIEVABLE!! If this information was reported correctly I would accept this. However its not. This mark has damaged my LIFE! I want it removed immediately so that I can close on my house.
Product: Debt collection

I never received any notification from XXXX and XXXX about this alleged debt - only to find out on my credit report. XXXX and XXXX are illegally reporting this alleged debt on my credit report- have never provided anything in writing to me. When I called to dispute it, they gave me the run around. This has caused my XXXX XXXX to take a nose dive.
Product: Credit card

Consumer Name : XXXX XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  under the account number XXXX open XXXX XXXX, account opened at XXXX XXXX on XXXX XXXX and XXXX XXXX under the account XXXX, XXXX XXXX  account XXXX open XXXX, XXXX, account opened at XXXX  XXXX XXXX on XXXX XXXX under the account number ( unknown ). 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.Consumer Name : XXXX XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  under the account number XXXX open XXXX XXXX, account opened at XXXX XXXX on XXXX XXXX and XXXX XXXX under the account XXXX, XXXX XXXX  account XXXX open XXXX, XXXX, account opened at XXXX  XXXX XXXX on XXXX XXXX under the account number ( unknown ). 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: Mortgage

Due to Covid19 thus loss of income I took advantage of the Forbearance Mortgage Assistance Program ( Partial Claim ). I began making normal payments in XX/XX/2020 monthly as agreed upon with Wells Fargo mortgage company. I was not aware or told by Wells Fargo what the precess would be to bring the payment process back to the way it was before the F.M.P.A.P was in place. I pursued the refinancing of my loan to a lower percentage saving over {$200.00} per month but when approval and closing was ready Wells Fargo reported a lean from HUD on the loan and the payments I have been making were on hold and not credited to the account which show the monthly payment as not being made. This plus the lien is causing my refy to be placed on hold with an extention cost to me. Wells Fargo can not tell me when this will be completed, nor what is going to happen to the money I have been paying month to month since requesting in writing I be taken out of the program and return to normal monthly payments. Most of all the indication of a lien is holding my closing from happening. No one I have talked with at Wells Fargo can tell be how this can be resolve immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt collection agency is trying to collect a debt from me, and the information is incorrect. I have already had the original debt collection agency deleted, and now a new one is reporting, and has been re-aging the debt. I had this debt removed from all but one credit bureau. Transunion has ignored my requests to investigate, and I have just sent a second correspondence nearly two weeks ago addressing the correspondence I sent them on XX/XX/XXXX. I am including all the certified letters I sent, showing the dates. No investigation was done by Transunion, and Transunion has not removed this inaccurate account. 

I am also including the XXXX XXXX creditor 's information, which has been deleted, which was also inaccurate, to show that the debt XXXX XXXX XXXX XXXX XXXX XXXX is incorrectly reporting is inaccurate, and is an attempt at re-aging a debt unlawfully.
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 1692c ( c ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these accounts has violated my rights. Section 1692c ( c ) states that a debt collector must stop contacting the consumer if the consumer askes them in writing to cease all contact. If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX Act Name : XXXX XXXX, XXXX XXXX USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX  }
Product: Credit reporting or other personal consumer reports

I dont recognize this inquiry. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXXXXXX XXXX XXXX Balance : {$12000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, excuse my spelling ( I use a translator ) my language is XXXX  I have been a user of the Coinbae application for more than two months. 
Everything was fine so far I registered and provided all the official documents, for the verification of my person and to avoid fraud etc. 
The problem is that since XX/XX/2021 my account is blocked by Coinbase with the excuse that it is under review This after having registered for more than two months and with my verified identity Update my personal and work data etc. 
But the situation persists Unable to contact Coinbase customer service On the phone is a recording And by email a robot answers with the same answer always My money is blocked and I can't do anything Can you please help me get Coinbase to release my account Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

MediCredit is showing up on my credit report and hindering my ability to purchase a home. I called the collection agency and they have told me that the original debtor has closed it and they no longer have it. But it is still negatively reporting on all three credit reports. I would like this removed immediately off of my credit reports so it is not effecting me anymore.
Product: Mortgage

My Home Loan Servicer did not properly allow for my participation in a mandated Home Loan foreclose avoidance program nor did they provide me with the information or guidance in a timely manner to prevent the impending loss of my Home.
Product: Payday loan, title loan, or personal loan

XXXX Previously I filed a complaint with CFPB against SELF Lender. 

Self lender received my emailed cancellation request and responded with an with a cancellation email. 

This was all done within 30 days of my account being opened. 

There was no bill! 


The reason for this complaint today as of XX/XX/2020. 

SELF Lender going by this name, XXXX XXXX XXXX has reported me to the credit bureaus. 

They have my status as CURRENT and they have me with a balance of {$1600.00}. How is this all possible on a closed account with no balance? 

This will be reported and disputed with all credit bureaus and I am seeking legal advice if this doesn't get removed from my credit files immediately. 

This false information has dropped my credit score.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/XXXX I received a notification from the Capital One app that an XXXX charge for XXXX was received. I called because I had not ordered anything with that card that day. I rarely use that card on XXXX. 

I was told they would issue a new card, that it was the virtual card that was used and they would open an investigation and would contact me for additional information. 

On XX/XX/XXXX I called because the charge was back on my card. The gentleman I spoke with told me because Id made charges in the past ( months earlier ) to XXXX they decided the charge was legitimate. They claimed I used the virtual card although my XXXX account shows the regular card number. He said he would investigate further. He called me later and left me a message to call back with questions. 

On XX/XX/XXXX I called again and asked what information was received from XXXX and was told that they verified that I had an account. I asked for a copy of the information received from XXXX which she said was my account with my address not the transaction. She refused. She also couldnt tell me if there was a transaction on my XXXX account which there was not. 

They do not want my documentation from my XXXX account and will not offer an appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is reporting INACCURATELY. 

BANK OF AMERICA Account Number : XXXX This account should not be considered late for 90 days 55 times. This account has been charged off since XX/XX/2014 yet is still reporting late. Please prove that this account was in fact able due for a payment on those dates after and prove that the owner of the account had legal right to collect payments for those alleged late dates or REMOVE THE ACCOUNT FROM MY REPORT. 

This account was also removed from XXXX I have requested paperwork proving the accuracy according to section 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.