23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The apartment I was renting at college stated that I owed them {$560.00} after I moved out. Me and my mom requested a walkthrough of the apartment. They stated that another department handles that and that they will contact us but they never did. We kept sending them emails but they never responded. We finally got ahold of someone and they said the account was in collection. We asked for the name and phone number of the collection company but they said the company will contact us. We were waiting to hear from them but they never called, email or sent mail. My mother was contacted by experian about her credit report being flagged. We got there contact from the credit bureau and paid them on the same day. They have taken the negative report from my moms credit file but have not taken it off from mine. I also it removed from my file
Product: Checking or savings account

As of XX/XX/2025 I attempted to make a transfer from XXXX of my accounts with the institution and it was blocked. I called customer service and after escalating to XXXX different representatives, I was told that they would open a case for the centralized customer service and they would get back to me. 

I called back the customer service number today XX/XX/2025 and I was told the same story that the centralized customer service would have to get back to me with no timeline available. 

Meanwhile, I can not access any of my reserve funds that I have with XXXX Goldman Sachs.
Product: Credit reporting, credit repair services, or other personal consumer reports

-There are two XXXX student loan accounts that are negatively affecting my credit report ( A redacted screenshot is attached. ) -The " first account '' was opened in XXXX. I experienced financial difficulty beginning in late XXXX. Despite making minimum payments, XXXX  charged-off the account in XXXX.
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-The " second account '' appeared on my credit report in XXXX. This second account is listed as being " In Collection. '' -There are separate telephone numbers for each of these two XXXX accounts. I called the number associated with the " first account '' and the recording indicated that XXXX no longer services student loans and that I should contact " XXXX XXXX. '' Upon contacting XXXX XXXX, I gave them my identifying information and they indicated that they could not find an account for me. I called the number associated with the " second account '' and the recording indicated that the number dialed was no longer in service.
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-Thereafter, I filed a dispute with the three major credit reporting agencies ( XXXX , Equifax , and XXXX ). The results of my disputes with the major credit reporting agencies stated that the information for both XXXX accounts is " accurate and has been updated. '' -Request for resolution : 1. How can the information related to these two XXXX accounts be " accurate '' when neither telephone number will put me in touch with someone with knowledge of these accounts?
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2. How were the major credit reporting agencies able to contact someone to allegedly validate this information when I can not do so with the information provided in my credit report?
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3. XXXX has neither notified me about the " second account '' that is allegedly " In Collection '' nor have they provided me an opportunity to address this collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to all 3 of the major Credit Bureaus several times with concerns of inaccurate reporting on my credit file. After several attempts to rectify the issue directly with the Bureaus I feel it is time I escalate the issue as I am not seeing satisfactory results or nearly any results at all.

There are at least 3 different accounts being illegally reported that have negatively impacted me and my ability to acquire credit as a consumer.

As you will see in supporting documents XXXX is inaccurately reporting 2 of the 3 accounts mentioned and when I reach out requesting an investigation they either don't respond at all or claim to have either verified or updated the accounts but that couldn't possibly have taken place because they are STILL reporting inaccurately! For instance, there is an account with an Agency called XXXX XXXX XXXX reporting as a charge-off on all 3 Bureaus but there's also recent payments being reported. How can an account that was charged-off be active? All 3 Bureaus are intentionally allowing this company to report false information which is a direct violation of my consumer rights per the FCRA. XXXX is also falsely reporting an account with an Agency called XXXX XXXX that I have NEVER had an account with. They clearly did NOT investigate this matter although I requested them to do so several times. 

Both Transunion and XXXX have been illegally reporting an account with an Agency called XXXX XXXX XXXX that I have NEVER had an account with claiming they have verified it. I wonder how that is and even XXXX wasn't able to verify the alleged debt with the Agency. They are once again violating my rights by illegally reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

The following accounts are not mine and were unauthorized need to be removed immediately : XXXX  XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX These inquiries need to be remove as they are unauthorized : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried to transfer stocks from Robinhood to XXXX and it was blocked. This was almost 2 months ago. I then sold all stocks and removed all money from my account. XXXX weeks ago I tried to close the account and it will not let me. I have sent XXXX help requests with no answer via email and no one answers the phone at their corporate office. I want this account closed and my information wiped from their system due to suspect business practices.
Product: Checking or savings account

On XX/XX/XXXX I received 4 emails from Ally Bank stating that my accounts have been restricted for suspicious activity on XX/XX/XXXX. I contacted them by phone and was never given a clear reason for the restriction. However, I was informed that there was no suspicious activity on XX/XX/XXXX and the account was restricted because an investigation was opened on a dispute claim that I had filed on XX/XX/XXXX when I discovered my debit card had been stolen. I believe it is important to note that I received a new debit card after the XX/XX/XXXX dispute claim and had no issues accessing my account until XX/XX/XXXX. I have contacted Ally multiple times to attempt resolution with no success. The information I have been given has been contradictory and inconsistent. I have been given multiple different deadlines for the investigation to be completed ranging from 10 business days to 90 days. I have requested the initial dispute be canceled because I obtained more information from my family that the charges were legitimate. I have requested to speak to the investigator and was told the investigators do not take calls. I would really just like to have this resolved quickly and regain access to my funds.
Product: Credit card or prepaid card

Purchased a vacation package from supposed merchant XXXX in XX/XX/XXXX, merchant was refusing to render services. Canceled card within two business days of tranaction after investigating charge further including statement showing charge to unknown third party. XXXX also refused to book a vacation of several dates requested. During initial call to Citibank they refused to stop transactions. Attempted to reach citibank rep several times after initial call and was not properly notify me of closed dispute. I've made multiple attempts to resolve issue with merchant. Merchant reported they've not received funds after 45days of dispute being closed and still refusing to provide services. Finally gained access to dispute report in after 3hr phone call with Citi bank on XX/XX/XXXX after months of calling citi and multiple prior attempts of attempting to obtain documents. Dispute report was supposedly delivered XX/XX/XXXX to me and this never occured. I never received notice of documents uploaded to my account. Also, documents can not be viewed from mobile phone via citibank app or online via mobile. Can only be viewed on desktop and I never registered my desktop online account. Citibank also reports mailing documents I never recieved. Only document I received from Citi was a notice of late payment after dispute was closed, thus triggering sequence of events the past four months. The documents of dispute report show the merchant forged my signature on a contract I never agreed too. Also, multiple discrepancies where proven with time stamped emails and phone records I submitted to Citi that Sunwaves merchant claims in their report. The dispute report also has date from citibank screen shot showing inaccurate date of XX/XX/XXXX, a day after I actually obtain the report from Citi that was supposed deliever XX/XX/XXXX. Citibank is still refusing to take any accountability of error on their end and wont reopen the dispute for reasons that change every call. After submitting evidence of fraudulent activity to Citibank on XX/XX/XXXX, two business days after I finally obtained the report. Citibank informed me they would respond in 10 business days. Requested reponse in writing and it never occured via phone or mail. Called citi again and was told dispute was not allowed to be reopened per XXXX  protocol. Called XXXX  and XXXX representative told citibank they were negligent and wrong on a recorded call on XX/XX/XXXX. Visa representative filed incident report in XX/XX/XXXX due to citibank falsely claiming this is due to visa protocol. Citibank has continually given me false information every call and reports mailing letters and sending electronic documents that I never received. Citibank has consistently violated the consumer protection act as result of their own negligence and improper closing of dispute without my evidence to show illegal activity and services not rendered from merchant.
Product: Mortgage

In XXXX XXXX I got a mortgage with Wells Fargo. This was paid off and refinanced in XXXX XXXX, with Wells Fargo. 

Wells Fargo did not send a lien release and the paid in full note to me nor did they file with my county and my state that had paid them to do. 

Rather they filed a second lien against my home in XXXX XXXX, Wells Fargo solicited me in XXXX, I did not contact them they contacted me, saying they could modify this loan for free. However this was not what happened they created a brand new Loan without releasing the other Loan or returning to me or my County the Satisfaction of mortgage on this second Loan, little did I know then they were collecting {$1600.00} per Mortgage for helping people who needed help. In fact what they were really doing was solicting their Best Customers who really did not need this at all, I feel sad about that. 

They refiled a third mortgage and lien against my home, without releasing the other two liens or  returning the notes to me indicating that they had been paid in full. Plus the last mortgage they lied about the terms of this Loan While my note Stated it would go up a maximum of 2 % points each year after the initial 7 years the document they sent said it would go up 5 % points. 

In addition I had a Home Equity line of credit that was paid in full and closed no lien release for that either. 

They have been messing me around since XXXX reporting I had not made my XXXX XXXX mortgage payment to the Credit Bureaus, even thought all the paperwork was submitted to prove this was indeed not factual, they sent me three letters wriggling out of fixing it, and every letter contradicted the last letter. 

Now because of these problems and experiences with Wells Fargo, I have paid off all Loans in full, this was done in XXXX XXXX.
Product: Credit card

I have had a Chase Amazon credit card for several years. On XX/XX/ I received notice that Chase had reduced the credit line on the card from {$8400.00} to {$5600.00}. That is 33 %! In addition I received an alert from a credit watch agency that this reduction in credit impacted my credit score by a significant number of points. 
My credit balance at the time was approximately {$5000.00}. 
I have never had a late payment on this card or any other loan or credit card on my credit report. 
Chase stated in a letter the decision was made because my credit balance was too high and my payments have been too low relative to the balance. This is false. In fact, approximately 11 months ago, I paid off the entire balance to {$0.00}. 

I feel this is an unfair and discriminatory practice. I have a contract with Chase where they offer me an amount of credit, and in turn they charge me a substantial interest rate and I agree to pay my card on time. I have always fulfilled my end of the contract to pay my bill on time, They did not uphold their end of the contract and it is unfair that they can unilaterally change contract features and break the contract. 

In the past, when I have asked Chase for a reduced interest rate on my account, the request was denied stating that they are unable to change any of the parameters because the contract is set and they can not change it. Were they lying to me? They changed my contract without my permission. I have been fulfilling my end of the bargain and they have broken the contract. It is an unfair credit practice and it has harmed me by causing a decreased credit score, which in turn puts me at a disadvantage should I want to pursue other financial ventures such as buying a home or car.
Product: Credit reporting or other personal consumer reports

As I was reviewing my Consumer Report I noticed fraudulent accounts and inquires. 
I am a victim of identity theft because I did not give the accounts listed below consent to obtain my personal credit. My personal information was compromised and used without my knowledge. Per section 611 of the Fair Credit Reporting Act, 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 

Fraudulent Accounts XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX Fraudulent Inquires XXXX INQUIRY DATE XX/XX/year> I've attached an Affidavit that has proper identification documents such as drivers license, social security card, proof of address, and XXXX report.
Product: Vehicle loan or lease

XX/XX/2020 XXXX XXXX Called IFS to extend payment due to COVID-19,  per their webpage. 
Spoke to XXXX. 
He extended month of XXXX. 
Next payment XXXX Two weeks later, I'm getting collections calls about past due payment. 4-6 per day from a number not on the IFS website. When I answered, agent only knew my name and type of car and said " you know why I'm calling. '' On Monday, I called IFS : XX/XX/2020 XXXX XXXX Logged into portal. Saw payment extension wasn't there. No record of it. 
Called IFS. 
Spoke with XXXX. Note : I asked to confirm her name and didn't get a response, I didn't think anything of it at the time. 
She indicated she did see my call and agreement to move to XXXX. 
Claims she updated the system and it should be reflected by Friday on Portal. 
I asked what if not? Said it would be and apologized for the inconvenience. 
I said I don't trust this conversation given my last experience and that this is not an inconvenience, this is a failure. Who can I talk to? 
Then, I hear a sound that sounded like being hung up on. I stayed on. Feels like a trick to get me to hang up. 
About a minute later she came back on the line and said, " I thought I lost you. Please hold for a supervisor '' without being given a chance to say a thing. 
After about five minutes of waiting for supervisor, I hear : " Thank you for calling Nissan Motor '' then beep beep beep, hung up on. 
The XXXX website has several reviews with other consumers having similar issues. 

Also worth noting that the account number shown on their portal can't be copied, making it more difficult to fill out this form.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had multiple new account inquiries trying to open a credit line : XXXX XXXX AMEX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 American Express I did not inquire about anyone looking into my credit nor apply for any credit card recently.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Transunion neglected to update personal information, address is reporting incorrect. See attachments
Product: Money transfer, virtual currency, or money service

Coinbase locked me out of my account. 

They withdrew XXXX Bitcoin Cash and {$170.00} usd from my coin base account without authorization. 

In there defense I owe them XXXX, because a transaction didnt go through. I just need to access my account transfer my coin to fiat to pay them off. 

Problem I have is that I paid XXXX for my coin of bitcoin cash and they exchanged it for me at XXXX. Im up on all my other coin, this is not what I would exchange. If they just contacted me telling me I needed to pay them by XXXX everything would of been converted and theyd have there money. They didnt contact me and just locked me out. 

Case # XXXX
Product: Mortgage

I have been trying to do a mortgage modification with my lender Chase sinceXX/XX/XXXX. I have been unsuccessful with them since my ex-husband 's name is on the deed of trust. My ex-husband is in XXXX for domestic abuse. I applied for a modification due to financial hardship and falling behind on my mortgage payments when I first had him removed from our home. Since then I have been able to repair my financial situation and want to make good on my mortgage, however Chase is being very uncooperative. They will not grant a modification due to his name being on the Deed. I have explained that he is in XXXX  and refuses to sign and quit claim deed or power of attorney. My attorney has tried to threaten him with legal action, however he does not care. My attorney, the title company 's attorney and the mortgage specialist at Chase spoke at one point in XX/XX/XXXX and said if I signed a quit claim deed from my married self to my single self, and had that recorded with my divorce decree which clearly shows I was awarded the property, they would remove him from the deed. I did all of this and provided the original recorded copies to Chase. Chase is still refusing to do the modification work and is still asking me for a Quit Claim deed to be signed by my ex-husband. I have escalate this to the executive office and they were no help and have told me their research is closed as of XX/XX/XXXX and I need to provide the quit claim deed, along with proof of child support and alimony payments. I can't do anything else at this point. I am being held hostage in this house by a man that is in XXXX. I am trying to do what is right and make good on my mortgage and Chase is refusing to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX our name ] Enclosures : Social, ID, Identity Theft report
Product: Student loan

From XXXX I submitted paperwork to my student loan servicer, previously XXXX and now Fed Loan Servicing , to have my payments adjusted based on an Income Driven Repayment ( IDR ) plan. I would call and speak to agents who would repetitively state they did not receive the fax with my proof of income or my Public Service Loan Forgiveness ( PSLF ) paperwork. Eventually I would call and agents would state they " received my paperwork '' and I was " approved '' for a payment of {$0.00} based on my household income, the servicer would advise me to call back in a year to recertify. During XXXX, XXXX, and XXXX my loans went delinquent between 90 - 180 days before I was mailed a statement multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I then called and was pushed into Administrative Forbearances to clear my " overdue balance '' and then put in a General Forbearance while I again recertified my income. The only paperwork I can find is the letters from Fed Loan in XXXX - XXXX of XXXX. This income driven/PSLF process was confusing and repetitive. I thought it was just me, but now I see the stories that hundreds/thousands of others faced the same predatory practices that have negatively impacted my credit report and now my PSLF/TPSLF payment count. I have attempted to resolve this issue with Fed Loan Servicing as well as a FCRA dispute ; neither option has worked to correct the issues. Under the TPSLF program I was credited every other month in XXXX ( XXXX, XXXX, and XXXX ) while working for a qualifying employer. Then I was credited single months in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as a qualifying payments. These random dates make no sense and further my confusion about what sloppy and inconsistent servicing was provided in the years prior to the COVID forbearance. In total these practices of " lost paperwork '' and pushed forbearances have cost me 38 qualifying months that I would have been in an approved IDR plan and credited for PSLF payments. I know this was a servicer issue because my other set of loans ( Perkins loans for {$11000.00} with my university ) required certification yearly for five years ( XXXX ) which I completed and were forgiven. My loan delinquencies, forbearances, and credit reporting are isolated to XXXX and Fed Loan servicing issues, not my inability to complete the proper paperwork in a timely and accurate fashion.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, also known as XXXX XXXX, hired several collection agencies to collect a debt of {$740.00}. This debt shows a XXXX balance on their website as of XX/XX/23. I have written to the credit bureaus and filed a dispute. One of the collection agencies immediately removed the debt. A NEW collection agency has contacted me " FBCS , INC, ATTEMPTING TO COLLECT THE DEBT. This has affected my credit bureau score, reducing it from XXXX to XXXX! 
I would sincerely appreciate your assistance! 
XXXX XXXX.
Product: Debt collection

XXXX Submitted a reply to Regional Finance because they have defaulted on providing consumer validation on an alleged debt. On XX/XX/2022 regional finance was given a cease and desist and an opt out request for arbitration along with validation questions that Must be answered under FDCPA XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX regional finance failed to provide any required documents to consumer during the XXXX XXXX  discovery period. However regional finances branch XXXX breached consumers cease and desist by responding on XX/XX/XXXX of XXXX a statement requesting payment from consumer without validating the debt. Therefore consumer is now providing debt collector regional finance XXXX business XXXX from the date of certified mail an opportunity to cure the account by XXXX out the balance on the account and all consumers personal information in regards to the alleged debt and a copy sent to the consumer of deletion.
Product: Credit reporting or other personal consumer reports

They have added incorrect addresses and all sources that report info have been checked and they do not have those errors to report to the credit burea
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing XXXX decease on my credit report Having me get denied for everything I apply for. Having a big impact on my life style