23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and frustration regarding the numerous unsuccessful attempts and delayed correction of the late opening of my accounts with Credit Bureaus. Despite multiple communications and persistent efforts on my part, the issue of late account openings persists, causing significant inconvenience and frustration. 



Initial attempt to open the accounts was made, but I encountered issues with the process. 

Contacted customer service immediately and was assured that the issue would be resolved promptly. 

Followed up on the progress, only to find that the problem persisted. Customer service assured me that it was being addressed. 

Subsequent attempts to open the accounts were made, yet the issue continued to persist. 

Numerous calls and efforts were made to customer service, each time receiving assurances that the matter was being escalated, but the accounts remain unopened. 

The prolonged delay in correcting these issues has not only hindered my ability to access the accounts ' services but has also created unnecessary stress and uncertainty. 

I urgently request the following actions : Immediate and expedited investigation into the root cause of the late account openings. 

Transparent communication regarding the steps being taken to correct the issues. 

Swift resolution and correction of the account opening problems, with confirmation of the successful resolution. 

Assurance that these issues will not impact my accounts ' functionality or standing once resolved. 

Compensation for the inconvenience and any potential financial impact caused by the delayed account openings. 

I insist on a resolution within the exact time frame from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to correct the late open accounts in my credit file XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$20000.00}.
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, REGIONS BANK failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
REGIONS BANK Account XXXX XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
REGIONS BANK Account XXXX XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Debt collection

On XX/XX/XXXXthe Law Offices Of Mitchell reported a medical debt to my credit report that does not belong to me. This debt had already been disputed once with another debt collector and had been removed from my credit report, so the Law Offices of Mitchell must have bought out this debt.

I have not been to a medical facility in at least 10 years. I do not have any liability to anyone else, for any medical payments. This debt does Not Belong To Me. I have had to dispute under identify theft before, with the credit bureaus. In XX/XX/XXXXMy vehicle was broken into and my checks and ss card/ID was stolen along with all of my business equipment. At that time I had to change my bank account information and issue a new ID & SS Card. 

As stated before, this does not belong to me. I haven’t even received a bill to call and dispute, I have already taken it up with the credit reporting companies. This needs to be removed from my report, and not sold to other parties. I am in the process of buying a home, and this debt is hurting my loan which is already in the process of closing XX/XX/XXXX. These people need to figure it out, if they have a copy of the information provided they should share. I don’t believe it’s fair I have to keep disputing the same debt, and the original company- XXXX XXXX XXXX  Of Missouri and the debt collectors keep selling it to a new party.
Product: Credit card

I have asked American Express to resolve a dispute with the XXXX XXXX XXXX XXXX for a parking charge of XXXX as I did not rent a car during my stay at the resort. 
They have not acted my protecting my interests in this matter.
Product: Credit card

I've consistently made timely payments on this account, ensuring they are never overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be rectified.
Product: Mortgage

Dear CFPB - As of XXXX/XXXX/2017 my fixed rate home loan which is being Serviced by Mr. Cooper of XXXX XXXX XXXX XXXX, XXXX TX XXXX is transferring my loan to XXXX XXXX XXXX XXXX. 

This was done without notice before the transfer and upon calling the customer service center the agent refused to offer any help and tried to push a refinance. After being told multiple times that I had no interest in refinance, the agent continued to push that option, which was unacceptable. ( Agent ID - XXXX XXXX ) Consumers should be given a choice in who is servicing their home loans, specifically, we should be able to NOT chose to do business with a company such as XXXX XXXX, especially given the fact that company has been called to testify in front of congress for illegal business practices.
Product: Payday loan, title loan, or personal loan

. Aloha. My name iz XXXX XXXX, i waz seeking guidance about particular loanz on the live. chat option of the personal. loan section of the Wells Fargo website. with an. agent named " XXXX '' when he terminated. the chat. claiming .that. 'due. 2. the. nature of this conversation ' he could no longer " proceed ''. i am filing this complaint 2 affirm. that. my wordz were relative 2. subject and. that. the representative discriminated against me based on. my income. status. Furthermore, when. the chat. waz unceremoniously cut short, the option 2 'rate. this experience ' ( i.e. " did 'XXXX XXXX answer my question ) - Waz malfunctioning. This waz a very. serious. setback for my. company and haz compounded both the problematic nature of approaching a lender and. maintaining a sense of dignity at. the. same. time. i will appreciate. the response you would prepare for me and. am reachable @ XXXX.... XXXX.
Product: Credit card

Discover credit card I asked for a 1099C to cancel the debt and never got a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many inquiries at my credit report, I dont recognize it
Product: Debt collection

they garnish wages without letting me know send to old address and my employment knew my address is my ex address I cant believe what they did I have XXXX XXXX taking XXXX % of my pay my XXXX is XXXX because i have to work over time I called them and they still taking it out it was open back in the year 2000 i need help
Product: Credit reporting or other personal consumer reports

I sent a letter to TransUnion on XX/XX/year>, regarding a collection account that is on my credit report. I sent a letter to the Collection company and it was returned for insufficient address. On the letter I sent to all three credit reporting agencies. I informed them, the responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : '' The FCRA prohibits furnishers from providing information to a consumer reporting agency ( " CRA '' ) that they know ( or consciously avoid knowing ) is inaccurate. I requested they remove this account due to the FCRA violation. They responded with INVESTIGATION RESULTS : VERIFIED AS ACCURATE ''. Which means they obviously did not do an investigation because I still have not been provided with an accurate address, This is over well over 60 days ago and this account needs to be removed off my credit report.

The company is also in violation of Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ( C ) ALSO - they violated FDCPA - because at no point have they Spoken to me in person Spoken to me by telephone They did not mail me a collection letter giving me time to dispute the account and they never sent any electronic communication to me. Ive included a copy of the account on my credit report Ive also attached the returned envelope that proves they provided the credit bureaus with the incorrect address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding the inaccurate information reported on my credit report by TransUnion. Despite my initial contact with TransUnion on XX/XX/XXXX, they have failed to respond or take appropriate action to rectify the errors. I request your assistance in addressing these concerns and ensuring compliance with federal law. 
Outlined below are the specific details of the inaccuracies and the necessary corrections for each account : The following accounts do not belong to me, and I request its immediate removal from my credit report. 
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 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: Mortgage

On XX/XX/XXXX I notified Amerihome that I have paid my homeowners Ins renewal for the year. Amerihome notified me that the loan type requires my homeowners insurance be paid thru escrow and that they would return a check to me in the amount of {$980.00} for the annual payment that I made since they would be paying the renewal.

Over 7 calls, speaking with supervisors at Amerihome, only to be told a different answer each time when following up with the check. Supervisors have said it would be mailed out in 3 days, it would be overnighted, to no check was going to be issued. A supervisor is always scheduled to call and follow up per the request in 24 hours. I have not received 1 phone call. This is my first 2 months with this lending company and it has already been off to a horrible start. It is impossible to get any resolution. I am beyond frustrated after 7 attempts and no follow up from Amerihome as they said they would.
Product: Money transfer, virtual currency, or money service

I am writing this Complaint with respect to various cryptocurrency trading platforms offered by Coinbase Global , Inc. not being able to provide legally required records to me. For simplicity, I will refer to myself as " Customer '' hereafter. Customer bought a XXXX  called XXXX XXXXXXXX ( XXXX ) offered on Coinbase 's " Coinbase XXXX '' platform on or around XX/XX/XXXX. Between this date and XX/XX/XXXX, the approximate value of a unit of this cryptocurrency fell to zero United States Dollars. In or around XXXX of XXXX, Customer attempted to go back to one of Coinbase Global , Inc 's platforms " Coinbase XXXX '' in order to obtain/download records for the aforementioned XX/XX/XXXX buys of XXXX XXXX ( XXXX ) only to find that " Coinbase XXXX '' is no longer functional and any attempt to sign in to Coinbase XXXX simply leads to the sign-in screen presenting a red error message that says : " Coinbase XXXX  is deprecated. For all trading needs log into coinbase.com. '' A screenshot demonstrating the same is attached below. Following this, Customer attempted to log in to Coinbase only to find that full Coinbase XXXX trading records are not available from Coinbase.com ( another, related Coinbase Global, Inc. platform ). Records of the buy times and XXXX  units which were bought are available on Coinbase.com ( and the same is attached below in the document labeled " XXXX XXXX '' ), but there are no records of the price at which the assets were bought in these records. XXXX as the XXXXustomer needs detailed records in order to declare a long term capital loss on personal taxes, Coinbase needs to find a way to provide the customer with detailed, accurate records and/or provide the customer with sufficient monetary compensation to cover any long term capital losses which can not be declared due to the absence of such records. The price of XXXX XXXXXXXX swung between {$86.00} and {$1.00} on the day, XX/XX/XXXX, these XXXX XXXXXXXX ( XXXX ) buys took place and, due to the fact that the Customer has XXXX units of XXXX XXXXXXXX ( XXXX ) as demonstrated in the Coinbase XXXX wallet screen capture labeled " all XXXX example '' attached below, the capital losses could be between {$36000.00} and {$620.00} and the buyer does not have a recollection of what the actual amount was. Please note that the Bank Secrecy Act ( BSA ) indicates that detailed records of said trades should be available for at least XXXX five years from the XX/XX/XXXX date the XXXX  XXXX ( XXXX ) buys took place. Accordingly, Customer needs these records to be provided immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help with a dispute that I sent on XX/XX/2022 regarding some inaccurate things on my credit report. It has been almost 30 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Mortgage

Chase Home Finance would not consider me for any program when I became XXXX and unemployed. Their idea of a re-modification was to increase my payment that I already could not make/afford by over $ XXXX monthly. They cancelled my home owners insurance that was less than {$1000.00} and replaced it with a policy over $ XXXX yearly. I did have an attorney who retired and passed me on to his partner who did NOTHING except process me right into a sheriff sale-foreclosure. They offered me nothing ( no programs - no options ) even though I submitted all documents as instructed per Chase 's employees. Have No idea what my rights were or are as I am not an attorney and can not afford one. All I know is I put $ XXXX down for my $ XXXX that 's worth under $ XXXX and now I owe close to half a mil with all of Chases crazy fees-YIKES!!!. Thanks to the foreclosure on my credit report now I ca n't even qualify for anyone to show me an apartment let alone rent me one and am headed into being homeless with my stealth medical condition. Chase ignored my pleads for assistance and their operators are like a bad joke. Each one you speak to gives you different MIS-information that leads you to nowhere. Do yourselves a favor stay away from chase and anyone connected to them. Good luck.
Product: Debt collection

I was approved by Service Finance Co, LLC for solar panels and back-up battery. I was promised in writing {$11000.00} in tax credit would be applied to the loan balance that would maintain my monthly payments at {$130.00} currently deducted from my checking account each month. On XX/XX/XXXX I was notified that my loan payment had increased by {$52.00}, is now delinquent and now in collection even though they are deducting {$130.00} from my checking account monthly. This same type of fraudulent abuse occurred when XXXX of the XXXX installment steps had not been completed and the company was harassing me to make payments 2 years ago which caused my credit score to drop from XXXX to XXXX. What can I do to protect my credit from these predators? Are there class action suits available for me to join in a fight against this.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax regarding their failure to respond to my dispute concerning fraudulent accounts that have been incorrectly reported under my name. 

On XX/XX/year>, I sent Equifax a XXXX dispute letter, requesting the removal of several accounts that do not belong to me. These accounts were falsely attributed to my credit report, and I provided detailed information and documentation to support my claim of fraud. Despite the serious nature of this issue and the clear evidence provided, Equifax has not responded to any of my correspondence. 

As of today, more than XXXX  days have passed since I submitted my initial dispute, yet I have not received any acknowledgment or resolution from Equifax. This lack of response is not only unacceptable but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate and respond to disputes in a timely manner. 

I kindly request that the CFPB intervene to ensure that Equifax fulfills its legal obligations to investigate and resolve my dispute promptly. The failure to act on this matter is causing significant distress and potential harm to my credit standing.
Product: Vehicle loan or lease

SAFCO has an auto account that is reporting on my credit report. They are reporting the full loan amount on my report instead of the deficiency balance. This information is incorrect. By law they are violating multiple sections of the FDCPA and FCRA. I have sent numerous letters for this to be rectified. SAFCO also they keep change and ballooning payments to add try and collect more money which is also a violation of the acts listed above. SAFCO failed to provide notice of repossessed vehicle being up for auction, notice of final sales amount of the auction ( with deficiency balance included ), they also failed to provide notice of how to recover the car during the repossession time period. They sold the vehicle and are trying to pawn the full balance of the loan plus interest on me. Law states that a deficiency balance notice must be provided. FCRA and FDCPA both state that if a debt is written off by a company through taxes, that legally the debt has been paid. I am requesting records of the charge-off loan balance that was written off, statement of vehicle sale through auction after repossession whether public or private, deficiency balance statement from the date of sale through auction proceedings. SAFCO will need to provide all documentation of the loan paperwork signed with dealer and alleged debtor, and items listed above for my attorney 's review. At this point, we are pursuing legal recourse for violation of the FCRA and FDCPA.
Product: Mortgage

I currently hold the security deeds on my home, my husband is on themortgage loan. The Lender receives payments from me, the Lenderhas received written notice to release and forward all correspondenceto the borrowers spouse. The mailing address is the property addressthe lender refuses to acknowledge the request for mailing, due to aproperty damage insurance check that was withheld during a collaboratedprocess of timing with the insurance company to enforce a non-judicialforeclosure on my property. The Lender refused to adjudicate a mishandlingof the property damage claim check, from the insurance company bank andthe XXXX lender who was discharge in bankruptcy proceedings, holdingthe check promoting harassment and withholding information to claim viabanking policies and inside employment collaboration. The continuation ofthis situation between the mortgage companies and the insurance companybank, clearly instigate RED LINING.
Product: Credit reporting or other personal consumer reports

I reached out the Experian credit bureau in XXXX of XXXX asking them to show proof that I am responsible for a car loan balance and its original amount owed. They never sent me anything in the mail. I got occupied with more pressing issues since then and forgot about it. I recently sent in a letter on XX/XX/XXXX asking Experian to send me written verification that I owed this balance to XXXX financial and its original balance. I have seen this balance go from {$5000.00} to now {$11000.00}. I reminded them that fluctuations in a debt is illegal and I still have not received written proof that I owe this amount or have and associates with this debt.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$7500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5500.00} XXXXXXXX XXXX