23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Midland Mortgage is holding my loss draft money to complete my house repair after water damage. I fired a contractor who called the mortgage company stating that I owe him money. This is far from the truth. I have sent all of the documentation to prove that I owe him nothing. He has followed the legal process to file a mechanics lien on my home. He does not have a signed contract by myself and my wife ( which is Texas law on a homesteaded property ). A contractor should not be able to call a mortgage and lie about this! He hasn't even given them a dollar amount that he is requesting and yet the mortgage company is refusing to release my money to the new contractor that finished my home. I need this money so the new contractor can get the money he is owed!! I don't know what else to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Experian, XXXX and XXXX are reporting inaccurate, fraudulent and false information on my credit report. I will list the following accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By these credit bureaus listing inaccurate and fraudulent information and isn't 100 % correct is a direct violation of the FCRA
Product: Student loan

I made my XX/XX/XXXX payment plus extra in the amount of {$450.00} to Navient XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. The check was cashed on XXXX/XXXX/16. Navient Solutions has sent me a bill stating I am past due for my XX/XX/XXXX payment. When I called I was given an explanation routed to a supervisor, but disconnected twice before being speaking to the supervisor. After 1.5 hours of trying to call Navient, a supervisor finally called me back. She proceeded to give me a third explanation of what happened, which includes insisting I mailed my payment to an address other than the one above. Navient acknowledges receipt of my check and cashing my check, but because it was sent to another address for Navient, Navient is issuing a refund which will take 60 days to receive. Until then I am past due or I could give false testimony and claim I have a financial hardship and agree to pay any late fees and interest. I am a lawyer -- I will not give false testimony. I do n't know how the check could have been routed to an address I do n't even have.The first representative stated Navient re-routed it while the second representative and the supervisor insisted I mailed it to some address that I do n't have and both confirmed I had the correct address when I provided the address above. I do n't think my credit should suffer because of Navient 's incompetence.
Product: Money transfer, virtual currency, or money service

I was initiate a transfer from chase saving account to my XXXX XXXX  account, and the beginning I add the external account information in chase app and it get verified, then I start the first transfer, the amount is XXXX XXXX which place on XXXX, and get received at XXXX. So I start another transfer at XXXX, which to the same account with the amount is XXXX XXXX But until now is not able to received, and the status show on the chase webpage said its complete and after I check again through the customer service department, they said the money is been sent. I should go to XXXX XXXX  to find the money. For my request it is that the XXXX XXXX  state that their not receive any thing, but chase bank said that they already sent it, but where is my money?
Product: Checking or savings account

I am XXXX XXXXXXXX XXXX XXXX XXXX XXXX  many times I did transfer money to my bank account they usually put long holds up to 15 days on my account, which caused a lot of problems and stress for me as an XXXX XXXX  here and extra fees for delayed payments, also some times I have been telling them that I dont have even money to buy food but they literally didnt pay attention and just repeated words like robots! 

More than a month ago I reported a scam on my account and they started closing my savings account without telling me, and I was supposed to receive a cashier check in 7-10 business days which I have not received yet after 35 days! After a lot of calls and going to the branch and supposed to receive check from branch, I am told that I will receive a check in 7-10 business days by mail! They also have closed my credit card without letting me know on time again, I receive letters after my account are already closed, and today I noticed that they are also closing my checking account too! All my money is frozen now in their bank with no reason! I told them I have no money to buy food even and they didnt pay any attention. As an XXXX XXXX just graduated with no job and stable income its been so frustrating, while providing the expensive currency in this broken economically situation if XXXX is another hard process for us! I really appreciate your help and consideration on this case! Its XXXX and I dont think that transaction of money or even disclosure of account should not be in this way! I am very frustrated by this bank and I want all my money back as soon as possible to open a new bank account. 

Best, XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 U.S code 1692 ( g ) validation of debt XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
6. 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 XXXX Account Number : XXXX Please remove it from my credit report. 
7. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
8. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. This account was CLOSED. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
10. The following personal information is incorrect Former : XXXX XXXX XXXX 11. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX 12. I have not supplied proof under the doctrine of estoppel by silence Engelhardt vs. Gravens ( mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX
Product: Debt collection

I was notified by a credit monitoring website that I had a medical debt that went into collections on and around XX/XX/. However I did not recognize the collection agency ( ARS Account Resolution ), the amount of XXXX, nor the original creditor XXXX XXXXXXXX XXXX XXXX XXXX. It was supposedly for an medical emergency service but I nor any family member went to the XXXXXXXX XXXX this past year. Furthermore, I do not recognize the supposed location where this medical emergency occurred. I was not surprise to find out XXXX XXXX XXXX XXXX XXXX did NOT produce a website page result in a XXXX search. Next when I went to inquiry and reach out to the ARS Account Resolution, it became apparent to me that this was a complete fraud and was simply an attempt to defraud money for services that were never rendered. I am now very concerned that my identity has been stolen as this person/persons had sensitive information. It is unfortunate that there are people out there attempting to fraudulently steal money from people who may be vulnerable to these types of schemes. Please advise as this has completely ruined my otherwise excellent credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX have contacted Equifax to let them know there was an error in their computer system and the payment history has never been late or past due, Due to that error Equifax have lower my credit score points over XXXX points in the past 2 months, the XXXX XXXX XXXX XXXX XXXX also a personal long time fried have called and faxed proof to Equifax that the information was wrong. 
Last report attached said " it has been fixed '' I see the updated on bold updated to current payments, but my credit score has not been fixed back to prior to XX/XX/XXXX when all of this was stared it was XXXX as right now Equifax have reported XXXX XXXX points.
Product: Money transfer, virtual currency, or money service

This compliant is about Coinbase. I fully appreciate the risks of trading cryptocurrencies, however their false and misleading information caused me to lose money, and their lack of accountability is unacceptable for a publicly traded firm. 
By way of background, I sent XXXX ( XXXX, also known as new XXXX or XXXX XXXX ) to my Coinbase wallet, to the address provided by Coinbase in my account, which was confirmed on XXXX. When the XXXX did not show up in my Coinbase account, I started looking what might have happened. Apparently, Coinbase only supports XXXX XXXX  ( referred to as XXXX on the XXXX website - https : XXXX ). XXXX underwent a swap to XXXX and has a different logo. Coinbase uses this new XXXX logo and symbol XXXX, but apparently, they only support XXXX. 
After many attempts to contact Coinbase ( all you can get are automated replies ), I finally got an agent who said that the coins would likely be available when Coinbase swaps XXXX to to XXXX ( the new version ). Per Coinbases website, this was to occur by the end of 2021. I have a copy of the webpage stating this as well, but they have now changed the page to remove the 2021 notation. 
I asked Coinbase to either return them to the Metamask wallet from which they were sent or liquidate the XXXX to Ether or USD within my Coinbase account. They said they could not do this, which is incorrect as they are working on the swap of the coin and do have access to my wallet, so whether internally or using third-party programs, they could effectuate the swap. 
After filing a formal complaint with Coinbase ( and it taking them over a month to respond ), they said that they owed no responsibility, citing Section 2.3 of their User Agreement which provides that Coinbase only supports certain cryptocurrencies and is not liable when you transfer unsupported cryptocurrencies to your Coinbase. This is a legitimate position on their point if the issue were that I just sent the wrong coins to my wallet, however the issue here is not that they do not support the cryptocurrency it is that they displayed false and misleading information about the cryptocurrency that they do support, which compelled me to transfer the wrong coin, and then they claim it is out of their control and lost ( which is in conflict with them also saying the coins will be available once they complete the swap to XXXX, which was supposed to be done by the end of 2021 ). 
I am happy to talk through the situation with a representative who understands crypto and how transfers are made. As noted, I would usually take full responsibility for sending the wrong crypto or sending to an incorrect address, but that was not the case here. Coinbases false and misleading information led me to improperly transfer the funds, and they should be help accountable. 
Thank you for your assistance. 
XXXX XXXX
Product: Mortgage

Yes, we have contacted the company, XXXX XXXX XXXX many times in the nearly 6 months since we began this arduous refinance with them. 
It began with our loan application completed along with all requested documentation in mid XX/XX/2020. Now, we understand with the interest rates at historically low rates the mortgage companies are bogged down and likely to take longer than usual. With that said, we are coming now on six months and no contact from the loan processor, customer service or anyone else from the company. I've left 7 emails in the past two weeks alone plus I've tried to call their corporate office to get through to customer service, first the voice mail was full, next three times, the phone just rang and rang and rang. 
We've paid already for an appraisal, it came back at a favorable amount seven weeks ago and still no closing date or promise of a closing date.

We have superb credit, fabulous equity position and verified income. This is not because we're remotely uncreditworthy. I'm not sure what this is ... desperately poor expectation management and communications, I'd guess.

Simply put, this company may be a scam and we've wasted 6 months. Can you please check into our case and let us know if this company is even real? 
Thank you for your time and efforts ; you are appreciated. 
XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

got a loan to get transmission on vehicle replaced used my title as collateral interest to renew monthly is XXXX that does not touch principle only renews loan for 30 more days and no repossion of my vehicle i recieve ssi monthly and am drowning because i have been paying for a year now and feel like i have paid it in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. I need the following inquiries to be deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My credit score was great in late XXXX. Then prior to taking a trip, I checked my credit report and there is a false charge from XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/2023. I am in great health and worked tirelessly the entire month of XXXX. This charge is not mine. I never received notices of this charge, as it was fraud and just appeared on my account under the Collections Agency of Lockhart Morris & Montgomery. I filed a police report for the identity theft and fraud. This is not mine and must be removed.
Product: Debt collection

It started with an account ending in XXXX. In XX/XX/XXXX, I received an alert that my Amazon Store card reached a balance over {$200.00}. I immediately checked my Amazon Store Card account online to find that several purchases were made in XX/XX/XXXX that I did not make. I then contacted Synchrony Bank to report credit card fraud on my account. I received a letter on XX/XX/XXXX regarding the credit card fraud and that my card ( XXXX ) was cancelled and a new card would be issued. On XX/XX/XXXX I received a letter that the balance at that time of {$170.00} has been transferred to the new card ending in XXXX. On XX/XX/XXXX, I received a letter from Synchrony that my fraud claim has been approved. 

In the letter of XX/XX/XXXX, it stated that my claim may take up to 60 days to be resolved. It is now XX/XX/XXXX, and I am still being harassed with telephone calls and letters that I am delinquent on my account. Also late fees and interest has been added. I have made numerous calls to the Synchrony 's Fraud Solutions Team ( XXXX ) since this problem arose in XX/XX/XXXX without any resolution.
Product: Debt collection

I was living abroad during the period of XX/XX/XXXX- XX/XX/XXXX as an expat. Upon repatriating, I found that my credit score was severely affected due to a number of fraudulent accounts reported under my name. I disputed those accounts and was able to have them removed except the one reported by " Harvest Associate Inc. '', which is shown as in collection, with the original creditor listed as " XXXX XXXX XXXX '', a hospital XXXX XXXXXXXX that I have never visited in my entire life, let alone during the reported year of XXXX, where I was physically living in XXXX / XXXX. There is simply no possible way that I could rack up a medical bill when I was on a different continent!! 

I was able to successfully dispute this account with XXXX. However, XXXX insists that the record from Harvest Associate Inc. is correct, without conducting any actual investigation. " Harvest Associate Inc. '' also insists that the collection account is definitively mine, even though they could not provide any definitive proof ( they could not have because, again, I was not physically in the country when the medical cost was incurred ). 

This record has negatively affected my ability to secure an apartment lease when I first moved back to the US. After multiple disputes, both XXXX and Harvest Associate Inc. still insist on upholding their false claims. Now it's affecting my chances of getting a mortgage for my new home.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found these late payments on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX ; XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX XXXX to inquire about my credit. I did not apply for a credit card with XXXX. 

My credit report with XXXX, XXXX, and Trans Union show that on XX/XX/2022, XXXX XXXX pulled my credit. 

I requested that the credit agencies verify this because : a ) Did not give my permission for XXXX XXXX to pull my credit. 
b ) I did not sign up for any type of credit service. 
c ) I never received any type of notice in the mail that I was accepted or rejected. My fear is that this went to a fraudulent address and not my address. 
d ) I confirmed with XXXX ( who subcontracts this service out ) that I did not apply for this service. XXXX informed me that there is NO application linked to my phone number. 
e ) XXXX XXXX has not provided me with a the original contract so that I can verify if it is my signature or a fraudulent transaction.
Product: Debt collection

XXXX was given my medical insurance information on three occasions over the past 3 years. They refused to contact my insurance company and stated that I still owed them money that would have been covered by insurance. I am frustrated because as soon as I thought this was settled I got another letter from them and then another. I gave them the correct information on more than one occasion and they have no right to collect a debt that I do not owe. Furthermore, Nationwide Recovery systems has no right to file this with my credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 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 a account without my written instructions.

15 USC 1666B : A creditor.ay not treat a payment ona credit card account under an open end consumer credit plan as a late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

ok I ask the inpector general for help a bout my dbt collection but they do n't help enough I have problem with XXXX XXXX bank they send me to collection to Equifax XXXX in Gorgia XXXX that happened have long time XX/XX/2006 let me know you can help me thank
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with its first six digits " XXXX '' was opened and shown in my credit reports on XX/XX/2020, with a credit limit of {$1000.00}. The report says it's a XXXX XXXX XXXX XXXX card, but I verified with XXXX that it's not my account. This was not done by me.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. Or 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 XXXX 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.