23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, Saturday, XX/XX/XXXX, I was receiving an email regarding an open student loan account with the company " MOHELA/DEPT OF ED ''. I was investigating on my own and the address in which it appears that they took the loan is NOT where I live, I do NOT know that address and I have no relatives who live in that address. So it alerts me to think about " fraud/identity theft ''. My credit score has been quite affected by that loan which IS NOT MINE. I am not currently studying, I finished in XX/XX/XXXX and my student loan was closed since XX/XX/XXXX and I have evidence that it is closed.
Product: Debt collection

The original debt is from the y ear  XX/XX/XXXX , yet my credit report states the debt is from  XX/XX/XXXX . This debt has been illegally re-aged. Additionally, it appears that there other inaccuracies on this debt as well. T he company is THE  CBE GROUP INC
Product: Mortgage

they called us and said we are behind in our payments, but we have every payment they have gotten and every check they have cashed. even paid almost {$300.00} dollars extra to newrez to cover said expense 's but they never added it to our account and just keep trying to raise our fixed mortgage rate. We have every record of payment and they just keep trying to add to it.
Product: Credit card or prepaid card

XX/XX/XXXX I received multiple items from XXXX XXXX that cost approximately {$5000.00} dollars. The XXXX XXXX XXXX team was present to assemble all items for a fee of {$340.00}. One of those items was a XXXX XXXX ( {$1900.00} before discounts ) that came with a back piece that did not fit properly. The delivery team was unable to fully assemble the sideboard with the back piece that came with the order and they also left bolts and screws in a bag inside the sideboard for when the new piece arrives, as those will be needed for the next delivery team to put together. The delivery man took photos and I took photos. I called XXXX and sent them my photos. They told the credit card company that I waited a week to notify them. That is untrue. I have many many emails that I submitted to the credit card company in a timeline that was easy to follow if one took the time to read them. I also have many photos. Because I never received the back piece, the top of the sideboard warped ( pictures were submitted ). The sideboard is sitting at my house still to this day. It's never been used and is totally unusable without a back piece and screws and bolts still sitting in a bag inside. When days went by without communication or answers from XXXX I disputed this with the credit card used. 

In that same order and on that same day there was supposed to be 4 XXXX chairs ( 2 sets of 2 chairs ( {$1000.00} before discounts ) and again the {$340.00} XXXX XXXX XXXX XXXX to assemble these chairs. The delivery team said the 4 XXXX chairs were not on the truck. I called XXXX that day and told them this as well. They said they would put a trace on them. I have never received these chairs. XXXX told me that they were aware that I never received these chairs, and still has not refunded me for the missing chairs. The chairs and the XXXX XXXX XXXX XXXX  was added to the above credit card dispute. 

To summarize, I have received damaged merchandise from XXXX and charged for merchandise and services that I never received. I have been notified by my credit card company ( Costco Citi Visa ) that the dispute has been resolved in XXXX 's favor. That was XX/XX/XXXX. My husband contacted Citi Visa on XX/XX/XXXX and they have not re-opened the case. Our Costco Citi Visa credit card has charged us {$3400.00} which is payable in XX/XX/XXXX. My husband gave me this website upon his research and our credit card company has not notified us about our appeal options. 

Thank you and your agency for your anticipated effort in resolving this matter. 

Respectfully submitted, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX - XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Account needs to be removed from report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I bought a token called Gyen at the price of XXXX cents on coinbase pro. I bought token for my mother and myself, both trandactions closer to {$1900.00} each. Coinbase halted all the trading. Since it is considered a stablecoin, the price of the token should have had a stable price from the begginning. Many people didnt know this. By default you buy and sale coins on coinbase, a behavior that has becomed automatic and coinbase knows that. Buy low and sale high that is the purpose of trading. When coinbase halted all the trading it caused many customers to recieve loses. Coinbase let trading go on for several days and later stopped the transaction due to unusual activies to later resume, coinbase should have never resume trading to minimize losses to the clients. Coinbase never acted in the best interest of clients but the best interest of themselves. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe coinbase is acting in bad faith and it is trying to set the blame on the users.
Product: Credit reporting or other personal consumer reports

I had an unauthorized credit freeze an am not sure how to fix it.
Product: Mortgage

We found out in early XXXX that the company that we have our mortgage with, LoanCare, did not pay our homeowners insurance premium out of escrow for the 2022 year. We immediately contacted the insurance company on or about XX/XX/XXXX, XXXX XXXX, about whether or not they had received any escrow payments for the insurance. They notified us that they had reached out to LoanCare on multiple occasions over XXXX about the lack of payment and they said they never received payment or correspondence from LoanCare. We then asked XXXX XXXX for a new quote for insurance for XXXX and asked them to send that over for request of payment for the new homeowners insurance. LoanCare then paid XXXX XXXX XXXX for this new quote. We then received a letter on XX/XX/XXXX from LoanCare stating that there was a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX and that they were planning on charging us an additional {$3600.00} for this time period. The lapse of coverage was due to their negligence and the amount is about {$1000.00} more than what we had arranged with XXXX insurance for that time period that they neglected to pay them from escrow ( as requested by XXXX XXXX multiple times with no correspondence back from them ). We contacted them to discuss this issue, the lady that answered was extremely argumentative initially and then stated that " oh wait I see that you submitted documents covering the dates needed, call back next week and it should be resolved ''. Today, we received an email from the company after business hours that they had dispersed {$3600.00} from our escrow account and does not show to whom it was dispersed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since COVID-19 pandemic I entered into an agreement with my mortgage co into a forbearance. They reported to Trans Union that I was delinquent on my XXXX payment. I'm on a forberance plan with them which states I will not be reported to the credit bureau. I called TransUnion because my credit score dropped 90 pts. and was told my mortgage company reported I was delinquent on my XX/XX/XXXX payment and that I was in Chapter XXXX bankruptcy. I was discharged from my bankruptcy 1 year ago after having it on my credit report for 10 years. XXXX can not add a statement in my credit recordabout being in bankruptcy when I did my part and have a record on my credit report for 10 years and being discharged 1 one ago. I started a dispute with Trans Union. I immediately call my mortgage company to find out why this happened and they apologized and would fix the problem. I waited one month for the dispute to be over. I called today XX/XX/XXXX to TransUnion to ask about the results from my dispute and was told my mortgage company came back with a no change status results. I called my mortgage company and spoke to a supervisor and he told me that XXXX did response as of XX/XX/XXXX but I would not see the results for a couple of weeks. I again on XX/XX/XXXX called back Transunion to ask when the results of my dispute would be updated. I was told results are updated immediately and XXXX did respond with a no change status. I started a new dispute. After I called XXXX again to complain about my situation and was told by customer service that my dispute/complaint would have to be sent to them in writing. I don't understand why and how XXXX   can get away with this. I have excellent credit history and now my score in 90 pts less. I did have a bankruptcy that started in XX/XX/XXXX and ended in XX/XX/XXXX I was discharged. I did not add my mortgage in my bankruptcy. I have been paying it ever since until I lost my job during this pandemic. XXXX can not add anything having to do with my prior bankruptcy or missing a payment as Im in a forberance plan with XXXX. Please help
Product: Debt collection

This debt collector Steel River Systems , LLC threatening me constantly. I sent them a cease and desist, which they confirm they have received but have completely disregard it and continue calling and emailing me. They are only to send physical mail, and that's once this alleged account debt has been zeroed out. It needs to stop. I do not now, nor have I ever owed them any money. The have violated numerous rights. I am filing this complaint before escalating this to small claim court where I will in fact sue them for defamation of character! I have attached the last email where they admit, they received my cease and desist. I also asked for the following information which they did not provide. 

Please provide the following information 1. Name and address 2. Name on file of alleged debtor 3. Alleged account # 4. Address on file for alleged debtor 5. Alleged account # 6. Amount of alleged debt 7. Dates ( this alleged debt became payable ) 8. Date of original charges or delinquency 9. Was this debt assigned to a debt collector or purchased?

10. Amount paid if debt was purchased?

11. Commission for debt if collection efforts are successful Please attach copies of the following : - Agreement with your client that grants Accelerated Steel River System the authority to collect this alleged debt - Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector - Any agreements that bears the signature of Debtor, wherein agreed to pay Collector. 
- All statements while this account was open - Have any insurance claims been made by any creditor regarding this account? Yes or no- Have there been any judgements been obtained by any creditor regarding this account? Yes or No Please provide the name and address of the bonding agent for Steel River System in case legal action becomes necessary : Authorized Signatures of Creditor : _________________Date : ___
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter disputing and challenging unauthorized and fraudulent inquiries being reported on my credit report. Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that XXXX, Transunion and XXXX investigate these non-account holding inquiries. In addition, I sent in a 30 day demand letter. It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that these unauthorized inquiries be immediately removed and deleted from each of my credit report. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

My name is XXXX XXXX. It has come to my stention that although I have written several letters asking for validation of debt and audit trails, i am not getting any response because of the automated system thats in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 

I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm the three credit reporting agencies have done to me. 

DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX. Account number XXXX on XXXX XXXX XXXX XXXX account number XXXX on Experian XXXX XXXX XXXX, account number XXXX on XXXX XXXX XXXX XXXX account number XXXX on XXXX XXXX XXXX XXXX  account number XXXX on XXXX XXXX XXXX  hard inquires on XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX billing code error : 15 USC 1666
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( U.S.C. U.S.C. 1681c-2 ) that you, the XXXX, EQUIFAX, and XXXX credit reporting agencies, 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 with a balance of XXXX XXXX This account has resulted in several fraudulent hard inquiries on my consumer credit report. I have attached a screenshot of the consumer credit report maintained by you all, 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 all 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 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. 
I also attached a copy of the police report filed with the XXXX Police Department and a copy of my state issued IDENTIFICATION CARD.
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 confidentiality under 15 USC 1681. Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S .C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

A debtwas opened on XX/XX/XXXX of 2015, in the amount of {$200.00}, for an account with XXXX XXXX. I never received any information of this debt in the last 5 years.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

never got notice about this debt about the debt collector trying to collect. never got the right to dispute this " debt ''
Product: Debt collection

Hi, there. 

My name is XXXX XXXX and Ive been having issues disputing a collection with XXXX, Vance and Huffman LLC and a company called XXXX XXXX. 

Apparently, an account was opened with my name, SSN and information on XX/XX/2018. I found out this year that this was a family member who was using my identity to open accounts and not pay what was owed. 

A collection was opened and I successfully disputed with XXXX   and XXXX earlier this year with no issues. XXXX, for some reason, denied the dispute and will not let me try again. 

Ive tried reaching out to XXXX but I have not been able to get in touch with anyone, or speak to a human over the phone. Ive also tried contacting the original creditor, XXXX, and they have ignored all my emails.
Product: Debt collection

I returned my router to XXXX XXXX XXXX and cancelled my account. They specifically made me drive to a XXXX store to get the router shipped and inconvenienced me despite arriving at multiple XXXX XXXX XXXX  stores. I worked with a customer service representative who gave me my receipt of return added here. I never received a receipt of my account being closed, but did not expect one and was verbally told my account was closed. I have dealt with extreme financial hardship, and have even had this already removed from my credit. I have absolutely no idea why they are even trying to get this again, this has already been resolved and severely inconveniences me. XXXX XXXX XXXX also sold my debt to Credence without contacting me. I had spoken to them on the phone more than 20 times in 2023 looking to resolve this debt. Credence has done nothing but spam call me during working hours and while I'm sleeping. 

XXXX XXXX XXXX has also acknowledged the return of my router and closure of my account but have not made any contact with Credence
Product: Checking or savings account

My card was declined twice my came merchant do to they enter the wrong zip code. Totaling {$320.00} well XXXX took it out of my account an has a hold on it an merchant has sent multiple emails N IV emailed multiple times an get jow where but told the merchant has a hold an just talking to a robot. I just want my money back