23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was previously approved for assuming my soon to be ex-husbands VA loan with XXXX Bank but due to the divorce not being settled we could n't proceed with the loan until the divorce was complete. The divorce is almost complete so I contacted XXXX Bank to finish the paperwork to assume the loan. Unfortunately they sold the loan to Planet Home Lending so he was unable to provide me with the loan. So I contacted Planet Home Lending to assume the loan. I completed the paperwork and submitted it to them. The underwriters came back and said they would not approve the assumption loan due to a short sale in XXXX XXXX. I know from XXXX Bank that the short sale can not be held against you if it happened over 2 years ago and their waiting period was only 1 year so it was n't even an issue. But Planet Home Lending is using my short sale against me even though it is over the 2 year mark. This is discrimination and I am not sure why they are using this against me due to it has been over 2 years. I am also female and serve in the XXXX XXXX XXXX and am a XXXX. So maybe they are discriminating against me for who I am I am not sure but their excuse for the short sale does n't make sense since the short sale was XXXX XXXX and it is now XXXX XXXX. Please assist me in finding out what the real reason is why Planet Home Lending will not let me assume my soon to be ex-husbands VA Loan. I am a veteran as he is so there should not be an issue with the assumption, but I need an answer before we go to court so I know if I can ask the judge for the house or not. I can only get the house by assuming his VA loan and I can only due that through the bank that holds the loan.
Product: Vehicle loan or lease

I was struggling to pay my car note and pay $ XXXX get the car fixed due to the computer system with the vehicle and I did a volunteer repossession and it took them 3 months to pickup the vehicle and they sold the vehicle and was still charged {$8000.00} remaining balance and my credit score went down so I couldn't purchase a new vehicle we I was told that I was in good standards with wells Fargo and it won't effect my credit score and it did.
Product: Checking or savings account

*IMPORTANT* As I have stated NUMEROUS times, I have an external XXXX  wallet to withdraw my funds to. So why are my tickets here being closed out as if I am trying to withdraw to my bank? 

Coinbase has disabled my ability to withdraw my money. 

Coinbase has decided to freeze my account and will not allow me to withdraw my funds from the " vault '' on their website. I got most of my money except for the XXXX XXXX from it, which is a few grand, they will not release. I opened a complaint a couple of months ago and coinbase said nothing is wrong with the account, and that i can withdraw it anytime, and closed the complaint, WHICH IS NOT TRUE. REF - XXXX When logging in, it brings up a page saying they closed the account and to withdraw funds. Whenever trying to withdraw them to another XXXX  address, it freezes on " Loading '', all after typing the XXXX  XXXX code and the receiving address. No information was requested as coinbase stated, instead they gave just a couple day window to withdraw and I was not home at the time. That is unrealistic. PLEASE FIX THIS ISSUE. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED and CORRECTED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed items will be updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information. I sent a complete to Equifax on XX/XX/2022. Letting them know I did not authorize them to delete a file from my credit report neither did the furnished because the information on on the other two credit reports and I called XXXX. I didnt not authorize Equifax to delete XXXX XXXXXXXX from my credit profile I need evidence from Equifax that I authorized this account to be remove.
Product: Credit card

Dispute Case ID : XXXX Dispute filed XX/XX/year> Amount Disputed {$160.00} due to dentist 's overcharging me per XXXX XXXX XXXX 

I sent citi the documentation proving the overcharge per XXXX but they did not even contact the merchant and denied my dispute.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP XXXX, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX
Product: Credit card or prepaid card

Bank of America has accused me of making the following charges on my account : - XX/XX/2019 XXXX XXXX, XXXX CA {$120.00} - XX/XX/2019 XXXX XXXX, XXXX CA {$120.00} - XX/XX/2019 XXXX XXXX, XXXX XXXX CA {$120.00} I have made several attempts at making fraud claims and have even faxed in a police report that I paid out of pocket for. However, they consistently denied my fraud claims and have accused me of making these purchases. I would like to settle this, once and for all, and finally close all my accounts with Bank of America, as I can not trust this bank with my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : 1. XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.
Product: Debt collection

On XXXX, received yet another notice as well as many telephone calls over the past months, Portfolio continues to harass me via phone and mail and refuse to cease and desist. I am now going to file legal action against them as well as join a Class Action suit against them. 

Since XX/XX/XXXX to present, I have asked them when they call to stop calling and also returning their notices to them demanding they cease and desist. 

XXXX -Called the XXXX number and spoke with XXXX at Portfolio stating that I am receiving notices and harassing phone calls from them and I want it to stop. XXXX stated it would stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry that is unauthorized reporting on my credit. The date of the inquiry is XXXX
Product: Checking or savings account

I am the CEO and PRESIDENT of XXXX XXXX XXXX XXXX XXXX number XXXX. I'm also a victim of Us bank Corporate Robbery, fraud, and scamming my company LA XXXX XXXX XXXX, Us bank business account XXXX, Routing number XXXX, $ XXXX Capital Funds. I called Us bank Corporate Office to speak to their customer support concerning my Us bank business account XXXX. Us bank said that I never had no Us bank business account XXXX exist at Us bank. This statement by Us bank customer support proves that Us bank Corporate office is misleading. Us bank business account XXXX XXXX attached. Us bank Corporate have taken over and Robbed our XXXX American business Capital which is illegal and criminal.
Product: Credit reporting or other personal consumer reports

I took out a loan at XXXX in XXXX of XXXX  for {$500.00}. My information was then transferred to a debt collector in XXXX of XXXX  for {$580.00} to be paid.
Product: Credit card or prepaid card

I was interested in rebuilding my credit so I went to Bank of America on XX/XX/XXXX to apply for a secured credit card. I spoke with a loan officer and she suggested that I apply for an unsecured credit card and if I did not get approved for that then I will be approved for a secured credit card. I went through with the application and I did not get approved for the unsecured credit card but she said I was approved with the secured credit card. She then had me sign papers and said that my card will arrive in 7-10 days. I waited for my card for 2 weeks and I had not received anything so I called the bank and every person I spoke to were giving me the run around and could not help me ; I even spoke to someone higher than the manager and still no help. I work very hard for my money, barely earning enough, and heavily depend on each one of my checks to get by and maintain a decent living. Up until this day, I still have not received my money and it has caused a major setback for me due to late bill and rent payment. This should not happen to anyone in the least and I think it is very unfair and not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Product: Student loan

Ten years ago when i graduated form XXXX school. i did applied for income repayment program but I was denied multiple times. They told me that I don't/did n't qualify for income based program, which is not true. for the past 10 years i worked at a XXXX organization and if they had qualified me 10 years ago my student loans would have been erased under Public Service Loan Forgiveness XX/XX/2019. But they ( salliemae/navient ) denied me and i would like ti sue them. 

XXXX XXXX, XXXX, XXXX email : XXXX phone : XXXX
Product: Debt collection

I contacted the company, and explained i dont have any cars but XXXX in my name from 1999. He called me some names and kept yelling pay your bills. I told him about some fraud on my credit and some identity theft. But he said pay your debt. I stated sir this is not my car. Asked him to ssubmit something so i can take to dmv so he can take this off. He just sent a letter asking for money
Product: Debt collection

I thought my insurance toook care of the bill, everything was covered.I never recived a bill from this company. Then all of a sudden, I recieved a letter from a collection agency! I am still not responsable for the amount they are asking me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX XXXX EST, XX/XX/XXXX Paypal decided to permanently limit my account and intern withhold the money in said account, a sum of {$11000.00} USD for 180 days ( {$10000.00} of which would have been available for withdrawal under regular circumstances and {$900.00} of which would have been withheld until XX/XX/XXXX, latest, given the aforementioned limitation was not in place ) Contact was made with PayPal via their customer service telephone contact number XXXX XXXX XXXX XXXX XXXX approximately 38 minutes ( XXXX XXXX EST ) after an email re. the limitation was received, in an attempt to resolve the situation. The customer representative who identified themselve as XXXX   notified me that : ( After 127 digital goods transactions, 3 of which resulted in chargebacks issued by the buyer through their financial institution ) Paypal has decided that my social media XXXX business is too risky ( though Ive cooperated in all events by issuing refunds within 72 hours, in most cases within 24 hours ) The representative was unable to provide any sort of resolution and transferred me to the supervisor present for that day whom was also unable to provide any sort of resolution and notified me that there was no one above her who would be able to do so.

Paypal has since decided to continue to withhold my money in its entirety for the aforementioned period and has refused to allow me to withdraw any of it within a reasonable time period.
Product: Credit reporting or other personal consumer reports

wrong address on file! I have wrote them several times I have certified mail receipts ... .I might need to be considered in the lawsuit against the bureaus the one from XXXX ... .update and correct my address or I will file lawsuits for inaccurate infomation I cant get insurance because of these address errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to apply for a Mortgage/Home loan. While my lenders perform credit check, they come back stating that the credit history doesn't exists and few come back stating FICO doesn't exists. Request you to help me in adding my credit history/FICO score.
Product: Credit card or prepaid card

XX/XX/XXXX and XX/XX/XXXX XXXX  deposited funds into account. On XX/XX/XXXX when calling number listed on back of card. Automatic recording stated a card was mailed out on XX/XX/XXXX and would receive within 2 days. I never ordered a new card my old card has NOT expired. And I'm kicked out of my direct express account. It now states my SSN is invalid. Have Been using this card for 6 years now without issues until. Now I have called and called nothing has Bee resolved. Contacted. SSA by phone. Visited local office I was told there it's nothing they can do. Also after reading several reviews across the state. A lot of people are having these issues. SSA confirmed funds have been deposited Into my account. This is just ridiculous. Iam the payee for an XXXX individual.
Product: Credit reporting or other personal consumer reports

If you did not authorize these inquiries, you should dispute them for immediate removal under 15 U.S.C. 1681b. Here is a structured and firm dispute letter addressing these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX [ Your Email ] [ Your Phone Number ] [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, IA XXXX Chex Systems , Inc . 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : DEMAND FOR IMMEDIATE REMOVAL OF UNAUTHORIZED INQUIRIES UNDER 15 U.S.C. 1681b To Whom It May Concern, I am demanding the immediate removal of multiple unauthorized inquiries on my ChexSystems report. I did not authorize these inquiries, and they violate 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). As such, these inquiries must be removed immediately. 

UNAUTHORIZED INQUIRIES TO BE REMOVED XXXX. XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Date : XX/XX/XXXX Phone Number : Not Available XXXX. XXXX XXXX ( On Behalf of XXXX XXXX ) Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Address : XXXX XXXX XXXX  XXXX, XXXX, CA XXXX Phone Number : XXXX LEGAL BASIS FOR REMOVAL Under 15 U.S.C. 1681b, a consumer reporting agency may only provide my report to entities with a permissible purpose. Since I never authorized these inquiries, they must be removed immediately. If any of these companies claim otherwise, I demand written proof of my explicit authorization.

FAIR RESOLUTION I am requesting : 1. Immediate removal of these unauthorized inquiries.

2. Written confirmation once they have been deleted.

3. Proof of authorization if any company claims a permissible purpose.

Failure to comply with this request within XXXX  days, as required by law, will result in formal complaints to the CFPB, FTC, and state regulators, along with potential legal action for noncompliance under the FCRA, which allows for damages up to {$1000.00} per violation.

I expect this matter to be handled immediately and will escalate if necessary. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the information listed on my identity theft affidavit and this affidavit of facts. As these accounts appear to be a part of one of the several data breaches that I have been included in. Also, please read over the violations that have occurred as by product of you placing adverse information on my profile without my consent. 

Please see the attach FTC Fraud Affidavit Letter.

Please note that I have address all credit reporting agency involved in one letter. Please read it and go to the section that has the name of your perspective company and delete what is listed. 

Please see my identification listed inside of the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student Loans - XXXX  Dates : XXXX  - XXXX XXXX ( 7 occurrences for Balance update ), XX/XX/XXXX ( 7 occurrences for Balance update ) Amount : Action taken : Contacted XXXX  for resolution Fie a dispute with credit bureaus ( XXXX, XXXX and Equifax )
Product: Debt collection

TRANSWORLD SYSTEMS a collection agency has placed derogatory information on my credit report without due process, process to include, notifying me in writing regarding this alleged debt of {$1300.00} as well as never notifying me of my right to dispute or request verification / validation of this debt. The original creditor is : XXXX XXXX XXXX XXXX. 

This agency has placed invalid derogatory and damaging information on my credit report as valid when in fact it is not. 

My rights as a consumer have been violation pursuant to the FAIR CREDIT REPORT and FAIR CREDIT BILLING ACTs
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a medical collection showing on my credit report which is inaccurate. The account in question was part of workers comp. They account was paid in full but yet Experian reports the account as an open medial collection. There is obviously and error. I have supporting documentation to support showing account paid reimbursed by workers comp.
Product: Money transfer, virtual currency, or money service

XXXX XXXX promised payment minutes its been 3 days and still no transfer transfer to XXXX XXXX XX/XX/24 for XXXX XXXX in XXXX from XXXX XXXX XXXX would not cancel transaction XXXX stopped sending another transaction because 1st transaction we still processing.
Product: Checking or savings account

I woke up this XXXX  to multiple emails stating that an account was opened in my name, a direct deposit firm was completed, and multiple transfers were initiated.
Product: Checking or savings account

I have an account with ChimeXXXX XXXX and my account was suspended on XX/XX/2021 due to a deposit that was trying to post in which Chime declined it and sent it back to the lender. They requested documentation and explanation of this deposit in which i provided even though the funds never deposited into my account. I currently have {$8500.00} in my savings account and {$360.00} dollars round about in my spending account and they are refusing to disburse me those funds that i am entitled to which is my money so they are basically doing theft. The agreement that they have is unlawful and basically robbing individuals of the rights to there monies. I requested them to close the account and asked for a check for the balances that had and was told no. I no longer want to do business with this company anymore however i would like my monies that i had remaining in my account disbursed to me as i am entitled to those funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX to have an inquiry delete from my consumer report that happen on XX/XX/XXXX and XX/XX/XXXX. The sent me a letter backing requesting the credit bureaus to delete the inquiry on my consumer report. I've sent a copy of the request to the credit bureaus and they didn't comply even though I provided proof to have the inquiry deleted.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I tried to reach the Credit Bureaus by letter letting them what to correct on my Credit report, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Product: Credit reporting or other personal consumer reports

On XXXX a letter was sent to XXXX, Transunion and XXXX requesting debt validation and method of verification with all supporting documentation bearing my signature. To this date there has been no documentation provided and no response from the credit bureaus. This shows that XXXX, XXXX and Transunion are not complying with their own policies to report accurate information, provide validation and method of verification along with all supporting documents in a timely manner this is a clear violation of my FCRA and FDCPA rights.