23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Thank you for your recent contact dated : XXXX XXXX, 2020. 

I wrote to you on XXXX XXXX, 2020, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Product: Mortgage

Hello I am trying to get help for a mortgage home loan release that was satisfied by the former owner who I bought my house from in XXXX. The mortgage was held by GMAC mortgage services but they never filed that the loan was satisfied, But it shows that it is satisfied in the electronic mortgage system. The property address is XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. 

I contacted PHH Mortgage Services who took over GMAC loans in 2013, but they did not all loans that were paid off prior to 2013 did not transfer to them but dissolved when GMAC filed for bankruptcy. In fact, no predecessor company has this loan. 

I am now selling my home and was to close on my house tomorrow but the title company is refusing until I can obtain a lien release. I contacted the FDIC who told me to contact your department. She told me that there were funds submitted by GMAC during settlement to handle things like this but perhaps there are other ways you can help me to resolve this situation in a timely fashion as I may loses the opportunity to sell my home to the buyer I have. Please let me know what can be done and if I can get a lien release? 

Warm regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXXL and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I tried placing a Freeze on my Experian credit file and I was denied. Experian asked me to mail in my request to freeze my credit file. I refuse to mail Experian requesting a freeze when I need to have my credit frozen immediately. I am a victim of identity theft and need to have my credit frozen immediately without having to wait weeks to hear back from Experian via mail. I refuse to pay a credit bureau to lock my credit file when it is their job to make sure my personal information is protected and the lock should be offered for free to consumers.
Product: Credit card or prepaid card

On XX/XX/XXXX ( my due date ) at XXXX, I made a payment of {$80.00} on my card. I was still charged a late charge and when I called the credit card company, I was told that their cutoff time for payments received was XXXX and that therefore, I would incur a late fee of {$37.00}. I wrote to the credit card company to have them waive this fee and was told that because they had already waived a late fee back in XX/XX/2018, they would be unable to waive the fee. I told them that the usual cutoff fee is XXXX  of the payment due date, not XXXX. I work late hours and am struggling to make payments so I think the least they could do, being that I have been a customer for years, is to waive the late fee as I did make the payment on the due date, but after XXXX. Also, I called them today ( XX/XX/XXXX ) and spoke with both a representative and a manager to try and extend the due date ( courtesy extension ) of 1 more day until tomorrow since I get paid on Fridays and they would not extend the due date at all. All they want are the late fees assessed. This is very unfair practice of them. This is a XXXX XXXX issued by BarclaycardUS.com. On their website, they have the following disclosure : " Pending payments can be modified or cancelled up to XXXX XXXX  ET on the scheduled payment date. Same day payments made between XXXX XXXX ET and XXXX XXXX  ET can be modified or cancelled up to XXXX XXXX  ET that same day. "
Product: Money transfer, virtual currency, or money service

Bursey & Associates , P.C . 
XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX Phone : ( XXXX ) XXXX To Whom It May Concern, I am writing to formally request the immediate return of a payment made to your firm for services that I never received. Despite multiple efforts to resolve this issue, I have not been provided with the service in question, and as such, I am requesting a full refund of [ XXXX ]. 

Under the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for debt collectors to mislead consumers or to collect payments under false pretenses. Failure to refund my payment will leave me no choice but to pursue legal action, including but not limited to filing a lawsuit for the recovery of funds and seeking damages for any undue stress caused by this situation.

Please respond to this letter within 14 days to confirm the refund or to arrange a time to discuss this matter further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the a method of verification with Experian, XXXX and XXXX about an Bankruptcy and I have attached the response from Experain which is not truthful. They stated they CERTIFIED THE INFORMATION WITH THE " Company '' ; however, there was no investigation of the this nature and I have letter from the courts stating they do not share information with Credit Agencies. Therefore, I requested method of verification with validation which was not provided. 

I request this information be removed ASAP as it has been more then 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried over and over trying to submit this fraud report. This isnt my account and I need this removed ASAP. This is clearly fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a loan and received a score from the other XXXX Credit Bureaus. However I was told that Equifax had a flag on my account. I have tried to talk to a representative multiple times and have not been able to clear up this issue. I need to be told what to do to clear the flag and move forward with getting a credit score at Equifax. This issue needs to be resolved ASAP so that I can move forward with buying a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX OPENED : XX/XX/19 AMT. XXXX XXXX   XXXX OPENED : XX/XX/19 AMT. XXXX XXXX   XXXX OPENED : XX/XX/19 AMT. XXXX THE FOLLOWING FRAUDULENT INQUIRIES WERE ALSO OPENED IN MY NAME : XXXX/XXXX  XXXX   XXXX XXXX XXXX
Product: Mortgage

Last fall I began working with CitiMortgage to modify my existing mortgage so that I could re-occupy my home. I surrendered the property to them XX/XX/XXXX when I moved to Arizona and knew I could not afford to keep the home at its current monthly payment of $ XXXX/mth. I had tried to sell the home before moving but did not have an offer. When I moved back to Massachusetts XX/XX/XXXX I rented an apartment that I could afford at $ XXXX/mth, and began trying to work with CitiMortgage again, since the home remained vacant. I sent a letter of hardship explaining that a divorce, my job as a XXXX, being a single mother, and an eventual bankruptcy caused financial hardship but that I wanted to keep the home if possible. After many months of providing paperwork, CitiMortgage offered me a modification that was higher than I had previously been paying, at $ XXXX/mth. They said the amount was more due to a lack of escrow, interest and owed payments. I told them I could n't accept the offer, since it was actually more than I had been paying before and this did not help my financial hardship in any way. I am still interested in keeping this home and it remains unoccupied.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash app ( block , inc ) due to inadequate customer service and unfair practices which violated customers protection act ( CFOA ) specifically cash app failed to take timely and effective measures to prevent an address and prevent fraud on their platform leaving my account vulnerable and unprotected furthermore, they dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fraud transaction act ( EFTA ) and resolution E these actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a fraud that are hard inquiries these were placed on my account that aren't mine. 
TransUnion and XXXX investigation took a day and didn't bother with my FTC nor deleted the inquiries that aren't mine. Iv called everyday the get this resolved and now feel like me rights haven't been taken seriously.
Product: Bank account or service

The company charges an overdraft fee then waits for you direct deposit to post before it pays the merchant. i borrowed money from a lender and once payed back you can borrow XXXX days later. The company " payed '' the lender my account went negative as a result they charged me the insufficient fund fee but XXXX days later i was n't able to borrow again. i had to wait XXXX days after my payroll deposited. They essentially claimed they paid, charged a fee but waited until my direct deposit posted until they payed the merchant,
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email displaying a dept store statement which had an inaccurate balanced on   XX/XX/XXXX .  I called the dept store and spoke to an agent and told her that I did not place that large purchase for {$850.00} at   XXXX   on   XX/XX/XXXX  . She corrected the balance and said that she will send me a new card. I went to   XXXX   XXXX   and checked for any other fraudulent activity and noticed on that same day ,  XX/XX/XXXX ,  there wer e    XXXX   other hard inquiries done without my consent that someone else had did.      XXXX /  XXXX   XXXX    XX/XX/XXXX  &  SEARS/CBNA     XX/XX/XXXX . I also n oticed an inquiry from   XXXX     XX/XX/XXXX   from  XXXX   XXXX   XXXX   XXXX  was done without my consent. I tried calling but I could not get through.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Ref : XXXX To whom it may concern, On XX/XX/2023 I applied for credit for my XXXX XXXX XXXX XXXX I received this attached letter of denial and was very concerned about the denial reason given. Such as Derogatory XXXX XXXX, XXXX many inquiries, proportion of loan balances to loan amount too high etc. 

Right away, this alarmed me because this is my second year in business and I just started to establish credit for my business. I have only one American Express Platinum with no balance! 

This led me to check my credit and sure enough, this company has ran my credit without my permission and this is a violation of the fair credit act! I am asking this company to remove all unauthorized inquiries on my credit, which has affected my credit score. 

My business is separate from my personal life and you are out of order, running my person credit to determine whether to grant me credit. I clearly stated on the applications my company name, my business EID #, the application would not let me move forward unless I put my Social security number in the field, I can remember thinking, I hope they dont dry to be slick and use my social security number and that is just what happen. 

I am disputing these inquiring and filing a complaint for because this is the second time this week this has happen, therefore I believe this is done in all cases when businesses apply for credit, and it is not fair, in fact, it discrimination! 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Conformation Number : XXXX To whom in May concern : Equifax mistakenly deleted my accounts below. Please reinsert my open accounts on my Equifax credit report. 

Other Accounts : XXXX XXXX XXXX XXXX XXXX ( Please see attachment ) Revolving Accounts : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX Bank Delaware XXXX XXXX Card Services Installment Accounts : XXXX XXXX XXXX XXXX XXXX XXXX my accounts back on my Equifax credit report. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

I pulled each of my credit report ; XXXX, XXXX, Equifax. XXXX  by claim stated I owe them a debt produced by hospital ( XXXX XXXX ), which the name of facility were brought to my attention ; sounds unfamiliar. I called the hospital and provided them my information, they were not seeing no past visit within their systems or debt for any collection to be active. I disputed this information with XXXX  which they refuse to comply to verify the information based on my dispute ; with estoppel to my defense, I'm now disputing this information with all credit bureaus actively reporting false information on my file since theres no accurate validation of such debt.
Product: Money transfer, virtual currency, or money service

2021 XX/XX/XXXX till XXXX, it was currency that was exchanged, and that was used that was not authorized by me Fifth Third
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

Opened account offering a {$300.00} bonus if DD of {$2500.00} or more in 60 days. Did this and waited a month past 95 days when it should have been credited. I have called 3 times and they just say they are emailing someone.
Product: Credit reporting or other personal consumer reports

I recently received my 3 bureau Credit Report and noticed 3 accounts and 4 hard inquiries that do not belong to me. Those accounts are XXXX XXXXXX/XX/XXXX opened in XX/XX/XXXX XX/XX/XXXX with a balance of {$700.00}. XXXX XXXX, opened on XX/XX/XXXXXX/XX/XXXX with a balance of {$860.00}.XX/XX/XXXX, opened in XX/XX/XXXX with. Balance of {$2000.00}. I also noticed 2 hard inquiries from XX/XX/XXXXXXXX opened, 1 hard inquiry from XXXX, and 1 hard inquiry from XXXX XXXX The above accounts doesn't belong to me, and I never gave permission to the inquiries above to run a hard inquiry on my credit report. I have never established any business with these companies, or had any communication with them. Any payments made to these companies were not made on my behalf.
Product: Mortgage

We filed for assistance during hurricane Irma XX/XX/XXXX through our mortgage company Home Point Financial. We were granted a forbearance period and a loan modification with a lower payments. Our payments start XX/XX/XXXX to be paid {$990.00}. During this time the company then had a servicer change delaying the process and basically making it impossible to communicate with the correct person. We continue to call and leave voice mail messages for XXXX XXXX which was supposed to be assigned to our case. We never received any call back and he eventually no longer was employed for the company. During this time and currently my credit was and is being reported negatively as not being paid as agreed. We were and are continuing to make the agreed upon payments by phone and attempting to communicate with the mortgage company, but seem to be getting different information and no written information in the mail regarding our loan and current/correct payments. Our contract that we signed only states the {$990.00}. 
Today, XX/XX/XXXX we are being told that we have not been paying the correct amount which has never been disclosed to us as we call and pay it monthly. We call at least once a month to find the status of our modification only to be told that we will receive a call back never to receive a call back. We are being told we have to pay a balance of over {$1700.00} to make our account current. It has been disclosed to us that there are thousands of consumer affected. We are being told our new payment is higher than our previous mortgage payment we requested assistance in paying.
Product: Credit reporting or other personal consumer reports

XXXX XXXX RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

Talked tXXXX XXXX XXXX XXXX XXXX about XXXX XXXX XXXX reporting on me to experian dont owe XXXX  anything and XXXX XXXX XXXX XXXXXXXX XXXX XXXX says she has nothing on me for XXXX XXXX XXXX and told me to dispute it and she will get it removed and I did and it came back as information correct. It is hurting my credit for something that isnt mine
Product: Mortgage

In Accordance with the fair credit reporting act this creditor, has violated my rights. 
15 USC Section 602 States I have the 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 may not treat a payment on a credit card under an open end consumer credit plan as a late for any purpose. 


Please if you need further information don't hesitate to contact me at XXXX XXXX
Product: Money transfer, virtual currency, or money service

Complaint Description ( Copy & Paste the Text Below ) : I opened my Coinbase account on XX/XX/2020 After transferring funds into my account, it was suddenly put under review on XX/XX/2020, just 10 days later. Since then, my account has been locked for over XXXX years, and I have not received any response or resolution from Coinbase despite multiple attempts to contact support. 

I have : Submitted all requested identity verification documents multiple times with no updates. 
Contacted Coinbase support numerous times through emails, chat, and social media, but they have ignored my requests. 
Been unable to access my funds for over XXXX years without any explanation. 
This is completely unacceptable. I am a U.S. citizen and a business owner, and Coinbase is unjustly withholding my money without reason or communication. 

Requested Resolution : I demand that Coinbase : Immediately review my case and unlock my account OR provide a clear reason for the extended review. 
Provide a timeline for access to my funds. 
Give me a direct point of contact for urgent escalation. 
If Coinbase fails to respond within 15 days, I will escalate my complaint to the SEC, XXXX XXXX XXXX ( XXXX ), and legal authorities.