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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$670.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I sent a foreign currency wire to my account in XXXX where I am living at the moment to support my brother who has XXXX. It was sent to the wrong bank, XXXX XXXX Bank, where I have no account. On XX/XX/XXXX I received an email from Bank of America saying they have sent the wire in XXXX currency ( {$5000.00} ) with a confirmation number XXXX. 
On XX/XX/XXXX I received an email from Bank of America saying XXXX wire failed to send " Recipients bank account details incorrect '. 
I called the Bank of America on the following days : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ( twice ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Each time, a Bank of America representative told me that the money was held up in XXXX. I called the Bank of America in XXXX and XXXX and was told they were unable to help. I called the XXXX XXXX XXXX  in XXXX twice and was told they are unable to trace the money because they didn't send it and I have no account with them. 
I need the money to pay bills and have been put in a very stressful situation because of my missing funds. Bank of America have told me they have an open case on it and not to worry, but nothing has been done about it. 
The case number is : BMF XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I receive an email from Experian saying I was matched with a " cash-back card '', they didn't say that my odds to be approved are good, no, they match me with a card. 
After I apply with this matched card, I receive the denial from this card company. 
I contacted Experian and they told me they never " match '' me with any card ( even when I have the email from them saying it ) instead they " suggest '' my odds " could '' be high applying for this card. 
On XX/XX/2019 Experian report the first inquiry to my credit and decrease my credit score 2 points. 
On XX/XX/2019 Experian report the second inquiry from XXXX and this time lower my credit score for 19 painful points.

21 points total for following Experian advice. 

XXXX  and XXXX never lower my credit score for this inquiry from this credit card company. 

On XX/XX/2019 one of my credit card increases the limit of my card from {$500.00} to {$800.00}. 
XXXX increases the credit score for 7 points on XX/XX/2019. 
XXXX increases the credit score for 5 points on XX/XX/2019. 

Experian increases the credit score for 1 point on XX/XX/2019. 

Rules are not the same, practices not equals. 
I truly understand that Experian is damaging my credit history intentionally. 
And I am a paid customer of Experian, with a monthly subscription of {$19.00}. 

Please review all the data and advice me, I only look for fairness. 
Obviously, I will never follow again Experian advice on credit cards, but look like they " MATCH '' everybody only with the intention to collect their commission, but I am a paid customer, they should take care of me. 

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

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 credit Bureaus Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX-Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX-Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXX XXXXInquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquired on XXXXXXXX XXXX XXXX XXXX XXXX XXXXInquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX-Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX-Inquired on XXXX XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXInquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXInquired on XX/XX/XXXX, XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXXInquired on XXXX XXXX, XXXX
Product: Debt collection

Kindly read SUMMARY + STATEMENT OF FACTS that is attached including all docs and exhibits which provides a detail explanation of the issue at hand. Below is just the summary of the resolution I am seeking, providing details and my reasoning including accounting of facts.. 

1. Requesting full accounting and ledger explanation of charges from XXXX XXXX XXXX and/or XXXX XXXX XXXX XXXX XXXX  to the present. 
2. Requesting XXXX XXXX XXXX and/or XXXX XXXX XXXX TO FULLY READ every one of my emails and additional items submitted on this complain, including every breakdown of my accounting when it was provided. Then, explain to me if they are in any disagreement and why. 
3. Based on my thorough explanation with valid proof, I am requesting for my ledger to reflect not only paid in full; but also requesting a refund check for {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It states on my credit report I lived in Oregon, I have never ever lived in Oregon. 
It states on my credit report there are XXXX inquiries, that i have never applied to ever XXXX XXXX, XXXX XXXX XXXX XXXX, CONSUMER PORTFOLIO S and they show up on my credit reports sometimes more than once It states on my credit report i have an open balance with XXXX when I included it in my bankruptcy, i included all my debt in bankruptcy so it should all be XXXX.
Product: Mortgage

My mortgage was initially with XXXX XXXX XXXX XXXX and then sold to XXXX XXXX  XXXX XXXX in XX/XX/XXXX, who appointed Shellpoint Mortgage Servicing as Servicer. My mortgage was under Covid forbearance when sold. New Servicer started demanding payments. I requested a proof that I have a contract with them. They refused to respond to any of my communications ( waiting for the XXXX default insurance claim window to expire ). Then in XXXX I received a demand letter from a law office, I responded with a request for more information - no answer. On XX/XX/XXXX, the default window expired and the Servicer could collect the insurance claim on the mortgage security investment, which they did. Two weeks later they assigned a foreclosing attorney and initiated foreclosure. Only then I received a response from both the Servicer and the attorney - both responses included only copies of the Deed of Trust and a forged last page of the note ( visibly forged endorsements ). I responded again with a request for some more information to no avail. Then In XX/XX/XXXX I exercised my legal remedy and made two payments in full to satisfy the mortgage - Payment # 1 was made directly to the Servicer via a Note for {$280000.00} U.S. Dollars together with an IRS form XXXX and a Settlement Offer letter. As of this complaint this haven't responded, therefore pursuant UCC articles 3 & 9, they have accepted the payment. Payment # 2 was made directly to their attorney via XXXX XXXX XXXX XXXX XXXX with an IRS payment voucher for {$250000.00} U.S. Dollars and IRS form 1099-OID and an Accepted for value letter. As of this complaint this haven't responded, therefore pursuant UCC articles 3 & 9, they have accepted the payment. The attorney then scheduled a foreclosure for XX/XX/XXXX and still refuses to communicate with me and I have not received an answer regarding my payment from the Servicer. They both accepted the payments and proceeded with the foreclosure nevertheless. They both act as f they are above the law and make up their own rules as they go, as if they don't want to settle this situation, they only want foreclosure. I have notified XXXX XXXX XXXXXXXX XXXX about both payments in full and still no response. So far for 6 months the only response I received was a copy of the deed and the forged note. I have sent a RESPA Qualified Written Letter, but I'm afraid they won't answer to that one either. Their attorney 's office told me their attorney doesn't have answer or talk to me because they talk only to other attorneys. This is the most colossal fraud in the history of this country - every time someone receives a bill or a statement, that is an offer to contract based on public debt, it doesn't mean you owe money, because there is no money in circulation in this country, only Federal Reserve debt notes ( IOUs ).
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX night I did a transaction through Chase XXXX intended for a friend. For mistake I reverted the last XXXX digits of his phone number. I noticed after I did send although the name was my friend name which is incorrect. 
I immediately called Chase and they didnt react as their claim department was closed. 
Called firsttime in the morning on XXXX to the claim department and make a claim, explain the situation and they said that they will react. I called couple of hours late and anothing was happening, XXXX some point they said that they can expedite the process and that I will get my money back becuase I reacted fast. 
I called next day on XXXX and they didnt have any updates just waiting for XXXX XXXX After talking with them the person said that I will get my money back in XXXX and that XXXX XXXX  will get the loss. 
Waitied for next day and nothing happened. 
When I called on XXXX they said that they close my claim and that I will not get my money back.this is after they told XXXX I will and that those money should be in my account in XXXX. 
Also the mistake was to revert the XXXX last digits but the perosn name was not even validated although Chase and/or XXXX have this information that the phone number is not associated with that name.
Product: Debt collection

On XXXX XXXX, I spoke to a gentleman at Hunter Warfield and explained that I understood a debt was owed but that they needed to honor the request I signed to take a leaseholder off of the file a month after moving in. The representative asked that I email him the file which I did the same day. When I contacted him again, he advised that it will take a couple of days to resolve itself and asked me for payment when I reminded him that once they honor the contract I signed, I will be glad to start making payments. The other party involved kept getting letters saying that he would be sent to collections and the matter never got resolved.
On XXXX XXXX I get a call from quite a rude presentative who tells me that as the law, I can not disregard a contract that was signed and kept cutting me off until rudely telling me good luck and hanging up. Hunter Warlfied has sent notices to all the addresses I have been affiliated to and also the other person that on the lease with me ( who was supposed to be taken off ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from Experian, XXXX and XXXX attempting to collect an alleged debt. 
I send a letter to Experian, XXXX and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants COLLECTION COMPANY NAME 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 agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account?

* Yes * No Experian, XXXX and XXXX never responded! 

Further More Experian, XXXX and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that Experian, XXXX and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Experian, XXXX and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective November 30, 2021. Cease reporting this debt immediately or face legal action. Experian, XXXX and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

For well over a month, I have been trying to get a resolution with funds accessibility issues relating to Coinbase and my account. 

Their app is unusable due to errors on their side with their system. This is causing great stress as I can not access my money or transfer funds to my bank from their exchange. 

XXXX, XXXX, XXXX, XXXX & XXXX are ticket numbers I have created with their support center. I have also signed up for their paid service to get support to no avail. 

They sell support services for their platform that results in no assistance. This in and of itself is stealing just as much as them not allowing me to access my funds. 

I have been a customer since XXXX  with them, This is the first time I have seen their services in this kind of condition. I am in the payments industry as a profession and can not believe they can operate a service and withhold people 's funds due to refusing to fix their system issues. 

The nature of their bugs makes the website inoperable and their mobile app is also not functional. This is gone on for far too long and it is causing personal stress because of not being able to access a significant amount of funds that is mine, not theirs. 

I can log in to the site, I can not see my balance it reports as $ XXXX. 

I can not see my transactions or portfolio activity as the graphs will not load. 

I can not send money to my bank, It says " You do not have any funds available to cash out right now. '' < -- This is incorrect. I do, their system is broken and I can not access MY MONEY. 
It also represents my balance as $ XXXX and does not show a numeric value. 

The mobile app continually says ... " XXXX XXXX '' despite logging in to it and working on XXXX out of XXXX pages in their app ( meaning I am logged in so there is no " XXXX XXXX '' really. It's related to the same $ XXXX dollar amounts that the website is showing, This is really getting serious as I need access to my funds. 
I work very hard to be able to invest and they are making this very stressful as I need access to my money now... & can't wait months for them to finally respond. 

Their ticketing system automatically closes tickets ( despite them not being really resolved ). 
This is very concerning and an intervention is needed with them to help me resolve this. 

The balance being held back ( my money ) is significant enough value to take legal action to get a resolution. They need to be responsive. 

CFPB please help, I know I am not the only person reporting such issues. 
It's a big issue and they are not addressing it. 

They have a very poor track record of taking care of customers. 
This is a bad sign for a Publically Traded company ... when many thousands of dollars are impacted on many users because of this complaint.
Product: Credit card or prepaid card

Disputed two transactions and provided proof of the refunds. Chase is refusing to credit my card, has charged me late fees every month - even if payment is on time. They need to credit the {$15000.00} for pending refunds.., and all the months late fees where the payments were actually made timely. I will not be making payments on any cards accounts with them until they correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company did not respond in 30 days in fact, company has not responded in 90 days
Product: Credit card or prepaid card

XX/XX/19 my direct deposit was due into card as of today it's not there. XXXXXXXX XXXXXXXX is literally holding my money from my from a mistake they've made!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX Account : XXXX ) Has violated my rights 2- ( XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX CT FL XXXX XXXX # XXXX ) Has violated my rights 5- ( XXXX XXXX XXXX ) Has violated my rights 6- ( XXXXXXXX XXXX  XXXX ) Has violated my rights 7- ( XXXX XXXX XXXX Account : **** ) Has violated my rights
Product: Debt collection

We called them on XX/XX/scrub> 2024 to start a payment arrangement with them to pay off my debt. They want to settle for {$13000.00} as long as I pay 10 % of that amount and then will be paying XXXX XXXX monthly after that until the debt is settled. I was advised that they dont report to the credit bureau if I make payments which was fine with me my goal was only to pay it off. So we had that understanding so I asked for a letter of agreement on what we agreed upon the company refused to send a letter because according to this person its their company policy and they have an incident in the past that they have given letters and the people stopped paying them after they got their letter. According to him their prof is the recorded line when I called. Theyre refusing to give me that letter and I am not confident without that letter as I am scared they will turn around everything on me in the future
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/ in accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions
Product: Mortgage

I have numerous bank/mortgage accounts that I make payments to each and every month. 
Since my home loan ( servicing ) was/has been sold ... .I can not review ( online XXXX my payment history ... ... along with details about where/how my payment XXXX XXXX ) have been posted/brokendown. 
I have requested this numerous times ... .but to no avail ... ..below is how it looks on their website : " View Accounts Account Information Account Number Borrower Name Property Address Outstanding Balance * Account Details '' With NO DETAILS below this ... ... they want you/customers to submit ... .in writing to obtain a written statement ... ... I get those ... .but they are always incorrect ... .since their cutoff date ... is WAY before the final due date ... ..it 's very frustrating!!!! 

I can go to any other payments that I made/make at other institutions ... .and they information is RIGHT there in front of you ... ... this is the ONLY firm that does NOT provide this information ONLINE that I deal with ... ..and I deal with A LOT of banks!!! 
FYI ... .they keep referring me to an ... .. '' XXXX '' ... .. 
Please advise.