23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX Recently, I did an investigation on my credit report which caused me serve XXXX because I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

I checked the XXXX data breach website and seen that my personal information was impacted by the breach I have attached a screenshot of that confirmation document. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX used my credit report on XX/XX/2021. It is an inquiry on my credit report.I did not give this company permission
Product: Credit card or prepaid card

Was overlooking my credit card statement as I was having trouble paying down my balance and found that predatory card security fee that Synchrony Bank states I clicked on, knowingly that I didn't or would ever agree to that. They were charging me small subliminal " Card Security Fees ''. The operator at the phone number of XXXX told me I clicked on a free 90 day trial that in turn rolls over to a {$1.00} per XXXX $ balance charge on outstanding balance. I asked them how long I was paying for this as I had no idea what was being charged, they stated I was paying them it since XXXX. I continuously pay down my credit cards and never have paid interest and everything is up to date. I unknowingly was charged these monthly fees every month until todays date when I called and told them to refund the fees that I did not agree upon. Every month that there is an open balance, I was charged {$1.00} per {$100.00} outstanding for a service that was never disclosed to agreeance on. I would have clicked no for a fact as a credit card security fee is never necessary upon my stable above average credit score. 

The crazy part to me was that they were willing to refund me {$260.00} of the total {$430.00} that I paid into it. I told them no, this was not acceptable as I want a full refund. The person who I talked to then said they would forward to a resolution team with the same predatory fraud answer and hung up after I told them I want to speak with a supervisor. This call occurred on XX/XX/XXXX @ XXXX PST. 

Dates of charge are from XXXX - XX/XX/XXXX. This company is the scum of the earth and only refund a portion in hopes they keep 40 % and only offer 60 % back to the consumer who had no idea they were paying towards a unknown, not approved fee. Why else would they hold 40 % for themselves and not agree on the entire amount. They state their system shows I approved it. I want tangible proof recording that I did so. Not some automatic system that toggles, " well I show you enrolled ''. NOT TRUE. LIARS AND THIEVES.
Product: Debt collection

I called multiple times, spoke to managers and higher-ups over the phone, and submitted an identity
Product: Credit card or prepaid card

I have notified Wells Fargo in XX/XX/XXXX that I had been furloughed from my job in XXXX due to COVID-19 and that I would be having trouble making the regular monthly payments on the account until I am back at work. 

I am still unemployed as my furlough has been extended indefinitely and my NJ unemployment benefits will end the week of XX/XX/XXXX. As such I will have no ability to continue to make payments on this account. 

As Wells Fargo has refused to provide me with a settlement on this account I will be forced to default on this account as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I would like to file a complaint against Equifax A few months ago, I learned from XXXX lenders, and an insurance agent, I learned that Equifax in XXXX, XXXX, and XXXX of XXXX, Equifax had gone through my whole credit file, re-aged all old negative accounts from XX/XX/XXXX, to now show as if I have new XXXX collections, past dues, and charged off accounts. 

Unjustifiably they have continued to continually lower my credit score, all the way to the low XXXX. They are intentionally not updating and following my true financial credit information, what they are reporting is falsehoods, and lies instead On my credit file, Nebraska XXXX who I have had nothing to do with since XXXX of XXXX, 4 years ago. 
Equifax allows them to report false fraudulent past due amounts, and fraudulent monthly past due payments onto my credit file. 

Every year including XXXX, Nebraska makes it seem as though I owe them recent past due monthly payments, and a balance, which is a lie. 


In XX/XX/XXXX, I had filed another complaint with the CFPB against XXXX Bank, and its collection cohorts, I have had nothing to do with any of the above for over 4 years, yet they always retaliate and re-age and lie and place false status information onto my credit files. 

And they find someone at the credit bureaus it seems, like someone at Equifax, took ALL old XXXX negative accounts on my credit file, and they re-aged the accounts to look as though they became negative as of XXXX, XXXX and XXXX of XXXX. 
This was done intentionally and in collusion to cause irreparable damage. 

I have attached a recent denial letter from XXXX card services, and all of the reasons that I was denied credit for, due to the unjustifiable, untrue information that Equifax is providing to creditors, is inexcusable. 
For years Equifax has carelessly not been updating my credit file accurately, and they will report anything that will have me denied credit, as well as keep my credit score at a FAILING level.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have looked into my credit report with experian and they have false numbers, addresses, and show delinquent medical accounts that are showing they are in collections. And they are not. They will not remove or update these problems. Nor will they give me a copy of my full credit report. It is because of them that I have been turned down for credit in the past 2 weeks.
Product: Mortgage

I had SPS as my loan servicer for 15 years. I refinanced my loan in XXXX of this year and SPS was paid in full. I contacted SPS in regards to the unearned interest that is due to me by law. They responded that they were forwarding my letter to the proper department and I have not heard from them since. They are required by law to remit the unearned interest to me within 5 days. SPS has failed to do that or respond to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes were submitted on XXXX/XXXX/XXXX - XXXX/XXXX/XXXX - XXXX/XXXX/XXXX and XXXX/XXXX/XXXX to XXXX, XXXX XXXX and to Experian. The lack of communication these agencies give is utterly ridiculous. As a consumer, it is my right to dispute inaccuracies on my credit files, in which I have. However, these agencies have violated the Fair Credit Act by not responding to my concerns.
Product: Debt collection

When I was relocating from XXXX to XXXX, I called XXXX XXXX to inform them I needed to cancel my gym membership. I was told to email a check stub as evidence of my new address. Well I emailed the check stub and a signed later from my supervisor confirming my new address and job. The documents were sent to XXXX @ abcfinancial, but I never got a response. I found out some time later than I was being charged still after I already left XXXX.
Product: Credit card or prepaid card

i am late on a payment and card member service contacted my employer and shared my payment and account information with my supervisor. the date this took place was XXXX/XXXX/XXXX during business hours
Product: Credit reporting or other personal consumer reports

XXXX, per Experian credit report, sold account XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX XXXX XXXX a subsidiary of XXXX, and did not remove this account from my credit report. 

XXXX XXXX ( XXXX ) which is the original acct # XXXX and XXXX XXXX  XXXX XXXX ) is the replacement card issued # XXXX XXXX. XXXX XXXX XXXX XXXX are reporting as two separate accounts, when they are one in the same account. 

Several disputes were filed with Experian w/court orders, yet Experian failed to conduct the proper investigation and have XXXX XXXX XXXXXXXX and XXXX XXXX permanently removed/deleted from my credit report per the Fair Credit Reporting Act. Please see attached court orders XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN THIS COMPLAINT YOU WILL FIND A DISPUTE THAT REFERENCE INQUIRIES THAT I MAIL TO EXPERIAN DATED XX/XX/2023. ON XX/XX/XXXX EXPERIAN RESPONDED WITH A LETTER SENT DIRECTLY TO ME STATING MY DISPUTE LOOKS SUSPICIOUS AND THEY DONT BELIEVE IT WAS FROM ME. 

HERE IS A DIRECT QUOTE TAKEN FROM THE LETTER WE RECEIVED A SUSPICOUS REQUEST IN THE MAIL REGRDING YOUR PERSONAL CREDIT REPORT AND DETERMINED THAT IT WAS NOT SENT BY YOU. SUSPICIOUS REQUESTS ARE REVIEWED BY EXPERIAN SECURITY PERSONNEL WHO WORK REGULARLY WITH LAW ENFORCEMENT OFFICIALS AND REGULATORY AGENCIES TO IDENTIFY FRAUDULENT AND DECEPTIVE CORRESPONDENCE PURPORTING TO ORIGINATE FROM CONSUERS. 

IN A EFFORT TO SAFEGUARD YOUR PERSONAL CREDIT INFORMATION FROM FRAUD, WE WILL NOT BE INITIATING ANY DISPUTES BASED ON THE SUSPICIOUS CORRESPONDENCE. EXPERIAN WILL APPLY THIS SAME POLICY TO ANY FUTURE SUSPICIOUS REQUESTS THAT WE RECEIVE, BUT WE WILL NOT SEND ADDITIONAL NOTICES TO YOU THIS IS A STRANG ASSUMPTION BEING THAT ALL MY VERIFICATION DOCUUMENT WAS ATTACHED TO MY DISPUTE. THEN EXPERIAN GOES ON FURTHER AND STATES THEY WILL NOT INVESTIGATE ANY FURTHER DISPUTES FROM ME. THIS IS OBVIOUSLY AN ATTEMPT BY EXPERIAN TO VIOLATE THEIR DUTIES TO DO A REASONABLE INVESTIGATION. SEEMS AS IF THEY WOULD PREFER ME TO CONTINUE WITH A CREDIT REPORT FILLED WITH INACCCURACIES INCLUDING MY ADDRESS. THIS ONLY SERVES EXPERIAN BOTTOM LINE AND PROFIT. 

LASTLY EXPERIAN IN THE LETTER RESPONSE IS DOING THEIR BEST TO FORCE ME TO DISPUTE ONLINE AND BY PHONE, OR DOCUMENT UPLOAD, WHICH BY THE WAY DOESNT UPLOAD. I HAVE A RIGHT TO DISPUTE BY MAIL AND ASK FOR A RE-INVESTIGATION OF ACCOUNTS THAT ARE IN-ACCURATE AND INCOMPLETE BUT EXPEIAN IS REFUSING ME THE CHANCE TO DO SO. ALL DISPUTES ARE WRITTEN, TYPED AND AUTHORED BY ME. EXPERIAN NEEDS TO STOP VIOLATING MY RIGHTS UNDER USC 1681i AND PROCEED WITH MY ORIGINAL DIPUTE THAT IS ENCLOSED I THIS COMPLAINT AND ALSO BEING REMAILED. THEY ARE STILL UNDER THE ORIGNAL XXXX CLOCK AND ONLY HAVE THE REMAINING DAYS TO COMPLETE. ATTACHED TO THIS COMPLAING IS A COPY OF THE LETTER FROM EXPERIAN STATING THAT THEY VIOLATED MY FCRA RIGTHS AND WILL CONTINUE TO DO SO. ALSO ATTACHED TO THIS COMPLAINT IS COPY OF ORIGINAL DISPUTE FOR EXPERIAN TO PROCEED SINCE THE CLOCK IS STILL RUNNING ON THE ORIGNAL 30 DAYS. EXPERIAN ALSO NEEDS TO STOP BLOCKING MY DISPUTES AND TO TAKE OFF THE FILTER ON MY ACCOUNT PROHIBITING ME FROM DISPUTING IN-ACCURATE AND INCOMPLETE ACCOUNTS
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency : XXXX Address XXXX XXXX XXXX, XXXX, PA XXXX Account number XXXX NAME XXXX XXXX address : XXXX XXXX XXXX XXXX, MO XXXX Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Mortgage

I applied for re-modification loan file with Bank Of America starting months ago with my husband but was decline with my husband due to LTV/ratio and was told was qualified to do a short sale ; however due to changes in my marital status, I re-applied on my own immediately right afterwards. Bank Of America still had all my information from previous loan application submitted with exception of the separation/divorce agreement ; however other than my processed application, Bank Of America kept requesting the same information over and over again that was given previously one being the XXXX. I sent them the actual Tax Returns XX/XX/XXXX and the signed XXXX a few times. They requested the my HOA information a few times after I forwarded this information to them and all this was before there was a Foreclosure date of sale date on my home. After all this I finally received a letter in the mail stating that my home was schedule to be foreclosed on XX/XX/XXXX and at this time the only document underwriter was awaiting for was my Separation/Divorce Agreement I sent the a copy of the agreement but it was signed to show proof of my situation. Prior I spoke to a Manger who informed me while speaking with underwriter that only document awaiting was the Separation/Divorce Agreement to complete the review and postpone the Foreclosure on my home, I forward the information once signed and notarized on XX/XX/XXXX from my attorneys office as requested and received fax confirmation that documents were received with all the pages. I called Bank Of America per instructions to verify and Representative stated they did n't receive the documents even though I had a confirmation stating they did. I refaxed and was told by XXXX XXXX that I was too late and possibly the foreclose will still go through even though I was told by Office Manager that once I faxed the required document needed the Foreclosure will be postponed to allow the Underwriter to complete review and inconveniently non of the conversation I had with the Office Manger was documented within the system per XXXX XXXX that happened on XX/XX/XXXX. I 've been given nothing but the run around when seeking assistance with trying not to lose my home with the constant request of documents already given and having to keep giving the same application information like my income which was done on previous application and new application entered only to receive no help. I do n't know what else to do. If I lose my home I do n't have anywhere else to go.
Product: Mortgage

My loan number is XXXX and caliber home loan has not posted my XX/XX/2023 payment as of XX/XX/XXXX and Caliber Home loans is on track to ruining all XXXX of my consumer credit reports. I am in the XXXX  program and the XXXX department at Caliber home loans is processing payments 40 days behind. In the meantime Caliber home loans has not shared this information about the 40 day processing time with the credit reporting department within the CALIBER HOME LOAN institution. my XXXX payment is missing As a result. The XXXX department XXXX caliber home loans reports inaccurately to all XXXX credit report bureaus that I have not paid. I know it takes 40 days to process XXXX payments but it takes XXXX minutes to tell the XXXX XXXX department about the 40 days needed when caliber is processing XXXX payments, thereby halting the processing of the inaccurate reporting that in returns ruins my credit.
Product: Money transfer, virtual currency, or money service

Complaint against Coinbase On XX/XX/XXXX, I attempted to buy {$200.00} worth of XXXX. I pressed confirm buy but nothing happened. I watched, logged out, logged back in later, still no indication my purchase had gone through. So I tried the purchase again. Immediately my purchase showed up on the screen as confirmed. I assumed the initial attempt to buy was unsuccessful. 

Then I noticed that my bank account had been charged for two {$200.00} purchases. I checked my Coinbase account and only one purchase was credited. I called my bank and asked them to reverse the payment for which Id received no credit. They reversed that payment. 

Fully one week later on XX/XX/XXXX the initial purchase, for which I 'd had no confirmation, finally showed up in my Coinbase account. But by then my payment had been reversed. I contacted my bank but they could not reverse the reversal. 

Today, I found that Coinbase took back {$200.00} worth of XXXX out of my account but did it at todays Bitcoin price causing a loss to me. This was a problem caused by a failure of their system. I should not incur a loss because of their error. 

Now my Coinbase account is locked. I ca n't buy or sell. I ca n't set up a new payment system. I 'm totally stuck. 

I 've tried repeatedly to contact Coinbase Customer Support with no success. They have no phone number to call. The email address for customer support no longer accepts messages. I 've repeatedly communicated through their online customer support contact system without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTHING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

A # NAME XXXX XXXX  XXXX # NUMBER XXXX ACCOUNT # NAME XXXX  XXXX XXXX ACCOUNT # NUMBER XXXX ACCOUNT # NAME XXXX XXXX XXXX ACCOUNT # NUMBER 490263XX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15U.S.C 1681 SECTION 604 A SCTION 2 IT ALSO STATES ACONSUMER REPORTING AGENCY XXXX XXXX FURNISH A ACCOUNT WIYHOUT 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 INFORM ATION, OTHER THAN RECORDS OF CONVICTIONS 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 ANY CONSUMER REPORTING AGENCY IF THE
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am distressed that this XXXX has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXL XX/XX/year> XXXX XXXX Bank XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> Bank XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX Bank XXXX XXXX Credit Card XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I sent a follow up letter to Experian requesting they re-investigate the verification of a collections account with the company : XXXX XXXX XXXX, in which they replied, explaining the account had been verified. In the follow up letter I requested the procedure in which they used to verify the accuracy of the reporting. I asked that they provide me with names, addresses, telephone numbers of each person contacted regarding this alleged account. As well as any documents bearing my signature, showing that I have a legally binding contractual obligation to pay them. I specifically noted that any automated response or e-oscar verification would not be accepted. XXXX did not provide me with anything that I requested from their re-investigation. I'm asking that the fraudulent account be removed from my credit report immediately. Thank you for your attention in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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 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