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

I am XXXX thru both ; Social Security and Department of Veterans Affairs. When it comes to the Department of Veterans Affairs, I am 100 % total and Permanent XXXX. I have written to all of the Student Loan Companies, completed the application for XXXX, and disputed the information with the credit reporting agencies. No one is listening! 

I have submitted all of the documentation possible from every agency. The documents provided clearly state that I am in fact 100 % total and permanently XXXX. Please help to have this information corrected.
Product: Credit reporting or other personal consumer reports

Two fraudulent hard inquiries on my Equifax credit report. One from XXXX XXXX and a second from XXXX  XXXX XXXX, both on XXXX XXXX, 2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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 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

Incomplete account and Im not aware of this debt and did not have the opportunity to dispute this information. Did not receive a call or certified mail. Please provide Validation of Debt. 

There is incomplete file on Equifax # XXXX ; There is a account on XXXX I'm not aware of # XXXX I did not have the opportunity to dispute this information and I have perfect credit. I would have never allowed such actions to take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  account is in litigation and should not be reporting. I have sent off letters several times stating this.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C S 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C SS 536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I report as inaccurate and Please remove the below accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As i stated in previous complaint XXXX. 
I Can not access nor have they responded in a timely matter.

Then they send an Email to Reset password to account with a unresponsive or broken link. This is foul play.
Product: Mortgage

URGENT VIOLATION OF THE CALIFORNIA HOME OWNER BILL OF RIGHTS WITH A PENDING FORECLOSURE SALE DATE OF XX/XX/XXXX, FAST APPROACHING THAT MUST BE STOPPED. XXXX XXXX among others at Bank of America have been assisting in putting together a compete package to finish a loan modification. There were only two things that were left to complete the file per XXXX XXXX request 1 ).  XX/XX/2017  tax return 2 ). Current quarterly profit and loss. As of XX/XX/XXXX XXXX XXXX, the final two documents were received by Bank of America 's  borrower portal system, with verbal confirmation from live agents. I left a message and sent an email to XXXX asking for an update and have not heard back. Today, I spoke to XXXX and he says that " YES '' All financial documents were received and are being reviewed by underwriting. XXXX said that the Bank would NOT request the FORECLOSURE SALE be stoped until Underwriting made a decision on the documents, however he did not know when that would be. XXXX is specific about not DUAL TRACKING a foreclosure sale and a complete loan modification package, THIS IS BEING VIOLATED. PLEASE forward this request to THE EXECUTIVE TEAM AT BANK OF AMERICA and request they order TRUSTEE CORPS to stop the sale NOW! ALL documents are being reviewed by UNDERWRITING and they need time to decide. URGENT!!!! THANK YOU
Product: Checking or savings account

I was a victim recently to fraud. They disguised themselves as XXXX XXXX and gained access to my home computer on XX/XX/XXXX. 

I then received calls about fraudulent charges made on my debit card and requested a new card. I also received another call about it being delayed. One of the two calls was a fake and they were able to get more information from me though I dont remember what. While this was happened on the XX/XX/XXXX my account was accessed and atm withdraws were made of XXXX XXXX times for a total of XXXX dollars. 

I had my accounts frozen immediately after that and change my account and blocked all my cards. They fraudsters continued to try and access my account till today. I filed a claim white XXXX and then called back and had to file again because the first one was apparently not sufficiently done. This includes adding information about my digital wallet. They asked if I had any, which I replied that I had an XXXX XXXX Apparently there was a XXXXXXXX XXXX connect to my account as well. I believe thats what they used to pull the money out of my account. 

I was dealing with this while being out of the country ( I flew out XX/XX/XXXX to XXXX ) so it was challenging to contact the Bank. But I did manage to contact them after finding out that my claim had be denied due to the fact that they used one of my recognized computers to access and withdrawal the money. They then suggested I speak to my internet provider to see if they can give me proof that my account was hacked because f I wanted to dispute the claim. This is about the entirety of what happened so far. 

I will now go and cancel my cards today and ask for new ones as the fraudsters still have been trying to use my credit card though its locked. My new account for my debit has not been attacked since I change it though. I also changed all my passwords since then as well Please let me know whatever more information you need me to provide to help assist me get my money back. Thank you in advance. 

The file claim number is the following # XXXX- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and bill. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm asking for your help to resolve this issue. Thanks again
Product: Credit reporting or other personal consumer reports

I recently discovered discrepancies in my credit history related to the reporting of late payments, and I believe these inaccuracies stem from undelivered monthly statements. 
Upon a thorough review of my credit report, it has come to my attention that late payments have been reported, affecting my credit score and financial standing. After careful investigation, it appears that these late payments resulted from undelivered monthly statements. 
I want to draw your attention to the provisions of 15 USC 1666b under the Truth in Lending Act, which mandate that creditors ensure periodic statements are mailed or delivered to consumers at least 21 days before the payment due date. In my case, it seems that I did not receive these statements within the specified timeframe, leading to inaccurate late payment reporting to your agency.
Product: Mortgage

XX/XX/XXXX TO : LAKEVIEW LOAN SERVICING LLC XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Error Resolution Notice under 12 C.F.R. 1024.35 Mortgage Loan Number : XXXX I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX, CA XXXX. Specifically the escrow balance and disbursement. 
I received an annual escrow account statement around XX/XX/XXXX describing a new mortgage monthly change due to shortage in the escrow account. I have never had escrow under this account since the original loan setup date on XX/XX/XXXX. What is more disturbing is that there have been claims of two disbursement checks made by LAKEVIEW LOAN SERVICING to XXXX XXXX COUNTY TAXES in the amount {$2700.00} ( check # XXXX ) and {$3100.00} ( check # XXXX ) on XX/XX/XXXX for XX/XX/XXXX-XX/XX/XXXX back taxes that were never received or recorded by the XXXX XXXX COUNTY TAXES. What is more disturbing is that we have already made the tax payment of {$2700.00} on XX/XX/XXXX and today has resolved the back taxes for XX/XX/XXXX-XX/XX/XXXX of {$3200.00} on XX/XX/XXXX. I have attempted numerous times to resolve this escrow accounting error or possibly fraud through several representatives and the case has been promised to escalated to a supervisor many times, yet after more than a month this issue remains unresolved with no contact from the escrow department. My monthly payment statement is still showing the disbursements as a negative balance on my escrow account, thus generating an increase in our mortgage payment from the usual amount of around {$4000.00} to {$5400.00}. I will continue to make my usual payment amount and wish this matter to be investigated and resolved immediately with adjustments reflecting a true statement. The county taxes have already been cleared and is now current. I need this to be resolved immediately with 1. Investigate the two missing checks that were supposedly sent to XXXX XXXX COUNTY TAXES that were never received. CHECK # XXXX & XXXX. 
2. Adjustments and corrections to the escrow and mortgage account showing the true current mortgage monthly payment and monthly statement. 
3. Close the escrow account that we have never had nor opened in the first place. 

Update : XX/XX/XXXX I spoke to a supervisor at LAKEVIEW LOAN SERVICING LLC name XXXX agent # XXXX regarding making the usual mortgage payment without the escrow errors and was told that any partial payments would be denied and the account would be in default. Asked why this matter has not been resolved in more than a month and was told that they are still investigating the missing checks and in the meantime I need to make whatever payments that are recorded in my statement account, whether it is a {>= $1,000,000} accounting error or not, I would have to make those payments and they can not accept any partial payments. When pressed if this matter will be resolved anytime soon, I was told that it has been escalated only. 

If you need to contact me, I can be reached at ( XXXX ) XXXX, XXXX, XXXX XXXX CA XXXX OR XXXX Sincerely, XXXXXXX
Product: Debt collection

To Whom It May Concern :  XXXX   XXXX  ,  XXXX  of  XXXX   XXXX , NJ has been harassing me over unpaid credit card debt for years. Initially, I began to receive a collection letter or phone call once every few weeks ( the calls were always received on my mobile phone, which was and remains on the do not call list ). I notified them with the use of form language found through the CFPB that they were not to contact me going forward. However, the calls started arriving half a dozen times a day from different numbers and area codes. A representative of  XXXX   XXXX   ,   XXXX  called my workplace and repetitively asserted to the receptionist that he had to speak to me because of outstanding debt and legal problems. He told her that if I was not pulled out of the meeting to answer his questions, the police would arrive to arrest me. This was, needless, to say, humiliating.     Then my f ather (   XXXX   XXXX   XXXX   ), an   XXXX  in  XXXX   XXXX , Florida who is more than   XXXX   XXXX   older than I am received a call from  XXXX   XXXX   ,   XXXX , but before they could reach him ( he was  XX/XX/XXXX  ), the representative made a point of characterizing my father ( who I 'm assuming he thought was me ) as a criminal, etc. to his office staff. My father had no idea what any of this was all about, and after panicking, he assumed it was some sort of strange extortion attempt. He told me about it later that day, and I asked him for the incoming number. Sure enough it was  XXXX   XXXX   ,   XXXX .     Several weeks later, my mother receives a call on her cell phone alerting her that her son had done something very, very bad, but that they were not at liberty to discuss it or identify themselves. I 've never seen her so rattled in my entire life. She thought I had committed a heinous crime or was involved with organized crime or something of the like.     Now for the straw that broke the camel 's back : I examine my credit card statement, and without my knowledge or consent,  XXXX   XXXX   ,   XXXX  has begun charging my new   XXXX   XXXX   credit card, for what I can only assume is money they assume to be theirs, though I have disputed that assertion in various venues for years. ( see attached screensho ts ). These  disputes have not led to any determination of responsibility. In short,  XXXX   XXXX   ,   XXXX  violated basic debt collection regulations, humiliated me at work and with my family, and then stole from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REVIEWED MY MOST RECENT CREDIT REPORTS AND THERE SHOWING INCORRECT INFORMATION. I HAVE WRITTEN AND SPOKING WITH THE CREDITORS REGARDING THIS ISSUE WITH NO RESULTS. THE FOLLOWING INFORMATION IS INCORRECT XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following inquires XXXX XXXX, XXXX XXXX.
Product: Student loan

I have called numerous times from XX/XX/23 - XX/XX/23 and never been connected with an agent at MOHELA. I have left call back numbers and never been contacted. I have sent emails and also never been contacted. My initial payment was incorrect ( I paid ) and then my account was placed in forbearance without contacting me. I then was approved for a XXXX XXXX ( XXXX ). However, my current monthly payment is still incorrect.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/, I transferred {$11000.00} into Coinbase account. I have had account with coinbase for longtime. But this time, though, they promise access to funds with in 5 days, they made me wait until XXXX XXXX XXXX. 

Today, I tried to access the funds and transfer it, my account got locked. The instruction was to contact support. Called the phone number and there was no response. Then I used chat to contact the customer service. 

The rep that came on named, XXXX, spent not much time in understanding and resolving the issue. He came back and messaged saying it will take another 6 DAYS to resolve the issue. 

I told him I can not wait that long and need access to the account and funds urgently. His response was it will take 6 days and there is nothing that can be done. 

Coinbase is routinely causing issues to customers it seems. On line search shows many complaints and frustration that we can get nothing done thru " customer support and there is no way to escalate the issue either. 

They said, if the issue was not resolved, then we can launch a compliant. I submitted the complaint and the automated response I got was, it will take them 45 DAYS, to reply.!!! 

I have already been delayed and now this. This is extremely distressing and they are playing games to hold on to my money illegally. This is unacceptable. 

They need to provide access to my account and funds asap. It should not take them 6 working days to get this done. I don't know if Coinbase is genuine anymore and scared that I may lose money. 

As you see in the attachment enclosed, they just list the complaint and do not show any other information that was exchanged. Everything with this company is suspicious and they are really taking customers for granted once they have access to our money. 

PLEASE HELP ASAP. THANK YOU VERY MUCH.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and concern regarding the inaccurate reporting of an account placed on my credit reports, which appears to originate from XXXX XXXXXXXX XXXX XXXX and has been managed by your agency, XXXX XXXX XXXX. The account in question has caused significant damage to my creditworthiness and has consequently impacted my financial standing. 

Upon reviewing my credit reports, I noticed discrepancies in the reporting of the aforementioned account. It is essential to rectify these inaccuracies promptly, as they are causing serious harm to my credit profile. To address this matter effectively, I request a thorough investigation into the account and its reporting. 

Furthermore, I kindly request that you provide me with written proof of all pertinent documentation related to this account, including but not limited to : Signed contracts or agreements pertaining to the services rendered by XXXXXXXX XXXX XXXX XXXX. 
Valid photo identification associated with the account holder. 
Detailed service dates outlining the nature of services provided. 
Clear documentation of payment dates and amounts made towards this account. 
I understand the importance of adhering to proper protocols and regulations in handling such matters. Therefore, I expect your agency to conduct a comprehensive review and furnish the requested documentation within 14 days from the receipt of this letter.
Product: Credit card or prepaid card

I was never late on my payement with my capitale one credit report,
Product: Credit card or prepaid card

Payment made on XXXX XXXX, 2017 to my wells fargo credit card .... the money was taken out of my checking account and is now being held for 15 days and I am sure I am not the only customer, so it seems as though they are using these payment holds to profit off their customers. I was on the phone for over a half hour attempting to get this resolved and was advised I could not be helped and that no departments that I needed to communicate with would be open for up to 4 hours and it was XXXX EST.. I had a deadline to make a particular payment, sent the funds to the card to benefit from the rewards and was declined.
Product: Checking or savings account

On XX/XX/year>, I was informed by my Banker that if I invested {$10000.00} of new money, I would receive a bonus of {$500.00} in 6 months. Wow, how could I say no ; that's approximately a 12 % return for 6 months. Several months later, I'm talking to s different Banker and was informed the money had to remain in the acct. until XX/XX/year>XXXX  That is not 6 months, that's 6 months and 8 days. Several weeks later, in late XXXX XXXX the same Banker tells me I will not receive my money until XX/XX/year>. I was also told I could not remove my money because if I did I could lose my {$500.00} bonus. Now I do not have use of my money. It is XX/XX/year> and I still do not have my {$500.00} or the use of my money. As of Friday, XXXX 2024 the Ass't manager told me no-one has gotten their bonus and she will contact her superior and get back to me later. She did not get back to me. I called this morning, XX/XX/year> she was busy, and I was told she would get back to me later today.