23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received two calls from the company and they left two vague voicemails. I called back and provided the reference number they gave me via voicemail. The rep would not tell me any more information unless I gave them more information. I let them know I am not comfortable giving information when they did not tell me in voicemail or when I called whom they are looking for and why. I asked them I would be reporting this as it was potential phishing for personal information under false pretense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021.
Product: Credit card

about four months ago i payed off my XXXXXXXX XXXX XXXX through US bank in full online got my confirmation number copied and pasted the pay off page and conf # and saved it in my computer so figured the card was paid off three months later after hearing nothing they said i owed another XXXX dollars and change and there was late fees so now it was up to XXXX dollars by the time i received a final notice, so i called them and got them to drop the late fees off about a month ago and i gave my checking and routing number and payed the so called balance that i didnt pay, wotch i have proof that i paid in full anyways another month goes by and i get another final notice for the XXXX dollars so i called again by this time im angry they told me that i gave them the wrong check acount number and it still wasnt paid so i gave my ch acc # and ro # again and paid it off again today, i gave the correct info this first time right off of my bank app i guess they typed the wrong numbers in the first time which dings my credit each time all i want is this stupid card payed off, there employees are incompitent, i payed i today again i am hoping it finally goes through i swear its some type of interest scam that they charge interest on a payed off card i want my late charges fixed and i want US Bank repromanded i beleive either they are dis honest or in compitent why did i not receive a call or my bills for months
Product: Credit reporting or other personal consumer reports

I am attaching a FTC report containing 4 fraudulent accounts and 3 fraudulent inquiries! Under FCRA 605B you must block these accounts which were done under identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account has been refinanced the closed accounts should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initial CFPB complaint : XXXX XX/XX/XXXX was filed against XXXX and Equifax, XXXX is a collection agency that was contacted by XXXX XXXX XXXX XXXX for a loan that was already paid off. They ended up on my credit report anyway. 

XX/XX/XXXX response verbatim from XXXX XXXX c/o XXXX on that complaint : ... acct was received by TXXXX XX/XX/XXXX, XXXX reported paid XX/XX/XXXX ( believe he meant XXXX ) TekCollect notified XXXX  Equifax and XXXX  to DELETE this acct from this consumers credit files on XX/XX/XXXX. Today XX/XX/XXXX again notified Equifax to DELETE this acct. We have confirmed acct DELETION by XXXX and XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQUIFAX HAS NOT DELETED NOR WILL THEY REINVESTIGATE THE DISPUTE XXXX ON MY CREDIT REPORT. THIS IS A VIOLATION UNDER FCRA 15 U.S.C ss1681e ( b ) ; AND FCRA 15 U.S.C ss1681i.I HAVE REPEATEDLY TRIED SEVERAL TIMES. 
I DID MY PART. 
XXXX DID THEIR PART. 
TEK-COLLECT DID THEIR PART. 
SO AT WHAT POINT IS EQUIFAX TO BE HELD ACCOUNTABLE FOR JUST ALLOWING SOMEONES INFORMATION TO JUST SIT IDLE & FLAT OUT REFUSE TO FIX IT? ITS UNACCEPTABLE. I AM 1 OF MANY CONSUMERS THAT IS HONESTLY WORKING HARD AT REPAIRING MY CREDIT ON MY OWN, SO REPEATEDLY TRYING TO DISPUTE THE SAME THINGS IS DEFINATELY NOT OK. I DO NOT HAVE THE TIME. NOR THE PATIENCE. BUT IF ATTORNEYS NEED TO BE HIRED AT SOME POINT TO REMOVE THINGS FASTER, THEN SO BE IT. I AM TIRED LIKE MANY PEOPLE. EQUIFAX HAS HAD AMPLE OPPORTUNITY & SEVERAL NOTIFICATIONS TO DELETE DELETE DELETE DELETE THIS. WHY IS IT STILL ON MY PROFILE? I WOULD LIKE TO KNOW. I EVEN HAVE A LETTER AFTER THE LAST CFPB COMPLAINT FROM TEKCOLLECT AS PROOF & THIS IS STILL ON MY PROFILE WHY? EQUIFAX WHY? I ALWAYS HAVE AN ISSUE WITH EQUIFAX VS THE OTHER BUREAUS ON REMOVING SOMETHING.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX around XXXX I attempted to buy {$1500.00} worth of BTC from coinbase.com My bank refused the charge.

On XX/XX/XXXX I noticed that I was not able to login to the exchange XXXX. I would get the message " error, please contact support. '' On XX/XX/XXXX I called in support at XXXX to ask what happened and they told me my account was flagged because of the charge refused by my bank on coinbase.com.

Please note, I can login to coinbase and NOT XXXX.

On XXXX  I have approximately {$8600.00} on that exchange in my account that I can not access.

The company coinbase has on file, my fingerprints, drivers license, bank statements, passports etc. More than enough to confirm that my account has no fraud activity on it.

I emailed the company on XX/XX/XXXX explaining what happened with my bank and clouded screen shots of emails as well as copies of bank statements. They responded and told me the following " For fastest response, please do not create multiple tickets about your issue. '' It is now XX/XX/XXXX and I still can not login to my account and therefore have no access to my money.

The company is holding my money hostage with no proof of fraud- in fact I have been fully cooperative in linking my bank accounts and providing all identification to prove that I am myself, XXXX XXXX XXXX . I am a XXXX XXXX XXXX with the state of Connecticut and a citizen of the United States and do not appreciate a financial exchange robbing me of approximately {$8600.00} by not allowing me to access my money.

At this point I have called them onXX/XX/XXXX and XX/XX/XXXX and receive similar responses from the customer support team ; that my case is going to a specialist and that I have to wait for a undefined span of time. Also that they can't " tell me that information '' when I ask questions regarding my account.

At first they claimed it would take 4-5 business days to resolve. That time frame has now been surpassed.

I have looked into this issue and it seems that many customers have had a similar issue. The Coinbase/XXXX company blocks people from logging into their accounts and blocks access to their money from anywhere from 1 week to 6 months or longer.

Also since the chargeback occurred on coinbase.com there is no reason why I should be blocked from accessing my money on the gdax.com exchange which is separate website and exchange. I didn't even know that they were under the same ownership as they appear as two separate sites.

Please help me in this matter.

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

occurred : XXXX amount : {$70.00} actions : It seems the `cash app` XXXX application is designed to make it easy to mistakenly transfer money using the instant transfer button, thereby incurring steep fees for the transaction. Normally, there would be a confirmation step clearly stating the fees involved whereby the customer can make an informed decision to proceed or exit accordingly. Instead the app immediately executes the transaction with no recourse. The end result is a consumer who is tricked into thinking they are the fool, rather than the app specifically being designed in a way to promote that mistake ( a feature, rather than a bug ). 
In my specific case ; I tried to resolve using the help chatbot, which told me to send the money back to cash app ( effectively reversing the transaction ), then the chatbot replied with nothing more than a ". ", and said it could no longer help me on that problem. Customer service said they couldn't help me, and literally hung up before I could ask a follow up question. When I called back again to ask for a manager, they said the manager was email only ( which I suspect is not a manager at all ). So at the end of the day, they kept the {$70.00} transaction fee, but the money I intended to transfer was still with cash app as the " help '' bot had instructed me to return the money..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I filed a CFPB complaint under complaint Id XXXX demanding ( XXXX ) an immediate update of my mailing address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that you STOP, CEASE and DESIST from any further direct and indirect communication with me of any kind imaginable, including, but not limited to, phone, text, email, social media, UPS, XXXX, courier, XXXX mail or otherwise ; and ( 3 ) To the extent that the credit card agreement has an Arbitration clause, I hereby elect, choose and demand resolution of any and all claims and counterclaims with forced binding private arbitration with the XXXX XXXX XXXX XXXX XXXX, litigation in any court is prohibited due to my election and demand to Arbitrate. Any improper communications will incur liability pursuant to the FDCPA. Failure to promptly update my address with an interim update with every credit reporting agency shall be deemed to be an additional willful violation of the FCRA for which statutory damages of {$1000.00} shall be owed. Not only has the bank failed to change my address based on my phone call of XX/XX/2023 but the bank has violated the Cease and Desist order. Fix it!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Trans Union on multiple occassions about 2 items on my report that are not right. I requested they investigate, send me a detailed description of how they verified it ( I want names, dates, and titles of people they talked to at these companies for my lawsuit ) and Trans Union sent me half XXXX responses saying it was verified. THAT'S NOT WHAT I ASKED FOR. At this point I'm dealing with the companies legally and considering adding Trans Union to the party for continuing to ruin my reputation by reporting these accounts. Both of the companies were sent a cease and desist back in XXXX and have failed to give me what I asked for which is why I filed suit. I didn't forget about Trans Union though because looking at my reports I see they're still in cohoots with these crooks also
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

I opened a XXXX XXXX credit card for a XXXX  procedure and had to set up a pay arrangement to pay off the card to close this account. After ensuring that the company was aware during the call with the employee for {$300.00} a month until the full {$1800.00} was paid off. I brought the balance down to {$450.00} and was getting ready to pay off the account i received a statement that stated i owed an additional {$780.00}. I called the company and explained that i had previously set up this pay arrangement with a member of their team and wanted the arrangement to be honored as previously agreed and would not pay the other amount because during the initial phone call it wasn't discussed nor brought up about this being promotional. Now i received an additional phone call and tried to explain how i initially freaked out and wanted the account closed and a notarized pay arrangement to be established so that this would not happen again. The man on the phone would not hear about it and even was acting smug about the situation while saying i wasn't able to request this arrangement and the statements were all i was going to receive. When asked why the initial phone call didnt include this information I was informed that the account specialist did not know.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau equifax stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations
Product: Debt collection

I just recently received a letter from California Business Bureau about the debt. ( a collection agency ) I went to the hospital for a dislocated shoulder. I was given a sling and a prescription for XXXX. The bill itself is over {$5600.00}. I was working part time and on a waiting list for health insurance at my job. I filled out an application for emergency medi-care. It wasnt until later that i saw it on my credit report that i was informed of the debt. I dont think i owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an ad for a capital one credit card and in the top left it says no credit score needed to apply so I figured it was no risk to apply. When I did it, I got notice that it was a hard inquiry. I would not have done it if the advertisement said no credit score needed. This is dishonest.
Product: Student loan

For years I have reaching out about how to make payments to my Navient loan ( s ). I learned that payments were only made to select loans and I found myself delinquent in others - even though I was paying the amount assigned monthly. I was constantly trying to get clarification form customer service. Constantly harassed with notices threatening to put my account into delinquency. 
Since XXXX, I was regularly informed that if I could n't make the payment assigned to me that I should apply and renew deferment/forbearance. At times lowered adjustments were offered but still above what I was able to pay- I was made to believe that what I had to offer was not acceptable and I needed to apply for deferment/forbearance in order to not ruin my credit. Unfortunately, in XXXX I was diagnosed with XXXX XXXX and underwent a XXXX XXXX extending the deferment/forbearance status. 
If I had been able to make payments I could afford I could have avoided the accumulation of additional debt and perhaps lowered my monthly payments. 
Today, I called to say that I could start making payments towards my loan and they again said that they could n't accept this payment, instead insisting I pay more than I can afford in my current hardship. Now they are suggesting I pay double of what I can afford and again put 2 loans into deferment/forbearance. I escalated my concerns to 3 different people until a supervisor after much " calculation '' suggested I apply for a direct loan consolation and a pay as you earn graduate income based repayment. I asked if this was a new option and he said no - it has been around for a few years. I was shocked to know that they had n't counseled me sooner. He said it was almost guaranteed that I would be approved. It 's unbelievable that six years have passed - I am a XXXX XXXX XXXX for children with XXXX and low income communities- and as I dedicated myself to service, I could have been paying towards my balance and working towards forgiveness. I feel robbed of my financial well being. Now I face medical bills that surpass my student loan. I will never climb out of this financial hole. I feel deceived. It is depressing. 
I have renewed my deferment/forbearance for 2 of my loans, paying double of my affordable contribution, awaiting my consolidation application with direct loan. I 'm learning about Navient 's deceptive and irresponsible practice today. It 's disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency,
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.
Fortunately, in accordance with the FCRA Sections 605B,615(f) and 623 (a)(6), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from Identity theft. Pursuant to the FCRA 605B (15 U.S.C. 1681C-2), PLEASE BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this Section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

Enclosures:
a. List of Fraudulent Accounts on my Report
b. FCRA Sections 605,609,6011
c. Proof of Identity and Address
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
SS#: XXXX
To Whom It May Concern:
I recently discovered several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts are listed and highlighted below:
INQUIRES:
Prepared For XXXX XXXX XXXX Date generated: XXXX XXXX 2022
    XXXX XXXX XXXX $XXXX 12 late payments Balance updated XXXX XXXX, 2022
Product: Credit reporting

On XXXX/XXXX/2016 I XXXX XXXX sent Experian via fax an Identity Theft Report stating that there were items on my credit report that were due to Identity Theft, along with identifying documentation, I stated clearly that the information is not information relating to any transaction by the consumer. I demanded an Identify theft block in writing. FCRA 605B ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I reported the alleged Identity Theft to the FTC and forwarded to the CRA this report and Affidavit. I spoke with local police and was informed that they did not have jurisdiction since these transactions happened online and in some cases in a foreign countries. I was not allowed to file a police report. I received a letter from the CRA stating that they were doing a standard reinvestigation of the accounts. They have no basis to do this. The CRA has locked me out of my credit report even though as a victim of Identity theft I have a legal right to my report. They are in clear violation of the FRCA and a simple google search will show that they routinely deny consumers there rights under federal law.
Product: Mortgage

Aloha and good afternoon, my name is XXXX XXXX and I live in XXXX Hawaii. 
I own a rental property located at XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX, XXXX Hawaii XXXX. When I purchased this property a few years back I purchased it from a gentleman named XXXX XXXX XXXX. I purchased it from him under whats called an agreement of sale on the mainland its called a wrap around Mortgage I never assumed that underlying first mortgage. I am now selling this property and have spent endless hours and days dealing with the XXXX  at Mr. Cooper, formally nation star mortgage. The changed the name as a way to appear more friendly? These guys have an F rating with the XXXX XXXX XXXX XXXX XXXX only has a D rating? After my encounters with Mr. Cooper, I am surprised its only an F? So, here is what I could use some help on. All we want from Mr. Cooper is to get a payoff demand so we can pay them off this has proved to be impossible. One of the many calls was with a XXXX employee # XXXX, and she said she would have a supervisor call me back in 5 to 7 days, that Great customer service .I never got a call from a supervisor, BIG surprise. She was able to find the payoff based on two items provided the original borrowers name and the property address. So they can find the information. But, because the seller ( XXXX XXXX XXXX ) is not been found we have no way to get an authorization to get a payoff. We do not want a mortgage rating, just a simple payoff. At the beginning we had been told to send an email to the following departments research Incoming. You can not call them as they do not have a phone, even better customer service?? We sent the email after we had been told it would take 72 hours to get a response. That was two weeks ago, and when we emailed to follow up with the incoming research department they emailed us back saying they lost the first request, what a bunch of XXXX. We are trying to close this transaction. As of 2 days ago and Mr. Cooper has caused Harm from the delay. All we want is to pay these guys off and be away from them. We do not have a loan number for this loan, it was an old countywide mortgage and sold to Mr. Copper. But, they did find the payoff already, just did not release it. Getting an authorization is not possible from XXXX XXXX XXXX, Mr. Cooper already attempted to reach him on some old phone number.