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

In accordance with Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX XXXX # XXXX Has violated my rights. 

In accordance with Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX account # XXXX Has violated my rights. 

In accordance with Fair Credit Reporting Act XXXXXXXX  account XXXX XXXX XXXX account # XXXX Has violated my rights. 

In accordance with Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX account # XXXX Has violated rights.

15, U.S.C 1681 Section 602 A states I have the 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 instruction.
Product: Money transfer, virtual currency, or money service

I LOST THE ABILITY TO LOG INTO MY ACCOUNT WITH COINBASE EARY XXXX, TRIED TO RESET MY PASSWORD THEN DISABLED THE ACCOUNT ACCIDENTLEY AFTER CALLING THEIR CUSTOMER SERVICE PHONE NUMBER. 
I FILLED A HELP REQUEST MANY TIMES, I RECIEVED AN E MAIL RESPONSE STATING THAT THE ISSUE WILL BE HANDLED IN 4-5 DAYS. 
SINCE THEN NO RESPONSE
Product: Mortgage

Received a statement from Shell point Mortgage showing that my mortgage will jump over {$800.00} more a month due to a negative balance in escrow. There never has been a negative balance and always enough money in there. I have tried repeatedly to ask where and who the money went to out of escrow. It looks like several thousand was taken out
Product: Mortgage

Mortgage Servicing Fraud WITH BACK DATED ASSIGNMENTS A relatively new term, but rapidly becoming standard, Mortgage Servicing Fraud refers to a variety of abusive servicing practices that may occur individually or collectively to a loan after it has closed. Mortgage servicers are usually a third-party company hired/contracted by the lender/note holder to perform the day-to-day tasks associated with collecting loan payments. Some of these practices include, but are not limited to : * Manipulating the accounting of loan to appear in default despite being current. 
* Refusing to accept properly tendered payments. 
* Charging fees for collection letters, inspections and BPOs. 
* Charging interest in excess of that actually owed. 
* Placing payments into suspense accounts without cause. 
Meanwhile Fabricating Assignments and Sponsoring ownership of a company in another Country These activities appear to be more commonly encountered by borrowers with equity in their property, regardless of their prime or sub-prime status. 

When it comes to mortgage servicing fraud, these wrongs are usually committed by third-party companies that hold neither title nor interest in the properties whose loans they service. Most commonly these days, servicers are employed by owners of XXXXXXXX XXXX Backed XXXX or XXXXXXXX XXXX. Mortgage Servicing Fraud stems from fairly boilerplate language used in the Pooling & Servicing Agreements that govern the relationship between the trust and the mortgage servicer. 
For instance, many Pooling & Servicing Agreements allow servicers to keep assumption fees, modification fees and basic late fees as what is known as " additional servicing compensation ''. Language such as this simply removes any incentive for a mortgage servicer to keep a borrower current in their monthly payments because to do so potentially cuts the servicer 's profit margin significantly. There are additional means for servicers to make additional profit in servicing securitized loans but this is the most basic means of profit after the relatively small monthly servicing fees that servicers contractually agree to as a rule. 
Even As I went on with my day, though, INITIALLY BANK OF AMERICA " BACWe were receiving reports that BAC ( BANKERS AUTOMATIC CLEARING SERVICES ) is sending out letters declaring that they are transferring loans from BAC of Bank of America, the parent company as of XXXX XXXX XXXX. name kept banging around in my head. I've learned, though on my own dealings with a now eight plus years battle against a fraudulent foreclosure initiated by then BANK OF AMERICA N.A.AS WELL AS n/k/a BOFA MERRILL LYNCH ASSET HOLDINGS INC , AND THE AGENT OF CT CORPORATION SELLING STOCKS AND BONDS that when something keeps flinging itself at the back of YOUR MIND it's usually looking for attention. Since XXXX unto this year at present XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax on XX/XX/19 because duplicate accounts were showing on my report. These accounts had been oopene with the US Department of Education and had been transferred to XXXX. Rather than showing as a transfer, Equifax showed these as separate loans. Some of these accounts were also not indicated as being closed even though a XXXX balance remained. One of these accounts showed as being deferred and having a balance of XXXX. The result was that my credit score was damaged and 44 points lower on Equifax compared to XXXX. The dispute was resolved according to Equifax on XX/XX/19 but only one account had been changed to closed. The dispute form stated I should contact the loan provider to have them correct the issue. XXXX shows the status of my loans correctly, meaning the issue lies with Equifax. I called Equifax on XX/XX/19 and had to provide their automated system my address, SSN, etc. I also had to provide the automated system information about the accounts I had open ( ex. mortgages ). After 10 minutes I was finally transferred to a customer service agent. This agent made me provide all this information again. He also stated that he had changed my dispute so the one loan showed as not being deferred. I checked the account and it had not been changed. When I brought this up to the agent, he proceeded to act like he could not hear me. At this point I had been on the line with him for over ten minutes without a single service issue. Nor have I had issues calling other people in the same location. This agent lied to me twice and did not solve the issue.
Product: Checking or savings account

On XX/XX/2021 I attempted to view my account information at XXXX XXXX. My wife passed away recently so they restricted my access to our joint accounts. First call 39 minutes and no resolution. Second call 39 minutes managed to open an account to transfer all funds to since the joint accounts are no longer valid. Third call 50 minutes and still they can not provide even view access. I tried to escalate up their management change and got ran in circles and put on long holds. The automated system to direct calls is maddening. Around in circles before a human can be reached. I finally got them to update beneficiaries properly as they did not even ask as I opened the account with them today over the phone ( due to lack of on line access to any information or functionality ). They still have not given me access and stated they will call me later today with an update. Virtually all day without system access. Big problem when your business model is self service on line.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  issues the Upgrade Visa card. This credit card reports only your amount balance owed, to the 3 credit bureaus, without also reporting your total credit limit. This results in your credit utilization being listed as 100 % usage for the Upgrade visa card which causes your overall credit score to drop. I attempted to rectify this issue with Upgrade visa customer service 4 months ago. I was told they do not function as a regular visa credit card since they are also a line of credit. This means they do not have to report your entire credit limit, to the credit bureaus, only the portion you have used the balance owed. I stated to them this policy is inaccurate and unfair and only succeeds in lowering your overall credit score. All financial lending products in my experience have always listed on your credit reports the amount you owe, as well as your credit available limit.
Product: Debt collection

Have n't heard anything from them to make payment arragements or anything.I would like to work out something to have it taken off my credit.
Product: Money transfer, virtual currency, or money service

I'm trying to pay off my balance on my credit card and I downloaded the app for the bank and every time I try to pay it off it says that my account is not allowed to have me pay through the app, so I go online to the website and I pull up my account then when I go to try to pay it it tells me that I'm not eligible for that service either. I've called the customer service and told them that I'm having a hard time paying it because of the way to computer is set up. I took the survey at the end of the session and indicated that I was not happy with how difficult it is to pay your balance on your credit card and it still is very very difficult to pay this balance off through electronic means.
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX Account No - XXXX 1. Past Due- {$900.00} 2. Last Payment XX/XX/XXXX 3. Account Verified XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights.

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a notice was delivered via certified mail to XXXX XXXX XXXX XXXX ) in XXXX IL. A conditional acceptance was sent to the CEO and no lawful response was given to this administrative process. XXXX violates XXXX Validation of debts, XXXX violates 812 Furnishing certain deceptive forms, XXXX violates 807 False or misleading representations. Avant HAS BEEN FURNISHING INACCURATE AND INCOMPLETE INFORMATION TO MY CONSUMER CREDIT REPORT FOR THE PAST FIVE ( 5 ) MONTHS. I AM DEMANDING THE REMOVAL OF ALL NEGATIVE INFORMATION REPORTED FOR THIS ACCOUNT, INCLUDING LATE PAYMENT CLAIM, ACCOUNT STATUS, AND ACCOUNT HISTORY TO CONSUMER CREDIT REPORT AS WELL AS THIS ACCOUNT CLOSED. I am aware that FCRA doesn't not require creditors to report negative information & such should not be disclosed to any non affiliated third party without consumers lawful consent.This is a violation of 15 USC 1681S-2 ( 7 ) ( E ). The information displayed is not Fair and equitable to consumer. I have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, the consumer holds the right to validate and verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out disputes to all three bureaus and I have yet to receive any response yet from XXXX, XXXX  or Transunion. This is my third time sending in a dispute and waiting for a response. All i ask is for all three bureaus to investigate and update my inaccurate information on my credit profile
Product: Debt collection

I told them This wasnt my debt, they told me it was mine debt because payments were supposed to have been made but then never gave me copies.
Product: Credit card or prepaid card

I received an unsolicited credit card from Capitol One during the week of XX/XX/2022. It was mailed to my home address. I called Capitol One on XX/XX/2022 to let them know that this was an unsolicited card and that I did not apply for it. I asked that the account be closed immediately. Rather than closing the account per my request, they sent it to " investigations '' and will not be closing the card until their investigation is complete, which could be up to 90 days. When I asked for a phone number or website where I could contact them about the status of the investigation, they stated there was no way for me to do that. Additionally, when I asked which credit reporting agency they used to check my credit, they also would not provide that information. It should be noted that I have a freeze on my credit at all three credit reporting agencies and have had the freeze for years. I've checked my credit reports at all three reporting agencies since receiving the unsolicited card and there is no evidence that Capitol One checked my credit prior to issuing the card. I would like Capitol One to IMMEDIATELY close this account as I did not request it nor did I apply for the card.
Product: Mortgage

I had to file bankruptcy XX/XX/2011 due to my partner stealing money from our company. That caused me to have to put my home into the bankruptcy as it was collateralize for a business loan.  On or about XX/XX/2015 , I hired the XXXX  XXXX XXXX  XXXX XXXX , XXXX , to represent me.  During the bankruptcy, we were able to talk to the bank ( TD Bank) and reaffirmed the loan and started a loan modification .  XXXX XXXX   office  assigned me a foreclosure attorney  XXXX XXXX, to help me .  I signed the loan modification XX/XX/2015 , under duress of a short notice to accept the bank offer for a loan modification. I was and in fear that i would lose my home.  I made the payments on the loan modification as agreed from XX/XX/2015 to XX/XX/2017 .  During the that time i paid the home insurance until XX/XX/2017, until we were told that the bank had paid it , in XX/XX/2017TD bank began returning my payments to me saying i was in foreclosure .  Upon investigation i found out that they accelerated my back due monies, that were suppose to be a balloon payment at the end of my loan modification, had sent me statements to pay thousands of dollars to avid foreclosure.  I called and documented every step telling them that they violated the loan modification and i was paying as agreed.  Every attempt to reach someone to discuss it was refused.  I then received a foreclosure notice XX/XX/2019 .  I have documented and attached everything.  I am have been subject to extreme stress and financial expense. The bank has violated may laws and our agreement and i need help.  I have hired additional attorneys and had to borrow money in fear of again losing my home to TD Bank.  I believe they purposefully defrauded me, mislead and confused me in order to falsely put me into bankruptcy to obtain my home.  I need help bringing them to justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Balance reported as XXXX starting on XXXX was the collection XXXX XXXX XXXX Balance reported as XXXX starting on XXXX was in collection XXXX XXXX  C Balance was reported as XXXX starting on XXXX RADIUS GLOBAL SOLUTION Balance was reported as XXXX starting on XXXX XXXX XXXX  XXXX Balance was reported as XXXX on XXXX XXXX XXXX balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX balance was reported as XXXX on XXXX RADIUS GLOBAL SOLUTION balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX XXXX XXXX C Balance was reported as XXXX on XXXX XXXX XXXXXXXX XXXX Balance was reported as XXXX on XXXX ACCOUNT NAME UNKNOWN Balance was XXXX as of XXXX XXXX XXXX  Balance was reported as XXXX as of XXXX XXXX XXXX Balance was XXXX as of XXXX XXXX XXXX Balance was XXXX as of XXXX XXXX XXXX Balance XXXX as of XXXX RADIUS GLOBAL SOLUTION Balance was reported as XXXX as of XXXX XXXX XXXX Balance was reported as XXXX as of XXXX XXXX XXXX Balance was reported as XXXX as of XXXX All of these accounts are listed as MEDICAL accounts at a time in which I had health insurance and I was told that the premiums for each visit would be covered. This information on my report needs to be reviewed because I do not feel that I should be held reliable for these charges. Thank you
Product: Credit reporting or other personal consumer reports

I have no association with these inquiries or the listed creditors. I request their immediate removal from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

As a young consumer, I opened my first credit card with, what would become Elan Financial Services, in XXXX. I did this to build my credit score and become a financially responsible adult. I utilized the card for many years without any issues. 

On XX/XX/XXXX, I learned my credit card with Elan Financial Services was closed after a decade with the company. When I called in, I spoke to three different people, the last was a manager named XXXX ( refused to provide last name ) employee id XXXX. I was informed that my relationship was ended due to inactivity, however I never received notification of any form that my card would be closed if not used, nor that it actually had been closed. Upon reviewing my credit report I learned that it was closed and had a drastic negative impact on my credit score.

Throughout my decade long relationship with Elan, I never had any payment issues or derogatory marks. I have never had any issues or negative marks from any other financial institution I have a relationship with either. When I asked why I wasnt informe
d, XXXX  simply told theyre not obligated to inform me, but they do inform clients sometimes, no reason was provided as to why I wasnt one of those lucky clients. I asked XXXX how Elan operates in the best interest of their clients, as a financial institution should, she told me they make the best business decisions and they dont tell their clients how they act in the best interest of their clients. 

Even if Elan did not want to maintain the relationship because they were not making money off it, I shouldve be informed so I could act accordingly. Elan severely deteriorated my credit score with this one move by closing my oldest line of credit, simply because I was not one of the lucky clients that they sometimes inform of impending closure. All clients should be treated equally and fairly by the financial institution that they entrust their financial health and wellbeing to.

Elan may have discriminated against me as a female minority, or simply because I was a young consumer when I started the relationship. Whatever the reason I was not one of the lucky clients that get informed, Elan willfully acted against me as their client and my financial health.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I submitted a ticket to Binance.US requesting deactivation of Two-Factor Authentication on my account. This was necessary because my phone was replaced suddenly and wiped by my employer which prevents my access to XXXX Authenticator. Binance.US responded initially same-day with an automated email requesting 1. a photo of the ID I used to register my account ( drivers license ) 2. a selfie of myself holding the drivers license 3. a video of myself holding the driver license saying : " Today is XX/XX/2021, I am requesting to reset my account XXXX for my Binance.US account associated with XXXX. '' This information was gathered and immediately sent to Binance.US support via email. I have heard nothing back from Binance.US. My additional emails to them only create new tickets with automated responses. Today is XX/XX/XXXX and while I haven't been waiting nearly as long as other people, reports of Binance.US abysmal support compels me to begin this process so I can regain access to the ~ $ XXXX held in my account on the Binance.US exchange. 

Original ticket # # XXXX
Product: Credit card or prepaid card

Hello, I closed a credit card over a year ago and paid off my remaining balance. Without my knowledge my creditor kept my account open and started charging me fees and eventually marked my card late on payment which decreased my credit score by more than 40 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXX-related debt XXXX, which qualifies as XXXX  under the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX and debt XXXX, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom opened a XXXX XXXX credit card back in XXXX of XXXX and added me as an authorized user and she passed away in XXXX. XXXX XXXX  put the credit card on my report and stated that it was a joint account. I have disputed this numerous times with them and asked for verification. They havent produced any and i can not get this off of my credit report. It shows as a charge off on my report and the account is closed. It states the responsibility is " individual '' I need help with having this removed from my account