23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When I fell behind in the mortgage I was told there wasn't anything I could do due to the mortgage was in my deceased husbands name and the deed was in my name. A finally talked to someone and they suggested I could assume the assume but that I would have to pay the entire back money. I gave up. Once it went into foreclosure status I was told that it qualified for a modification and the arrears would go on the back of the loan. I sent financial packets in and every time, they stated I was missing something ( pages 9-15, out of 15 pages plus attachments. The last packet I added my daughte, being a financial responsible individual in the house and the person taking responsibility for the house. Again they said you didnt have a pay stub and its within the 37 days and the sald is scheduled. The original packet was in on time and it was denied lacking a pay stub. The house sold at sheriff sale and Pennsylvania doesn't have a redemption period. I reviewed my statement sent via email. The home was purchased in 2001 for {$60000.00}. They show I owe {$58000.00} in principle and a total of {$100000.00}. I called XX/XX/XXXX to ask for a last minute miracle and the representative stated if I called XXXX, they could have modified the loan advising I needed XXXX hours. It was Friday the sale was Tuesday and this contridicts the 37 day rule. I am hoping that some miracle and since the bank bought it back I can reinstate the mortgage with assistance. The house needs to be signed over to my daughter, it is the last personal thing she has from her father.
Product: Credit card

There was XXXX unauthorized transactions that occurred through my Cash App account on XX/XX/year>, while I was en route from XXXX  to XXXX. My flight departed from XXXX  at XXXX XXXX, precluding me from initiating these transactions. Furthermore, I did not authorize or grant permission to any individual to perform these actions on my behalf. Cash App erroneously denied these transactions, asserting that I had authorized them, but I was in a different state at the time of the alleged transactions. My card had already been reported lost and stolen, and a replacement had been issued by Cash App. 

I have presented substantial evidence to Cash app demonstrating my absence from XXXX  during the XXXX transactions in question so using a card myself was not possible. This is my fourth attempt to resolve these disputes, as Cash App has consistently denied my requests for refunds or voided them. Given the clear facts and proof that I did not initiate these transactions or grant authorization to anyone else to do so, Cash Apps negligence and disregard for my account have allowed unauthorized funds to be withdrawn. Consequently, I filed a police report on XX/XX/year>, for all XXXX transactions that occurred on XX/XX/year>, and also submitted a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, against Cash App, with the complaint assigned XXXX XXXXXXXX. I have also filed a complaint against Cash App with the Consumer Financial Protection Bureau ( CFPB ). 

I fail to comprehend the misunderstanding that Cash app customer service has demented during thi. I did not authorize these transactions, nor did I grant permission or authorize someone to use my credentials on my behalf. The denial is erroneous, and I will persist in filing disputes until these fraudulent charges are either voided or refunded.
Product: Money transfer, virtual currency, or money service

I received a fraud text from what seemed to be from Wells Fargo asking if I recognized a wire asking me to reply Yes/No/Maybe. I replied no then immediately received a call from this number. They directed me to my Wells Fargo online banking account had me wire {$18000.00} ( two separate transactions ) but the recipient was me ( XXXX XXXX ) but to a XXXX  account ( I don't have XXXX  ). I immediately went to my nearest Wells Fargo branch and they attempted to recall the funds from XXXX. Seven days later, Wells Fargo said the recall was unsuccessful.
Product: Money transfer, virtual currency, or money service

There are two issues with regard to my complaint about Coinbase Inc. based in XXXX XXXX, CA.
First, not exercising due deligence as promised by the company to protect the financial well being of the customers. This includes locking my account, and not being responsive to my numerous voicemail and email requests to resolve the issue. As a result, this has inhibited me from taking adequate action to protect my financial situation against recent too volatile digital currencies movement.
Second, not depositing or otherwise rejecting the fund I transferred from my XXXX XXXX XXXX account to my US dollar wallet account which is stored on coinbase platform ( {$8000.00} ).
The story : I opened a coinbase account and slowly started buying digital currencies ( BTC, ETH and LTC ) using my checking account and credit card. I excecised extreme caution in my new venture. On XX/XX/XXXX, I transferred {$8000.00} from my XXXX XXXX XXXX account to coinbase account at XXXX XXXX XXXX. The fund was supposed to be available in my US dollar wallet at cointbase account within 3 days. The XXXX XXXX XXXX  even confirmed that XXXX XXXX XXXX  received money on XXXX XXXX, 2017, but as of now (XX/XX/XXXX ) they have neither rejected nor deposited the fund. I contacted their bank but it did not avail me. As I mentioned, they lack a responsive customer support line.
Most importantly is the incidence that occurred on Friday, XXXX XXXX, 2017. I  made an attempt to sign up to XXXX XXXX, which is part of Coinbase Inc and is maintained by them. I used a different password than that used for my main coinbase account. I also used XXXX Authenticator required by Coinbase Inc as part of the sign-up process. I never scynronized my XXXX account with my wallets at Coinbase Inc. Within 2 minutes after my sign-up, I decided to log in to my main coinbase account, only to find that I could n't log in. I checked my email and found a notification from Coinbase that my password had been changed. Having thought that my account might have been compromised, I requested that my account be disabled by clicking on the safe link they had provided in the email. I also sent them an email to report the incidence. They got back to me the following day asking for the reason for my request!, and informing that my account would remain disabled until I confirm my password, email, and 2-factor security codes are secured. I have sent them numerous emails, and left them voicemails at their number at XXXX, but no responses yet. My account excluding the above {$8000.00} is worth around {$25000.00}.
This incidence may simply have been caused by my main coinbase account password being replaced by my XXXX sign-up password, a situation that I should have been warned upon XXXX  registration.
Product: Credit card

I have had a long history with what is now Capitol One Credit Cards and it has been completely unblemished. I have been asking for an account upgrade to XXXX without an annual fee and although I have been told that I would soon be getting an upgrade offer I have yet to receive XXXX in 4 years. I have always paid more than the minimum have usually carried a balance and the rest of the credit report is great. My financial status has improved greatly since I first opened the account in XX/XX/XXXX with XXXX and since Capitol One took it over in XX/XX/XXXX it has still improved. After many calls to the company for the upgrade to eliminate my annual fee I was told that I had to wait for the fee to be assessed. I did indeed call after the fee was assessed and still had to talk to XXXX people to get it done. I opened this credit card 9 years ago to establish good credit in my name and was told that this was the way to start and that the annual fee would eventually be dropped as I showed my worthiness over the years. I had no control of Capitol One buying the company, but still I have done more than show my worthiness to have my account upgraded to XXXX without an annual fee without having to close this account and starting a new XXXX.
Product: Credit card or prepaid card

I try and use my chase credit card and it was declined for unknown reason so I called chase bank and see what going on and they said that my account was closed for not having enough credit history on my XXXX report which is false and I explain to chase that I missing at least three credit cards of that report and Ive been a long time chase credit card holder for 15 months with no late payments history and no disputes and I made my payments on time and most of them are larger amounts and all sudden this chase account XXXX was closed and chase wouldnt reopen it back up and my credit is in jeopardy right  now and I might end losing relationships with other banks due to my credit score is gon na drop if chase reported my account to the credit bureaus
Product: Credit card

XX/XX/XXXX Attn : Citibank Lending Services I requested a credit line increase for my account ending in XXXX and in a letter dated XX/XX/XXXX, I got notified that I was denied this request. Regardless of the reason for being denied, I have the right to credit, and denying me access to my credit is discrimination. Withholding my access to my securities is security fraud. You are violating the Federal Equal Credit Opportunity Act and Consumer Protection Credit Act. 

I have tried for days to look for an email address or mailing address to send this complaint to with Citibank. I contacted their customer service and they told me, if you were declined a credit increase, we would not have any access to help you by phone, in email, in writing, or in person. So, Citibank cant help with this? Thats why I am coming directly to the CFPB. 

Let me remind everyone involved of Citibanks lawsuit last Fall for discrimination. Obviously, this is a recurrent theme with Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I've have requested that Experian delete XXXX XXXX from the consumer file concerning me 2 times ( XX/XX/2022 and XX/XX/2022 ) and requested full 609 disclosure of my consumer file each time. Experian in is violation of the Fair Credit Reporting Act. I provided them with a copy of my ID and a utility bill and they have ignored me twice. I even notified Experian through their registered agent in New Jersey, so they can not say they did not receive my request and dispute. 
2. Experian has never responded to my dispute letters or even noted this account as being disputed. 
3. Experian was supposed to send me the full 609 disclosure of everything in my consumer file within 15 days of my 609 request and they have failed or refused to do it. I requested written copies. 
4. XXXX XXXX is not even a legal entity in Nevada or New Jersey. I have submitted proof of this with my dispute letters and Experian still refuses to delete this inaccurate in tradeline from my consumer file and consumer reports. I am including the same proof with this complaint. 

Failure of an entity to be registered to do business in my state or the state they are supposedly organized in is a violation of my rights and prevents me from being able to bring suit against them. I am being damaged by Experian allowing this inaccurate account that is not 100 % accurate to be in my consumer file or my consumer reports. Experian is required by law to ensure maximum possible accuracy which is 100 %.
Product: Vehicle loan or lease

The computer generated system is flawed and does not factor in willing and ability to pay. 
As the rest of the world everyone is going through financial hardship as rates and prices and daily living continue to rise. It needs to be factored in that everyone is experiencing this trouble we need a closer look at how banks are continuing to profit making large dollars amounts on interest rates, overdraft fees and other hidden fees that are that is making it hard for every day Americans to get ahead and at least save a little bit. We all need help while big banks continue to profit off of us.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an account that was sold from the original creditor. My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these item Deleted from my credit reports effective immediately. 

Original Creditor : XXXXXXXX XXXX XXXX New Creditor : XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Date Sold : XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit report. Specifically, under Section 623 of the FCRA, the original creditor is responsible for the accuracy of the information reported to the credit bureaus. Once an account is sold, the original creditor is no longer responsible for updating or maintaining the information regarding the account. Consequently, the reporting of this account by the original creditor is inaccurate and should be removed. 
Furthermore, if a creditor sold my collections or charge-off information without my knowledge or consent, I have the right to dispute this under the FCRA. Refer to Section 623 for the responsibilities of information furnishers and Section 611 for the dispute procedure. These sections ensure the accuracy of my credit report and my right to challenge inaccuracies. Please investigate and verify the accuracy of this information. 
Additionally, the new creditor is required to verify the accuracy of any information they report. I have requested an investigation for them to send verified documented information reported by both original creditor and new creditor. Please conduct a thorough review and provide resolution within the XXXX period mandated by the FCRA. 
Enclosed, you will find copies supporting documentation, including a letter from the original creditor stating the closure and charge-off of the account and transfer of the account, proving that the account was sold to a new creditor, and the current owner has closed the account as of [ Date ]. Please update my credit report accordingly to reflect this change and remove any inaccuracies. 
I appreciate your prompt attention to this matter and look forward to your response confirming the removal of the incorrect information. Should you require any additional information, please contact me at the phone number or email address provided above. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the assistance of the Consumer Financial Protection Bureau with the issue that I am facing. For the past couple of months, dozens of inquiries have been added to my credit report that I have NOT authorized. A scam company called " XXXX XXXX XXXX XXXX '' has been using my personal information and sending it out to several outside sources to pull my credit. I have not signed any documents or applications to cause more than 100 inquiries to be made on my Experian report. They initially sold me on the promise of helping me start a business but nothing ever became of that. I requested a Cease and Desist months ago and contacted them again this past XX/XX/XXXX but that has not stopped them from sending my information out and causing more unauthorized inquiries to be made on my credit. The person who was in charge of my account at XXXX XXXX XXXX was called XXXX XXXX. I am including a copy of the email I sent to his company requesting a Cease and Desist. I  have discovered that they are still causing more inquiries to be made with other companies I have not requested to work with. I am considering taking them to court and suing them but I also need Experian to delete ALL unauthorized inquiries. I also will need a fraud alert to be added to my credit as my information has been compromised by this scam company.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent XXXX dispute letters to Equifax, XXXX and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit card

XXXX made a purchase on XX/XX/XXXX online order # XXXX from XXXX using my card from XXXX - XXXX sacks- XXXX I received a confirmation order date XX/XX/XXXX XXXX received a second email after few day showing that product was delivered on XX/XX/XXXX ( 2 days after I ordered ) and a XXXX tracking XXXX XXXX because I didnt receive the product I have to check XXXX website and add this tracking numb which per tracking history showed Label Created XX/XX/XXXX XXXX AM - XXXX first I made the purchase in XX/XX/XXXX how come the created the label two days prior! How did they know that I wanted to order? Second the picture attached in the tracking on XXXX and proof of delivery didnt match our townhomes exterior which u can goodbye and it s obvious not the same as the picture third I called XXXX to check if my address was the final destination of this tracking and they confirmed that my address is not on this delivery - XXXX I emailed the merchant in XXXX to request a proper tracking cause the one provided is not right and because Goldman sacks has rejected all the proof I provided and said merchant provided tracking they ignored all proof of scam - so merchant response : XXXX, XXXX you for contacting us back. 
We would like to inform you that we've not received the tracking list yet from the courier company that is why we've not provided it to you. As we've shipped the bunch of orders this time that is why it is taking some time to prepare a tracking list by the courier company. 
Please do not worry, your order is on its way to you. 
Thank you so much for your patience and understanding. 

And I re opened the claim again and gave Goldman sack all evidence of scam- they again after few weeks responded : Your Apple Card transaction dispute investigation is complete and the merchant charge ( s ) will remain on your account.

Goldman Sachs Bank USA has re-investigated your transaction dispute and found that no billing error occurred for the following reason : We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim Dispute case number : XXXX Transaction date : XXXX XXXX, XXXX Merchant name : SP My Disputed amount : {$59.00} Amount to be rebilled : {$59.00}
Product: Debt collection

I am writing to formally dispute a fraudulent debt listed on my credit report, which has been reported by XXXX XXXX XXXX. I only became aware of this issue upon reviewing my credit report, as I did not receive any prior documentation from XXXX XXXX XXXX indicating that they intended to collect on this debt. 

It is my understanding that I should have been provided with initial information regarding the debt, including the opportunity to dispute its validity before it was reported to credit agencies. This lack of communication constitutes a violation of my rights. 

Should this matter escalate to legal proceedings, I would like to ensure that I have the necessary documentation prepared to address these violations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XX/XX/year> Experian Credit Agency XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I recently received a copy of my Experian Credit Report and I noticed that late payments from XXXX is still posted on my report : XXXX ACCOUNT # XXXX, Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this XXXX ACCOUNT # XXXX from my consumer report. This agency is in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character. 2. Negligent Enablement of Identity Fraud. 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . This agency has violated the laws and is the only agency reporting this account. Experian is not providing accuracy. Under 15 USC 1681 Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. All three Credit Agencies are to provide the same information on my credit report. DELETE THIS XXXX ACCOUNT # XXXX. Best Regards, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I am a mother of 4. During a hard time, I took out an {$8400.00} loan from Personify Financial on XX/XX/XXXX. The original interest rate is 78.69 %. 36 month term. I have paid to date {$8500.00}. Only {$1500.00} of those payments have gone to the principal balance. The other {$7000.00} have gone to interest. I am on an automatic payment plan bi-weekly. {$260.00} comes directly out of my bank account every 2 weeks. I have never been late on a payment to this company. They offer a 3 % interest rate reduction for every 13 payments. My interest rate is currently 71 %. This is a predatory loan. This is unethical. This company is charging exceptionally high interest rates. I have paid OVER the amount that I asked for. At this point, I am throwing money out the window. I can not afford this any longer. I have called numerous times demanding supervisors, and nothing has been accomplished. I offered them {$500.00} more to close out my loan. Which would put me over {$9000.00} out of pocket when I only financed {$8400.00}. IF I pay this loan until the maturity date which is XX/XX/XXXX, I will have paid them OVER {$20000.00} for a {$8400.00} loan. This is absolutely 100 % predatory.
Product: Credit card or prepaid card

I havent received or accrued any cash back in 3 months and two weeks. I have called and emailed multiple times with no resolve. They confirmed last time I accrued cash back was XX/XX/23