23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I have a personal loan with OneMain Financial. 
OneMain Financial has been sending multiple emails and letters to me stating that due to my excellent payment history, I am pre-approved for up to a certain amount in additional loan and that it is a quick process that requires no phone calls or documentation. 
I have fallen for this false advertising twice with this company, once for a smaller amount that I was denied for earlier this year, and one that I was denied for last week but only found out today after calling the local office multiple times with no help. This advertising leads consumers into thinking that everything is already approved and that it is a quick process, only to find themselves negatively impacting their credit score for a loan application and getting denied because changes in income, etc. The business is taking advantage of consumers who are in need of money, if they weren't in need of money, they would not be applying for a loan, especially one with a high interest rate like OneMain offers. This kind of marketing needs to end. Consumers should have a crystal clear view of what a loan application process will be and what it requires as well as how it impacts credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir A review of my account history was information based on previously biased credit reports that states inaccurately the reason for a delinquency within my account. The bank reporting indicated that my mortgage payment was not paid, after the XXXX of my spouse. The account was enrolled in an automatic capacity at the time of her passing. The bank independently canceled these payment to my montage resulting in delinquencies. I argued that I had not been notified by the bank before taking the above action, which was created on XXXX 2015, and damaged my credit rating.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

GENTRY FIN XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

Formerly, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Nationstar Mortgage , LLC had one of their own employees execute an assignment of mortgage on XX/XX/2016 under the false pretense of being an employee of XXXX. Nationstar Mortgage , LLC employee XXXX executed a " Corporate Assignment of Mortgage '' and claims to be the " assistant secretary '' of XXXX XXXX is NOT an employee of XXXX and DOES NOT have the authority to execute a Corporate assignment of mortgage where XXXX is the assignor and Nationstar Mortgage , LLC is the assignee. There is NO corporate seal on this assignment and there is no President, Vice President or executive chief signature. There is no witness signature. Both XXXX and the notary XXXX have comitted fraud by the execution of this assignment of mortgage.
Product: Student loan

In XX/XX/2019, I called what I believed was FedLoans Servicing. I  wanted to apply for the teacher forgiveness program. I was connected to a man named XXXX in Florida. He told me that I would do better going for the public service program. He gave me the information and said he would put it through. I told him I really didn't understand what he was saying, but he kept assuring me that he knew this was better. He said that I would need to pay {$190.00} for the next three months to catch everything up, then my payment would be {$100.00} per month for the next 10 years. I am positive that he did not tell me that those charges were adminitrative fees because I would have said no. I gave him my banking information and they took the first two fees out on XX/XX/19 and XX/XX/19. After that, for whatever reason, the third payment did not go through, so they started to call for the last payment. It was on the verge of harrasing behavior, so I got concerned and started calling FedLoans. They said they did not initiate any repayment plan for me and that I probably got connected to a third party. FedLoans told me that they do not charge for these services and that I should file a complaint. So here it is. I further got concerned when I called them to find out what was going on, they never answered the phone with a company name, only a person.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX  XXXX Balance : {$27000.00} XXXX : XXXX XXXX XXXX Balance : {$27000.00} TransUnion : XXXX  XXXX  XXXX Balance : {$28000.00}
Product: Money transfer, virtual currency, or money service

My Coinbase account along with my XXXX and XXXX accounts were hacked. The same person is seem stole money from my XXXX, XXXX and Coinbase accounts on XX/XX/XXXX and XX/XX/XXXX. The XXXX and XXXX accounts were refunded as they could see the fraud. 
I have a XXXX Police Case that is being current investigated and XXXX and XXXX have refunded me the money but Coinbase is not helping at all and putting the onus on me. They have already closed 1 claim that I filed almost 2 weeks ago so I had to call back and have to open Coinbase case number XXXX in an attempt to get resolution. 
Every time I call them I have 2 to 3 hour calls that get routed to the XXXX with no resolution or anyone taking ownership of the issue. 

The email where all the crypto was transferred to was XXXX and this aligns with the {$900.00} that was stolen from my XXXX that XXXX refunded and the attempted {$9100.00} that XXXX prevented from being stolen from XXXX and then another {$110000.00} that was attempted to be stolen from my XXXX XXXX Account and the moneys were not transferred thanks to XXXX but the receiving account was to To : XXXX XXXX XXXX XXXX that is a XXXX XXXX XXXX. 

XXXX, XXXX and XXXX have assisted and refunded me but Coinbase, that advertises and states " The future of money '' and that they continue to say " We're the mot trusted place for people and businesses to buy, sell, and use crypto '' is falling far short of their promise to their customers especially since I identified the fraud and locked by account back on XX/XX/XXXX and it is XX/XX/XXXX with barely any follow up and the customer server Coinbase people closing my claiming and not investigation or attempting to get my money back. 

This loophole and their security practices need to change to avoid other consumers like myself from being hacked and my hard earned money and crypto easily transferred to nefarious criminals without proper 2 factor or safe guards in place to prevent from this happening. 

I am copying the .csv XXXX that is fraudulent and the ones I am contesting pasted below so please copy and paste into XXXX and hopefully them will format cleanly from Coinbase XXXX 

I request your assistance with this issue and would appreciate any help in retrieving all of the money stolen from my Coinbase account. 

ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( inclusive of fees and/or spread ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I made a purchase for    XXXX   XXXX    concert tickets online with   XXXX   XXXX    fo r  XXXX  back in   XX/XX/XXXX  on my  chase debit card. Chase closed my account in   XX/XX/XXXX .    XXXX   XXXX   notified me on   XX/XX/XXXX  by e mail that the concert was canceled and a refund was issued of  XXXX  to the card it card charged on. I called chase bank about this on   XX/XX/XXXX  and  XX/XX/XXXX  and they  act like they have not received those funds I have proof from   XXXX   XXXX   of the return transaction so why have n't chase cut me a check or return the refund to vivid seats. Chase bank is a fraud they held on to ov  er 5,000 of my m on ey for three weeks when they canceled my account  in  XX/XX/XXXX  talking  about suspicious activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card from XXXX XXXX on XX/XX/2019, Reference number XXXX. 
I received a letter dated XX/XX/2019 from Bank of America stating that my application has been denied for reasons such as no having enough credit references, etc. 
They provide a phone number that I can get a free report. I call the number but after entering my information it says I do not have a recent denial of credit. 
I have an excellent credit and my credit score is about as high as it can be. This is not the first time I am applying for XXXX XXXX credit card and be denied while having excellent credit. 

I called the Bank of America located at the address of this letter : XXXX XXXX XXXX XXXX, XXXX, NC XXXX but their system does not allow me to talk to a human. Also I called the credit agency XX/XX/XXXX at XXXX and they do not give me any option to report this issue. 
I need help. 

Thanks
Product: Credit card or prepaid card

I'm working with a XXXX XXXX XXXX and they know about it before this account was place in collections, I enrolled in Debt solutions program, and I informed this company about my situation. So now this is impacting my credit or what is left of my credit I'm going to hardship time and this company din 'd work with me.
Product: Money transfer, virtual currency, or money service

XXXX Wire Transfer performed on XX/XX/2022 in the amount of {$10000.00} XXXX Wire Transfer cancelled on XX/XX/2022 due to Availability date of XX/XX/2022 and my presence required at the Branch due to problems with Wire. Cancellation requested on XX/XX/2022 at the Branch and on XX/XX/2022 written confirmation received and funds returned to my XXXX Account. 
On the month of XXXX of 2022 discovered my Savings Account was debited for the same amount that the XXXX XXXX funds were refunded on XX/XX/2022. 
Went again to the Branch and was told by the Personal Banker that Wire Department explained they were confused with the Cancellation request and placed the funds on Hold. 
Later the Branch Manager informed me that the Wire Department said the Wire was resent on XX/XX/2022, another surprise since I was not notified, nor I requested Wire to be resent. 
Since then, it has been a back and forth from the bank Wire Department and the Personal Banker, and then the Branch Manager, till case was supposedly forwarded to their Legal Department for more investigation. 
I have received XXXX letters from the XXXX Bank XXXX XXXX XXXX XXXX, indicating they have received from the XXXX XXXX on XX/XX/2022 the information that resent Wire Funds were deposited on the specific date of XX/XX/2022 for the specific amount in the XXXX  's country currency along with a Reference Number. 
But also received another letter from the Originating Bank Wire Department dated XX/XX/2022 indicating they have tried on XXXX different occasions the XXXX Bank without any response received, but if beneficiary still claims not receiving the funds, to please contact them again for further assistance. 
XXXX Bank claims never have received communication from the originating Bank and they are willing to cooperate with any investigation. 
Originating Bank is not accepting evidence presented by XXXX Bank proving 2nd Wire ( resent Wire ) was never deposited into the XXXX Bank Account. 
As part of the XXXX Bank investigation, provided emails from the Remittance Department, as well as information that no money from the originating Bank has been received nor deposited into the Beneficiarys account, also presented Detailed Bank Statements, Receipts from other Bank showing and matching the big deposits on beneficiarys account were from another Bank institution, plus XXXX Bank provided copy of first Remittance from XX/XX/2022 received, that was rejected due to name mismatch and returned to originating bank on XX/XX/2022. 
Please see detailed attached History plus several evidences attached. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo ( my bank for Checking, Savings, Business, Credit Cards ) has dropped my XXXX Score by XXXX points. My XXXX  Score went from XXXX to XXXX. My XXXX Score with XXXX XXXX  is XXXX. My accounts are up to date with every creditor. I am never late nor do I ever pay interest charges because I pay my monthly accounts in full before the due date. Well Fargo needs to sustain my score. I do not deserve some clown behind the curtain deciding to penalize me. And for what reason?
Product: Debt collection

VALIDATION AND CEASE AND DESIST Kohn Law Firm XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Reference Number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Kohn Law Firm S.C. , I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying for several months to get the following information corrected that is inaccurate : Account opened XX/XX/XXXX & closed XX/XX/XXXX, shows XXXXwo late payments that fall under the Cares Act and shouldn't be reporting late. This account is also reporting as being included in a bankruptcy when it wasn't. 
Account opened XX/XX/XXXX, is showing a balance and open when it has been paid off in full since XX/XX/XXXX. 

The local store won't work with me and continues to tell me there is nothing they can do. The Credit Bureaus keep reporting the disputed inaccuracies as verified, when the information is clearly not accurate. I'm at the point of launching a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used Experian to get a credit check to rent an apartment. The site is structured so that its very easy to accidentally enrol for membership it calms it costs {$1.00} for a credit check. But what you don't see is at the very bottom it will automatically enrol you in there horrible program that will charge you {$21.00} Every month to be spammed by them. I tried to cancel online but you can't. I tried calling the help line but the first prompt is for you to put in your SS number, not your account number but your SS number. I don't feel comfortable doing this. So I don't know how to cancel it. This practice of forcing membership by making it impossible to cancel should be made illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inaccuracies on my credit report. Including closed accounts reporting that I was delinquent in payment and others saying that I owe them money from years ago. 

I also have some hard inquiries on my credit report that I did not authorize as well : - XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX XXXX = Inquired on XX/XX/XXXX - XXXXXXXX XXXX XXXX - Inquired on XX/XX/XXXX - XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX = Inquired on XX/XX/XXXX I don't know what the heck is going on. I have no knowledge of these accounts, someone must have opened them using by falsifying my identity. 

I've called and tried to resolve the issue but I have had no luck.
Product: Vehicle loan or lease

This, car was not working correctly since I got it from the lot. I took it in a few times for service and the engine light was always on. I had to return the car back due to all the trouble it was giving me and I was paying more out of pocket to have a mechanic fix it. The car was returned and I am still getting billed for it.