23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am trying to pay my lawyer his {$150.00}. I opened a checking account with Discover and they do not let me use XXXX for 90 day lawyer uses XXXX XXXX too. The app said Discover declined and to call them. I did and they said nothing was wrong on their end. Tried again, declined. Called back and the rep told me not to yell at her and I was not. XXXX up and called someone else who finally told me Discover doesn't allow XXXX XXXX anymore because of their security update and to find another way to pay.
Product: Bank account or service

I recieved a payment from a client through credit card company ( XXXX ) through XXXX, then went to bank to get money from my account and was told my account is on a hold. I went to my bank branch to ask the reason and they said they could n't verify the creditor and I should wait. I waited for a month and I realized my account has been frozen. I went back to my bank branch and they told me my account is under investigation by the fraud department. I asked again what was the reason and they said they have n't verified the creditor from thier back end. I have been waiting since then and I do n't know what to do.At the moment I 'm living off crumbs and loans from friends and family. Pls advise me on what next action to take.
Product: Credit card or prepaid card

The prepaid card claims to be able to link to PayPal and be able to use funds online. However, it does not allow that to happen without having to submit for a second prepaid card with separate fees and charges. This is false advertising and I demand a refund.
Product: Debt collection

I am filing this complaint against IC System for reporting XXXX accounts on my credit report without properly validating the debt, as required by federal law. 

On XX/XX/XXXX, I sent IC System a formal debt validation request under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I asked for full documentation proving the debt, including the original contract and a breakdown of the alleged balance. 

IC System never responded. More than 30 days have passed, and they have failed to provide any validation or evidence that I owe the debt. Despite this, they are still reporting the accounts to the credit bureaus ( XXXX XXXX XXXX XXXX ), which is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

The accounts they are reporting are : IC SYSTEM Opened XX/XX/XXXX {$96.00} IC SYSTEM Opened XX/XX/XXXX {$260.00} Because IC System did not respond within the legal timeframe, these accounts are unverified, unvalidated, and must be deleted. I also sent a follow-up notice on XX/XX/XXXX, demanding deletion based on their failure to comply. 

Im requesting that the CFPB investigate IC Systems failure to validate this debt and require them to remove the accounts from my credit reports immediately. Im also seeking enforcement of the FDCPA and FCRA protections to stop them from reporting inaccurate and unverifiable information.
Product: Mortgage

I entered into a temporary loan modification agreement with Carrington Mortgage. I received the final Loan Modification Agreement dated XX/XX/2020. They gave me until XX/XX/2020 to have the documents executed and returned to them. In the documents a balloon payments of {$40000.00} was indicated in agreement. However, the a balloon payment breakdown was not included. 

Two weeks to have the documents reviewed by legal aid was not adequate considering COVID-19 closures and face-to-face restrictions. My state of residence, XXXX XXXX, has been on a stay at home order since XX/XX/2020. Governor XXXX just recently moved the State to Phase 2.5. 

https : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested a breakdown of the balloon payment but have yet to receive one. I spoke with a representative from Carrington Mortgage on XX/XX/2020, however, I was informed that my property was in fact in foreclosure, again, and I would have to reapply for a loan modification. I was not informed by Carrington that my loan would be put back in foreclosure when I reached out for the balloon payment breakdown. 

I have paid my mortgage payments are required during the temporary period but Carrington Mortgage is reporting my mortgage as paid as late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I had {$1000.00} of Bitcoin stolen out of my coinbase account. 


I received a text saying my password was changed the morning of Sunday, XX/XX/XXXX. I did not get an email, strangely. 
When I went to sign in, my password and e-mail no longer worked, and I couldn't reset my password either. 
I called Coinbase who finally froze my account, but it was too late and my funds were stolen. Coinbase alleged that the hacker had my e-mail, my phone, AND MY XXXX AUTHENTICATOR CODES, which is the highest form of security they offer. 

However, When logged into my gmail and looked at logged-in accounts. There were no unfamiliar IPs that logged into my account. 
XXXX looked up my SIM and informed me that I have no been the victim of a sim-swap. 
And, of course, my XXXX Authenticator is on my phone and was in my pocket. 

They dismissed my case and told me I had given hackers all of my personal information. This is an impossibility considering the layers of protection.
Product: Credit reporting or other personal consumer reports

Dear XXXX, This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ). 
Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name Is XXXX XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

After viewing my Consumer Reports, I've noticed some inconsistencies. Consumer Reporting Agencies play a crucial role in accuracy reporting consumer information. According to 15 US Code 1681e, it is imperative that the information being reported is of the utmost accuracy. XXXX XXXX shows a loan start date of XX/XX/year>. However, I have NOT applied or signed loan documents directly with this company. They are also showing inconsistent last payment time periods across the XXXX credit bureaus which is inaccurate. XXXX shows 30 days late. I have a loan with XXXX XXXX that started on XX/XX/year>. However, the amounts owed are different from XXXX XXXX on all XXXX bureaus, which is another inaccuracy. I have Exceptional payment history, and these inconsistencies were made without my knowledge and consent, and I request that the account and late payments be removed upon immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX XXXX, Equifax and XXXX   credit bureau reports and I have confirmed there are multiple credit inquiries that are were in fact NOT authorized by me. I attest and affirm that I did not authorize these inquiries and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I requested all three credit bureaus investigate the inquiries to determine who requested each inquiry. Furthermore, I included a copy of a XXXX XXXX, Maryland Police Report which indicates that my identity has been breached. It is my belief that the persons responsible for applying for credit with my information are responsible for that breach. 

I sent my complaint to all three credit bureaus Certified Mail Return Receipt and did not receive anything from any of the credit bureaus. No responses at all. 

THE FOLLOWING COMPANIES HAVE PLACED INQUIRIES ON MY CREDIT BUREAU REPORT : XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX MAIL ONLY XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX/XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DE XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX   XXXX  XXXX XXXX OH XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX THE FOLLOWING COMPANIES DID NOT PROVIDE CONTACT INFORMATION ON MY CREDIT BUREAU REPORTS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-XXXX
Product: Checking or savings account

I did a mobile check deposit on XXXX XXXX and my acct says there could be a hold of 4 days on mobile check deposits. Well for some reason capital one wants to hold my funds for 7 days not even releasing the first {$200.00} or even a dime of it to me at all before then and I'm stranded in Hawaii with no ID no access to my credit cards or anyway to otherwise cash a check or even pickup money from family thru other means. 
I called the bank that the deposited check was drawn on ( XXXX ) they said the check is good nothing is wrong no stop pays no holds and they even released the funds to Capital One already ... .so why if they have my money do I still have to wait to access it ... .makes no sense at all! The funds are there and there is nomlk ger any " risk '' involved. 
I'm stranded and need to be able to access my money and need it ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, first of all I want to thank you for following up on my previous complaint. I very much appreciate that a bureau like your exists and are here to help us! 

My complaint isn't of the gravest sort, rather an annoyance : the last months ( about half year ) my mail box have been FILLED to the brim with credit card commercials, pre approved cards ( actual plastic cards ) and fake advertisement where the banks write things like " URGENT RESPONSE NEEDED '' etc, and I just after having wanted a lot of tie reading through everything start realizing it's just fake ads and not anything dire or urgent at all. The main issue with all this ( apart from being incredibly rude, annoying, bad for the environment and the whole feeling of these money grabbing half criminals trying to trick me and everyone else into signing up for cards that we will loose on and they will get our money from ) is that they fill up my mail box so I can't receive other normal mail like my bills. I travel a lot and sometimes when I come back, I literally find my bills and postcards and packages underneath the mail box, because my mail box is so full of these fake ( and what i assume are pre approved real ones even! It's horrendous ) credit cards. 

I have previously had a long battle with XXXX XXXX about this, where they kept bombarding me even though I wasn't and never had been a customer of them and I kept calling to complain and ask them to stop. After I contacted CFPB they FINALLY have stopped now, it's so awesome to go to the mail box now - but only for a short while. because now two new companies have started : XXXX and XXXX. I have already submitted a complaint about one of them and will compete another on the other after this complaint. 

You see, I have found out that I need to go to the source of the problem : the credit companies, XXXX XXXX and XXXX. As far as I understand, it is THESE three companies that share ( or sell??? I wouldn't be surprised if they actually earn money on doing this.. ) my information WITHOUT my consent. So, today I am reporting all three of them, to hopefully have this harassment ( yes, that's what i will call it ) come to a final end. 

Again, thank you so much for taking the time to look into this, I really appreciate it so much! 
( Also : a tip about how these issues could be solved : In XXXX, where I grew up, we have an official sticker from the government that we can stick to our mail box where it says that they are not allowed to leave commercial in our mailbox. It is respected and everyone follows that rule in XXXX, so if you don't want offers, you won't get them. Pretty much everyone in XXXX has those stickers on their mailboxes, because who would want to be harassed like his?! Works like a charm! I wish there was something like that here too.. ) Have a wonderful day! All my best
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year>XXXX  Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Please delete the following accounts. XXXX XXXXXXXX XXXX bal. {$47000.00}, XXXX XXXXXXXX XXXX bal. {$2900.00}, XXXX XXXX XXXX bal. {$0.00}, XXXX  bal. {$0.00}, XXXX XXXX XXXX  XXXX {$0.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$2800.00}, XXXX  XXXX XXXX {$48000.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$670.00}, XXXX XXXX XXXX $ XXXX bal. $ XXXX XXXX XXXX. $ XXXX bal. $ XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  bal. {$780.00} XXXXXXXX XXXX bal. {$930.00} HARD INQUIRES CONSIST OF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from FTC report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

letters was sent in XX/XX/2023 to LJ ROSS ( Original Creditor : 10 XXXX XXXX XXXX XXXX XXXX XXXX ) to verify purchase agreement/debt no proof of purchase has been verified.
Product: Mortgage

I recently applied for a car loan, when applying they found that Mortage payment has been late for the past two years, when I contacted the Mortagage they informed me I missed a payment in XXXX of 2017 but I made a double payment in XXXX to catch up..but even if that's true why am I being reported for being late on the payments for two years? The Mortage company also has my payment on the credit report being {$1300.00} and my actual pay XXXX..my Mortage was bought by this company about the same time all of this started to happening, I've been paying {$1.00} for the past year thinking im paying extra when they are reporting that I'm short every month.I was paying threw their automated system before I started paying threw my bank bill pay account and I have all of the payments I've made for the past year
Product: Credit card

Someone used my funds off my card I am not sure how but the only thing I did was get a cash advance. There is all types of tech out here these days who knows how these graduates do what they do.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem I have with the credit bureau stating I dont have a security freeze, but when I apply for any account it get declined. The creditors stating I have a security freeze which I dont per the credit bureau.
Product: Credit reporting

Transunion is incorrectly reporting a loan account as open with a balance despite being contacted by both me and the creditor, XXXX XXXX XXXX XXXX, and notified that the account is paid and closed. 

I 'm attaching the most recent letter from the creditor that the account is paid and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company isnt complying with its own Policy in a timely manner, they've had more 30days to respond, i sent out a letter on XX/XX/2021, and im requesting all items involved be permanently deleted from my consumer report
Product: Credit card

I have been trying to resolve an American express fraud case since XXXX. I am hearing impaired and can`t hear the people that don`t speak my same language. I was told by an American express supervisor to ask for XXXX supervisor but they keep giving me someone I can`t understand even though I am XXXX and did what I was told to do. I keep getting rebilled for unauthorized charges and now they sent me a letter saying they can`t find the charge for XXXX.see attachments. It is clearly stall tactics so you will give up.I have tried repeatedly. some customer service reps say the fraud claim was not even filed yet I have letters from the fraud deptXXXX was supposedly blocked from billing me yet there it is XXXX/XXXX/XXXX. how do I know it isn`t an XXXX employee or American express employee frauding this card? it should not be this difficult to rsolve. I contacted the fraud dept via fax XXXX/XXXX/XXXX as I was told to do by XXXX an employee in the fraud dept. still no response
Product: Mortgage

We emailed to Dovenmuehle Mortgage Servicing an application for mortgage assistance to complete a short sale onXX/XX/XXXX. The emailed included paystubs for 30 days, bank statement for 3 months, hardship letter, XX/XX/XXXX tax returns, purchase agreement, listing agreement and estimated HUD 1. I called to make sure the documents were received and I was told I had to wait 5 days for review. I called again 5 days later and I was given a list of more documents to submit and I was also told the Borrower needed to explain deposits on Bank statements, at this point I was told the short sale workout would not be opened until all the documents were returned. I submitted more documents on XX/XX/XXXX and XX/XX/XXXX. I submitted 2nd year tax returns, more bank statements, more paystubs then 3 days later I receive  another call telling me I need other explanation letters, lease agreements from non-occupying borrower, more bank statements from a savings accounts and more paystubs and still the bank has refused to open a short sale workout and postpone the foreclosure sale date even when they continue to review and ask for additional documentation not included in the original application instructions. Every time we return documents then they ask for more update documents, its a never-ending process. I need your help!