23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX was stolen in late XXXX. XXXX was made aware of this and given copies of the police report and the insurance company 's contact information. The vehicle was eventually recovered in XXXX of XXXX, however XXXX had already marked the account as a total loss and therefore cut off access to my account online and they refused to take payments over the phone. XXXX still is reporting the payments from XXXX to XXXX as being late. From XX/XX/XXXX until XXXX of XXXX the account is marked as no info as that is the period when XXXX had closed the account. 

During that time period I attempted to contact and pay these payments on numerous occasions yet no one at XXXX would assist me other than to say the account was closed. I even filed a Better Business Bureau complaint and XXXX replied to that by saying the account was closed. XXXX advised me to contact their insurance company who had a non-working email address and a phone number that had a message saying to try back later every time I called it. 

Then without informing me, but likely due to the sheer volume of phone calls and letters I had sent to XXXX, they re-opened the account and the payments from XXXX through XXXX are now marked as delinquent. 

In XX/XX/XXXX the vehicle was again stolen and in XXXX of XXXX, according to XXXX, the XXXX account was again closed. In XXXX of XXXX I finally was able to reach someone at XXXX in their internal collections department who agreed to accept payments. I have paid TXXXX over {$20000.00} in the past two weeks to bring the account current. And fortunately the vehicle was again recovered by the police. However when I requested an extension or forbearance on payments I was told to make one more monthly payment and they would make a compromise with me. I made one more payment as requested and then they refused to make any offer and blamed me for the payments being late while they simultaneously admitted that they had closed the account previously and would not ave accepted any payments. 

I have attached documentation verifying all of the above information including XXXX response to the XXXX complaint that states I owed {$1100.00} ( one payment ), yet according the reports XXXX reported four late/missing payments up to that time. Included in the documentation is an email returned to me showing the XXXX XXXX email address did not work and a letter I sent to XXXX after the XXXX  complaint in an effort to bring the account current.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I used Coinbase to buy and sell Bitcoin. I have over 200 ( I 'm a XXXX citizen, but Coinbase are a US based company ) in my account which I now wish to withdraw.

On XX/XX/XXXX, I followed Coinbase 's instructions on how to verify my bank account. This required the sending of a SEPA transfer in Euros from my account to Coinbase using a specific reference code. A total of 6 was sent, in accordance with their instructions for minimum values. Coinbase claims that it will take 1-2 days to verify a bank account. I followed their instructions to the letter, and when my SEPA transfer showed up in my Coinbase account the stipulated reference was clearly visible.

I grew concerned after 4-5 days that I had not heard anything, but gave Coinbase the benefit of the doubt given that it was XXXX. However, after 10 days I decided to get in touch to check the progress of my account being verified. Coinbase 's website makes it very difficult to get in touch with them. The only mechanism for 'contact ' is a bot helpdesk which was unable to give any advice on the matter at hand. When I did eventually find an email address onXX/XX/XXXX, the email bounced because it is no longer in use. A response from Coinbase gave a separate email to contact.

I emailed this new address on XX/XX/XXXX to request an update as to when my bank account would be verified. My request was very clear - it stated that I had followed their instructions, successfully deposited a SEPA transfer, and that I just needed my account to be verified. I got a response that same day from an employee called XXXX, but it simply listed the instructions on how to verify an account - they did not make any attempt to address the specific issues outlined in my correspondence. I responded to XXXX within 15 minutes to clarify my request and ask that they simply confirm when my account would be verified. I then received a response the following day ( XX/XX/XXXX ) stating that my case had been escalated to a specialist. That is the last I heard from Coinbase.

I emailed them chasing a response on XXXX XXXX, XXXX, XXXX, XXXX, anXX/XX/XXXX, and have sent multiple XXXX/private DMs to their @ Coinbase and @ CoinbaseSupport accounts. They are simply refusing to respond.

At this point I am very distressed by this matter as I now believe Coinbase to be a scam company who are stealing money from innocent investors. Screenshots of my Coinbase account showing verified receipts of SEPA transfers with dates are attached as evidence of my having followed their guidance correctly, and to versify my account of the dates in this complaint.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit card or prepaid card

I changed my address. They told me to upload documents so they can unlock my account. I did that 5 times and they are still asking for the same thing. This is my only source of income and my phone and my lights are about to be off. I mean they ask 100 questions when you call which should be enough to verify who I am. This is rediculous
Product: Credit card or prepaid card

Barclays changed my name on my account without my authorization and without notifying me. Only incidentally noticed name change on my statement. I notified them of error and they changed back. Now trying to require me to submit documentation to keep my correct, legal name on account that I have had for years. Concerned that a security breach occurred to precipitate name change and they are not responding to this concern. I am uncomfortable submitting documentation to them given the sketchiness of this incident.
Product: Mortgage

I purchased my property in XXXX of XXXX i currently have XXXX on my mortgage of {$340.00} and my property value has increased significantly. My current mortgage company ( PHH Mortgage ), in addition to other mortgage companies constantly send me letters stating that i have equity on my house to borrow from or to refi. 
Based on the increase in value, i wanted to refi and remove the XXXX. But the interest rate currently is higher than my interest rate of 3 %. I was told by a banker at the time of purchase that if my property value reached 80 %, i could request removal of XXXX 
I reached out to my mortgage company to request removal. They let me now that they would need either 1 ) Appraisal OR 2 ) improvements to the property. I went for option 1. They asked me to fill out a form and send {$320.00} for appraisal. I filled out the documents and sent it in with a cheque. Within a few days, my cheque was cashed but i did not hear back. When i called back, they told me that i now needed to provide proof of significant improvements to the house. I told them that they need to escalate this as i was never told this and it should not be the case. Today i received a letter from them stating that they declined my request unless i provide proof of improvement. 
I was never told that i needed to both. Nor do i think in my opinion that both are required. Because the mortgage company is not benefiting from me removing XXXX they are giving me a hard time and holding that against me. They are unfairly denying me my right to remove XXXX based on property value. On my account dashboard, they are estimating my house value to have gone up by approx $ XXXX. and as i mentioned, another department keeps contacting me to refinance or borrow from equity. 
I am attaching a copy of my XXXX XXXX  where they posted estimate value and well as zillows estimate value.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, these accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( 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 instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of these accounts.
Product: Debt collection

Blitt and Gaines XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX has revived a default judgement for approximately XXXX. The initial default judgement was issued in 2008, and as such 14 years has elapsed. I am unable to contact the original creditor, nor the agency/entity that claims to have completed proper notice of service. I was never served to appear for this debt and Blitt and Gaines dismissed my Motion to Vacate the judgement based on the claim that I was properly served a Notice to Appear. It should be noted that the original creditor no longer offers this financial product in my state and has/will not respond to inquiries. It should also be noted that this account has been handled by no fewer than three collection agencies and two law firms and I am unable to get information on the Notice to Appear document that was allegedly served.
Product: Credit reporting or other personal consumer reports

I Listed 2 fraudulent inquiries from my Transunion Credit Report. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I am disputing a debt that has been reported on my credit report. I believe the debt has been mishandled in violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Despite my attempts to address the issue, the debt remains inaccurately reported, and I am requesting its removal from my credit report.

Details of the Issue : 1. FDCPA Violation - Validation of Debt ( XXXX XXXX XXXX  ) : On XX/XX/year>, the company sent me a validation notice via email at XXXXXXXX XXXX which | opened shortly after. 
The FDCPA requires debt collectors to ensure full validation of the debt.

2. FCRA Violation - Accuracy and Timeliness of Reporting ( 623 of FCRA ) : The company reported this debt to credit bureaus on XX/XX/year>. 
I filed a dispute on XX/XX/year> through the CFPB. 
On XX/XX/year>, the company marked the debt as " disputed '' with credit bureaus. 
Despite this, the debt has not been accurately updated or removed from my credit report.

3. Failure to Ensure Accuracy : Under the FCRA ( 623 ), furnishers of information are responsible for ensuring that disputed accounts are either verified or removed from credit reports if they can not guarantee accuracy.

The ongoing presence of this disputed debt on my credit report is causing harm to my credit score and financial well-being.

4. Request for Removal : The debt has not been validated or resolved in a timely and accurate manner. As such, I am requesting its removal from my credit report to ensure compliance with FDCPA and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the dates of XX/XX/XXXX-XX/XX/XXXX, I have filed and sent several letters to the credit reporting agencies of fraud accounts. I have submitted copies of police reports and identity theft affidavits. The fraudulent accounts are ( 3 ) XXXX XXXX  accounts, 2 XXXX XXXX accounts opened XX/XX/2016 with balance of {$900.00} and account opened XX/XX/2016 with balance of {$460.00}, Account with XXXX XXXX, and account with XXXX XXXX. I recently filed complaints with all said companies for reporting inaccurate information. However XXXX  and Transunion both are still reporting these accounts after several communications with them that I never opened any of these accounts.
Product: Credit card or prepaid card

On XX/XX/XXXX I called Discover card and reported fraud on my acct. 
3 separate charges were made in XXXX on the same day, XX/XX/XXXX, for {$510.00}, {$3600.00} and {$1500.00}. Discover card refused to remove the charges and will not do anything. I have sent 3 certified letters telling them these are not my charges and asking for some sort of signed receipt or proof that they have but I get no response! They just ignore me and keep charging interest. I have not even gotten a call to find out why I 'm not making any payments and it 's been almost a year.
Product: Mortgage

I hold an adjustable mortgage with Caliber Home Loans. I have an escrow account for my local property taxes with the XXXX Ct. I have made every mortage payment on time. I also have a near perfect ( near XXXX credit score ). Since the loan was transferred to Caliber Home Loans, there has been an extremely frustrating, time consuming, stressful issue with their tax department, which is now sub-contracted to a company called XXXX. For the past three years, there have been at least XXXX different instances of the tax department missing payments, nearly to the point of lien status. This most recent incident did in fact lead to a lien being placed on my property several weeks ago. I have documented over 9 hours of my time being spent in endless phone chains and conversations trying to resolve this issue between XXXX/Caliber and the XXXX. I have written letters to XXXX as well as to the XXXX of Caliber Home loans to no avail. Each entity denies responsibility for the problem, but the most frustrating aspect of the situation is the complete lack of coordination between Caliber and XXXX. Caliber assumes no responsibility for the work of XXXX. Now that the lien has been placed, it will likely impact my credit rating for 7 years into the future, negatively affecting every area of my financial well being. Additionally, I had planned to refinance my adjustable mortgage this year, while rates are still low, which I will now not be able to accomplish. Thank you for helping me to resolve this issue with Caliber/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report. I have been a victim of identity theft and these accounts and inquiries were opened or conducted without my knowledge or consent. 
As per my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the removal of the following accounts and inquiries : Fraudulent Accounts : XXXX. XXXX  XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$250.00} XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX. XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$2300.00} XXXX. XXXX XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$2300.00} XXXX. XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$20000.00} XXXX. XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$190.00} XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$190.00} XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$69.00} Unauthorized Inquiries : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information reporting on on my XXXX credit report regarding late payments and past due balances on a charged off XXXX account for {$510.00} which has already been written off and requested it be removed, but was updated as accurate. Also, there are XXXX collection accounts XXXX XXXX  for {$1900.00} and XXXX XXXX for {$520.00}. I informed them that the information was deleted from other bureaus and that they must report the same information and Remove them. I do not know nor have an agreement or contract with either XXXX of these collection agencies. I informed them that I know that they paid for my personal information which is identity theft. They refused my request and took the liberty to continue to report this damaging information to my file and we have no association. I requested the agreement/contract that binds us, which was ignored because they don't have XXXX. I have been denied credit and will be seeking monetary damages in the tune of {$5000.00} for continuing to damage my name. I informed them that they are not abiding by the FCRA laws and regulations. I need these XXXX items remove from my report and {$5000.00} in damages.
Product: Debt collection

TSI trying to collect a debt that they arent the original creditor nor did they provide any verification that they are the original creditor or any other verification that they purchased the debt and I am required tho pay them
Product: Debt collection

Citi bank NA has been reporting loans past the statute of limitation to my credit bureaus.
They had sold some loans 23 and 26 to   XXXX   XXXX   XXXX   XXXX   that has been harassing me and contacting me for repayment. Citi bank is no longer reporting those loans because of their erroneous error they had to remove them.   XXXX   XXXX    has not removed said loans and continues to contact me for repayment of erroneous loans.
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Citi bank also has the first date of delinquency for loans 21 and 22 listed as XX/XX/XXXX  which they said would remain on my credit for a period up to 7.5 years.
florida statue where I reside and where the loans were originally taken out states : The FDCPA prohibits collectors from taking action to collect a debt that they can not legally take. In many states, filing a lawsuit beyond the statute of limitations is a fundamental illegality. If they have taken this step, you have rights to pursue under the FDCPA. CAPITAL MANAGEMENT IS ATTEMPTING THIS.
Contract or written instrument and for mortgage foreclosure : 5 years. F.S. 95.11.
Floridas statute of limitations varies for different types of debts. For written contracts such as personal loans, the statute of limitations is five years. So once this type of debt is more than five years past due, the lender can no longer sue in order to collect owed money.
THIS DEPT IS TO BE REMOVED FROM MY CREDIT IT IS 2 YEARS PAST THE FIRST DATE OF DELIQUENCY THEY ARE REPORTING ON LOANS 221 AND 22 AND PAST THE DATE OF LOAN 20 THEY SOLD TO DISCOVER BANK  XX/XX/XXXX  THAT THEY CHARGED OFF IN  XX/XX/XXXX .
Product: Credit reporting or other personal consumer reports

To whom it may concern, I wanted my credit report to show only what's correct and accurate. However, I still see those same negative accounts popping up on my files over and over, despite disputing them with the consumer reporting agencies since XXXX. There's even one negative account that's already been removed in Experian but is still showing up in XXXX and XXXX. How did they miss that information? The fact that they were all reporting to one furnisher of information This incoherent report from them is disheartening on my part because it has lowered my credit scores.
Product: Money transfer, virtual currency, or money service

I am experiencing difficulties closing my account with Coinbase, despite meeting all the stated requirements. My wallet balance is {$0.00}, and all transactions have been completed for over a week. I have reached out to their customer service multiple times, including a chat that has kept me on hold for over 4 hours. This delay in processing account closure is unreasonable and unacceptable. I request your assistance in addressing this matter as it seems to violate basic consumer protection standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from experian on XX/XX/XXXX at XXXX XXXX indicating that Experian has opened my dispute. Within 30 minutes, I received an email indicating that the dispute has been completed. However, there has not been a dispute filed. I never opened a dispute with experian. When I checked my credit report, a new negative account had been placed on my experian report. It is a XXXX account XXXX This account is a direct result of this dispute that I never opened. 

Experian states that the account has been opened since XX/XX/XXXX. However, there are on 3 months of reporting activity. 

As a matter of fact, as I am typing this, at XXXX, I received another email from experian indicating that they are " almost done '' with another dispute that has been opened. 
This is not the first time that this has happend. They have also opened a dispute for a XXXX account that was not on my credit report but now is. When you dispute an account with experian, you are no longer allowed to have it reinvestigated. They don't allow it. Experian is adding these accounts onto my credit report and ensuring that I can never have them reinvestigated and removed. The disputes are fraudulent activity by experian. I will guarantee you that more disptes will be opened and each one will come back with a result of verified for the sole purpose of preventing the accounts from being reinvestigated. 

I filed a dispute with experian well over 6 months ago, and the negative results were removed from my credit. These were either the result of identity theft, or mistaken identity. I have almost the same social security number as a man by the name of XXXX XXXX. Our socials are exactly the same except got the middle digits. Mine are : XXXX and his are : XXXX. His accounts end up on my credit report all of the time.