23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Have been a Coinbase customer for five years. I have been a subscribing customer to Coinbase One for one year. Ive been paying {$29.00} a month for premium service, support, and reduced fees. 

I did not break any of the terms and conditions. Did not do anything, shady, illegal, nor suspicious. For no reason given, and no timeframe given, theyve restricted the ability for me to send digital assets that Ive paid for, to my self custody wallet. 

I have digital assets in my wallet theyve refused to acknowledge exist. Customer service is useless, and I get the constant runaround. Delayed responses, unresolved issues, unanswered, questions, and a litany of other problems. 

This is a publicly traded company, and needs to be held to account for the treatment of their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to pandemic, I entered into settlement ( accommodation ) agreement with XXXX Comenity. ( Comenity Capital Bank ) on XX/XX/2021 with XXXX XXXX at XXXX XXXX. Account was paid current at the time request for accommodation was made. The debt/balance has been completely paid, however Comenity reported three late payments during the settlement process. According to the Cares Act, the law says creditor must report current paid status and no late payments during the Covid 19 natural disaster or face legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correctly. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nexus Lexus continues to report a chapter XXXX bankruptcy as dismissed, but it was terminated, and should not be on my report. XXXX has removed it, but XXXX has not, even after documents, and several attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting an account due to identity theft. I've included multiple FTC identity theft reports, police reports and verification to Experian to block this information. My identification was compromised and I have a notarized document from the DMV indicating that my identity was stolen and I'm willing to prosecute. Additionally, I've filed a police report which is included in the report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I XXXX XXXX XXXX XXXX XXXX XXXX understand how they usually say that these accounts are mine I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

Pennymac has failed to remove the fees theyve added to the account from years ago after submitting a payment towards those fees in XXXX and previously as discussed with them over the phone. I was told some of the fees would be voided. The fees still Show. My statement shows fees currently at {$1600.00} Ive been on time with my payments since XXXX but the lender has failed to report this to all 3 Credit reporting agencies. They also refused a loan modification to remove PMI despite my 20 % plus deposit in XXXX
Product: Debt collection

A collection from Allied has been appearing on my credit report for years. And every months or so, the amount increases. I have contacted them asking for proof of this debt, but to no avail. I have contacted XXXX XXXX, XXXX and XXXX XXXX and even you ( CFPB ) to dispute this charge over and over and over, but to no avail. 
Recently, I contacted the XXXX  AGAIN to resolve this false collection account from Allied. They sent the XXXX  a form for me to fill out requesting my social security number and previous addresses ( see attached ). I told the XXXX  if I provide such information Allied can then contend this debt is mine. The XXXX  suggested I contact you all... AGAIN. 
It's insane how a company can claim a debt is owed, increase that debt several times a year, report to credit bureaus and the debt is renewed each year since 2018 without consumer justice or proof. This is ridiculous.
Product: Credit reporting or other personal consumer reports

XX/XX/, Account : XXXX XXXX  : Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experiena, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or name the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for this reason : XXXX-19, XXXX-19,XXXX-19,  Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX U.S. Bankruptcy Court # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.
Product: Credit reporting or other personal consumer reports

Approximately 3 months ago I submitted a final payment to pay off my student loan balance. The payment was around XXXX. I submitted this payment to XXXX, the servicing company that took over XXXXXXXX XXXX XXXX. On my credit report, XXXX still shows that I have a loan balance of XXXX. This is incorrect and could impact my ability to get a loan in the future as it weighs into my debt to income ratio. I reached out to XXXX and they refused to do anything about it, stating that the loan could take years to fall off of my credit report. I am not asking for the loan to fall off of my report. I am asking that the balance be reported correctly.
Product: Mortgage

Consumer Financial Protection Bureau Complaint Subject : Complaint Regarding Predatory Loan Servicing Practices by Selene Finance and XXXX XXXX XXXXXXXX Details : I am filing a complaint against both Selene Finance and XXXX XXXX XXXXXXXX due to predatory loan servicing practices that have caused significant financial and mental harm. Over the past few years, I have experienced serious issues related to my mortgage loan, including forced modifications and forbearance agreements without my consent. 

Despite my numerous attempts to seek correspondence, both institutions denied my requests and failed to provide proper notification or clear explanations. I was repeatedly told that certain actions were " industry standard, '' yet no instructions were given for me to understand my situation. I was even threatened with legal action if I attempted to make early payments, which added further confusion and stress. 

Furthermore, I was informed that my loan policy required additional insurance and was placed on their coverage without my consent, even though I already have coverage through XXXX. This unnecessary imposition of insurance has contributed to further financial strain. Additionally, a decision was made to defer my balance, and while I was told it could not be reversed, I was not informed that this option was available to me under my loan terms. 

From XXXX to XXXX, I reached out to Selene Finance, XXXX XXXX XXXXXXXX, and XXXX  for assistance, but I was repeatedly denied any clear guidance. This lack of transparency and cooperation has caused financial damage and mental distress during a period that was already challenging due to the COVID-19 pandemic and my military service. 

I am requesting an investigation into these predatory loan practices and resolution of the following : Full disclosure of any loan modifications or forbearance agreements applied without my consent. 
Correction of any improper account status, such as forbearance or default. 
Reversal of deferred balances as allowed by my loan policy. 
An explanation and cessation of threats regarding early payments. 
Clarification on the unnecessary insurance charges and refund of any improper fees. 
I believe these practices violate consumer protection laws and expect swift action to rectify these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish account without written instructio
ns.
Product: Credit reporting or other personal consumer reports

First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer, and I am in need of your assistance. I am writing in regard to the above-referenced account and transactions. Somehow, someone illegally obtained my credit car information, thus delay in payment was caused by fraud. I always try my best to pay your company in time, but this time my payment was late by I am sincerely sorry for the delay in payment, and I apologize for any inconvenience or frustration this caused you. While I take full responsibility for my mistake, I would like to assure you that this was a last-time error on my part, and I ensure that this does not happen again. I would really appreciate if you would Kindly understand my situation and excuse me for late payments ) .Im asking these companies listed below for a goodwill request, please eliminate late payments ) with the credit bureau ( s ) by filling out Universal Data Form and faxing it to the credit bureaus ) that you report to. 

XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I contacted Equifax to dispute the errors I recently found on my credit report on my mortgage company XXXX XXXX XXXX XXXX and they did investigate my dispute but did not update and delete the inaccurate information. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Multiple Federal Laws are being broken by the credit bureaus and XXXX/ XXXX XXXX
Product: Mortgage

Ex-husband was awarded home on XX/XX/2022. he has refused to make payments on the home and the home is now in foreclosure. I sent my information regarding this to Shellpoint/New Rez XXXX of XXXX they explicitly refuse to remove my name from the mortgage even though it is court ordered. I am being held financially hostage by Shellpoint/Newrez and my ex-husband. I received a letter today stating that my name was finally changed on the mortgage and that they receive my divorce information. This is economic abuse as this is ruining my credit, I can not even purchase my own home or even get a credit card. I want this mortgage released from me immediately. 
Loan # : XXXX I have been going back and forth with this company for almost XXXX  years. This mortgage is now in arrears over {$35000.00}. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone stole my credit card and used it, it was a XXXX XXXX XXXX XXXX. XXXX XXXX took care of that immediately, but then on XX/XX/XXXX I got a XXXX XXXX hard inquiry on my XXXX that I did not inquire about, I called to get that taken care of but they told me the inquiry wouldn't come off for over 100 days. 

on XX/XX/XXXX I got a hard inquiry on my transunion from XXXX XXXX XXXXXXXX, I called them to get it taken care of and got told the same thing and that they will be placing a fraud alert on my credit. 

XX/XX/XXXX I received a fraud alert from transunion a credit pull was attempted by a bank named XXXX XXXX 

back in XXXX XXXX I received a letter in the mail letting me know my information had been apart of the XXXX data breach, so I'm afraid this could have something to do with this unfortunately. 

I have since then locked all 3 credit bureaus but whoever is trying to steal my identity is calling these companies claiming to be me, trying to log into my XXXX account I'm assuming to unlock my credit, and going as far as posing as the department of real estate sending me a letter claiming they need my finger prints, I called the DRE to confirm this letter and they confirmed it was NOT them and to please disregard the letter they never sent that to me.
Product: Money transfer, virtual currency, or money service

Since two years ago I have been on the debt relief program with Freedom Debt Relief, paying a fee for legal representation in case a debt escalates to a lawsuit. One of the enrolled debts escalated to a XXXX, on XX/XX/XXXX, I sent the summons to FDR and they confirmed by email they retained an attorney for me as part of their services, which I have been paying. I Signed a POA. The attorney never answered or appeared in court, and I got a XXXX XXXX XXXX  on XX/XX/XXXX, and the other party is asking for summary judgment. I have called FDR to ask why the atty did not anything and they are asking me for money to deposit in the account with then to send information to the law firm to take care of the case if I don't pay FDR they will not send the information to the Atty. I have explained the situation to several agents in FDR and they keep saying I need to pay FDR to send the info to the Atty. FDR prevailed me to retain another attorney because they offered me legal representation and they retained an attorney for my case as part of what I paid, and they did not do anything about my case. Now I am one step behind a summary judgement without legal represation cause FDR is kind of blackmailing me to make deposit more than I should. I consider this an scam and black mail. The debt is more than XXXX and the damage this situation can cause me is terrible.
Product: Debt collection

Collectors Name : MEDICAL BUSINESS BUREA Account Info : XXXX Creditors Name : XXXX XXXX  Open Date : XX/XX/2014 Balance : {$520.00} Debt : {$520.00} Contact Info : XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Product: Debt collection

This company Midwest Recovery is trying to collect {$1300.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Midwest Recovery with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Midwest Recovery. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Midwest Recovery. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit card

Subject : Discovers Failure to Properly Investigate Unauthorized XXXX XXXX Transaction Complaint : I am filing a complaint against Discover Financial Services for failing to properly investigate an unauthorized transaction made through XXXX XXXX. Despite providing clear written evidence from the merchant ( XXXX ) confirming that the transaction was not linked to my account, Discover has refused to take action, stating that XXXX XXXX transactions can not be disputedan inaccurate and misleading claim. 

Issue Details : On XX/XX/year>, an unauthorized XXXX XXXX transaction for {$340.00} was processed at XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX 
I contacted XXXX  fraud department, who confirmed in writing that this transaction was not associated with my account and was linked to a different guest profile. 
Despite this clear evidence, Discover denied my dispute, falsely claiming that because the transaction was made via XXXX XXXX, they could not investigate or take action. 
XXXX XXXX confirmed they could not assist further, as financial institutions handle disputes. 
XXXX also could not verify the Device Account Number used for the transaction, because after my initial complaint, Discover canceled my card and issued a new one, making it impossible for me to access my previous XXXX XXXX details. 
Discover never attempted to verify whether the Device Account Number used matched my XXXX XXXX, which would have definitively determined whether the charge was mine or not. 
Why This is Unfair & Needs Action : Failure to Conduct a Proper Investigation Discover dismissed clear merchant-provided evidence and did not verify critical transaction details. 
Misrepresentation of XXXX XXXX Dispute Policy Discover falsely claims XXXX XXXX transactions can not be disputed, despite known cases of fraud and merchant processing errors. 
Lack of Consumer Protection Discovers refusal to act leaves me without recourse for an unauthorized transaction.

Requested Resolution : Reopen my dispute and conduct a proper investigation, including verifying the Device Account Number used for the transaction. 
Provide a written explanation detailing what steps were taken in the investigation if Discover continues to deny my claim. 
Ensure Discover is following CFPB regulations regarding fair consumer dispute investigations. 
I have exhausted all reasonable steps to resolve this issue with Discover, yet they refuse to assist despite clear evidence of an error. I request that the CFPB investigate this matter.