23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There is a list of companies that have access to my credit report and they send me unsolicited offers by mail or phone that I did not request. Promotional Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My mortgage is currently serviced by Fay Servicing. They have been servicing it for approximately 4 years. Without exception, I have had 4 years of chronic issues of varying degree with them that only resolve when I file a formal complaint. At present, I have the recurring escrow account issue. I do not have an escrow account with them. I 've never had an escrow account with them because I handle taxes and insurance independently. Yet they have put in place and escrow account. I have disputed this with them and have forwarded paperwork to Fay Servicing indicating that I have insurance. My insurance agent has spoken with them and has also forwarded the same paperwork to them. Yet, nothing has been corrected. They have continued to charge an escrow and have applied my P & I payments to the escrow " deficit '' and not to my mortgage. They are also charging for the " unpaid '' P & I as well as late fees. I have tried to reach multiple times and have left numerous messages, but have not received a call back. Now they tell me that the property is in pre-foreclosure because I have not made XXXX payment. 
Unfortunately, this is not the first time I 've had the same issue with this mortgage servicing company. It is an ongoing, almost on a yearly basis, event. The result is always the same - we 're working on it, etc., etc., but there is little resolution. Verifying insurance and/or property taxes, and removing an incorrect escrow assessment should be a fairly easy job, not an almost 90-day production. 
I need resolution!!
Product: Student loan

I declared Chapter XXXX bankruptcy and the servicers of the student loans were included in the discharge. Regardless of " type '' of loan. The document says they were discharged. It does not specify that the loans were student or not, but a minor disclaimer is all that is included. It is beyond unclear, and this is reaching a territory that is creating a very difficult situation. I am thinking of never working again because of the legal process in place. 
This uneven and unequal economy progress has left me without a decent job, and has made it difficult to find any faith and trust in repayment of the studies that I am coming to realize are for me to act as a slave to your economic engine. 
I am becoming quickly an enemy of the state and am now looking into which nations I can go to and claim financial burden as a reason to seek asylum. It will end the dynamic relationship of my family moving to this country over the years, but at this point the unrealistic expectations set by federal policy and not protecting citizens has essentially established a poor state, and this is violating my constitutional right. 
I need assistance, support in clarification and I am demanding the support needed to redefine the rule under which student loans are managed. 
Discharge should be available just like every consumer loan. Student loans do n't always pay tuition. In my case my debts paid for my housing, my food, and other related expenses while I was studying. They are more like consumer loans and they should be discharged as such, but due to the excessive cost, confusion, and the downright cruel and unusual punishment based on the lack of access to the necessary body I am finding that I hate my government and under my own constitutional right will sign for any and all access to foreign government agencies to government and protect me under their rule of law vanquishing the territorial control of the US, it 's leaders and the constitution that is governing this, thus establishing unjust policy. 

I lost my job in XXXX, I have been dealing with XXXX, and am at a point that I have no faith and trust in the workplace, and in the US Dollar. I am at a point that I declared bankruptcy because I felt overwhelmed and incapable of repayment. As student loan debt is permanent, I have grown frustrated further and have given up on furthering my education, and am not going to work anymore because it is a taxation on me through interest that is paying a public loan servicer. This is a huge violation of the constitution and I do not care what punishment is part of it. The politicians and banks are in collusion against the taxpayers. Thus, I am not paying back anything now. I will declare a civil war before I do. Thus, I will be XXXX, and will request international guidance and their involvement to restrain the XXXX Government against genocide of those seeking to elevate their knowledge to build a better life and that the Republicans and rich sought to destroy the potential growth of the economy through usury. 
XXXX nation. Especially now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested another investigation into my credit report and proof with documentation, instead I received a letter stating that my file will remain unchanged and was updated. They failed to provide proof and replied with they gather data from a third-party company XXXX. As stated before Experian refuses to properly investigate this item and has failed to do so and has wilfully kept reporting this on my credit likes its states in the attached files they verified it in XX/XX/XXXX which was through a third-party company and failed to provide proof. They are in violation of the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyone 's credit report. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed they dont report any information to Experian Credit Bureau, therefore this was has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Im demanding this public record to be removed from my account and the invoice provided for violations be paid in full
Product: Money transfer, virtual currency, or money service

I used a high interest savings account to fund the purchase of Bitcoin through the Coinbase Exchange in early XX/XX/2019. Unbeknownst to me, there was a limit of ( 7 ) electronic transfers ( ETF 's ) per month on this particular savings account. I made transfer requests on Coinbase above and beyond the ( 7 ) allowed, by mistake. I understand Coinbase fronted the money in anticipation of payment by these additional transfer requests, above and beyond the ( 7 ) allowed. The requests were rejected and Coinbase locked my account. I resolved the problem as soon as I was made aware of it and made sure the payments arrived at Coinbase ( within 5-days ) from a different bank account. All should have been well and Coinbase should have released the funds. However, they didn't. They allowed me to sell the Bitcoin to US $ but to this day, will not allow me to transfer the US $ out from the Coinbase account a total of {$68000.00}.

Attached you will find : Two emails from XX/XX/19 showi

ng the sale of Bitcoin ( into the cash $ account at Coinbase ). Two emails from Coinbase (
XX/XX/19 and XX/XX/19 ) customer service showing my interactions with them. Trying to resolve the issue. You can see where in bold they say We are not able to provide you with any additional information. 

I also have a problem where I deleted the XXXX XXXX app, so I lost my key for the XXXX XXXX verification. According to the sits FAQ ( attached ). They may need to perform a security reset so it reverts to the SMS verification so that I can do the final transfer, once the funds are released. 

You can see in the attached site FAQ document " Coinbase Reset Broken XXXX   XXXX '' on page 2, line item " I lost or broke my security key ''.

To reiterate my problem one more time ; Coinbase does not respond to my requests to transfer my cash out of their account back into my checking account. Nor do they respond to my requests to reset the 2-step verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  ACCOUNT # XXXX, XXXX  XXXX  XXXX ACCOUNT # XXXX XXXX  ACCOUNT # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Can not manage security freeze when I log in and go to manage it always comes with an error
Product: Debt collection

Harassment, I got many calls within 24 hours. Some after the hours of XXXX. I responded and asked them to stop calling as I am currently unable to pay the debt but they continued to harass me. I blocked one of their numbers, but the collector simply switched to a different number. Over the course of two days they called six times, four of which after the original number was blocked. 

In addition, another party had agreed to pay for the debt but the collector refused to listen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I needed help paying my student loans so called XXXX to set up a reduced payment plan with them. After all my expenses I had {$50.00} left. My monthly rate was {$200.00}. 

After paying the first payment and subsequent payment, they still reported my account as late to credit agencies even though I started making arranged payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still disputing this debt that you stated is VERIED but did not confirm that it is VALIDATED, I contacted the original creditor who was unable to validate this credit account was mine. I am responding in a timely matter to your attempt to validate this debt because I still consider this debt as '' still in dispute ''. I would like documentation to clear up my reasons for disputing this debt ( agreement that bears signature of the alleged debt, complete payment history on the account to prove the debt being collected is correct, etc ). In addition, you must also be aware that until you validate this debt, you can not continue to report this information on my credit report as that is non- compliance with FTC . Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting twice XXXX XXXX acc. XXXX, XXXX
Product: Debt collection

On XXXX Midland Credit Management placed a collection for a XXXX XXXX XXXX store account on my credit as a collection. The amount listed is {$930.00}. I have not opened, nor authorized anyone on my behave to open, this account.
Product: Vehicle loan or lease

XXXXXXXX XXXX XXXXXXXX, i went to America 's car mart. In XXXX, Georgia, where I bought a XXXX XXXXXXXX XXXX XXXXXXXX love the car. It was great. I drove it exactly XXXX year almost the place did not tell me that it had a recall on it, something that would a knock and sensor that need to be replaced. Let me know about the engine knocking in the pistons and sludge and the pistons through in the engine. A week and a 1/2 later after that happened, they come and repossessed a car. It was a buy here pay here. Place, I was only a week and a half late on my payment. Also informed them about the recall and how I wanted the car to be took into the XXXX place so that the engine could be replaced under warranty. But instead, they repossessed a car and they took the car and had the engine replaced, and then sold the car. Never sat down with me to try to work. Anything out or fix anything? And then they've got it on my credit report. As repossession, but I do not believe that the amount that they have on. My credit report is right and accurate. It shouldn't even be on my credit report because they never offered me a XXXX or any information into that car 's background when I did ask them for it. They told me they did not have to disclose that information. 

But also, you too. And even no, after a week and a 1/2 being late on my payment before they took the car after that I lost my job but they wanted me to pay for the car when the car was in the shop if I couldn't work, I couldn't pay for the car but I knew I lost my. Job, despite all of that, five years on the job.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX and present a protest to EXPERIAN with respect to the ill-advised utilization of my credit report and the revealing of incorrect data on my record. I recently sent a letter to your office mentioning an examination concerning specific mysterious records. 
Regardless of your affirmation of leading a legitimate examination, after checking on my credit report, I found that erroneous data endures. The disparities incorporate however are not restricted to, the date opened, date of last action, date revealed, account status, and installment history. It is dampening to take note of that such errors keep on being reflected in my credit report, notwithstanding the underlying solicitation for examination. I trust what is happening encroaches upon my privileges as framed in 15 U.S.C 1681 section 602 A, which underlines my right to protection.

Moreover, 15 U.S.C 1681 section 604 A Section 2 specifies that a shopper detailing organization can't outfit a record without my composed guidelines. I compassionately demand an exhaustive survey of my case and the brief revision of the errors in my credit report. Your participation in settling this matter is profoundly valued. That's what I believe, as a legitimate credit revealing office, EXPERIAN will do whatever it takes to correct this present circumstance and guarantee the exactness of the data in my credit record. I have attached the FTC report with the report number XXXX to support this complaint
Product: Debt collection

I received a letter in the mail with my full name DOB and social security. Stating they are a debt collector named XXXX XXXX XXXX locates in XXXX XXXX CA trying to collect a debt for the amount of {$3100.00} for KAY JEWELERS. Which is false I have not purchased anything from KAYS IN YEARS!!!!
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Inaccurate Reporting Under FCRA Section 1681o To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report, which have caused significant harm to my ability to obtain credit. The errors appear to stem from negligent reporting practices that violate the Fair Credit Reporting Act ( FCRA ). 

I have identified the following discrepancies XXXX XXXX XXXXXXXX Account Number : Issue : Duplicate account entries and no balance updates. 
XXXX XXXX Account Number : Issue : Expiration date exceeds statutory limits and omissions under the balance section. 
XXXX XXXX XXXX Account Number : Issue : Conflicting payment history data and outdated information beyond the 7-year limit. 
XXXX XXXX Account Number : Issue : Incomplete payment history for a closed account. 
XXXX XXXXXXXX Account Number ( s ) : Issue : Missing balance and payment data, constituting reporting omissions. 
XXXX XXXX Account Number : [ Provide masked number ] Issue : Closed account inaccurately reported as late each month. 
These errors represent negligent reporting under FCRA Section 1681o, as they lack the accuracy and completeness required by law. I respectfully request immediate removal or correction of these items.

Additionally : Remove all non-account holding inquiries over 30 days old.

Apply a Promotional Suppression to my file to limit unnecessary access. 
Please complete your investigation within 30 days, as required by the FCRA, and provide written confirmation of the outcome. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found that unauthorized inquiries still remain, indicating a compromise of my credit. Despite submitting XXXX report # XXXX, these inquiries have not been removed. I previously contacted the listed companies, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of compliance, each receiving a certified letter stating the inquiries were unauthorized. I am requesting the immediate deletion of the unauthorized inquiries listed below. This complaint addresses several unauthorized hard credit inquiries on my report. There are still XXXX ( XXXX ) unauthorized inquiries present. Enclosed is my new XXXX report for reference, number XXXX. I am disappointed by the lack of action. When will XXXX and Experian remove these erroneous hard inquiries from my file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries. Additionally, I request XXXX to remove these inaccurate addresses from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under the Fair Credit Reporting Act XXXX XXXX ( a ), you are required to remove items opened without my knowledge, consent, or authority within XXXX business days, given ( XXXX ) appropriate proof of my identity; ( XXXX ) a copy of an identity theft report ; ( XXXX ) identification of such information by me; and ( XXXX ) a statement from me that the information is not related to any transaction by me. This serves as a final notice ; failure to remove these inquiries will result in legal action. My attorney is prepared to hold you accountable for noncompliance. Please address this matter promptly.
Product: Checking or savings account

I got charged so many monthly fees that I was not aware of, so asked Citizens to close my account online. But they didn't close it. So I went to the bank to get the fees waived close it. They changed the type of the account to a free checking. As far as the fee charged to my account goes, I was advised to call Citizens Customer Service or go online to get them waived and then come back to them later to get more fees waived. They said they couldn't waive any fees before Customer Service Phone Banking waives any of the fees. The next day, I got charged another monthly fees even though my account is changed to a free checking. Also, I got charged a statement fee of {$3.00} on my account. I have never seen any bank charging XXXX dollars for a paper statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX, with what I perceive as malicious intent, agreed to remove the negative notation they reported to the credit bureaus. This was restored after they agreed in writing, via XXXX to remove it. As such, I am requesting they honor this, as they agreed in writing, bound themselves via contract, in writing, agreed to remove these negative notations. This is per XXXX Case No. XXXX. This means they are without excuse and may be sued in the court of law. However, I am going to give them this opportunity to repent, admit their error, and remove the negative notation ( s ) immediately from all credit bureaus.
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/XXXX at approximately XXXX hrs. {$2600.00} worth of XX/XX/XXXX was withdrawn from my Coinbase account. I did not authorize this transaction. Coinbase refuses to accept any responsibility or blame for their error. They simply gave away my money and said Too bad. 
I feel Coinbase was negligent, irresponsible, and careless with my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account Westlake financial is supposed to be closed, it 's a charge off. I 'm disputing it for not being my account, they say I 'm a cosigner in a auto loan. I asked them for a copy of the contract with my signature, under the fair credit reporting act, although what they 're trying to do is past the statute of limitations. As I requested before I want a copy of the invoice/contract with my signature.they or XXXX just recently opened this account for no reason but to lower my credit score by almost 40 or more points on purpose. The statute of limitations on this account is four years which is over but if they want to keep reporting this erroneous information, I need to see that contract by law.
Product: Student loan

I 've had a private loan serviced through ACS, and they recently increased my monthly payment without notice. My monthly payment had been {$290.00} a month, and it just recently increased this month to {$460.00}. I can not make the original {$290.00} payment each month, having to make installment payments twice a month to keep up, and now they 've raised the payment out of the blue. I have been lied to, harassed, and threatened with litigation repeatedly. Please help me deal with this predatory company. I have submitted complaints about this company before to CFPB and nothing has happened, but they continue to charge me more money each month, which I was never notified about.