23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

So I recently find out that all XXXX credit bureaus mixed my credit history with my XXXX brother 's credit history into XXXX single report. I already contacted all XXXX bureaus with this dispute. Unfortunately, XXXX is the only credit bureau that handle this dispute as a professional company. XXXX is able to fix this dispute within XXXX hours and I received the corrected report already. However, XXXX and TransUnion are the worst agencies I have never encounter. When I contacted their representatives, they all refuse to apology for the error. XXXX admitted their error on their end ( because all my information was reported under my SSN they simply just put all my info under my brother 's name. I saw a report with XXXX name and XXXX SSN which is pretty funny but XXXX was able to separate and fix the mixing error ). Those XXXX companies keep claiming that it is my creditor 's fault for not reporting the information with all detail ( as they claim they never receive my SSN so all my information were filed under my brother 's name and SSN which means I do n't exist in this country ). This get me very frustrated, as XXXX actually receive all my information under my SSN how does the other XXXX agencies not received the same information from my creditors? Clearly, those XXXX agencies ' employees were sleeping when collecting my information from my creditor and failed to notice my SSN number on the reported credit info. Second, the representatives ask me to mail in a copy of my SSN to prove my identity so they can handle the dispute " properly ''. I comply to the request yet its been freaking XXXX weeks and I have n't ' heard back from them regarding the status of the dispute. I try to pull my credit report from TransUnion and it is still stating no information under my SSN is available. ( As they still have n't separated my credit history under my brother 's SSN ) I demand an immediate response from both XXXX and TransUnion response. Especially TransUnion, the phone representative made a verbal agreement that the supervisor will contacted me within XXXX hours after my phone call but I never received any phone call from the so called " supervisor ''
Product: Credit card

Previously in XXXX I had a GM credit card. GM became so difficult to deal with that I cancelled my card. Because of GM 's ineptness they overcharged the amount I owed on the balance of the card. I received a refund check from Goldman Sachs Bank USA, dated XX/XX/XXXX for {$30.00}. I deposited this check into my XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) checking account on XX/XX/XXXX. On XX/XX/XXXX I receive " Deposit Item Return Notice '' from XXXX stating the Goldman Sachs Bank USA check for {$30.00} had been returned unpaid as marked on the check, " Return Reason-S Refer to Maker. '' XXXX additionally stated, " If item was deposited or cashed, it has been withdrawn from your account and a return item fee of {$10.00} has been assessed. '' On XX/XX/XXXX I called Goldman Sachs Bank and they transferred me to GM Credit Card. I explained the situation to them and they initially said this was a credit and was not to be converted to cash. I explained that Goldman Sachs wrote a check payable to me and if they couldn't or wouldn't honor the check this was fraud. They then said they would file a claim to refund the money. At this time, I mentioned that my bank assessed a " return item fee '' of {$10.00}. They said they would note this in the claim. They also took my SLFCU routing and account number to send the money. 
Over the last month I have contacted GM Card, or they have contacted me numerous times to tell me my account balance is {$0.00} and I don't owe them money. Each time I have spoken with them they " understand '' and will get back to me. They did send me a check for {$30.00}, but what guarantee to do I have that it will not cost me another {$10.00} to be returned again. Each time I call, they tell me that they will " escalate '' or " note '' the return item fee. 

I have spent an enormous amount of time explaining and re-explaining the problem to GM Card Specialists and their supervisors. This has to stop. I need GM Card to assign someone who has responsibility and ownership of the problem they created by not honoring the check they wrote payable to me.
Product: Credit card or prepaid card

The male PayPal customer service representative refused closing the PayPal account with it's current {$10.00} balance. He insisted that I transfer the money to a valid bank account and claimed there was an existing Bank XXXX XXXX account PayPal had in file. This immediately raised red flags because PayPal can close the account and send the remaining balance to its prepaid card or mail a check to my address if record. The male customer service agent wasted my time and insulted my intelligence with nonsense about how he did not have any authorization to close the account or transfer any funds without a verified bank account. I called his misrepresentation of the truth and facts by stating PayPal can not insist upon verifying a bank account to transfer funds and closing an account. I also demanded to know why PayPal still linked a defunct Bank XXXX XXXX account with my transaction history. I stated that PayPal deliberately kept a closed bank account information on file and wanted me to link the PayPal account to it in order to verify the bank account existed. I stated that such PayPal activity was legally irresponsible and constituted fraudulent activity. I demanded to know what type of investigation PayPal was operating in concert with Bank XXXX XXXX and if gathering information about my transactions for a pending Bank XXXX XXXX investigation were the reason PayPal refused to close the account. Afterwards I stated to the PayPal representative my intention to exercise my legal rights to find more information with respect to PayPal refusing to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a lot of unidentified inquires on my credit report and it is causing harm to my credit i have a lot of hard inquires and other types of inquiries. some are for XXXX, XXXX XXXX  and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked the credit bureaus to remove these names from my credit bureaus. These are not my names. Please remove these name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX DOB XXXX SS XXXX I have a few addresses that are not correctly showing on my credit file that needs to be updated. My only address isXXXX XXXX XXXX XXXX IL, XXXX. PLEASE DELETE THE FOLLOWING ADDRESSESXXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, and I am writing to seek assistance with an ongoing issue I have been experiencing with Coinbase. Despite completing identity verification and depositing funds into my account, my account has been locked, and I have encountered several issues preventing me from accessing my assets.

After verifying my identity and making a deposit, my account was locked by Coinbase. I was told I had to wait for a period of eight days before the hold on my deposit was removed, but even after that, I was still unable to withdraw any of my assets.

I have submitted multiple verification requests, but Coinbase has continuously asked for further verification, which has been impossible to complete as their verification system fails to process the documents I submit. The system consistently states that the documents are unreadable or can not be processed, despite following all instructions carefully. 

I have already submitted several cases regarding this issue, with the following case numbers : XXXX XXXX XXXX Despite my efforts to resolve the situation directly with Coinbase, the issue remains unresolved, and I am unable to access my funds. I am seeking your assistance in addressing this matter, as I am unable to move forward with Coinbase 's support system. 

Thank you for your attention to this matter. I would greatly appreciate any assistance you can provide to help resolve this issue and ensure that my account is properly unlocked and my funds are accessible. 

Please feel free to contact me if you need any additional information.
Product: Mortgage

Saturday XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Subject property : XXXX XXXX XXXX XXXX CA XXXX To Shellpoint mortgage servicing XXXX XXXX XXXX XXXX, XXXX CC : CFPB I authorized any Government agency sharing information in this matter. 

Subject : Request for Assistance Regarding Home Sale and Fraudulent Activities Dear Shellpoint mortgage servicing : I am writing to express my concern regarding the status of my home, which was listed for sale on XX/XX/year>, and again on XX/XX/year>. As of XX/XX/year>, the status has reverted back to the beneficiary, indicating that the sale is marked as completed. However, I have not received any communication from the servicer about the outcome, leaving me with considerable uncertainty. I have observed that this particular servicer often delays action until there is a potential benefit, which raises my concern that I might face eviction without warning. 

I strongly believe that my home did not sell, as the beneficiary 's actions remain questionable. 

To provide some background : on XX/XX/year>, a fraudulent substitution of trustee was recorded to initiate foreclosure proceedings. Despite my numerous attempts to clarify this matter, I have been unable to obtain satisfactory responses from the servicer or their attorneys.

After filing complaints with the CFPB and DFPI, I received a partial response from the servicer, which failed to address the fraud allegations. This lack of acknowledgment is troubling and seems like a strategy to divert attention away from the fraudulent activities. Additionally, their documentation inaccurately states the recorded date of the substitution of trustee as XX/XX/year>, when it is, in fact, XX/XX/year>. 

Beyond the fraudulent substitution of trustee, I have been attempting for over 11 years to hold Shellpoint and XXXX XXXX XXXXXXXX accountable for fraudulent principal adjustments made to this account. I can provide further information and supporting documentation if needed. 

There have been numerous fraudulent transactions involving XXXX, XXXX XXXX XXXX XXXXXXXX, and Shellpoint that need to be addressed. I am hopeful that the government can assist in seeking justice for this situation. Although I have sought help in the past without success, I am not losing hope. 

In summary, I am seeking clarity and peace of mind regarding the status of my home. Although I have been told that it has sold, public records do not support this claim. Can you assist me in unraveling this matter? 

Thank you for your attention to this important issue. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX -- - Feel free to customize any part of this letter as needed!
Product: Debt collection

Caine & Weiner posted a debt on my XXXX XXXX XXXX report. I have never used them for any services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Mohelia several times regarding this matter, and no one can give me an answer. The last update to my credit report was XX/XX/2022. This loan has been written off due to Public Service Forgiveness. The balance is {$0.00}. 


Mohela Account : XXXX Current Balance : {$0.00} Previous Balance : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX about an error on my consumer report and it has yet to be corrected. Your last response to my complaint was my address, social security number, and bankruptcy account number were accurate. This leads me to believe that you NEVER read my complaint. I NEVER said these things were inaccurate but I pointed out some other things that were inaccurate and I even provided proof. However, you did not investigate the complaint properly or you just didn't do it at all. I have no clue what you guys are doing in your office or if you are actually doing your job. Once again I am challenging INACCURATE information that you have reported on my consumer report and I am providing you evidence that the information is INACCURATE. 

Here is the original complaint : I am requesting for the following inaccurate information to be deleted from my consumer file. You stated you verified the information from Pacer. I pulled up the documents from Pacer to make sure all information you were reporting was correct. It appears you did not get your information from Pacer. I have also included information from Pacer that proves the information is inaccurate. I found the following items below to be in error and I am requesting that it is deleted from my consumer file : The county you have listed is XXXX but it was not filed in XXXX XXXX. The county on the Pacer report is XXXX. The court name you have listed is Texas XXXX but that is not the name of the court the bankruptcy was filed in. The court name on Pacer is UNITED STATES BANKRUPTCY COURT SOUTHERN DISTRICT OF TEXAS. According to 15 U.S.C 1681 states consumers have a right to accuracy and fairness of credit reporting. I have found inaccuracies in my XXXX XXXX consumer file. I have reported this several times but nothing has changed. I have already requested a reinvestigation but now I am just requesting for the information to be deleted from my consumer file. I have included all information needed to verify my identity and to verify the actual reports from PACER.
Product: Mortgage

On the Rocket Mortgage website, consumers are prompted to apply for a quick decision and a mortgage as they provide their personal access to their bank accounts. Rocket Mortgage is a form a scamming site since it prompts for " Simplicity-Securely share your financial info at the touch of a button to get the most accurate numbers, Speed-Get approved in minutes, and Control-Adjust your down payment to find a solution that works for you '' All turns to be a huge XXXX and disappointment for the consumer. After submission of the application, the Rocket Mortgage at Quicken Loans have all personal information available - social security numbers, bank account, access directly to the bank accounts, addresses. At the end of the quick review, Rocket mortgage shows XXXX options of the loan amount with XXXX different rates. Then, the system urges the consumer to 'chat ' with the Rocket Mortgage Specialist. After the chat, the specialist denies the application even if the credit score of the applicant is good, even if the Rocket mortgage automatized system is showing that the customer is approved. It gets ugly when a customer starts asking questions as 'where is my application ' and why my mortgage application disappeared from your site? The role of the online mortgage officer is to make sure the Rocket mortgage does not have any record of any transaction. Then the customer is objecting and stating that it is not fair Rocket Mortgage to ask for bank accounts Before any pre-approval of the Mortgage application. The mortgage officer is terminating the chat. SUCH SCENARIO happened with me. I was denied Rocket Mortgage by the Quicken Loans Senior Mortgage Officer, while their automated system pre-approved me and at the same moment I applied for the regular approval at the Quicken Loans application for a mortgage which is separate. It was given the impression that I was pre-approved for a mortgage, but after the Chat with the Senior Mortgage Loan Officer, all applications disappeared.
Thus, I received an immediate Denial Letter by the Mortgage Online officer, and my credit score will be harmed due to their hard inquiry. More importantly, the Quicken
Loans - Rocket Mortgage has all my bank accounts and ACCESS to my bank accounts/account numbers and login information.
I feel something is very wrong and unfair in the above process of pre-approving customers. I thing that the Rocket Mortgage is scamming customers as asking for bank account information and login access to screen who of the customers has more finances to pre-qualify and deny applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

The debt was XXXX in a bankruptcy years ago an they are they to collect on the debt
Product: Credit card

Ive been watching this card very closely. I travel for a living and use for my hotels and food. What I noticed is pretty disturbing. When I use the card, my pending transaction will go against my account balance. Ive watched charges drop off of my account, but they are not coming off of my owed account balance. Pretty much double charging my account balance. Ive also noticed that when the pending transactions do post, they are being added to the account balance once again. I have called them and they cant seem to answer my questions. Like theyre just reading off of a script and have no clue how to answer these questions. Not sure what I can do about this. I will attach 2 photos. They are within a 24 hour period and the card hasnt been used.
Product: Debt collection

Someone produced fraudulent documentation to scam PayPal. There was no sale, or service transaction. It was a personal loan through a website called XXXX. This person loaned me funds for a small personal loan. I repaid them using my PayPal account. After they were repaid they filed a claim stating they weren't sent a product I sold them. I've never sold anything to anyone on line ever. I've tried to file a police report for fraud, but PayPal will not cooperate with the information the detective needs. This is a criminal matter, because it involves fraud. I've fought back, and forth with PayPal since XXXX. Two weeks ago I spoke to a representative on a recorded line who assured me this time my account would reflect a XXXX balance owed. Still nothing has been done. I've emailed numerous times, called, and sent the proof through my PayPal transaction history this person was repaid. I'm sorry PayPal got scammed, but I'm not accountable. They insist I owe them almost {$1500.00}. One charge for {$1000.00}, and the other is for {$500.00}. I keep calling/sending emails, and at this point I'm very disappointed in how they've handled this serious matter.
Product: Debt collection

The company 's response is not factual. My initial agreement ( attached ) XX/XX/2011 was with XXXX XXXX, not Weltman Weinberg and Reis. As I stated, XXXX turned the account over to XXXX XXXX XXXX without notifying me. When my checks were retuned to me, I called XXXX and they answered the phone as XXXX XXXX XXXX. When I asked them about my account, they had no record of me or any payments. That 's when I decided I had better hire a lawyer. I then provided cancelled checks and we agreed to resume payments to XXXX, not XXXX. Then several months later, I received a letter from Weinberg stating that they would garnish my account if I did not send them payments. I had never heard of Weltman. I then called Weltman and they told me the account was being handled by XXXX. I then called XXXX again and they said they had no record of me or any payments. I then called my lawyer again and we still do not have a resolution. I asked for a written confirmation from Weltman that clearly stated that my agreement was with them, not XXXX and that my payments would be properly applied and reconciled. I still do not have any confirmation, though I have continued to blindly make payments to Weltman because I do not want my account to be garnished and I do not want to incur more legal fees. I want XXXX things : I want a copy of a written agreement transferring the account from XXXX and XXXX, and I want credit for {$1200.00} in legal fees I have incurred because of the incompetence or negligent handling of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because there is an account on my Equifax report that does not belong to me. The account is with XXXX XXXX XXXX ; I have tried repeatedly to resolve this issue withe Equifax and have had zero success. In one of my recent disputes, they informed me that the account was verified ; howevever, they've provided no proof of their claim. I have asked for verification, but received none. 
Not only is Equifax reporting false information on my credit report, to my understanding, under Section 611 ( 5 ) ( A ) of the FCRA, they are to promptly delete all information which can not be verified. I am requesting that all information that this XXXX XXXX account, in which i have been trying to get removed for months, is removed, ASAP. 

Everytime that I have disputed this matter, their response is " The creditor has verified that this account belongs to you. '' I had no problems getting this issue resolved with XXXX and XXXX. A representative at XXXX told me that this is illegal on behalf of Equifax and that I could sue them for false reporting.