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

XX/XX/XXXXXXXX  Complaint Summary and XXXX  I opened an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX following identity verification XX/XX/XXXX. Upon linking my savings account and funding the exchange account, I began to acquire XXXXXXXX XXXX  and XXXX XXXXXX/XX/XXXX. On XX/XX/XXXX, I completed a small test transfer of XXXX to my self-custody cold storage wallet without any problem. I attempted to initiate a follow up transfer and received an error message. After multiple unsuccessful attempts to transfer, on XX/XX/XXXX, I put in a support request for assistance. At no time was there any indication in these error messages of a potential security hold, nor did I receive any communication from XXXX XXXX notifying me of the hold. 

With XXXX XXXX XXXXXXXX being a licensed regulated Exchange, and knowing I have not violated their terms of agreement, nor had I violated any laws, I believed a release of the hold was forthcoming, continued to acquire virtual currency through XX/XX/XXXX. On XX/XX/XXXX, after the promise of an expedited resolution XX/XX/XXXX, XXXX XXXX, I came to believe XXXX XXXX may drag this out indefinitely. Worse yet, close my account and force me to sell my currency at a loss. In fact, On XX/XX/XXXX, they did, suggest I could sell my currency for XXXX. Of course, this was not an acceptable resolution as I had paid them {$3800.00} in fees, and acquired {$250000.00} in virtual currency having paid a total of {$250000.00}. My intent for this investment was long-term hold, but with the volatility of the market, this would result in a substantial loss. Additionally, there was no offer to credit the fees they were paid. 

While I did search for reviews on this company before selecting to go business with them as an exchanger, after experiencing the difficulties I have, Ive researched XXXX XXXX via many search engines. This process has revealed there are many other consumers experiencing same/similar problems I also searched several other exchanges the same way, and did not find anything like what I found for this company. Im including print screens of customer reviews, and BBB info to demonstrate there may be broader problem with XXXX XXXX, than just my complaint. 

As of the date of this complaint, it is now 65-days since the problem began, with no sign of resolution. Additionally, I would like to point out that there was no reason for this company not to request all information it would need in the first response instead of staggering out each request by multiple weeks in-between.
Product: Debt collection

Sent verification letter to XXXX XXXX XXXX on XX/XX/2019, never recieved verification on Debt. Wrote original creditor XXXX XXXX and the sent letter back saying they had no information on me.
Product: Mortgage

I have asked for a history of our payments twice now so we can see what we have paid in late payments, how much we owe and when we can get our PMI dropped. Both times they have told us due to our bankruptcy judgement they can only send us XXXX type of history but not what I am requesting, yet neither time that they have said they will send us what that can have we received anything. How can I get some information about the mortgage we are paying on, some what to see what we have been paying and how those payments are being applied. They seem to be able to send us info on our escrow account, when those payments change, how come we ca n't get any info on the mortgage Itself? 

XXXX
Product: Debt collection

To Whom It May Concern,. 
Pressler & Pressler , LLP placed a wage garnishment against me and my employee pay wages. for a credit card debt that I do not owe nor own. Pressler & Pressler garnish my wages from my employment without my knowledge. I Did not receive no court dates to be aware of what my pay check was being garnish for and the percentage. I arrived at my job to start my day. An envelope with confidential stamp on it. that 's when I was aware that Pressler & Pressler garnish my pay check for a debt I do not owe. I file For a motion to go into court on my own. and attorneys were not present in court. but wage garnishment is still being deducted from my paycheck. For a debt I do n't own nor owe. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a repeated victim of identity theft. Ive filed a report with the XXXX XXXX XXXX Police Department. Case # XXXX! Someone has also filed unemployment in my name. 
The following accounts are fraudulent 1XXXXXXXX XXXX XXXX XXXX {$1600.00} 2. XXXX {$580.00} 3. XXXX XXXX ( XXXX ) {$380.00} 4. XXXX XXXX XXXX {$590.00} Ive never done business with these company or entered into a signed contract with these companies. All list accounts are fraudulent!!
Product: Vehicle loan or lease

I requested a payoff of my husband 's ( XXXX XXXX ) vehicle from XXXX Credit card company to CNAC on XX/XX/2020 in the amount of XXXX. I check from XXXX was mailed to CNAC on XX/XX/2020. The transaction cleared my account on XX/XX/2020. On XX/XX/2020 I received a call from CNAC that the check had not cleared and that it returned. I was then asked to pay the total balance of {$7100.00} in which I refused due to me actively making payments on that same amount with my Credit card company. With CNAC on the line, I called XXXX rep who stated check had been cleared and cashed already, CNAC rep stated the check returned and a new one would need to be submitted. XXXX did not agree so they did not resend payment, but they did mail me a copy of the check that was sent out to CNAC. CNAC also mailed me a copy of the returned check letter that they received from XXXX XXXX XXXX. When speaking with both companies as well as XXXX XXXX XXXX, no one can seem to account for the missing funds. In the meantime I have been responsible for paying both XXXX credit card AND CNAC, in which I can not afford to do. It has been 3 months now and no one can tell me where the money has gone. I have been battling with both companies to help me resolve this issue and it has yet to have a proper resolution. There is no way neither XXXX, CNAC, nor XXXX XXXX XXXX  can tell me where the money is. I need to fix this asap as this will start to affect my husband and I credit reports, because if I don't pay XXXX they will report and If I don't pay CNAC they also will report. I am literally stuck between to companies who should be able to easily remedy this but has not.
Product: Mortgage

Just spoke with a customer care person approximate a XXXX XXXX   today Select Portfolio Servicing XXXX XXXX she read to me the letter they sent to me on yesterday stating that my mortgage was always a Conventional mortgage loan XX/XX/XXXX which is false It was always a FHA  mortgage loan and only can be sold as a FHA   mortgage loan.Some one refinance my FHA  mortgage loan to a Conventional mortgage loan. I was not in default Of the loan which was current and was current with mortgage insurance with FHA. The Florida Housing Administration paid on my mortgage XXXX to XX/XX/XXXX therefore I always had an FHA mortgage loan never changed it. How did my FHA mortgage mortgage loan get refinance to an Conventional Real estate mortgage loan In XX/XX/XXXX when Florida Housing Administration ( FHA ) was paying on my mortgage loan? And the Appraiser property office staff person stated to me that the folio number and instrument number was alter/changed from the original number thats in the court docket thats under confidential for the XXXX property taxes. and personal do not make mistakes to those numbers, Its in the court location docket where the public can not review it, only staff personnel has access to those confidential documents. Also when I first spoke with the customer care person she said that my loan was set up for attorney review to take action for payment I take this as a threat or retaliation because Im only XXXX  days past due for XXXX XXXX. And she continued to ask me when will I get this caught up and I explain to her I am still in a dispute and this is still not resolved. And furthermore I read on your website that you have be at least 120 days late before they can take any action and while there is a dispute they are not to be harassing you or threatening you about payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many attempts to resolved matters with 2 fraud accounts reporting on my credit report and incorrect account information and inaccurate late reportings to no avail. Please assist in getting the following incorrect information removed from my credit report. I have been dealing with this matter for many months. 

Please assist me in removing the following items from my credit reports : Fraud Accounts : Unknown accounts on XXXX - Acct # XXXX & XXXX Inaccurate late reportings : XXXX, XXXX XXXX, XXXX XXXX on XXXX, and XXXX Unauthorized Inquiries : XXXX, XXXX, XXXX, XXXX of XXXX, XXXX XXXX of XXXX, XXXX XXXX XXXX, XXXX, XXXX,
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account CITIMORTGAGE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CITIMORTGAGE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX account number XXXX with a balance of {$680.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting or other personal consumer reports

Record details Record type XXXX  XXXX bankruptcy dismissed Date filed XX/XX/year> Date resolved XX/XX/year> Responsibility Individual Reference number XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX Washington , DC XXXX Dear Sir/Madam, I am writing to file a report regarding inaccuracies on my credit report. According to my credit report, there is a bankruptcy filing listed that is inaccurate and should not be there. 

Description of Inaccuracy : The bankruptcy listed on my credit report is inaccurate because the United States Bankruptcy Court did not report it to the credit bureaus. I have confirmed with the court that they did not report this bankruptcy filing to the credit bureaus. 

Documentation : Enclosed are copies of supporting documents that prove the inaccuracies in the bankruptcy information on my credit report. These documents include correspondence with the United States Bankruptcy Court confirming that they did not report the bankruptcy filing to the credit bureaus. 

Request for Action : I kindly request that the FTC investigate this matter and take appropriate action to remove the inaccurate bankruptcy information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), if the United States Bankruptcy Court did not report the bankruptcy filing, it should not be listed on my credit report. 

Contact Information : Please feel free to contact me at the phone number or email address provided above if you need any further information or clarification. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Mortgage

I called Shell Point Services on XX/XX/XXXX and requested an escrow analysis. 
I was informed that I would receive it by mail and email within 5-7 business days. 
I called them again on XX/XX/XXXX to find out why I had not received the analysis. I was told it took 30 days.
Product: Vehicle loan or lease

I the consumer and natural person was denied credit by Exeter financial. When I apply for credit.I was denied ( the equal credit opportunity act ) adverse action against the consumer is against the law, which is : 15 usc 1091c. And is pursuant to civil liability under 15 usc 1602 Also violating 15 usc 1642 15 1681m an 12 cfr 1002 because I the consumer made an application in good faith but credit was not issued My social security number defined as a credit card 15 usc 1602. Proof of fraudulent activity on behalf of ally financial Exeter financial fails to resolve this matter or compensate me for the use of my securities. I will hold Exeter financial criminally a civilly liable for all actual damages pursuant to 15 usc 1681 an 15 usc 1681o. I will follow up with an invoice for XXXX per violation XXXX XXXX XXXX XXXX ( without prejudice )
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report.
Product: Student loan

I submitted secured messages to Mohela saying I was unable to get customer service to help me and also unable to reach out to a supervisor. And also that it is difficult to use the phone system which also has long hold times. 

I uploaded documents that should prove that Mohela incorrectly denied my PSLF. I requested that mohela review my account again and get this corrected Their response was that I need to call in to their phone system to speak to a customer representative. I reached out via secured message in hopes I can get Mohela to finally address my issues but they diverted responsibility again and did not provide any service or even tried to address my issue... basically we are back at square one. 

Also the response took 10 days when it should only take 3 days I am not sure why I have to call in about this. Your response was basically I have to call in... then what is the point of having secure messaging? Isn't secured messaging a way to reach out to Mohela customer representative? 

I uploaded the documents needed. I was thinking I could message Mohela to request that they get the appropriate dept to review my documents that should apply my PSLF that was incorrectly denied. 

I do not want to call in because the hold times are ridiculous and I've had trouble calling in and have had no luck getting this resolved over the phone. 

Customer service points the finger at XXXX to do IDR adjustments when they have already done these and they keep telling me to wait. 

They did not provide me with a means to rectify their incorrect denial. They said I do not have enough qualifying payments even though I have more than double required. It is not showing in their system. I finally went out and got the info myself even though they said there was nothing I could do about it because I have to wait for XXXX even though XXXX already reviewed my account so nothing was ever going to get resolved Secured messaging is an avenue for contact with Mohela, I am not sure why you are diverting responsibility and requesting that I reach out to Mohela via phone to get this figured out when that is exactly what I am doing with secured messaging. 

Please explain why you are unable to get the correct person from XXXX to work my case. I have uploaded documents proving that I have more than enough qualifying payments. 

These issues have been going on for over a year and a half!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an INVESTIGATION of this account, and they treated it as a DISPUTE. I never gave written consent for this account to be furnished on my credit report. Therefore my rights have been violated. They closed the INVESTIGATION with the excuse that the creditor verified the info was right, but how could it be right if I never gave written consent for this account to be furnished? Also I dont believe their INVESTIGATION was done right, as they were calling it a dispute, Im not disputing the information Im telling you that the information should not be furnished because I did not give consent. In accordance with the Fair Credit Reporting act 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: Checking or savings account

On XXXX/XXXX/2017 a {$5000.00} ach wire was sent to my checking account. The checking account had closed on XXXX/XXXX/2017 I did not know this as there was nothing on line to indicate account was closed. On XXXX/XXXX/2017 I called the bank was told to go to branch open new account. When at bank was told money would transfer XXXX/XXXX/2017. I called bank on XXXX/XXXX/2017 when money not made available I am told that they took care of overdraft {$450.00} but I not given access to funds. I am told money will be made available after 15 day hold for check to clear. I remind that this wire not check .Told me will hold till XXXX/XXXX/2017. I also complain that know where on line does it show that {$450.00} was paid or that holding {$4500.00}. On XXXX/XXXX/2017 I go to branch am told money will not be made available till XXXX/XXXX/2017 will mail a check. I offer letter from ach company to show money went threw was told does not matter. I understand a few day hold as account was overdrawn and closed but not almost a month to mail a check. I understand half of this my fault for over drafting account and letting it close. However I received nothing in mail or show on line account closed. Because of this I can not go on vacation I paid part cant pay balance. Mortgage and car insurance not paid. Still not have anything showing bank is holding my money
Product: Credit reporting or other personal consumer reports

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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.