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

I have a cryptocurrency investment account opened through Coinbase that had been perfectly fine for a long time. My balance in the account was around {$6000.00} when I was informed on XX/XX/XXXX at XXXX XXXX that my account had been compromised and there was a password change as well as initiation to withdraw my funds. I immediately called Coinbase and locked my account, ensuring that my money was frozen and none of the transactions were to go through. I was ensured my money was safe and all I would have to do is recover my account through my email. However, I stopped receiving emails from Coinbase through this email since my account had been compromised. After weeks of attempting to recover my account, I had created a new account for Coinbase to safely transfer my funds over. However, after the funds were transferred I found out there was only about {$100.00} in my new account. I had lost the rest of the funds after I was told they were frozen and safe. Even though I had immediately called to freeze my funds and cancel all unauthorized transactions and was assured they were cancelled, they still went through. Not only had the company lied to me, but they also lied to my financial advisor at my local bank.
Product: Money transfer, virtual currency, or money service

XXXX alerted me that PNC made a change prohibiting me from linking my checking account to XXXX for easy money transfers. Not everyone uses XXXX as PNC does, and XXXX is by far the easiest way. This seems like PNC is trying to monopolize this market and I am not ok with that. If this doesn't change, I will definitely be pulling all my accounts from PNC. This bank has gone down the drain in the last few years and I am fed up.
Product: Credit card or prepaid card

I had a care credit account issue by Synchrony Bank. My account has been paid off and closed for quite awhile now. It appears that care credit has been reporting a delinquent account to all 3 credit agencies. I have reached out to them last year regarding this issue and let them know that I do NOT have another account. They did confirm that it appeared my name was attached to someone else 's account. I did report this as fraud and they were to remove this. I believe this was done but then placed back on to all 3 bureaus. I have reported this as identity theft and this company won't correct this.
Product: Debt collection

I respectfully ask that you conduct a comprehensive investigation into this matter, recognize the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX reported a collection on my credit report stating I owe {$2500.00}. I never had any accounts with them or gave them any permission to report anything about me. I never received any notification of anything from this company. The company is reporting the account was opened XX/XX/XXXX in which as previously stated I never opened any accounts with them or received any notification on any attempts to collect any debt.
Product: Mortgage

Wells Fargo Bank sold my mortgage while it was in foreclosure to XXXX XXXXXXXX XXXX XXXX they were paid by this company for the loan then they ( XXXX XXXX XXXX XXXX ) turned around forced me out of my house and I had no contract with them that is why I never went to court because the court hearing was regarding me & XXXX XXXX XXXX XXXX & not Wells Fargo mortgage although Wells Fargo started the foreclosure process Wells Fargo got paid from XXXX XXXX XXXX XXXX  for the house so they're paid off according to the fair debt collection practices act ( fdcpa ) I have proof that they ( WFHM ) did not apply my payments according to Wells Fargo 's own mortgage activity statements that I received from them I have proof that they did not apply any of those payments a lot of them were not applied and this is probably why I was thrown into foreclosure and it looked like I was not paying the taxes
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Agency act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681. 

XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # 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 an 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, other than records of convictions of crimes which antedates the report by more than seven 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: Mortgage

Wells Fargo denied my HAMP modification. I have already filed this complaint twice each time I have received a response back from Wells Fargo does not make sense, is incorrect and inconsistent. The last response I received basically said that they denied me because I was in bankruptcy. According to the guidelines for Hamp, being in bankruptcy does not disqualify you from being approved for the modification. 
Wells Fargo is doing the exact same thing they did to me in the past. They did everything they possibly can to deny me of a modification. And today they are doing everything they can to keep from paying me from the class action lawsuit..
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my person
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complaint to inform you that the Credit Bureaus neglect to correct these accounts in my credit file, I never been late in paying, so the current status should not be showing late because I paid it on time. Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct them immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise correct these accounts immediately : US DEPARTMENT OF EDU XXXX Opened XXXXXXXX XXXX XXXX Balance {$1500.00} ; US DEPARTMENT OF EDU XXXX Opened XXXX XXXXXXXX XXXX Balance {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a Victim of Identity Theft and opened Fraudulent accounts from the year XX/XX/XXXX until XX/XX/XXXX. I  have paid a credit repair service, I have directly disputed this with them on numerous times and can not seem to get help resolving this. I have even filed a report with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item on my credit report that XXXX XXXX XXXX Equifax, and XXXX keep reporting as delinquent. This item was XXXX in a chapter XXXX bankruptcy, all they have to do is research the XXXX XXXX XXXX, XXXX XXXX. I 'm sick and tired of the companies trying to keep me from fixing their errors. My old dispute over a month ago still has not been resolved # XXXX With XXXX XXXX XXXX, it 's an open and shut case but their stalling. If they ca n't find the information then they should have deleted it.
Product: Debt collection

the was received on X/XX/2017.
I am disputing this amount in FULL.
remove my name and alleged debt from your files. it was already addressed and resolved in previous years. thank you. XXXX XXXX XXXX attached document.
Product: Checking or savings account

On XX/XX/XXXX I deposited an insurance claim check from XXXX for XXXX in the ATM and forgot to endirse the check and now Wells Fargo is holding the check for 10 days before processing it again.
Product: Mortgage

Long bridge financial services is charging me for extra insurance and took upon themselves to pay for my property taxes last year with our my consent also put a foreclosure and charged me for lawyers fee after I had already worked a payment plan with them
Product: Debt collection

I recently submitted a complaint for portfolio recovery in regards to suing me without serving me or communicating with me about this legal matter. They violated the XXXX  order in place for them. Portfolio recovery updated their account to closed in XXXX, however they didnt delete it off my report still leaving a negative mark. In addition, they did not update my XXXX report. Termination of collection authority prior to payment of the debt requires, under the instructions in the CRA reporting manual, that the debt collector also delete their reported collection.
Product: Mortgage

I had a mortgage with XXXX that was sold to Nationstar Mortgage back in 2014. I had a loan modification with XXXX, with an agreement to have the Dodd-Frank certification to reduce my mortgage by XXXX per year for paying ontime. Nationstar keeps telling me that they do not have the papr work. I submitted the documents several times. I sent them by certified mail. Sometimes they tell me they have all the documents, then they tell me that they have lost all the paper work. It is frustrating. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I have been submitting numerous CFPB Complaints against the Credit Reporting Agencies and yet they have made nothing! The Fraudulent accounts and information that I have been asking them to verify and remove are still reporting on my Credit file! I have previously sent a dispute letter addressed XXXX the Credit Bureaus and that was my sixth attempt to notify the Credit Reporting Agencies that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Under the Fair Credit Reporting Act section 605b, the Credit reporting agencies are expected to remove any accounts and information that resulted due to identity theft, but in my case, the Credit Bureaus have been doing nothing! I am now submitting this CFPB complaint as a XXXX to the Credit Bureaus that in the event the still do not remove the disputed accounts and information, I will be filing lawsuit. This troubles me as much as it troubles the Credit bureaus, if it is not too much to ask, I would prefer the Credit Bureaus remove the following fraud items than filing a lawsuit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

My ex wife, signed my name to a credit card as a co owner. I never knew, until I got a letter from her bank, this was in 2008 I showed it wasn't my signature, and thought that was it, she filed bankruptcy on it, and now 16 years later I'm, having my pay garnishment, I filed a police report. 
I have a wife now who is XXXX. And I only work
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently there has been a data breach which is the reason why I filed out the identity theft report with the XXXX County Police Department as well as the FTC report because I did not authorize these inquiries on my credit and I need to get these inquiries removed from my credit report immediately.
Product: Credit card

I have been getting collections from Resurgent and LVNV about an alleged fingerhut account I never had or benefited from and its damaging my credit. I recently learned I was a victim of the XXXX data breech, see attached and filed a FTC id theft report. I would appreciate these accounts being taken off my credit bureau asap as they are incorrect and not mine.
Product: Debt collection

I applied for an apartment, and was denied due to a debt I was unaware of. So on XX/XX/year> I contacted the XXXX of XXXX directly and they had NO record of the debt. Then I contacted MARS the collection company that is trying to collect said debt in the amount of {$1600.00} on XX/XX/year>. 

I requested that they send me the original contract with my signature on it and the payment history to the address they had on file for me. They then stated they were not allowed to send that information but they would see what they can do. They sent me the attachment below by email.
Product: Credit card or prepaid card

I booked a hotel, paid online. I was then refused a room and refused a refund. I filed a complaint with my bank they refused to refund. I filed a complaint with cfpb and was refused a refund. I filed a second complaint with cfpb and was informed that a chargeback had been issued to the merchant and I should have a refund within 90 days. Its been 90 days and still no refund. Called chime directly and got a run around for an hour on the phone.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

Freecreditreport.com fraudulently charged me to obtain my XXXX credit scores. I had no notice that I would be charged and was assured that I would NOT be charged as long as I cancelled the membership within 7 days.
Product: Credit reporting or other personal consumer reports

I'm contacting you in regards to Account # XXXX with the company Credit Acceptance. I submitted a complaint on XX/XX/XXXX with the CFPB about this account, as a result Credit Acceptance agreed to close the account. According to the response on XX/XX/XXXX it was stated : Nevertheless, at this time, we have made a business decision to close your account. No further payments are owed. We will also submit a request to the three major credit bureaus to which we furnish information to update our reporting to reflect the account closure. Please allow up to sixty ( 60 ) days for this update to be reflected in your credit report. Although we will not delete the tradeline associated with your account, once we report your account as closed, we will no longer furnish information to the credit bureaus. Currently my XXXX account reports that the account is active, and have been reporting as late since the arrangement. I opened a dispute with XXXX and have yet to get a response. The inconvenience is causing a negative effect to my score in the process of me rebuilding my credit. I spoke to the credit monitoring department at credit acceptance yesterday and the the representative mentioned that it is a possibility not a promise that the account may be removed as of XXXX of XXXX. I'm asking that this account be removed from my complete credit profile via : XXXX, XXXX, and XXXX due to the violation and reporting false information. Thank you
Product: Debt collection

Since XXXX XXXX when we realized our mortgage had once again been switched over to another company ( XXXX XXXX XXXX ) ; we have faxed ( XXXX XXXX, XXXX ) them the information they needed to do our loan modification, emailed them XXXX times, and then mailed them all of the same information that was faxed to them on XXXX XXXX, which they received on XXXX XXXX, XXXX according to the tracking number. Every time I contacted XXXX XXXX services, after I had sent them the information they requested I was told they still had not received the information they needed to do our loan modification. 
When I spoke with XXXX XXXX on XXXX XXXX, that was when she informed me she still had not received the mailing, and then sent the email to the party who signed for it to try and locate that mailing. We then agreed upon a payment on XXXX/XXXX/XXXX Payment Applied {$1000.00}. When I then called in to see if anything had been done about the mailing I ended up having to call 4 times, and made sure they entered the tracking number with the persons name who had signed for it to be documented in our record. To this day nothing has been settled to have them modify our loan due to their negligence and inability to notify us of any help that we need so we can make payments we are able to afford. Even after calling that day 4 times, XXXX XXXX has not returned any of my calls even when I 've left messages for her to contact me. 
Thank you for your time
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX - XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried countless times to get respite from Lexis Nexus with reference number XXXX. The website gives me an error message, the phone service doesnt identify my responses nor my voice. An option to speak to a person alive is not available. I need my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I was reviewing my credit report and I seen several errors on my report. My XXXX XXXX Discharged was final on XX/XX/XXXX. There are several accounts still showing that need to be removed. I am sure it was just a misshapes that it was not properly updated correctly. I have attached a copy of my 1.PHOTO ID 2. Bankruptcy XXXX # 2:17-BK-51306 3. XXXX XXXX XXXX XXXX. 
3. ATTY : XXXX XXXX XXXX 4. PHONE : XXXX. 
5. ACCOUNT TO BE REMOVED ( SEE ATTACHMENTS ) 6.XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX U.S. Code XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX Code XXXX ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code XXXX ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX U.S. Code XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and FCRA XXXX ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX Code XXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX U.S.C. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

I was at Bank of America around XXXX today to deposit cash into their atm outside the XXXX XXXX/XXXX  branch. The machine freaked out, kept my debit card and ate 63x {$20.00} = {$1200.00} in total. I spoke with the manager at the bank and called their support line, but there is absolutely no guarantee that I will be able to get my money back. There is footage of me sticking a big bunch of cash into the machine and then just standing there wondering what happened. This is really disconcerting that a machine would do this and that a branch does not have the power to fix it on the spot permanently. Now I have to wait in limbo for 45 business days before knowing if they are able to rule in my favor.