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

On XX/XX/2023, at XXXX, I transferred my cryptocurrency asset XXXX  ( XXXX ) for the amount of XXXX worth from my Coinbase Wallet to my primary Coinbase account. A few days later on XX/XX/2023, I attempted to send my XXXX asset to an external wallet ( XXXX  ) or back to my coinbase Wallet but the asset kept failing to send. On XX/XX/2023, I contacted Coinbase customer service and spoke with a representative that couldnt give me a response as to why the asset wasnt able to trade or send out of my primary Coinbase account. I have contacted Coinbase numerous times and have spoken to several representatives that seem to be giving me the run around on this issue with my account.
Product: Debt collection

1. The Solomon & Solomon send me a letter dated XXXX, XXXX, had been retainedby New Jersey XXXX XXXX XXXX Assistance. Notice of opportunity to contact within 30 daysto dispute the debt and statement they are debt collector. The letter was never sand regular or certified. 
2. I respond on XXXX, In that letter I asked Solomon & Solomon , PC. to validate the date. The letter stated to respond to a specific Notary Public, within 30 days. The leter was send by certified mail and received by Solomon & Solomon, Pc. on XXXX/XXXX/2015. 
3. I also pulled down my credit report and saw that this debt had been charget off. 
4.Solomon & Sollomon garnished pension of the co-signer, on the amount of {$2000.00} with out notifying me as primary creditor. ( This is a felony ). 
5. I was servet withlawsuit on XXXX, XXXX Solomon & Solomon regarding this maner.
Product: Money transfer, virtual currency, or money service

I filed a complaint with cash app on some unauthorized transactions they state that they gave me a number to call on the XXXX of XXXX when I dialed that number nobody answered it and it told me to go to the website to dispute any transactions which I did and cash app is trying to say I did not respond to the requirements which I did and I need my money back
Product: Mortgage

My house is in escrow and also up for auction by PennyMac. The bank has been unwilling to allow an extension since the house is scheduled to close five days past auction date. We are seeking payoff instructions but the bank has been unwilling to provide. I 've called daily and provided all necessary supporting documents. PennyMac has not provided any assistance to help us resolve the loan.
Product: Mortgage

Spoke with my mortgage servicer today, the additional documents and information that was requested XX/XX/2019 was submitted on XX/XX/2019. I was told by XXXX XXXX, Wells Fargo Customer Service Representative stated XXXX XXXX, the Relationship Manager received documents and verbal information by email and the file would be sent to underwriting. Today I was told by Wells Fargo Customer Service XXXX XXXX my file has set on the Relationship Manager desk and was never submitted to underwriting. They have not postponed the property foreclosure sale set for XX/XX/2019. I'm disappointed should I loose my home because Wells Fargo isn't processing my mortgage modification request, is this a practice to make the homeowner loose their homes by not updating the file with requested information.
Product: Money transfer, virtual currency, or money service

I am an Arizona resident and sold an item online to a buyer in Louisiana. The buyer paid me for the item using PayPal. PayPal immediately put a hold on these funds and demanded that I provide a tracking number for the item. They promised, in writing, that the funds would be released 1 business day after the item was marked as " delivered '' by the shipping vendor, in this case XXXX. XXXX successfully delivered and PayPal is still refusing to release my funds. I am due a total of {$640.00}. All attempts to contact PayPal have gone without any meaningful response. They've been unable to field phone calls for a week.
Product: Credit reporting or other personal consumer reports

This issue has not risen to identity theft as I do NOT consent to the reporting of this account. If this issue continues I will seek legal action. I have requested that this company show me proof that I was ever late on this account and they have not shown me any type of proof or conducted a reasonable investigation as it reports differently on each agency. See attached. Although without proof, this company believes that their reporting is accurate. Now I am requesting that this company provide the certified mail with green receipt that bears my signature stating that they have sent me in writing proper notification that they were going to furnish negative information on my report ( please note this must be prior to furnishing ) pursuant to section 15 U.S. Code 1681s-2 ( 7 ) ( A ) of the Fair Credit Reporting Act. I demand proof, if they can not provide proof then I demand they rectify. And if they do not rectify then I will sue due to noncompliance with the FCRA and Identity theft.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts being disputed : XXXX XXXX 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

On XXXX XXXX I visited a night club in XXXX XXXX. I was unaware it was a scamming business. I purchased only a XXXX XXXX which costed around XXXX USD. I was tricked into thinking that I was only being charged for this XXXX but once I handed my credit card over to the merchant at the restaurant he charged me over XXXX dollars. I didnt realize until I got home and I submitted a claim through Wells Fargo and they were unable to resolve it so it went to arbitration through visa. Visa sided with merchant and now Im stuck with this charge when I was completely scammed. I informed my bank that if you go on the XXXX reviews for the night club all of the reviews are calling them scammers and saying that they have done this with multiple people. I believe visa did not properly investigate this claim because this business is a complete scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax indicated that my information may have been hacked in the recent data breach.
Product: Mortgage

In XX/XX/XXXX my hours were reduced due to COVID-19. I was granted a 6 month forbearance on my FHA mortgage serviced by Dovenmuehle. I resumed payments in XXXX of XXXX. I reached out to the Loss Mitigation to select how to modify my loan and went with putting the payments at the back of the loan. When asking if there was anything to sign, I was told by the representative that he was taking care of things over the phone. I wish I knew then what I know now. 

I then received a loan modification packet, not knowing what they were I called Loss Mitigation again. They said not to worry about it and I could toss it. I then received two more loan modification packets. I started to get nervous, I signed all 3 packets and had them notarized and sent them back, this all happened in XX/XX/XXXX. I was able to reach Loss Mitigation again to confirm receipt of the documents, they confirmed. Please note it would take multiple calls and emails in order to reach anyone to speak with. 

As mentioned, I resumed payments in XXXX in XXXX and never thought twice about it again. That was until I went to refinance my mortgage. I was asked for a loan modification document to show when the forbearance started, ended and what terms were agreed upon. The lender also needed an updated loan statement. I realized I had not seen one in a very long time, I make online payments through my bank. I reached out to Dovenmuehle 's Loss Mitigation department. This time is was even more difficult to reach someone, after much frustration I get a call back. They have no idea of what I'm talking about. I started getting mail stating I was in default, how is that even possible with a loan modification?! At the end of all of this back and forth, it has become obvious that Dovenmuehle never completed the loan modification and are showing me behind in my payments, which I am not. I'm angry that they hold my ability to refinance my home, I don't know what else I can do. They will not call me back, I haven't heard from them now for 3 weeks even thought I try every day. 

Please advise what I can do.
Product: Credit reporting or other personal consumer reports

RE : XXXX complaint I have already sent information, directions, and Trans Union Consumer Relations Fiduciary duties to correct the XXXX ( XXXX XXXXt XXXX XXXX XXXX Beneficiary XXXX and all-caps cestui que trust name XXXX XXXX that need to show in the system when addressing the Cestui Que Trust Account with the correct information on the letter. This is a follow-up complaint since I have been getting letters from Tran Union Consumer they need information they have in their system already.
Product: Credit card

In XXXX XXXX XXXX and loans charged my American Express account {$450.00} without my approval they got my credit card information because I was trying to refinance my mortgage. I was going through another company called first rate mortgage who gave them my credit card information and told them to charge my card. I sent American Express the details but they kept taking quick and loan word over mine. You can check my credit report and see I pay my bills but I refuse to pay for charges I did not approve so I closed all my American Express accounts. Since than XXXX XXXX Mortgage went out of business I was approved for their loan but I cancelled it and went to another company for my mortgage. The report says American charged off {$670.00} in XXXX XXXX this was the charge {$450.00} that I disputed like 6 times and each time after about 3 months they kept putting it back on my card so i told them I was tired of dealing with them so do what you want I was not paying for something I did not charge to my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Wells Fargo refused and dishonored my attempt to make deposits of negotiable instruments which are permitted by law. Wells Fargo corporate office sent a letter on XX/XX/2023 stating that the instruments which were checks drawn upon me to be deposited on demand by law and contained all requirements required by USC 3-104 and are payable on demand. Laws governing negotiable instruments were provided and still refused which caused financial hardship because of Wells Fargo negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Provide Equifax with a statement provided from the Ftc stating they must block items on my credit report stating they must block the items that are fraudulent. Last chance. This time I do intend to sue for defamation or character and knowingly reporting false information. Will not tolerate blatantly being disrespected by Equifax. Will not contact you because there will be no proof of call. Block information or I will sue no more games Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past Two years, I have sent approximately ( 5 ) certified letters to Experian in regards to Two unverified derogatory accounts listed on my Credit Report ( XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX ... ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Experian disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. Experian has responded to my request by saying that these accounts have been verified. Experian has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness .... I also sent certified Debt verification letters to both XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX however I never received a reply back. Experian have ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking Experian reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern and dissatisfaction regarding the unauthorized sharing of my non-public personal information ( NPPI ) by SPEEDYCASH to NATIONAL CREDIT ADJUSTERS ( XXXX ), despite my explicit decision to opt out of such disclosures. 

On XX/XX/year>, I submitted an opt-out request to SPEEDYCASH as per my rights under the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6827 ) Requires financial institutions to protect consumers personal information and provide opt-out options for data sharing with third parties.

2. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681-1681x ) Governs how consumer credit information is shared and used, including requirements for consent and opt-out provisions.

3. Federal Trade Commission Act ( FTC Act ) ( 15 U.S.C. 45 ) Prohibits unfair or deceptive practices, including unauthorized sharing of personal data. I requested that my personal information not be shared with third parties. Despite this clear directive, I have become aware that my information has been disclosed without my consent, in direct violation of my opt-out request. 

This unauthorized disclosure is a serious breach of my privacy rights and may also constitute non-compliance with applicable federal and state privacy laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I've contacted XXXX XXXX & XXXX to verify this alleged debt using the CFPB platform, and I haven't gotten a response to date. I asked XXXX XXXX & XXXX for a breakdown of fees, including how they calculated what they claim I owe. A copy of my signature on a contract or document that holds me responsible for this alleged debt. Proof that they are licensed to collect debt in my state. To cease any credit bureau reporting until I have validated the debt as required under the FCRA. XXXX XXXX XXXX XXXX failed to respond with the requested proof, so I'm asking that their report be removed along with anything associated with it be removed from my credit report.
Product: Debt collection

I leased a car in 2016 and paid for 3 years through XXXX and XXXX partner company xchange leasing. All the payments for the lease were made automatically through my XXXX earnings. I leased the veichle for 3 years and made every single payment. A company called Rock Creek Capital , LLC and XXXX XXXX XXXX XXXX is claiming there is a balance owed from that lease, this is a false statement and incorrect. The company claimed that I canceled my lease early and there are fees but that is also false. I attached a screenshot of the terms of the lease from xchange leasing. As stated I paid all payments automatically through XXXX. When I returned the Veichle the leasing company informed me that I do not owe anything. This is some type of false debt. I spoke to the company after receiving the letter, they asked for proof that i owed this money and they never responded to me and never sent any proof. This needs to be resolved as its inaccurate information.
Product: Mortgage

In XXXX, l opened equity line of credit with Bank of America because I had over XXXX credit scores. At the time of application the property located at XXXX XXXX XXXX XXXX was titled XXXX XXXX XXXX XXXX XXXX XXXX and was approved for $ XXXX equity line of credit ; while the property located at XXXX XXXX XXXX XXXX was titled XXXX XXXX approved for $ XXXX equity line of credit. I was allowed to withdrawals {$25000.00}. Unknowingly, Bank of America staffs fraudulent in Delawares office sold the loan to XXXX XXXX, a private investor in Delaware doing business with Bank of America within XXXX XXXX building. XXXX XXXX the servicing company offered the mortgage and didnt offer me the opportunity to pay the amount owed. Currently, XXXX XXXX is servicer of the HELOC mortgage and demanding a payoff of over {$65000.00}. A payment of over $ XXXX was sent to make the monthly mortgage payment up to date but XXXX XXXX refused the payment and hoping to sell the property in sheriff sale scheduled for XX/XX/XXXX. 
The second property is not currently not current in making payments and the bank has fraudulently changed the title to read XXXX XXXX without my knowledge and refused to provide me with accurate monthly banking statements. Bank of America staffs are so unpredictable. In XXXX when I first filed chapter XXXX bankruptcy. Bank of America closed my savings and business account I opened with the bank since XXXX. I pleaded to reopen the account. My request was denied. It seems the bank is about to do the worst for fraudulently changing the names in the originally deed to my name and stopped to provide me with monthly statements to gain the chance take over the property for non payment. Before now, I once presented settlement offer of {$25000.00} but the offer was refused. I am still willing to make same offer to resolve the mortgage problem. 
Third incident involves XXXX XXXX XXXX and I was asked to service the loan with a signed power of attorney ( POA ). The property is located at XXXX XXXX XXXX XXXX, XXXX. I made efforts to keep the property for the family by engaging in settlement negotiations. Finally, Bank of America obtained judgment and appeal was filed and reconsideration motion was also filed. The bank connived with the Attorney and illegally sold the property without proper procedure. I have not heard from the bank to know if the property was recovered.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Dispute of Debt Reporting by XXXX PROGRESS Account Number : XXXX Amount : N/A ( Account Status : Closed ) To Whom It XXXX Concern : I am filing this complaint to dispute the continued reporting of an account by XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. The account number in question is XXXX, and it has been closed. The account is currently 7 years and 3 months old. 

According to the Fair Credit Reporting Act ( FCRA ), accounts should not be reported on my credit file beyond 7 years from the date of delinquency. This account is 3 months past the XXXX reporting period, and therefore, it should be removed immediately. 

I kindly request that this outdated and inaccurate account be removed from all three major credit bureaus ( XXXX, XXXX, and XXXX ) as it is no longer legally allowed to be reported. 

Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit card or prepaid card

1st I received an XXXX mastercard by Synchrony Bank which I never applied for on XX/XX/2019. 2nd the card was sent to my nieces address in XXXX, NY XXXX. I live in XXXX, NY. Tried calling XXXX which was given to my by chatting on XXXX Mastercard website. I called the # and was on hold for over 1/2 hour.