23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX my broker XXXX XXXX XXXX XXXX : XXXX, NMLS : XXXX from XXXX XXXX XXXX sent a request to Wells Fargo for subordination documents. The {$250.00} fee was paid the same day. Though Wells Fargo states this process will take two weeks, as of today XX/XX/2020, I still haven't received any documents though they are aware my refinance deadline was XX/XX/2020. I have called Wells Fargo numerous times and sent numerous faxes and escalation emails. Their brokerage department tried to coerce me to stay with Wells Fargo, though the rate it is much higher for refinance. I believe that due to my refusal to remain with the bank they are refusing to provide me with the documentation to close the new loan. This is not the first time when I was pressurized by Wells Fargo. I was told if I move my 401K with them, they would give me a better loan rate and would allow me to keep my HELOC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX XXXX  XXXX XXXX {$21000.00} XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Victoria 's Secret has not closed my online account as requested please help close my personal information is online and I no longer have same email address
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 Experian credit reporting agency XXXX XXXX credit reporting agency and the XXXX reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX ( Account Number : XXXX ) o Current Balance : {$6100.00} o Status : Closed, " Charged Off as Bad Debt '' o Last Payment Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( Account Number : XXXX ) o Balance : {$200.00} o Past Due : {$88.00} o Status : Closed, " 120 Days Past Due '' o Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) o Original Creditor : XXXX XXXX o Balance : {$210.00} o Status : Collection Account, " Paid Off '' XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) o Original Creditor : XXXX XXXX o Balance : {$390.00} o Status : Collection Account, " Paid Off '' XXXX. XXXX ( Account XXXX XXXX ) XXXX. XXXX ) Account XXXX XXXX ) XXXX. XXXX ( Account XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX Account Number XXXX ) These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft 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: Checking or savings account

Account not being accurate causing to go into overdraft and late fees.
Product: Money transfer, virtual currency, or money service

There are false/misleading advertising methods used by Coinbase for its  referral program. In XX/XX/XXXX during the height of the cryptocurrency craze, I was referred to Coinbase by a website dedicated to sharing information about Bitcoin and other cryptocurrencies. Upon signing up, Coinbase told me, " Introduce a friend to Coinbase. You will both get {$10.00} of free Bitcoin when your friend buys or sells at least {$100.00} of digital currency. Learn more. '' After I signed up, verified and confirmed both my account and identity, and purchased at least {$100.00} worth of Bitcoin, Coinbase has been giving me a million and one excuses under the sun as to why they can not issue me the {$10.00} as promised. I have been inquiring about this issue for well over a year and absolutely nothing has been done. I reached out to Coinbase online support at least twice with the same, tired, generic unhelpful responses to my issues. 

In XX/XX/XXXX, I called Coinbase and spoke to a representative named XXXX and a supervisor named XXXX. Both were unhelpful and all they could do was decline me proper assistance, " understand '' and " apologize. '' They verified that I was referred, but they say because it is their " automated system '' that makes the final decision, that I am not entitled to my promised {$10.00}. So it's okay to XXXX over loyal customers, especially as long as you endlessly " apologize '' for the inconvenience and blame the inconvenience on the automated system that you refuse to fix, right Coinbase? 

I am absolutely disgusted with this company and their lack of competence and ethics. This is similar to bait and switch tactics of other companies and it is highly unethical for Coinbase to not take accountability for their wrongdoing whatsoever in this situation. They hide behind their " automated system '' that they have created to refuse customers their rightfully earned {$10.00}.

How is a business even allowed to operate this way? How can a business have zero regard for their customers? Coinbase can operate a site, a whole trading system, etc yet they can't issue {$10.00}? Futile apologies simply do not solve problems. My expectations STILL have not been met and this is extremely unfair to the customer.

I filed a complaint with the XXXX XXXX XXXX and Coinbase refuses to reach out to me and the XXXX about this issue. The XXXX actually tried to contact Coinbase twice and had to close my XXXX case due to " no response. '' Coinbase also closed all of my Coinbase cases and marked them as " resolved '' against my will.

I have been in a few similar situations like this before with other companies and it was always determined that the company was in the wrong and they paid me accordingly. So I'm going to need Coinbase to fully cooperate and give me what's due. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred .Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent cfpb findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


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 XXXXXXXX XXXX : {$11000.00}
Product: Debt collection

Original verification request sent certified on XX/XX/2023. Letter signed for on XX/XX/XXXX. I received a response letter on XX/XX/XXXX that included an itemized document which, per FTC opinion letter from Attorney XXXX XXXX XXXX, does not constitute verification. Second request sent certified on XX/XX/XXXX, with mention of opinion letter. I have received no correspondence since then.
Product: Student loan

My student loans were transferred from Great Lakes Borrowers Service to Nelnet this year. Ive yet to receive my full payment and loan history from Nelnet. When I request it, instead of providing the information in a PDF, in an email, or through traditional mail, they send me a message to my Nelnet inbox on their website. The problem is, messages sent to my Nelnet inbox are not accessible. There is no way to view the contents of any messages they send me. Clicking an unread message does not open it, it just marks it as Read. 

Additionally, on XX/XX/XXXX, I noticed a mistake in my loan information on Nelnets website. Ive attached a screenshot, but essentially they have categorized one of my XXXX loans from XXXX XXXX XXXX as a XXXX  loan from XXXX XXXXXXXX XXXX This is clear because their website indicates the disbursements for this loan occurred in XXXX and XXXX. I attended XXXX XXXX from XXXX. Since there are different procedures regarding XXXX student debt and XXXX  student debt, there are potentially serious financial ramifications mistakes like these could cause for me. Since I am unable to access my complete loan and payment history, I have no way to check if Nelnet has made additional mistakes regarding my loans.
Product: Credit reporting or other personal consumer reports

The specified account are reflecting negatively with late payments despite my consistent history of being a responsible and timely payer. Please remove these entries from my credit report immediately.
Product: Credit reporting or other personal consumer reports

To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, but also damaging my financial well-being. 



The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account Name : Wells Fargo XXXX XXXX 3 accounts ( see document attached ) In light of reviewing my report, there is reason to believe that I have been subjected to discriminatory practices, hopefully you are aware Equal Credit Opportunity Act ( ECOA ), Title 15 of the United States Code ( USC ) Sections 1691 et seq., and regulations such as Regulation B ( 12 CFR 1002 ). Which Wells Fargo continues to create fraudulent deals with the public. If it was not for that, I am not sure why else it would be on my credit.

This account is listed as a sold off account on my credit report but I have never received a 1099C for this sold off debt. I also never agreed in any sale. Can you also provide me with a 1099C to accurately reflect this for tax purposes and please update my credit report accordingly or delete immediately? Please update who you sold it to with the same record. 



I appreciate your prompt attention to this matter and look forward to a resolution that reflects the accuracy of my credit information. I appreciate your prompt attention to this matter, as this effects my income, homeownership, and to obtain employment. Please consider expediting this process for me. Thank you.
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand the removal of the incorrect information ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting 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 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 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: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$14000.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On Monday XX/XX/XXXX I called into Freedom Mortgages ' ( FM ) customer service line to discuss my options for difficulty paying due to my job loss and my co-borrowers inability to collect rent from tenants due to their work/coronavirus related hardships. I was advised that I'd need to send in a list of information and documents for review and consideration of possible loan hardship options ( request list is attached ). I received the list of requested info on the same day. 

Everything was submitted as requested on Tuesday XX/XX/XXXX via email and snail mail. Over the following 2 weeks, I reached out to Freedom Mortgages ' customer service line for a status on my hardship request and was advised that additional information was needed. Shortly afterward, I received a letter outlining the specific information needed and proceeded to submit that to Freedom Mortgage. 

On Tuesday XX/XX/XXXX I called for a status update and was advised by Freedom Mortgage rep XXXX ( ID # XXXX ) that all that was needed was a corrected IRS Form 4506-T, which I submitted same day via email. ( Note : the form they provided was from XX/XX/XXXX. The IRS website has the most updated form that explicitly states that taxes can no longer be sent to 3rd parties. Perhaps FM is providing old forms to customers to circumvent this and have people send their taxes directly to them? ) I called again for a status on Wednesday XX/XX/XXXX @ XXXX EST and was advised by XXXX ( ID # XXXX ) that FM had everything needed and review would commence on Thursday XX/XX/XXXX. 

I called again on Friday XX/XX/XXXX and was advised by XXXX ( ID # XXXX ) that FM now needed updated bank statements ( are they purposely prolonging the process to get more info? ), signed and dated tax returns ( which was already submitted ), and a letter of explanation for a specific deposit amount on one of my co-borrower 's bank statements. All was submitted on Tuesday XX/XX/XXXX via email. 

I called again for a status update on Wednesday XX/XX/XXXX and was advised by XXXX ( ID # XXXX ) that the documents were not yet uploaded and I should try again on Friday XX/XX/XXXX or Monday XX/XX/XXXX. 

Today, Thursday XX/XX/XXXX, I called for a status update, and was advised by XXXX ( ID # XXXX ) that a note on Wednesday XX/XX/XXXX, stated that they received my submitted info, however my file was still incomplete, and that they still needed tax returns, a letter of explanation for a deposit, and bank statements ( all was sent on XX/XX/XXXX ). Although very kind and professional, XXXX was unable to give me details beyond that or answer my questions about whether or not the attachments I sent got through properly, etc. 

This request is taking entirely too long, but I'm still getting letters regarding potential foreclosure, with inconsistent invoice amounts. When I asked about this, I was told " as long as you aren't over 120 days in default you don't have to worry while we review the hardship request ''. If I'm denied, I'll be in more debt and hardship than I would have been if I was simply given an answer within 1-2 weeks and had time to make arrangements.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that the verification and documentation that there is a valid basis for claiming that I must pay the debt. 

Upon receiving documentation from XXXX, I would like to dispute the validity of this debt. They're are discrepancies within the lease. I am seeing that I am being listed on this lease I have no knowledge of and that is not my signature on the end of the lease, and there are additional names listed on the lease. 

I have submitted disputes for this account and provided documentation to prove the information is inaccurate and unverifiable. However, credit and collection agencies have failed to verify this information properly or responded with generic statements without explaining their investigation process and correcting the errors.
Product: Credit card or prepaid card

First Progress credit card services over charged my account in fees to have my account limit higher than it should have been and would do anything about trying to fix the issue
Product: Credit reporting or other personal consumer reports

There's an inaccurate bankruptcy report on my credit report. I have no idea why this happened to me, so please check the documents I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts on my credit report that do not belong to me., I am a victim of identity theft
Product: Debt collection

I have XXXX different men show up at my residence harassing me after business hours. The nights of XXXX/XXXX/2015 and XXXX/XXXX/2015. They have both attempted to " serve '' me with fake court documents that were not sealed or delivered properly.
Product: Debt collection

I get called every single day from this debt collector. Portfolio Recovery Associates calls my phone from different numbers every single day. I have told them to stop calling. This debt is from my ex-husband 's that he is responsible for since our divorce in XX/XX/2016. I have sent them my divorce decree multiple times but nothing prevails. This is harassment and I am not even responsible for the debt which was purchased from XXXX XXXX XXXX.
Product: Mortgage

We remodeled our home in 2015 and added approximately 1500 square feet which increased our property taxes. We were trying to resolve the amount with the Assessors office and Mr. Cooper started collecting money in an escrow account to pay the past due property taxes. They paid some of our property taxes, but their statement of payments does not reconcile with the XXXX County Treasurer and Tax Collector 's records. Now they are attempting to charge us more than double the original mortgage payment. According to Mr. Cooper it is to repay an amount of property taxes that they can not provide proof of and to compound for future property taxes. When I try to call them to resolve this issue or ask questions about the amounts, Mr. Cooper escrow department hangs up on us. We have tried more than several times to discuss this with Mr. Cooper and resolve the issues. In the interim we have resolved all issues with the XXXX County Treasurer and have paid receipts that are shown on the XXXX County Treasurer and Tax Collector website. We have emailed the paperwork to the address given but can not get a response. We have not been able to speak with anyone at Mr. Cooper to resolve this. Please see attached paperwork for amounts and receipts and thank you for your help.
Product: Credit reporting or other personal consumer reports

I have sent several dispute on two accounts that have been sold according to the original creditor. I informed experian that since the creditor has sold the account they have forfeited the right to continue to report this alleged debt as theres. Because its no longer owed to them since it was sold. 
Experian would wait about 15 days and come back as unchanged. Also I have requested for the various names listed in my report. They were removed and place back on.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX Closed {$0.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed {$0.00} Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed {$0.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Closed {$0.00} Reported XX/XX/XXXX XXXX On time Closed {$0.00} Reported XX/XX/XXXX other XXXX XXXX XXXX XXXX XXXX {$6800.00} Reported XX/XX/XXXX XXXX XXXX Collection Closed {$2000.00} Reported XX/XX/XXXXXXXX XXXX Missed payment {$170.00} Reported XX/XX/XXXXXXXX XXXX