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

I received an email that my Coinbase account has suspicious activity. So I took the steps Coinbase recommends and paused my account. Now when trying to reactivate my account I am unable to login, receive password reset links to my email, or receive emails from Coinbase in general. I opened tickets as well as spoken with customer service representatives, but no one has been able to help. I would like to regain access to my account. Thanks in advance.
Product: Debt collection

I received a letter from " Transworld Systems Inc. '' dated XX/XX/XXXX stating that " XXXX XXXX XXXX XXXX has placed you account ( s ) with this office for collection ''. 

The original toll fee is {$8.00} and the additional ( late ) FEE is {$100.00} for a total of {$100.00}. Let it be known that I will gladly pay the {$8.00}. 

It has taken me 2 weeks to respond to this notice because since the date of violation, XX/XX/XXXX, I have moved from XXXX XXXX to XXXX and so it has taken 2 weeks for the mail to be forwarded to my new address. 

About a month ago I spoke with XXXX XXXX XXXX XXXX re : a similar issue ( if not the same issue ) and I paid my debt and CLOSED MY ACCOUNT since I no longer live in the State of XXXX XXXX. 

Now a month later I am receiving a letter from a debt collection agency and I am confused. I want to settle this issue immediately.
Product: Credit reporting or other personal consumer reports

It's really disheartening to see discrepancies on my credit report today that were never there before. Refreshing the page didnt help, and now Im left confused and frustrated. Please review the documents I sent so I can put this issue behind me for good.
Product: Student loan

A loan agreement was made in XX/XX/XXXX and the attached repayment schedule is what was agreed to. This loan was transferred to Nelnet, from XXXX, in XX/XX/XXXX and now it appears we are paying over {$5000.00} more than originally agreed upon. At no point did we agree to any repayment changes nor did we ask for the loan to be moved/changed. I understand there were to be graduated increases, but what we agreed to and what we have paid are NOT even close. 
Additionally, no one at Nelnet can show me why this would have changed and XXXX no longer exist. Note that we have also been turned down for the Gov't student loan forgiveness program even though I've been a Govt employee for XXXX years This WAS a Gov't backed loan, we never asked for it to be moved/transferred, so I don't understand why I wouldn't qualify and No one can explain it to me? 
The final payment dates are the same on both of these schedules, yet I am paying substantially more than originally noted. So why wouldn't it be paid down sooner???
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal and blocking of certain accounts from my credit report, as I am a victim of the recent data breach that has compromised my personal information. This request is made pursuant to 15 USC 1681c-2 ( a ). 

The accounts I would like to be addressed are as follows : 1. Jefferson Capital - Open Date : XX/XX/XXXX - Balance : {$330.00} XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX Given the circumstances surrounding the data breach, I believe that the presence of these accounts on my credit report is a result of identity theft or unauthorized use of my personal information. As such, I request that you take immediate action to block these accounts and initiate the deletion process. 

Please confirm the receipt of this request and inform me of the actions taken to resolve this matter. I appreciate your prompt attention to this serious issue, as it greatly impacts my financial standing and peace of mind. 

Thank you for your cooperation.
Product: Mortgage

During the process of submitting for a loan modification, I was told my Amerihomes that there would be no negative reporting or credit activity sent to the credit bureau 's. They failed to process my application in a timely manner which was specified for 30 days on the app and reported my payment late for the month of XXXX. I have been lied to and mislead so many times by this company. Every time I call someone tells me something different than what was advised from the prior rep. I was told that it was initiated already to reverse the negative reporting on XX/XX/2023 and then I called back and XXXX stated she saw no record. I sent in a letter to dispute the reporting on XX/XX/2023 to XXXX XXXX XXXX XXXX, NJ XXXX. Every time I call to follow up I'm told they don't have any correspondence from me. Please help me to resolve this issue. Thanks
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$150000.00} XXXX Open XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$1700.00} XXXXOpen XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$42000.00} - Open
Product: Checking or savings account

On XX/XX/XXXX I received a statement from BMO Harris Bank. I immediately called them and ensured BMO Bank that I never opened an account with them and never heard of BMO Bank until then. I asked to deactivate the account and ensured them that this was a case of identity theft and a fraud. 

On XX/XX/XXXX I received a letter from the debt collector XXXX XXXX XXXX XXXX, wanting to collect {$74.00} on behalf of BMO Harris Bank.
Product: Mortgage

Balance of insurance money to finish up the house ... received letters from Chase ( 2 attached, dated XX/XX/XXXX & XX/XX/XXXX ) that if the inspection report came back at least 90 % they would release the balance of the insurance claim money. 

Inspection was done on XX/XX/XXXX and report states that we are at 90 %. This report was sent to Chase. Chase sent it back to the inspector state8ing that the homeowner canceled the inspection ( which was not true ). Inspector was at the property inspected the property and had the contractor sign the report, also showing that they were on the property and had completed the inspection. The inspector sent the report back to Chase stating that the homeowner did not cancel the inspection and that the inspection was complete and the inspection report was complete and sent the report back to Chase. Chase has had the report for 2 days. I called Chase yesterday and the Chase representative stated that they were still waiting on the report ( when in fact they had received the report 2 days prior ). Just yesterday my contractor received 3 or 4 calls from other inspection companies hired by Chase to come and do an inspection for 100 % ( we just received the inspection that came back at 90 % last week, all that is required by Chase in their own words ( SEE THE LETTERS ATTACHED ). It seems to me that Chase is playing games and keeps changing their own rules that they have set and actually put in writing to me in the two ( 2 ) attached letters. This is WRONG ON EVERY LEVEL. The ONLY resolve for this issue is that Chase release the balance of the insurance money!!! ASAP, the only resolve after that would unfortunately be a lawsuit ( I WILL HIRE A HIGHLY QUALIFIED ATTORNEY TO SUE CHASE FOR DAMAGES ).
Product: Credit card or prepaid card

I am deeply concerned and extremely dissatisfied with the way disputes are being handled by Apple Card, issued by Goldman Sachs. Their approach towards dispute resolution demonstrates a blatant disregard for the gravity of the situation and reflects an alarming lack of professionalism. The subpar service provided not only raises questions about their commitment to customer satisfaction, but also severely undermines the trust that consumers place in such an esteemed financial institution.

1. Dispute Case Number : XXXX ; {$14.00}. 
On XX/XX/XXXX, I was extremely dismayed to receive the case result from Goldman Sachs, the issuer of Apple Card, which indicated a credit of {$2.00} and a subsequent rebilling of {$11.00}. According to Goldman Sachs, I had already received a credit from the merchant for the disputed amount, which I firmly believe should have been {$11.00}. However, upon closely examining my transaction history, I discovered that the only {$11.00} credit I received was dated XX/XX/XXXX. Furthermore, the merchant 's website clearly states that this amount corresponds to an entirely different order. 

2. Dispute Case Number : XXXX & XXXX ; {$350.00}. 
After receiving the result of my initial dispute, I found significant inaccuracies in the evidence provided by the merchant, prompting me to file an appeal on XX/XX/XXXX. In my appeal, I highlighted four issues and submitted three supporting documents to bolster my case. My dispute was not about a cancellation but rather a hygiene issue with a hospitality service. Additionally, I pointed out the misleading 12-hour request that the merchant 's evidence couldn't even support, and the fact that the document provided by the merchant wasn't accessible to customers at the time of booking. 
However, upon receiving information on how Goldman Sachs made their appeal decision, I was dismayed to find that the documents and information used were identical to those in the first dispute. This raises serious concerns about whether my appeal was even duly considered. Furthermore, when I attempted to request information about the appeal decision through chat customer service on XX/XX/XXXX, I encountered strong resistance from the representative, who even stated, " there is no need to do that, the decision has been made. '' This entire experience has left me extremely dissatisfied with the dispute resolution process of Goldman Sachs. I am disappointed by the lack of transparency, unresponsiveness, and apparent disregard for the additional evidence provided in my appeal. I urgently request that my case be re-examined by a different team or supervisor to ensure a fair and thorough assessment of the matter. Additionally, I would like to receive a clear explanation of the decision-making process and the factors considered in reaching the final determination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting lates in XXXX, XXXX and XXXX, 2020. ( Please see page attached from my credit report from XXXX, 2020. ) XXXX  is now reporting on my most recent credit report that I was allegedly late in XXXX, 2020. ( Please see page attached from my credit report. ) First, I was never late on this account ; and second, XXXX  has now changed the month that I was allegedly late. This false reporting of all late payments appearing on my credit report are incorrect and is seriously harming my credit score. XXXX  is reporting correctly. I request that the late payments be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I checked my Consumer Reports and noticed that I had a late payment on an account that I was never late on. Consumer Reports agencies have taken on a vital role and are responsible for reporting Accuracy I have never been late on XXXX account payments XXXX Investigate and provide evidence with statements showing these payments were late if they can not be provided evidence I demand that these payments be updated on time as they should, as I have NEVER been late. Thank you Consumer information at its best with Maximum
Product: Mortgage

Im refinancing my home. The lender sent federal loan estimates with lender credit. The title fees ended up being less expensive and now they trying to decrease the lender credit by a proportional amount. From what Ive read this is a TRID violation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX continues reporting a late payment, depite me asking them to provide proof of sdaid late payment. I have disputed this with XXXX XXXX and Experiand and experian has simply updated my consumer report and " updated '' the account meanwhile this derrogative and innacurate information continues blemishing my reputation. In accordance with 15 U.S.C. 1681 ( b ) of the FCRA, I have not provided written permission for XXXX XXXX to furnish inaccurate information about my creditworthiness.
Product: Vehicle loan or lease

I opened an auto loan with Santander Consumer Inc. XXXX of XXXX. My first payment was XXXX of XXXX. My credit started reporting from that point, I made payments on time and in full. In XX/XX/XXXX, I joined the military. While in basic training, my mother was granted access to my account to make payments, she received a noticed that because I joined the military, I would receive a discount of {$100.00}. Taking my payments from {$350.00} to {$250.00}. Once I was out of basic training in XXXX of XXXX, I checked my credit report only to see that my account with Santander Consumer Inc. was no longer reporting and the account was taking off my report. I reached out to the company where I was informed the reason why was because of SCRA. I told the agent I was aware of SCRA however I didnt consent to this action. I was sent a waiver through the mail to sign, to agree for the continuance of the reporting from the company. Once the paper was signed I was told that it would take 60-90 days. I reached out to the agency in XX/XX/XXXX. I was told that the information wasnt received, a week later I was told that the information was received and that it was being sent up for a review and it would take 60-90 days for it to report. The account never reported, I called in XX/XX/XXXX & was told to contact the three major credit bureaus, the company stated the information was sent to them & that it would be up to them if they wanted to added the account back to my credit summary. I reached out to the credit bureaus and I was told that there wasnt any documentation sent to them in regards to this account. From XX/XX/XXXX until current of XX/XX/XXXX I have been back & forward with Santander Consumer Inc & The three major credit bureaus about my auto loan account being added back to my credit report and nothing has been done. I was informed by the credit bureaus that they dont added, modify, or delete accounts it is in fact the company. I have been attempting to get this problem fixed for over a year & nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently looking at my credit report there is an account the was delete and was sold to another collection agency and it is not my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND A RE-INVESTIGATION. 
I would like to know what was the method of verification ( mail, phone, E-Oscar, email ) FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims. This slow or unresponsive method is unacceptable. I request to see ONLY original contract wet ink, proof of ownership ... ..anything else I will consider the account as unverifiable and should be deleted!
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act15 USC 1681 section 602 says " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with respect, impartiality, and fairness for the consumers right to privacy. XXXX, Experian and XXXX are consumer reporting agencies, and I am the consumer. It is to my knowledge that I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. The financial institution and the Consumer reporting agencies XXXX and Experian, and XXXX XXXX do not have my consent to furnish this type of information and I did not give a written consent. Any and all consent to XXXX XXXX, XXXX, and Experian whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer if given an explanation of how the consumer can exercise the nondisclosure option. XXXX XXXX XXXX, or Experian never notified or informed me of my right to exercise my nondisclosure option. 15 USC USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting may take any consumer report containing anu of the following items of information. Any other adverse item of information, other than records of the convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relation to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is not accurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumers reports to the purposes listed under section 1681b of this title. '' XXXX XXXX, XXXX, and Experian are not maintain reasonable procedures. Also 12 CFR 1016.7states that " A consumer may exercise the right to opt in or out at any time. I am opting out of your reporting services.
Product: Mortgage

https : //www.shellpointmortgageservicing.com/ XXXX Monday through Friday XXXX XXXX EST and Saturday XXXX XXXX EST. 
Customer Service Shellpoint Mortgage Servicing On XX/XX/XXXX I requested to remove a PMI from my mortgage payment due to improvement made to the property, I received a letter and an e-mail suggesting that I need to have a BPO done and pay {$150.00}. I sent the check for a BPO immediately and it was cashed in a few days. However, the mortgage company did not schedule the BPO for a long time until the end of XXXX. Finally, on XX/XX/XXXX a broker came to the property and did his evaluation. He submitted his opinion on XX/XX/XXXX. Shellpoint mortgage informed me that the value of the property was high enough to remove the PMI. They advised me that the LTV was 73 % and I would get a letter with the new mortgage payment ( minus the BPO ) .On XX/XX/XXXX I was contacted by another broker asking me if I still needed the BPO. I told him I needed to consult the mortgage company. I called Shellpoint mortgage and they confirmed to me that I did not need the 2nd broker, therefore I told the 2nd broker not to come. I continued calling Shellpoint morgage every week asking for the update, and only today, a month later, XX/XX/XXXX they told me that one BPO was not sufficient, and I am disqualified since I refused to allow the 2nd broker on the property ( ignoring that that was on their own advise ). I asked to talk to the supervisor, who, of course, was not available. I think they are trying to postpone the decision as long as possible so we continue paying unnecessary PMI. They communication is non-existent. They promised me many times to send an e-mail or a letter with their findings, but never did. I kept calling them twice a week with no results. I need to know how to switch my mortgage servicing to a different company. I feel that this company is either completely incompetent or just dishonest, in either case I don't want to deal with them anymore.
Product: Money transfer, virtual currency, or money service

Around XXXX XXXX XXXXXXXX I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX XXXX  from my Gemini account to fraudulent investment firms.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint. 

Items need to be disputed : XXXX : XXXX. XXXX XXXX BANK XXXX Account XXXX : XXXX Date XXXX Balance Owed : $ XXXX XXXX. XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff Equifax : XXXX. XXXX XXXX BANK XXXX Account XXXX : XXXX Date XXXX Balance Owed : $ XXXX ChargeOff XXXX. XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff XXXX : XXXX. XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff
Product: Mortgage

I was contacted by Freedom mortgage several times to do a refinance on my existing home loan. I spoke to two different lenders. The first person I never called back becuase I did not feel that the savings was enough to justify the fees. The several person worked numbers and got to a number that seemed reasonable. I explained that I may not be staying in the home for more than 8 months. After the refi was done I received a check that I did not ask for. I called and they stated this was mine to keep. After I started paying my mortgage I am now told that my payment is increasing over {$100.00} due to an escrow shortage. I feel that I was intentionally mislead about the payment to book the loan and that the insurance was left out to increase the loan after the loan closed. The escrow should have increased {$19.00} per month not over {$100.00} due to a change in insurance premium from {$820.00} to {$1000.00}. I was not willing to close on the loan and pay the fees unless I had substantial savings and I feel that they were deceptive just to get the extra fees. I would have never refinanced the loan for such a small savings monthly. I advised I may not stay in this home several times.
Product: Debt collection

Received a notification of a possible debt on XX/XX/2021. Responded to company on XX/XX/2021 requesting debt validation ( letter was sent certified ). Company continues to call and has not responded to debt validation request.