23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a continuation of our former complaint XXXX about PHH Mortgage Co. 
What they said they would do in their letter received on XX/XX/XXXX, is unacceptable. They refused to take out the {$400.00} they were supposed to take out on XX/XX/XXXX and each month thereafter. They told us to set up our own schedule with our bank. 
This was NOT what they said they would do via a phone call with XXXX at phone number XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX our time. For that phone call, he had been on hold two different times at about XXXX minutes each time. 
XXXX and XXXX resolved our complaint which we had registered the evening before with the Consumer Financial Protection Bureau. The final result was acceptable to both parties - PHH was to take out a {$400.00} mortgage payment on XX/XX/XXXX to be applied to the XX/XX/XXXX payment and take out another payment on XX/XX/XXXX, our regularly scheduled time. They would apply the {$400.00} as though it had been paid on XX/XX/XXXX, with no added fees or interest. and all would be as it should have been had they taken out the XX/XX/XXXX payment on time. PHH should just do what it says it will do when we talk to them. They seem to say one thing and then send a letter with the opposite information. 
I had talked to someone on XX/XX/XXXX about this very issue and they had promised they would take out the {$400.00} payment on XX/XX/XXXX, just like XXXX had always done. Then instead of using our {$1000.00} extra payment for interest via a check - they said we'd paid ahead for our monthly payments, thereby accruing more interest for themselves. 
In their letter of XX/XX/XXXX, they gave us a name of someone to whom we could complain ; XXXX XXXX, XXXX XXXX XXXX. Her voice mail says she'll respond in 2 - 3 days. XXXX XXXX - their manager could also be reached at XXXX XXXX XXXX, ext XXXX. That number doesn't work. XXXX who made the original agreement has not returned our phone call made on XX/XX/XXXX when we discovered that only one {$400.00} mortgage payment had been taken from our bank account. XXXX then did manage to reach XXXX in the ombudsperson 's office and she said she'd work with XXXX and XXXX to resolve it. She said she won't guarantee that they can go back and change the principal payment we made in XXXX. We would have just paid the mortgage ourselves but we believed them and didn't want to have two additional payments taken out! Please just do as XXXX promised.
Product: Debt collection

Portfolio recovery placed a collection debt which does not belong to me. I have mailed a written request asking for validation of the items and have not received assistance or information to dispute the items.
Product: Credit card or prepaid card

I began receiving text message and email alerts from Chase that my account balance exceeded a set threshold level. Upon checking my account, my balance was less than half of this arbitrary amount. A short time later, I received another alert that my balance was even higher! Upon calling Chase, I was told that there was a mistake with a change to one of their systems. I received no notice of this " mistake '' and for a Fortune 500 bank to be taking such risks with untested, unverified software updates is deeply concerning. 

More concerning is the possibility that the bank was using actual customer phone numbers in testing its new system, since the alert I received was for an amount far in excess and with no relation to my current account balance. In other words, it wasn't double the amount, a rounding error, an extra zero, etc. It was arbitrarily larger and different.
Product: Checking or savings account

i am on fixed income and i tried to find out what my balance of how much money i had in my account in which they declined to provide me with the information that i needed instead they gave me a XXXX number to call and i waited for some one to come on the phone to check my balance but no one came on the phone to answer my questions about my account and my online banking. and when i asked to speak with a supervisor about the problem she said that i accused her employees that she was lying and she was lying. and if i was not telling the truth about i never had a problem by the other employees giving me my balance over the phone. well why do i have to call a XXXX number now? and also i had one of the man employee to tell me he was not the one. well i guess he was not because i told his supervisor about what he said and i tried to explain to him what his employee said he pretty much hung up the phone in my ear. and this has not the first time i had a problem with this bank. i wanted to get a secured credit card to rebuild my credit and i had the {$300.00} dollars and that was the requirement that was needed and after spending all that time up there just to get a credit card that was a waste of my time gas and everything just to get a credit card. and i in good faith i told them what i use out of the {$300.00} to draft it out of my account to put it back in good standing. and they put something in their computer system saying that i don't qualify to get a credit card so i just wasted my time hoping just to get a credit card to rebuild my credit.
Product: Money transfer, virtual currency, or money service

I have been a Coinbase customer since XXXX and have purchased XXXX 's of thousands of dollars in Cryptocurrency, but my account has been inactive for the last 3 months. The only cryptocurrency I currently hold with the company is XXXX which is being 'staked ' and in a 'locked ' status, unable to be traded. I hold thousands of dollars of this cryptocurrency with them. 

On XX/XX/XXXX, I received an email from them stating that my account is being closed, but not providing any reason why. Upon logging in to my account I am given the option of transferring my crypto to an external address. Given that XXXX is currently being upgraded, no other exchanges or wallets support trading of this currency, and you can not transfer it to an external wallet. So ultimately, the company is closing my account without reason, and failing to provide me a viable option for liquidating my account or transferring to a different wallet. 

On XX/XX/XXXX, I called Coinbase Support and told a rep my issue. I had to explain several times that they weren't providing me a viable option, and asked that they simply convert my crypto to US dollars and close my account. Finally, they said they need to transfer my call, and put me on hold for 30 minutes. Eventually the same rep came back on the line and told me that the issue was being escalated to a specialist, but that there was not much they could do. Over the next few days I had 2 interactions with Coinbase support on the reddit platform. When I pressed for a resolution, they told me " we don't have a specific timeline for when this will be fixed. '' A quick scan of social media platforms returns thousands of results of customers waiting months -- sometimes years -- for a resolution to their issues with the company. To date, I have not heard back from the company regarding my case -- # XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I contacted the following credit bureaus, XXXX, and XXXX, by United States Certified Mail. I filed a dispute that while reviewing my consumer reports, I saw that inaccurate information was being reported in violation of Federal law 15 U.S. CODE 1681 e Compliance of procedures ( b ) Accuracy of report state that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report elates to. I disputed this information, I then received a response stating that the item remained unchanged from there processing of my dispute in XXXX of XXXX. On XX/XX/2023 I contacted these companies and filed another dispute requested there method of verification they claimed that the creditor that reported this account verified this inaccurate information, and as a result these companies used this as a method of verification and verified this information on my consumer report. I then requested that XXXX and XXXX follow suite like XXXX XXXX, and Equifax and delete this inaccurate information. On XX/XX/2023 I received a response from XXXX in this response they state under public records that the company that reported the information has certified to XXXX that the information is accurate. They also state that this item was not changed as a result of the processing of this dispute. I would like to state that I have received a certified letter from the UNITED STATES BANKRUPTCY COURT OFFICE OF THE CLERK SOUTHERN DISTRICT OF FLORIDA, IN THIS CERTIFIE DOCUMENT THE GOVERNMENT clearly state that the bankruptcy court does not report or transmit bankruptcy court records or any other information directly to credit reporting agencies... With this being said I am requesting that this inaccurate information be deleted immediately since in this case the Bankruptcy court is the creditor and they have provided me with a certified document stating that they have provided no such information. XXXX And XXXX are in violation of federal law and this account must be deleted immediately based on Federal LAW 15 U.S. CODE 1681 e Compliance of procedures ( b ) Acccuracy of Report.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told XXXX XXXX this not my card and I have told portfolio and they refuse
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out for assistance for removing of inquiries that were not authorized by me. I did not apply for credit nor give anyone permission to apply for credit using my personal information for XXXX, XXXX and Trans Union. I am requesting each of the credit reporting agencies remove the below inquires immediately from my credit reporting due to FCRA if information is inaccurately reporting it needs to be removed. I am not reaching out to each creditor because they are not reporting the information XXXX, XXXX  and Trans Union is reporting the information and need to correct the information. 

XXXX  : XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX IXXXX XXXX XXXXJXX/XX/XXXXXXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Trans Union 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: Credit card or prepaid card

In year XXXX, I opened a credit card and checking/saving account at BOA XXXX XXXX XXXXXXXX XXXX in the US. I had my first job in XXXX XXXX in US and is on XXXX XXXX since XXXX. 

I have used XXXXXXXX XXXX my primary bank, so I did not keep a large amount of money in BOA. 

Sometime in XXXX, BOA closed my saving account without notice and my autopay for the credit card was setup on that account. So though my checking account still holds XXXX dollars, I was late for a credit card payment of XXXX dollars for 3 months in a roll without any paper notice/text alert. There was 2 emails in my old mailbox in XXXX and XXXX, but unfortunately it was filled with spams and I don't check them regularly. 

This has resulted my credit score to go down from XXXX to XXXX, also results in my credit card getting closed without redeeming the cashback after I paid the due.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Debt collection

I have never signed a lease with XXXX nor their management company XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 60 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Checking or savings account

My account was charged overdraft fees and money was held against policy. Wells Fargo states that if you make 10 transactions a month you wouldn't be subject to any fees
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting Act Account # XXXX, has violated my rights. 
Original creditor : XXXX XXXX XXXX XXXX XXXX {$3700.00} XX/XX/year> XXXX U.S.C 1681 section 602 A. State i have the right to privacy. 

15 U.S.C 1681 SECTION 2 : IT also STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, Maryland XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$78.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not reported? 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Please apply these laws to account : 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 or 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.

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally ; Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b - Acquisition of location information does not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. 
The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Also, the Credit Bureaus took more than 30 Days to complete my investigation ALL dispute letters were sent by Certified Mail
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found an Inquiry on there to be inaccurate.

Under 15 U.S. Code 1681e ( B ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverified information ( A ) In general if, any reinvestigation under paragraph ( 1 ) of information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified by the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information and the information has been modified or deleted from the file of the consumer. 
Please removed the following item from my credit report, immediately INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the company to update the information it is reporting on my credit. the account is paid and the company keeps on reporting that it is derogatory.
Product: Payday loan, title loan, or personal loan

I am waiting on an approval from Capital One Auto Financing to get a car from XXXX of XXXX. The issue is, I had an extended credit alert ( Had it removed ) and the phone number on file is wrong. I recently had it updated and the correct number is XXXX. Capital One keeps calling the number listed on the file which is wrong.
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ATTATCHED A COPY OF THE FTC FRAUD AFFIDAVIT FOR YOUR REVIEW I DEMAND IMMEDIATE REMOVAL AND CURRENT AND FUTURE BLOCKING FROM ALL ACCOUNTS AND CREDITORS 2. 1. Validation of the debt-that is the actual accounting.

3. 4. Verification of signed Invoice. 5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 6. Please provide the original docurse and wet signature if you can't provide these items Delete them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

Student loans began at the end of XX/XX/XXXX at {$21000.00}. Throughout the years of the loan I have had high payments, had to take forbearance, and also done income - based repayment. From XX/XX/XXXX til now I have only played off {$1700.00} off principle. It seems like all I pay is intrust, so far {$6600.00}. That comes out to 79.3 % of my payments have been intrust. The intrust vs principle payment is all over the board. From XX/XX/XXXX to XX/XX/XXXX, on an income based plan of {$110.00}, I payed {$320.00} to principle and {$1000.00} to intrust. Then in XX/XX/XXXX the income based plan jumped to {$200.00}. Seems like the loan company wants what 's best for them and not the loan holder. In the end I will be paying on these loans for almost 20 years before they are played off.