23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX, phone number XXXX, brought my mortage on XX/XX/2019, from XXXX. I could not get through to a representative on the phone or on the XXXX  website to pay my mortgage payments in the amount of {$1500.00}. I was diffcult getting a representative on the phone with XXXX. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. XXXX XXXX XXXX XXXX XXXX  is reporting to XXXX, TransUnion LLC, XXXX  late payments of the month of XX/XX/2019 and XX/XX/2019. I received different information from the XXXX representatives everytime i call them ( some XXXX Representatives informed me that they would not be reporting any late payments to the credit bureau until they stabilize and XXXX Representatives informed me that if you pay the mortgage on the XXXX of the month your payment is not considered late. I have receive incorrect and inconsistance information from the XXXX Representatives.
Product: Money transfer, virtual currency, or money service

I was scammed on XX/XX/2019 for XXXX dollars through XXXX XXXX and it put me in debt and made me overdraft so now I have to pay overdraft fees as well. I contacted chase bank and they refunded the initial amount then the claim closed and said they couldn't get the money back. I have talked to the police for the scam but more so than likely nothing will change so I'm hoping this can help return my money.
Product: Credit reporting or other personal consumer reports

I am reaching out to address the continued verification of inaccurate information on my credit report. The attached letters clearly show that the information is not correct, yet your agency has not updated or removed the false data and continues to report it as accurate.

This failure to correct the errors violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires you to conduct a proper investigation and correct any inaccuracies. I ask that you promptly reinvestigate and either correct or remove this inaccurate information from my report.
Product: Credit reporting or other personal consumer reports

This account is from XXXX, 7 years ago. 

It is now resolved and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit ActXX/XX/XXXXXXXX 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 an account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX my personal checking account was compromised. There are about 11 charges that occurred on this day that I did not make. I filed a dispute against these transactions with Wells Fargo, and they responded that they are denying the claim. Informed them that my personal debit card remained in my possession the entire time, and i never misplaced it. Wells Fargo told me that during their investigation they found no evidence of fraud and that the card was physically present at each purchase and a Pin Number was entered. Amongst these charges are charges from Restaurants in New York and Florida & California. I live in Texas, It would be impossible for me to make purchases in four different states all in the same day. I really thought that wells fargo would see that this is an obvious case of fraud, and return my money, but they have refused and I really need some help. here are each of the disputed transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX CO XXXX XXXX XXXX XXXX, SC XXXX I called and asked for copies for all of the documents in the file with my name on it. They told me they could not give me the documents because they couldn't find a file with my information on it. I asked them why is it on my credit report and to immediately take it off of my credit reports. They have not honored any of my requests despite repeated calls for 4 years. 

Opened XXXX XXXX XXXX  ( XXXX yrs, XXXX mos ) There was never any agreement to pay for an account that isn't mine. 
I am not liable for this debt with XXXX XXXX I do not have a contract with this Original Grantor or their associated collection agency. They did not provide me with the original contract as I requested. 

Correction to my credit report, I demand this account be removed from my credit report
Product: Mortgage

We originally listed our house as a short sale and sent all documents on  XXXX   XXXX ,  XXXX , to     XXXX   XXXX   who was the servicer for our loan. The short sale was approved by     XXXX   XXXX  , with the approval letter  XXXX / XXXX / XXXX , with a close of escrow date of  XXXX  Our Broker  was advised that the loan servicing was changing  XXXX / XXXX / XXXX , to  Select Portfolio Servicing.  Since th e Buyer was gett ing a loan, the Buyer could not close escrow in 4 days. Our Broker then immediately sent all documents to Select Portfolio Servicing on  XXXX / XXXX / XXXX , via fax supplied b y SPS ( Select Portfolio S ervicing ). The  Broker followe d up on  XXXX / XXXX / XXXX , to assure all short sale documents were received, however,  SPS stated they had given the Broker the wrong fax number and supplied a new fax for short sale. SPS also stated that they have used previous servicers short sale approval letters to expedite a written approval from SPS to the listing Bro  ker. Ag ain, our Broker sent the complete short sale package to  SPS , along with a copy of the   XXXX   XXXX   short sale approval letter. On  XXXX / XXXX / XXXX , our Broker was told by  SPS tha t a conditional approval was issued based on a  Broker Price Opinion v aluation that was ordered and should be completed shortly. on  XXXX / XXXX / XXXX , our Broker was told a written short sale approval letter would be issued no later than  XXXX / XXXX / XXXX . Our Broker has called SPS every 2 days since  XXXX / XXXX / XXXX , with no approval, and now SPS states it could be another 30 days based on " investor guidelines. '' A representative from  SPS  stated she did n't see a HUD closing statement this past Monday  XXXX  which was sent in with all documents prior ), and suggested the Broker forward another copy " just in case. '' Today,  XXXX / XXXX / XXXX , the  Broker foll owed up again and was told by the Relationship  Manager on the file that since a new document ( HUD )  was logged as received today, " investor guidelines '' gives SPS  another 30 days before they have to issue a written short sale approval letter to sell and transfer our property. The Broker is in fear of losing the Buyer now, and we as the Borrower/Sellers are l eft with further months of default/negative reporting to our credit record. Our  Broker has lo gged dates, names, and notes of every conversation with SPS from  XXXX   XXXX ,  XXXX , to present.  SPS rep resentatives not familiar with the file have continued to mis-read notes and request documents that were all sent previously numerous times. I highly suggest and request that the CFPB audit both procedures and business practices of SPS, at least with regard to short sale processing. Thank you!
Product: Student loan

I tried numerous times to find a way to lower my payment working as a non XXXX XXXX XXXX. This company only gave me the option of forbearance. My loan ballooned. I took out XXXX and ended up with a Student loans over 65K in 8 years!!!! I couldn't file bankruptcy, or lower payments from what they called acceptable monthly payments of " XXXX ''!!!!
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed discrepancies. As per the information I've received, it's necessary to authenticate any inaccuracies. The following items/accounts require verification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Kindly conduct an investigation into the accounts I've specified and send me the results via mail. According to online sources, this process should be completed within 30 days, hence I'll await your response within that timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN BUSINESS CRED  XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing toTRANSUNION to formally dispute the accuracy of certain information in my credit report, which I obtained. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation. I know that TRANSUNION being sued for engaging in " sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 2.A detailed explanation of your findings and the actions taken to correct any errors.

3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
US DEPT ED XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX
Product: Debt collection

Let it be known I did not open this account from XXXX XXXX. Someone's gotten ahold of my social security card and birth certificate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : Dept of EDXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX  XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX 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: Debt collection

On XX/XX/ 2020 I made an online ( XXXX ) payment to my medical account with XXXX XXXX XXXX in the amount of {$190.00} by debit card. The account payoff was for my guarantor account # XXXX, which includes several invoices all tied to my guarantor #. In XX/XX/2020 I received a notice of collection from Central Portfolio Control ( CPC ) for {$120.00} for the same account that I paid XXXX months earlier, I asked for details of the collection which they would not provide - so I contacted their corporate to no response, and filed a XXXX  complaint. I also contacted XXXX to ask about my paid off account, they said that my online payment was not distributed correctly to pay off my invoices ( internal issue ), where one showed a credit and the other showed a balance owed. XXXX did not distribute the payments, stated they would make the correction and contact CPC to pull back the collection notice. That was completed and corrected in XX/XX/2020. On XX/XX/2020, CPC files a collection on my credit for this same issue from 2020. I have already remedied through XXXX where XXXX confirmed the debt is not collectible as it was paid in full to Highline in XX/XX/2020. Details, dollar amounts, etc. are all identical to their previous attempt. I need this remedied again with CPC as they are asking for additional payment on something Ive already paid and closed with the original creditor, XXXX XXXX XXXX.
Product: Debt collection

Regency finance came to my house twice now and threatened me with wage garnishment. If I did not pay. They call about 10-15 times a day.
Product: Credit reporting or other personal consumer reports

I would like to Dispute Bankruptcy 15U.S.C.1681A ( 2 ) B that is reporting on my XXXX and Experian credit reports i am sending supporting documents that I am also Disputing wit other agencies and corporation .XXXX  and experian is misreporting debt /reaging debt due to staus of limitation 15.u.s.c.1681..unlawful changes in deliquency dates under FCRA ..i was never notified or aware that this would be on my credit report 15U.S.C.1681B and would like a removal of Bankruptcy off my credit report..I am asking for a reinvestigation
Product: Checking or savings account

I deposited a Business Check written to myself for the amount of {$700.00} on XXXX XXXX XXXX. I received written notice that my deposit would be released on XXXX XXXX XXXX. As Such, the money was released into my account but then removed from my account immediately. Then another letter came and said my deposit would be held until XXXX XXXX XXXX due to the funds possibly not being in the account. I just spoke with the bank that the check was written on, XXXX XXXX, and they confirmed the check cleared their bank on XXXX XXXX XXXX. This hold has caused me to be late on my rent, my cable and my internet payments. Causing over {$100.00} in late fees that I will now have to pay because Bank of America will not release the hold on my account until XXXX XXXX XXXX. 

PLease help me get this resolved as Bank of Ameria will not release the hold. I have tried speaking with them and I wll be calling them back again. 

Thank You XXXX XXXX XXXX XXXX XXXX Client
Product: Mortgage

On XX/XX/XXXX I signed, before a notary, a Partial Claim Mortgage agreement for my Loan, with Homepoint Financial which was my current mortgage servicer at that time. On or about XX/XX/XXXX the loan was transferred/sold to XXXX XXXX XXXX I was told by Homepoint that moving forward I would be paying my mortgage obligation to XXXX XXXX as they are the new mortgage servicer. When I went to pay I was told by XXXX  that I owed the total of the forbearance amount plus the XXXX payment. Looking into it, I was informed that all the original docs were not forwarded to XXXX XXXX by Homepoint and they were refusing my payment. Unable to resolve the issue, and after many attempts, I reached out to CFPB ( Complaint # XXXX ) for help. On XX/XX/XXXX XXXX XXXX responded to the complaint and stated that " ... After a review, we were able to get a copy of the executed loan modification documents from Homepoint and have applied the modification to your loan. '' After, they accepted and apply my mortgage payments accordingly, however, I am still being forced to sign a new agreement with XXXX XXXX. The problem was not resolved as answered to the CFPB, and they want me to sign again a second agreement with no proof that I wouldn't be held responsible for the first one. Every month I receive these documents to sign. When I speak with loss mitigation I'm told that, in fact, they did not receive that documents from Homepoint and they are holding me responsible again. Homepoint and XXXX XXXX  need to resolve this issue between themselves. I have no power here I do not possess the originals as they were sent to Homepoint Financial and acknowledged received by Homepoint Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters again on XX/XX/21, in regards to a inaccurate, unverifiable, and unknown account on my credit report. To this day, over 48 days later, I have still not received a response yet. I feel like they are taking advantage of me and ignoring my disputes. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 48 days so they should be deleted promptly. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I have asked multiple times for an original application with my signature on it and have been ignored every time. Please remove this account immediately because it is hurting my ability with banking and receiving financial assistance and they are not responding to me. I really cant believe they are taking advantage of me like this. They are ruining my credit and my life.
Product: Money transfer, virtual currency, or money service

This is my original claim against Coinbase ; My coinbase acct was compromised and they stole my life saving money of {$56000.00}. Based on the XXXX XXXX, coinbase are known for stealing peoples money. They have a long history about fraud and have cases with SEC. Someone got a hold of my acct and did several transfer from my bank to this coinbase. The first one was on XX/XX/XXXX for {$5000.00}, XX/XX/XXXX for {$10000.00}, XX/XX/XXXX again for {$5000.00}, XX/XX/XXXX for {$5000.00}, XX/XX/XXXX for {$30000.00} and XX/XX/XXXX for {$1500.00}. I have talked to several coinbase agents and they assured me that i am qualified for a one time credit but they kept me hangin for nothing and then decided that they cant help anymore. I have all the proofs and screenshots of our communications tru email and i got tired waiting for them. I reopen the case and they said that its still under investigation and i am not waiting anymore for nothing. Sooo many Americans lost or loosing a lot of money from this coinbase company and they should be penalized for what their doing wrong to us. Its our hard earned money that they stole here. And i really need help pls. My coinbase case number is XXXX. Thanks, XXXX The reason why im filing another case against coinbase is, when I checked my acct, seems there is magically thing happened. It says that I deposit some cash on XX/XX/XXXX and the money is ready to be widraw on the said date at XXXX. Like I said that this is an inside job. Coinbase can magically put some money and can magically removed some money on peoples acct. 
PS. I didnt deposit any cash on XX/XX/XXXX. Coinbase prevented me from doing anything in my acct and now im seeing that theres money and it will be ready to be widraw after XXXX? Coinbase can do some magic and I strongly believe that they are the ones who took my {$56000.00}. And I want it back, this is my life saving money and I need it. Pls CFPB, pls do all your research about this company Coinbase and when you get a chance, pls go to XXXX and you will see many Americans lost or loosing money from this company. 
Ps. I attached my proof here and contacted their CEO XXXX XXXX to do something with my case.
Product: Credit reporting or other personal consumer reports

Recently, while reviewing my credit report, I discovered several fraudulent accounts that were opened and used without my consent. These accounts are severely damaging my credit history and negatively impacting my ability to obtain fair credit. Under consumer protection laws, I have the right to have this information corrected and ensure my rights are protected. The applicable laws include : 15 USC 1681i : This law grants me the right to dispute inaccurate or fraudulent information on my credit report and requires credit reporting agencies to conduct a reasonable investigation and correct errors promptly.

15 USC 1681s-2 : This law outlines the responsibilities of information providers to ensure the ac
curacy of the information they report to credit bureaus and prohibits reporting fraudulent or incorrect data.

15 USC 1666b : This law provides protections for consumers against unauthorized charges or billing errors, requiring prompt correction of such issues.

15 USC 1681c-2 : This law allows consumers to request a block on fraudulent information resulting from identity theft to ensure it is removed from their credit reports.

Identity Theft and Assumption Deterrence Act ( 18 USC 1028A ) : This law criminalizes the unauthorized use of personal information and provides penalties for identity theft, reinforcing the need to address fraud promptly.
Product: Money transfer, virtual currency, or money service

I sent {$500.00} to a third party which cashapp facilitated. It turned out to be fraudulent, and when I asked cashapp to reverse the charge they refused.