23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We sold our house to a buyer that assumed our VA loan. The initial offer on the house was signed XX/XX/XXXX, the home did not close until XX/XX/XXXX. During this prolonged time we were forced to purchase additional homeowner 's insurance as we were not occupying the home and our homeowner 's policy expired XXXX XX/XX/XXXX. Additionally we were paying the mortgage on our new home and utilities for both properties. We were told that assumptions take a bit longer especially with the VA however 90 days seems onerous. Additionally, the mortgage was still listed in our name until XX/XX/XXXX. During that time I received several letters indicating that additional homeowner 's insurance was needed as we had cancelled ours XX/XX/XXXX after the home closed. It appears as though First United purchased homeowner 's insurance on our behalf during that time- even though we no longer owned the home. Once the insurance situation was finally resolved, First United withdrew approx {$2200.00} from our checking account on XX/XX/XXXX ( mortgage payment for XXXX ) for the same property. Again it is noted that the home was sold on XX/XX/XXXX. It was difficulty to rectify this situation as the mortgage with our current home is through the same lender. I have been able to verify that the payment that was withdrawn ( and unauthorized by us ) has been reversed. Today I received a call from First United Bank asking for a woman with the name of the purchaser of our home- it appears they are calling to discuss the fact that the payment for XXXX was reversed ( as it was taken from the incorrect account ). First United has failed multiple times to update the information in their database once the home was closed until I reached out. It is frustrating having to deal with a new issue every few days. I have spent a considerable amount of time calling and emailing various persons at the bank to get ALL the information updated. I am anticipating a problem at tax time as well due to the inability to update mortgage information in a timely manner. I understand that the assumption process is new, however I feel that it should not be offered as an option unless the institution is able to execute the process fully. We have suffered financial loss, loss of time, and loss of peace of mind in dealing with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX Balance : {$36000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct XXXX XXXX opened XX/XX/2022, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

I attended XXXX XXXX XXXX, XXXX XXXX, FL campus from XX/XX/XXXX XX/XX/XXXX. Upon the recruiting and enrollment period, I was misled by Admissions reps and the Director of recruitment about transferability of credits after XXXX from XXXX XXXX XXXX. 

I completed XXXX years and obtained XXXX degrees from XXXX and none of my credits were transferable to any other college. 

Shortly after my XXXX, XXXX XXXX XXXX were under investigation for providing fraudulent information about credit transferability, job placement grantees and false loan repayment plans. Recently, ALL XXXX XXXX XXXX campus were closed down by the Federal Government resulting in all degrees from the institute now being invalid. 

I and many of other XXXX are stuck with loan payments for degrees that are no longer valid. Because the authenticity of my college degrees, my only options for furthering my education is to start over at another college resulting in accruing additional student loans. Without being able to further my education, I am extremely limited to career advancement opportunities resulting in loss of better and fair pay for any future job opportunities.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
XXXX.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus XXXX not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for XXXX XXXX I demand the following actions, without delay : XXXX a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
XXXX a comprehensive written explanation detailing your investigation process and results. 
XXXX remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this accoutn should be removed from my credit report and all collections efforts should cease. 

There are XXXX accounts with this collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be corrected immediately. 

The Infractions are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alleging Creditor and Account as is reported as having a late payment my credit report : I am demanding that these accounts be updated to Paid as Agreed and Never Late. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these a mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else UPDATE these items to PAID AS AGREED AND NEVER LATE immediately.
Product: Credit card

I bought product from a kiosk at the XXXX XXXX from a company Called " XXXX ''. They fraudulently did not disclose that all sales are final and tricked me into buying the product with no course of refund. I tried to dispute the transaction with Capital One and they denied my case and told me to work with the merchant. They promise fraudulent protection yet denied me when I needed it the most. If i could have resolved the issue with the merchant I would have. But the fact I couldnt want why Iook the option to dispute the charges
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX balance XXXX, XXXX  balance {$560.00}, XXXX XXXX balance {$7200.00}, XXXX balance {$1100.00}, XXXX XXXX balance {$3700.00}, XXXX XXXX XXXX balance {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX  are working together by not updating proper credit scores for the client. XXXX XXXX XXXX has been helping over 2 years the credit score barely changed in two years. I mean a very minimal change from all 3 agencies.

I can get a car, a home, a loan, anything, not even a credit card. Yall need fix and update this XXXX immediately.
Product: Mortgage

Loancare who takes my mortgage payments do not have a deferment program only a forebearance program where you can delay payment for up to six months but after the six months is over everything is owed? Well if you could pay wouldn't you be paying how is anyone supposed to come up with six payments by the end of the forebearance, it makes no sense
Product: Credit card or prepaid card

Bank of America closed two credit cards without any prior communication to me. I only found this out on XX/XX/2017 when I logged into my account from online. This has caused considerable inconvenience to me as it limits my access to credit. It also caused sizable financial damage to me as reward points/cash rewards worth over {$1000.00} were taken away. The two credit card accounts had been in good standing. I had not missed any payment and always paid the statement balance in full. I had also used these cards for purchase several times in the last 6 months. One of the cards was Merrill Plus VISA signature card. I had XXXX unused reward points on this account before the involuntary closure. I had earned them legitimately by making purchase of goods but now these reward points are gone. These reward points have redemption value of $ 530- {$1000.00} according to the popular credit educational site, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). I had already planned to redeem these reward points for my overseas XXXX trip plan this year but now I may have to cancel the trip because of closure of the card. Another card was Bank of America Cash Rewards Card. There were {$12.00} cash rewards on the account before the involuntary closure. The rewards are also gone after the closure of the card.
Product: Credit card or prepaid card

I believe that if a person closed their Secure credit card account they should not have to wait 2 months to get their security deposit back. This account from discover is now showing closed on my report and i want my money back now
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. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case! 

LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however, if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE or SIMPLY REMOVE them from my personal Crdeit Report! 

Any other notation is possibly refutable or even unlawful chicanery-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with your immediate submission to my request via this complaint in writ composition. Please forward me a notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX , XXXX  XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , and XXXX XXXX XXXX.I do n't contacting everyone listed below as well as XXXX and their customer services would not help and take care of the negative inquiries reporting on my credit report. I demand to see a copy of the Verifiable Validation Proof ( of the original consumer contract with a wet-ink signature on it, copies of copies are not validation and by law are not considered proof ), that you have filed for the accounts listed above. Once your investigation is completed, and you find my allegation to be true, please remove the unauthorized inquiries.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I was logged out of my Coinbase Pro account on the app on my phone. When I attempted to login I was prompted to input a code from an authenticator application. I dont recall setting up any Coinbase credentials on any authenticator app or if I did its no longer available on any of my apps. I submitted a ticket so the Coinbases support team to assist with resetting my authentication method. Upon receiving my ticket, the Coinbase specialist disabled both New York Coinbase and Coinbase Pro accounts, logging me out and locking me out of one account that I had no issue accessing and locking me out of the account I needed assistance with the authenticator.

After submitting the information requested by Coinbases specialist the specialist promptly restored my accounts however did not assist with my authentication issue. After I sent a follow up email to the specialist, the specialist immediately disabled my account again and stopped all further communications and work on my ticket. The specialist also refused to close the ticket so another specialist could be assigned to a new ticket. Both my accounts have been disabled for over six days and I have not received any communications from the specialist or any one else working on my issue in over 72 hours. Coinbase support team represented multiple times that my account issue would be resolved in 4-5 days, however its been over six days and I havent even received an update. After searching a few minutes on the public Coinbase help page I found the solution to my original problem described in my ticket. I sent the details and a link to the page to the support analyst who ignored my email despite providing the solution and continued to hold my account and funds XXXX by refusing to restore the account. 

As of today, XX/XX/2020, Coinbase has illegally been withholding access to my accounts for over six days without any justification especially with respect to their decision to restore and then subsequently disable after following up requesting assistance with the reason I submitted a ticket. My accounts total in excess of {$54000.00}. Coinbase in its own policy represents that is has no title to assets held by other individuals, and is illegally withholding my assets and money from me without cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dont reganized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Called Transunion after troubles being able to log into the website from my computer. 

First Call : Employee number # XXXX assisted and was unable to provide a process for me to get a credit report as per my rights under the FCRA. The complaint from Transunion was that they can not provide a report to me, not even for the purpose of refuting potential fraud or misinformation. When asked for a solution, the only one offered was to send a report to an address I no longer resided at. When asked for information on the particular legal entity I was speaking to to confirm and accurately fill out this form, the phone was hung up after the response that the employee was not allowed to give this information. 

I do not have reason to believe the employee was acting out of malice. However, my rights as a credit consumer were not met and I am still unable to receive a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payment for XXXX  XXXX on XX/XX/2020 XXXX XXXX Reported a Late Payment on a Credit Card I have with them. The late payment came from an annual fee on my XXXX XXXX XXXX XXXX. Because I don't use the card and keep an empty balance, I had forgotten about the late fee I paid the late annual fee including the late fee and had asked them to delete the late payment from my credit report since the late fee didn't come from having a balance. And they said they could not do so. 

Since then, the late payment had severely hurt my credit report. Despite having flawless payment history otherwise
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Number XXXX  XXXX ( XXXX XXXX XXXX ) Account Number XXXX  XXXX ( XXXX  XXXX XXXX ) Account Number XXXX  XXXX ( XXXX XXXX ) Account Number XXXX  XXXX ( XXXX XXXX  ) Account Number XXXX  XXXX ( XXXX XXXX ) Reference number XXXX  XXXX ( XXXX  XXXX XXXX. XXXX ) 15 U.S.C 1681 SECTION 602 A. States i have a right to privacy. 

15 U.S.C 1681 SECTION 604 A. States a consumer reporting agency can not furnish a account without my written consent.
Product: Credit reporting or other personal consumer reports

Experian has shielded itself from getting direct contact to them. They have 3 numbers, 2 of which an autobot runs you in circles since no live agent ever comes to phone before the bot disconnects you! The 3rd number asks endless questions to be allowed to wait, finally for a live agent. After 22 mins I gave up. This group is incompetent. I was forced to log in, gave them email address XXXX XXXX XXXX to which they turned around and dug up another email account these fools kept soliciting me to open, that I had to file a complaint to get Experian to cease pursuing! That acct got started by me clicking a link from my credit card company gave me. The problem currently is THEY have merged 2 employment companies, that are separate from each other and that I have no way to amend. They've also taken 1 address and turned it into 2 addresses. Their website is inefficient to address these 2 issues, EVERYTHING is on automatic. I can not even access my own report, because Ive never been given a dispute id. I despise this company they are wretched excuses for a credit reporting group.
Product: Money transfer, virtual currency, or money service

My sister sent me {$1000.00} via Venmo. 

I set an account with Venmo. 

I got the {$1000.00} but Now I can't get the {$1000.00} from Venmo. 

They will not answer their XXXX phone for nothing. 

I called Paypal because they own Venmo XXXX Paypal does not have a phone number to call them! 

I tried to send via email to them with the problem and they email me back saying they might take 2-3 XXXX days to solve the XXXX issue. 

And of course via email only. 

I think companies the do this should be made to have a customer service hot line, staffed with a god XXXX live person. 

I would like to start a class action to sue them. 

They can use my money for days with no accountability at all. 

thank you XXXX XXXX