23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In the Fall of XXXX, Wells Fargo Home Mortgage ( WFHM ) did mortgage modification making my home loan more affordable. My mortgage loan with WFHM started to default in XXXX of XXXX due to divorce & my becoming XXXX. I signed up for Home Mortgage Foreclosure Avoidance Program sponsored by Oregon Department of Justice. I went through the program twice but was unable to meet their requirement due to Debt to Income ratio. After utilizing and exhausting all of my financial resource 's to try to remedy the problem, I am not hopeful of any solution. Further, I was contacted by WFHM and ask if I had consider walking away from my home mortgage, recommending that I apply for a Mortgage Release / Deed in Lieu Foreclosure ( DIL ). The DIL was a Cash Incentive Based Program by WFHM with a potential paid out amount to me of up to $ XXXX. These monies were to help with relocation costs such as rent, moving, labor, storage and cleaning costs. 
It should be noted that WFHM did have certain requirements mostly associated with the condition that the home was left in, I.E., cleanliness. In XXXX of XXXX WFHM initiated the formal Foreclosure. In XXXX of XXXX, I applied for the DIL and WFHA requested such documents as ; My Hardship Letter and Income Proof. I received notification from a XXXX part company named ; XXXX XXXX XXXX XXXX that the Trustee 's Sale would take place on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I contacted WFHM, less then 72 hours before the Trustee Sale date, I found out from WFHM my mortgage loan no longer existed in Wells Fargo 's system and that the DIL was off the table wad I was never notified. Further, I found out that Wells Fargo sold my mortgage to a company named, XXXX XXXX XXXX. XXXX XXXX Loans offered a Deed in Lieu Program but requires 37 days and without any cash incentive for relocation expenses. This seems to be completely wrong and I feel that my Due Process Rights Have Been Violated. How many other people do they do this to. I lived in my house for nearly 30 years and now that I become XXXX I limited to what I cane do and how I can do things without help. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX ( XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I got copy of my credit report and I noticed that this consumer reporting agency is reporting transactions on my consumer report. It is a violation the Privacy Act of 1974, I have reached out to the credit reporting agency and they have been ignoring me. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions are to be excluded from my consumer report. In accordance with Federal Law I want this matter rectified. Thank you
Product: Credit reporting or other personal consumer reports

These Accounts and inquiries are incorrect, since i do not recognize them, please investigate them and delete them Accounts : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am requesting an update on account payment history or removal of account from my credit report due to inaccurate information. I do not understand how my account goes from showing as current in XXXX, XXXX and XXXX and then suddenly in XXXX of XXXX I am 90 days late. Wouldn't my student accounts have shown 30 and 60 days past due in XXXX and XXXX? The account then goes on to show no data on my XXXX, XXXX and Equifax for several months. I graduated from XXXX XXXX XXXX XXXX XXXX in XXXX. Something is not adding up here. I am showing no data for XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX XXXX, XXXX - XX/XX/XXXX, and XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, this is a 2 part problem that includes XXXX, XXXX, XXXX, and Navient. These schools took out loan amounts that were more than the cost of school. 

Navient keeps pushing Forbearance on me and with calls. What I am for is a income driven pay back plan but I get no help. Now the loan amounts are more than what I can handle. This has hurt my credit DTI and score as a result of both issues. 

Please help! 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Comenity Bank called once an hour than twice within 15 minutes on XX/XX/2020. 
XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX
Product: Money transfer, virtual currency, or money service

PayPal 's User Agreement and other policies prohibits access to my own money in an abusive and illegal manner. They first set a 21 days incapacity to withdraw my money after I receive a payement ( coming from selling on XXXX ) which I understand ( this is for both PayPal and the buyer 's protection, to avoid problems ). But claiming that my " account reported to be involved in possible fraudulent or high risk behavior '' for selling items via XXXX and receiving positive feedback from the buyer is just a way for PayPal to limit my account and hold my money without any valid reason whatsoever, probably to generate interest or conduct any kind of money laundering or embezzlement ... That, I do n't know, but this is what it looks like to me. Everytime I request info about the reason why they placed a restriction on my account and wo n't allow me to access my XXXX EUR ( more or less ), they send an automattic response saying that I represent a risk. I have no informations about this so called risk, I have no money, I have no one to discuss this matter with, I ca n't get a hold on someone else than a robot from PayPal that could/would/should help me. I tried in every way possible to solve this with them, but they deflect and refuse to do so. No activity from my account represents a risk, nothing at all, and they know it, but they keep abusing of a power they do n't even legally have. They are operating as a financial institution with power of seizure, without legal authority to do so and by doing so, they illegally hold my funds, they abuse of their power and also, they breached my trust, as a consumer ( since I 've trusted them with my money and now they wo n't let me have it ). Needless to say, I need my money back ASAP, since they represent my only income. The prejudice that PayPal is causing me is beyond their imagination ( that is, if they even care or think about it ) and I need them to do right by me and the tons of people that are also in my situation ; to act within THE LAW ( not their law! ) and to lift the restrictions on my account and give me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX around XXXX pm I pulled up to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa. The machine gave me a receipt and never gave me my card back. I discarded the receipt because I thought it would post to my account. 
Two days later my money never posted to my account.

Over the phone I was told be a specialist that she can see my money in visa and its going to take a little longer to get to me, she said call back the next day and they will credit my account ... needless to say this didnt happen. 
I went to XXXX XXXX XXXX XXXX they told me to call my bank navy federal credit union. I called my bank they said they would put an investigation in but never got back. When I called they told me I would have to call XXXX XXXX XXXX XXXX to ask them if they had an overage. Whats the investigation for if I HAVE TO HELP INVESTIGATE!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items dispite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amended the disputed accounts, as Experian 's inaction violatea federal law and my rights as a consumer.
Product: Student loan

I have several loans being serviced by Navient, one is a Dept of Education loan. I have made a number of payments to the DOE loan and on XX/XX/XXXX looked online and could not see payments that I mailed last month posted. I provided Navient via email on their site, the most recent check # s made & sent to pay the loan at the XXXX, GA XXXX address that I always mail the payments to, and requested for them to look into it. I have not received a response. However, the second request I made the same day via email ( through the Navient site ) to change the payment date for the other 2 loans, to match my pay period at work was denied -- NOTE : that email was IMMEDIATELY responded to by Navient. They also make it difficult to retrieve my communication with them via email through their site but are quick to email me regarding late payments ( pdf doc in their website under my profile ). This morning, I set up Bill Pay through my financial services department, so that Navient will stop charging me late fees. I can absolutely understand why people get frustrated and file complaints against Navient.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, Ut XXXX XX/XX/year> To Capital One Form 1099-C Cancellation of Debt I recently reviewed my credit report and seen that you say I have an account that is listed as a charge off, which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report because it is considered income and only debt can be reported on my credit report. Your company is trying to collect or having a charged off status.

I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681e ( b ) you are reporting information that's not 100 % accurate. The IRS directed me to file form XXXX for illegal tax violations upon your company. I'm quite sure your XXXX XXXX XXXX don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. 

Capital One Account number XXXX
Product: Student loan

I have tried for the past 90 days to request an economic hardship deferment. There is no way based on my current situation that I can make the payments. I have advised them of reduction in income ... The number of children in my household alone combined with my income puts me at below poverty level. I even did the calculation on their website and it said my payment should be XXXX. I submitted the documentation and they continue to deny me. I need some assistance.
Product: Checking or savings account

It will be a year in two months this account has been frozen. No one has reached out or return phone calls. 


On XXXX I spoke with a unknown woman from Citizens Bank. She stated that my Business checking account with " XXXX XXXX XXXX XXXX XXXXXXXX XXXX " was on hold because my business address didn't match, she also stated that my license number didn't go to anyone, she questioned me about why i get my license in XXXX of XXXX. She also stated my ssn wasn't registered to a person. This unknown woman stated once I went to the bank to fix errors she would release my funds. Once i went to the bank I filled out a w-9 form, I gave the banker a copy of my drivers license and ssc. The banker brought to my attention that the first 3 numbers were different in the system than what was showing on my ssc ( updated ) Human error. Also he ran my drivers license number and it came back valid. I don't understand why this unknown woman lied and said my license weren't valid. I contacted the unknown woman back. The text messages are attached. Please look at attchments. This woman lied to me she did'nt release my funds like she told me she would. I've been trying to reach out to unknown woman she will not return my phone calls or text messages now. I sent this person personal information via text message I'm not even sure if this is legit at this point. All I want to know is wny my account on hold and why am i being investigated. I feel this is XXXX profile for the fact this unknown person stated she doesnt understand my bank activity. ( This is my bank account therefore my banking activity has nothing to do with anyone as long as i'm not commiting fraud. ) My company did a background check on the iphone cell phone XXXX. The background check shows a XXXX XXXX or XXXX XXXX as the owner. Email address XXXX XXXX XXXX XXXX
Product: Debt collection

Ad Astra claimed they have sent documentation and as of this date there has not been anything delivered. I have even checked with the post office and they do not have anything. I am requesting a deletion of this account from all 3 credit bureaus. I have even requested two times about a pay for delete and in no way am I acknowledging this is my account. I just want it removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MN XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX. 
XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$5000.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

Someone used my name and address to open an account at Suncrest Credit Union. They then overdrew the account by {$100.00}. I contacted Suncoast and they said they would send me a financial fraud reporting email. Instead they turned it over to a collection agency named XXXX who is now attempting to collect the false debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, PAXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

The account on consumer 's report was marked as a charge-off and based on IRS publication XXXX, canceled debt must be filed on my taxes as income which should not be reported on my credit report. This must be removed from consumer 's credit report immediately. This is a violation of consumer rights because it is incorrect reporting.
Product: Payday loan, title loan, personal loan, or advance loan

Due to the current economic circumstances I applied for an emergency loan. On the initial call to provider I was advised that I could call in early and not be subject to the interest fees. When I called back XXXX weeks ago I could not avoid the interest with paying off early and also how none of my payments were going to the principal balance. I was advised the majority of payments are paid to the interest vs the principal balance and that's just how they do business. Making it impossible to pay off early so your locked into having to go the full term of the loan with no other options. THIS WAS MADE HIDDEN FROM THE CONSUMER DEEMING THIS PREDITORY LENDING PRACTICES.
Product: Debt collection

Caine and weiner a collections company from the roque state of CA. failed to report that the debt was paid in full.
Product: Debt collection

XXXX XXXX of the Bison Group has called my cellphone incesstantly multiple times over the course of the last 3 weeks. Today, I was notified by my sister that he has begun to call her phone numerous times attempting to reach me. She is not responsible for me and should not be contacted for any reason. I am unsure as to what he told her but she told me that he sounded serious. This leaves me to assume information may have been disclosed that should not have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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: Money transfer, virtual currency, or money service

Coinbase is a disgusting, greedy entity that is in desperate need of regulation. They are XXXX liars and i can prove it. 

I purchased {$1000.00} of USDC yesterday, Saturday the XXXX which was stated to be able to be moved immediately. I know this because i've had previous issues with Coinbase holding funds in their system before. They have burned me so many times using this scam tactic where they keep your money for a week or two at a time, that i will only transact with them if the funds are available immediately. 

I tried sending it to a wallet off of Coinbase, but Coinbase then stated my account was restricted. There was no notification about my account being restricted before the money was purchased. There was no email. There was no notification. 

They will allow my to buy up to {$10000.00} that exact day, but can not allow me to move my money off their platform. They also only tell me my account is restricted after the fact. Here is the email reply to why my account is restricted. 

" Hi XXXX, Thank you for contacting us. We appreciate you bringing this to our attention, so that we can deal with this immediately. Rest assured that we will get the bottom of this. 

Your account is temporarily suspended from sending cryptocurrency off the Coinbase platform. This is to protect against loss, because after funds are sent off our platform, we have no way to reverse those transactions. 

This feature will not be re-enabled until XX/XX/2022 at the earliest. The current restrictions on your account mean that you must first convert your crypto to fiat and then withdraw the fiat funds to your verified bank account. 

Digital currency accounts can be a target for potential scams. The only information a merchant, vendor, or seller would properly request is the receiving address for your wallet. Anyone asking for other account information, such as your account 's password or 2-step verification codes, is likely a scammer. 

Please also beware of " investment opportunities. '' Any service that asks you to send crypto to an external wallet address in order to receive returns on an investment is probably a scam. 

Digital currency transactions are irreversible. After crypto is sent off the Coinbase platform, we are not able to recover it. 

Remember : Do not share your security information with others. 

Please note : that Coinbase users are solely responsible for the security of their devices, passwords, email, and 2-step verification codes. To help protect yourself from potential digital currency scams, please read our Help page : https : //help.coinbase.com/en/coinbase/privacy-and-security/avoiding-phishing-and-scams/avoiding-cryptocurrency-scams? ref=es Regards, Coinbase Support '' This is similar to when XXXX removed the buy button but would still allow you to sell. XXXX crime. 

It's my money. They do not get to put pretend rules attached to them because they aren't comfortable with me moving my funds to my wallets so i have control over the money. Not my keys, not my coins. I want my coins and I WANT THEM NOW!