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

I purchased Ethereum on XX/XX/XXXX from Coinbase. There was an incentive to convert the Ethereum into Ethereum2 with the promise of a good return on the investment before the year ends. Since it was already the end of XXXX the end of the year was very close I thought why not. I put all my Ethereum into the Ethereum2, it was XXXX $ at the time. Towards the end of XXXX the value of my Ethereum2 had gone down to XXXX XXXX And Im not rich and I wanted my money out because the return was not happening. The initial advert said the Ethereum2 can NOT be transacted until it is transferred back into the original Ethereum. I went to my Ethereum2 wallet on Coinbase and it said my funds were locked and could not be transferred or accessed in anyway BUT will be available shortly. Ok I figured shortly doesnt mean never. So I contacted Coinbase about getting funds out in the end of XX/XX/XXXX and I got a reply saying the funds will be usable before the end of the year. Coinbase kept changing its terms for the Eth2 investment. Well it is now the year XXXX and we are almost in XXXX. The funds are still unavailable. It feels like I got robbed or swindled. Like this is what investment scams do they take your money with promise of big returns and then they keep changing the return on investment date. In this case I have watched the value of my XXXX $ go down to XXXX $ with no way to get out. I have contacted Coinbase multiple times and they will not give me my money back nor do they have a time when i can get it back. Its very frustrating. I would not have agreed to this kind of investment if it was made clear that the money would not be made available indefinitely.
Product: Mortgage

XX/XX/XXXX I was unable to make house payments. I did paperwork with Flagstar Bank to conduct a short sale. We had aprox XXXX-XXXX offers the bank never responded to any of them. Then I did the Deed In lieu paperwork XX/XX/XXXX. The bank has seem to have accepted the home but did not change the property out of my name. The bank has been paying the property tax on the home since XX/XX/XXXX. This bank has substandard customer service. I have to do forms multiple times. I am XXXX to XXXX in 3 weeks and I need this issue resolved asap.
Product: Vehicle loan or lease

On XXXX the XXXX of 2020, we called the phone line for Chase Auto Finance to make our first payment on our auto loan. We provided the account and routing numbers for the bank account we were using to pay the bill to the agent over the phone. We later received a statement that reflected our timely payment, but the funds never left the account. We left the requisite funds in the account believing that some bureaucratic lethargy was occurring. 

We were later contacted by Chase Auto Finance by phone declaring that our payment was late and it was due immediately in addition to a late fee. On XXXX the XXXX, we used the debit card to that very same account to pay the bill and the funds were taken. We took the appropriate steps at the onset and were hit with a late fee as well as a late payment report on our credit reports. 

This happened a second time on XXXX the XXXX when we processed another payment by phone with the same account and routing numbers to the same account. Days later, on XXXX the XXXX, we used the debit card successfully once again yet still received another late fee and late payment report on our credit report. 

We reached out to both Chase Auto Finance and our banking institution to make a concentrated effort to figure out just what was going on. While Chase reported the funds returned, our bank reported the transaction never even occurred. We then attempted to resolve the issue with Chase by phone and got nowhere. 

On XXXX the XXXX, we wrote a letter to the XXXX of Chase Auto Finance by way of Certified Mail requesting a resolution complete with our compiled evidence supporting our claim. We received the Certified Mail receipt approximately a week later but have heard nothing in return from Chase Auto Finance, their XXXX, or their XXXX Resolutions Department since more than thirty days later.
Product: Student loan

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX XXXXXX/XX/2008
Product: Mortgage

I opened this loan back in XXXX  with borrowing only {$250000.00}. The home I bought then was {$300000.00}. My father gave me money to put down on the home which was {$45000.00}. I financed {$250000.00}. Today this company is saying I owe them more than what I borrowed from them. I have paid them many many many many many many many many YEARS of XXXX monthly. 
The original loan was with XXXX 
I trusted the local mortgage company sponsor to affirm a safe company to trust and do business with. 

Im a mother of XXXX children. The government has fed us and gave us medical coverage. 
Ive had this mortgage for XXXX Years and leaves at this same address for these XXXX  years. 
1.This company will not tell me my payoff amount. ( I have the house sold ) Im trying to pay them. 
2. This company wont give me my amortization. ( My entire payment history ) - for 6 Months I have been on them for this report. They say they will slug mail it and do not. This is the same answer they give me each time I call. The information of what I paid thru the entire XXXX years they will not turn over. 
3.with a divorce XXXX years. The home is now being sold and I noticed they charge me for insurance {$2000.00}. Its actually {$1000.00} a month. 

Im a single mom Just XXXX XXXXXXXX XXXXXXXX for XXXX years now. 
Im trying to sell the home as its not upside down anymore and this mortgage company wants my home. They want to sell it. 
They are making my task of paying them off impossible. Please help me Ill go on live news if needed. They have killed so many families with these loans.
Product: Debt collection

They have been contacting me for months about a debt that doesnt exist. When I did finally talk to them, the man was incredibly rude, demanding personal information before he would even verify that he was calling from a debt collection agency. He just kept saying that he was calling from the CBE group and when I asked if that was a debt collection agency, he proceeded to raise his voice and kept repeating that he couldnt say what he was calling for unless I gave him personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX not mine US DEPT OF EDUCATIO XXXX not mine XXXX XXXX XXXX XXXX not mine PUBLIC FILINGS BANKRUPTCY : DISC CH-XXXX XXXX not mine
Product: Vehicle loan or lease

Had a auto loan with Bank of America for over three years no late payments fell ill got behind a few months on loan so I paid the past due on on the scheduled due date of XX/XX/18 on the statement that the bank sent so the account charged off on XX/XX/18 call a rep XXXX XXXX she advised me that money would not be accepted and applied to the charge off account only
Product: Mortgage

I was sold a mortgage by bidding on a home that was foreclosed, the saleman press to bid higher and higher to win the bid. the saleman connected me the person finance my loan at Flagstar bank, Flagstar Bank kept telling me they work with me after informing them I needed help and after they assure me they were not going to foreclosed. I sent {$2000.00} and then found out my loan was to another loan company, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I disputed several collection items with XXXX, XXXX and Equifax. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XX/XX/2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed complaint number XXXX. In this complaint I stated that I found an unauthorized inquiry from XXXX 's on my credit file which was made on XX/XX/2016. XXXX 's responded by ignoring what the complaint said and removing a VALID account from my credit profile.
Product: Mortgage

Rushmore Loan Management, my mortgage company not by choice but because they purchased my mortgage from my former mortgage company, has been in possession of {$28000.00} issued by my insurance company, XXXX XXXX, to cover a portion of the cost to replace the damaged roof on my home. The checks were issued to me, my wife and Rushmore. My wife and I were instructed to endorse the checks and forward them to Rushmore 's Loss Draft Department in XXXX XXXX, Texas, which I did, the first check was sent on XX/XX/XXXX in the amount of {$27000.00} and the second check in the amount of {$1200.00} on XX/XX/XXXX. For the past five weeks me, my wife and the business manager of the roofing contractor that did the work on our home have been trying to Rushmore to release the funds. The roofing project was completed in XX/XX/XXXX. XXXX XXXX issued payment based on project completion, my wife and I have signed an affidavit of completion, the roofing company has signed an affidavit of completion, the local building inspector has issued a certificate of completion and our XX/XX/XXXX has issued a letter of completion and yet XXXX can not complete the process or is unable or unwilling to process our request and return our funds so we can make the final payment to the roofing company. The roofing company has been waiting for payment for more than 90 days and are in the process of putting a lien on our home.
Product: Debt collection

I have disputed this debt through the credit reporting agency-XXXX. I paid this account in full, and I returned the necessary equipment in working condition. I moved from this location, and was unable to fulfill contract, because this carrier was not able to provide service at new address. The dispute did not provide any results. Thank you for your valued time. 

Kindest Regards, XXXX XXXX XXXX XXXX. 

I C SYSTEMS XXXX # : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX ( XXXX ) XXXX XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$590.00} DateUpdated : XX/XX/XXXX Original Amount : {$590.00} Original Creditor : XXXX  XXXX ( Cable/Cellular ) Past Due : > $ XXXX< Pay Status : >In Collection<
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX made a {$140.00} purchase through XXXX. Loan expiration was XX/XX/XXXX. This was an EQUAL PAYMENT NO INTEREST loan. All payments were to be calculated by Synchrony IN FULL. Automatic payment of {$830.00} was made on XX/XX/XXXX. The {$140.00} loan was to have been paid off. It was NOT! {$2.00} remained. Synchrony online posts this warning : " Promo Alert : You have a promotional purchase that will expire within the next 30 days. '' This alert is NOT sent via email or phone call or text. I called XXXX and spoke with XXXX. He had a series of excuses that implied it was the system and that I was liable. He said he could take the {$2.00} payment information from my debit or credit card. I advised him that I was contacting XXXX management and the CFPB over this repeated deceptive and fraudulent practice of cheating customers. I have manually made the {$2.00} payment online however I have no confidence that Synchrony will even apply that payment to the balance. XXXX management are investigating. This has been a repeat complaint. I have advised XXXX management once again to seek other more honest financing options than Synchrony such as XXXX. Why is it that the CFPB allows Synchrony to continue with this type of fraud and deception?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - sent letter to all 3 credit bureaus and XXXX XXXX ( creditor ) disputing loan balance and payment history XX/XX/XXXX - send 2nd letter to all 3 credit bureaus and XXXX XXXX ( creditor ) disputing loan balance and payment history Both instances where letter was sent, the only response I received was " verified ''. 

Currently that is the only response i received from anyone regarding my issue since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation credit card payments never late
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation personal loan not mine
XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA Violation personal loan payments never late
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation collection not mine
XXXX XXXX XXXX

FCRA Violation inquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation hard inquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
FCRA Violation personal information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

Its something on my background that wont allow me to open simple accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to request assistance with a matter concerning my credit report with Experian. I have discovered an erroneous collection item listed on my credit report that I believe was added in error, and I would like to request that it be removed immediately. 

The collection item details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX ( partial ) Address : XXXX XXXX XXXX, XXXX, VA XXXX Reported Amount : {$8600.00} I have attached copies of the pertinent pages from my Experian credit report for your reference. I believe this collection item is a mistake, and I am requesting that it be removed from my credit report immediately. I have already attempted to resolve this matter with Experian and XXXX XXXX XXXX directly but have been unsuccessful in having it removed. 

I kindly request your assistance in this matter and ask that you investigate this collection item and facilitate its removal from my Experian credit report. I understand that the CFPB plays an essential role in helping consumers like me protect their rights and ensure the proper conduct of credit reporting agencies. 

Please confirm in writing once the collection item has been removed from my credit report, or if you require any further information or documentation from me to facilitate this process. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a past due bill of {$370.00} in XX/XX/2020 because someone took out a {$5000.00} credit loan from Conns XXXX XXXX in which I never opened an account from or bought things from. I have contacted the fraud department. They sent me a form, I have to file a police report and a FTC report and this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request Experian/XXXX/XXXX  the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX  XXXX Balance : {$490.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$520.00}, XXXX  XXXX Balance : {$180.00}, XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$390.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX, XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} Inaccurate Name XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Inaccurate Address XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Debt collection

This debt was not mine. However I paid it and was promised it would be deleted from my report. I was provided a delete letter. It is showing on my Experian report. I request it is deleted immediately. The debt is from XXXX XXXX for {$260.00}
Product: Checking or savings account

ALL customer service representatives stated a banker in the branch has the ultimate knowledge to interpret the terms and conditions. 
To properly interpret the clause : You have received a bonus for opening a Wells Fargo XXXX Checking account within the past 12 months. 
On XX/XX/year>, at XXXX XXXX, I spoke to XXXX XXXX XXXX identified himself as personaXXXX XXXX at the local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX He stated - clearly and unambiguously that it means the 12 months period begins from the date of the previous account opening. 

This is important the interpretation of the clause now remains THE SAME meaning as before I opened the account by a banker at the branch, who has the ultimate knowledge.

I certify I am telling the truth and only the truth.
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 In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Disputed identity theft account on my credit report with XXXX and with a cheese personal loans on the first week of XXXX. XX/XX/XXXX the information was blocked removed by XXXX  and on XX/XX/XXXX this information was verified by achieve personal loans, and placed back on my credit report. Achieve personal loans didnt response to my dispute within 30 days nor did they response to XXXX  within the time frame allowed either to which is a violation under 15 usc 1681a ( 5 ) ( i ) ( ii ).
Product: Mortgage

This is my third attempt to resolve this issue. In the two previous attempts, the criminal company involved ( Wells Fargo ), who gets to investigate its own wrongdoing, gets bogged down in the details and ignores the heart of my complaint, probably because it doesn't want to admit my complaint points to a corporate culture of intimidating and bullying its customers. This corporate culture isn't just my opinion, a federal judge specifically called Wells Fargo 's behavior " highly reprehensible '' in her decision. So, Wells Fargo conveniently ignores the actual complaint and instead defends its corporate policy, which conflicts directly with federal law. 
The issue : A banker ( XXXX ) at the branch in XXXX, Virginia slandered me by calling me a criminal. In order to be a criminal, one must actually violate a law. I violated no law. I even checked with the Federal Reserve and confirmed my actions were in NO WAY a violation of any federal law. When I elevated the issue to the individual 's manager, he again called me a criminal and my actions a crime in front of his manager. In a subsequent meeting with just the manager, the manager denied the banker called me a criminal, but after me reminding him of the exact prior conversation the manager sheepishly conceded I was indeed falsely labeled a criminal. Despite this acknowledgment however, he refused to issue an apology for the slander. 
This behavior is a prime example of intimidating and bullying customers which Wells Fargo has a history of doing. I did nothing wrong or illegal ( per representatives at the Federal Reserve and law experts ), but Wells Fargo didn't like what I did, so its representatives tried to intimidate me by characterizing me as a criminal. The bluff failed when I offered to drive to the local police station with the banker and the manager to " turn myself in '' and allow them to collect some sort of " keep our streets safe award '', but they both claimed to be 'too busy to do that '. 
In short : I committed no crime and therefore am no criminal. Wells Fargo on the other hand has a huge corporate rap sheet and knows all about committing federal crimes.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of a collection account listed on my credit file under the name XXXX  After reviewing my credit report, I have identified discrepancies and inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), Metro 2 guidelines, and CDIA standards.