23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been harassed by CAVALRY PORTFOLIO SVCS. Called several times a day at all hours of the day, and harassed. I was also sued and improperly sued to which I disputed in court. As stated in 15 usc 1692c ( c ) Law states : If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. Furthermore according to section 609 A1A, you are required by federal law to verify through physical verification, of the original signed contract, Any and all accounts that you post on a credit report. I demand to see a verified proof. If you fail to validate, remove from my account immediately.
Product: Credit card or prepaid card

I was charged {$430.00} USD on XX/XX/ by XXXX XXXX company for a tow I did not request. I was a member of the residence and my property was towed at my residence. 
The charge was made on my USAA XXXX XXXX credit card and they rejected my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Disputed : XXXX XXXX XXXX Date Disputed : XX/XX/2020 and XX/XX/2020 Reported Balance : {$990.00} I disputed this collection account with Transunion that they should remove or delete this collection from my credit profile since they could not provide physical verification of original signed consumer contract that I had with the reporting company. Instead it came back verified without any physical proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is saying Im deceased which I am not
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX  XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent ERC a debt validation letter and today XX/XX/18 I recieved a letter from them stating the debt was validated with a bill. Which is not validation.
Product: Money transfer, virtual currency, or money service

I made an instant withdrawal on XX/XX/XXXX that never reached my account. I have been going back and forth with Coinbase ever since. I have provided them bank statements proving that the funds never reached my account, I have also provided them an account statement with signed verification from the Bank Manager stating that the funds never received my account. None of the transaction or reference codes provided by Coinbase can be verified by the bank. Coinbase has offered no resolution method. All coinbase has done is said they " investigated the complaint and the transaction reference number confirming that the transfer was successful. '' Despite my valid evidence that the funds never reached my account, despite signed verification from my bank that the funds never reached my account, Coinbase has continuously failed to provide any further steps to resolve this matter. They just keep claiming that, since it shows as successful on their end, it was a successful transaction, end of story. No further support whatsoever. To further underscore their blatant incompetence, they have opened and closed numerous case files for this singular incident. I have XXXX case numbers : XXXX, XXXX, XXXX. All of which were closed without resolution. 

Coinbase has continuously failed to acknowledge the evidence they requested to prove that the funds did not reach my account, and they continue to consider the matter " closed and resolved '' without offering any further resolution effort. They're simply denying my claim and doing nothing about it. I'm not going to quit filing complaints until my evidence is acknowledged, I'm provided some additional resolution method after repeatedly providing evidence that the funds never reached me, and I receive the instant deposit that I requested on XX/XX/XXXX that still has not reached me.
Product: Mortgage

I am in escrow for a new build with Bank of America as my lender for the past 6 months. This is my and partners first home purchase. The whole escrow process has been smooth and my loan officer has been concise, informative and patient but I am having one road bump at the end of escrow. Well, my initial closing date was XX/XX/XXXX but the builders informed me my closing date is now XX/XX/XXXX which I was notified end of XXXX. As a result, it is less than 45 days left until close so we had to lock in rate. My credit report and co-applicants credit report were repulled since the previous were expired. We shortly found out that the balances on my co-applicants revolver balances and primary address were incorrect. We requested our lender to repull our credit reports since we had them fixed but Bank of America stated they will not repull since they have already pulled them and we are approved. Ultimately, this inaccurate information on our reports is going to cost us thousands in closing costs and increased our rate significantly. I tried contacting upper management but they denied our request stating that its against policy and that we are already approved. We can only get them repulled if we were denied or if the lock rate period is expired which is XX/XX/XXXX but this isnt going to work since itll push our closing date with the builders. At this point, were having to deal with the situation when it could be so simple to have our credits repulled.
Product: Credit card

A hard credit inquiry -- a totally fraudulent, unauthorized credit inquiry -- was made on XX/XX/XXXX by way of " Bill Me Later '' /CCB/PayPalCredit. This is damaging my credit and making me fear of potential identity theft. Please stop this fraudulent practice of signing ( or attempting to ) sign people up for credit cards they never asked for.
Product: Checking or savings account

I have an online savings account with Citi Bank, Citi.COM and a credit card. I changed my phone number on Saturday, XX/XX/2023. I was not able to sign onto the website to change my phone number because the website would only text or call my old number that was no logner good to identify me. I couldn't recover using email. I called the credit card to change my number. They said to wait a couple days then retry. The system still didn't fix itself. I called back. The Credit Card said that it was the Bank with the Savings account that I needed to rectify and they transferred me. The agent had to verify my identity so I provided all my information. Then I was told that there was nothing they could do and they hung up on me leaving me locked out of my accounts. I filed a complaint with the XXXX XXXX XXXX Their response was that they would take 15 days to investigate. I called back and at least got an agent to send me a letter I could respond to, but that took about a week and a half. I called them to find that they triggered a fraud alert because I needed to call to update my new number on XX/XX/2023. They called my phone call, " suspicious ''. I called them today when I received the letter from the fraud department, XX/XX/2023, and was on the phone for approximately an hour to finally get access back to my account with the help of the customer service rep. Then I went to log back in later and I'm locked out again. I called and the rep told me that my number that was entered today is not eligible for online banking for 14 days. 
The nearest physical bank is 2 states away from my location- a 4-hour drive. 
So, I'm not able to manage my credit card. I don't know if there are suspicious charges to be disputed. This is going on a month because I needed to update my phone number.
Product: Mortgage

BSI Financial failed to pay my property taxes from my Escrow account resulting in {$190.00} in late fees from XXXX XXXX. I had to submit the payment personally to XXXX XXXX even though I have an escrow account that is supposed to take care of Taxes and Insurance payments. Also my Home Owners Insurance has repeatedly submitted to BSI financial the Insurance Declaration Page and BSI Financial keeps on loosing it. I had to call XXXX XXXX and tell them to submit the Declaration page again. BSI Financial is an incompetent and costly institution that blames it's incompetency 's to its customers. I want my {$190.00} refunded. I've called BSI numerous times regarding this issue and they keep on avoiding me. I want to be removed from BSI financial and move to a different Mortgage processing company.
Product: Debt collection

I am a victim of identity theft. The accounts listed on my file are fictitious and fraudulent. I did not authorize or give consent to opening these accounts. There are a result of identity theft. My personal information email, Social Security number, home address has all been compromised. Please release me of these fictitious accounts. I demand an investigation into these accounts immediately and the removal of any reporting thank you. XXXX XXXX XXXX XXXX XXXX XXXX The Bureaus, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My husband and I refinanced our loan with XXXX XXXX XXXX ( they're not the problem in XXXX. Our loan officer advised us not to make our XXXX mortgage payment because the refinance would fund in XXXX. It did, on XX/XX/XXXX. 

There are a few issues here ... 
Our previous lien holder was XXXX XXXX and we got a notification saying that the servicer was being transferred to BSI Financial Services. This new servicing would take place in XXXX, and I think it went into effect on XX/XX/XXXX. Our new lien holder was/ is XXXX , as of XX/XX/XXXX. 

I am filing a complaint against XXXX XXXX, BSI, and XXXX XXXX XXXX. 

We have received notices from BSI stating that the payoff amount was not sufficient enough ; that it was {$500.00} short! I've spoken with both BSI and XXXX regarding the difference. Escrow provided me with a payoff amount and BSI said that it was enough to cover the total loan payoff. XXXX  changed the payoff amount after the loan closed. If there was a discrepancy, our escrow account should have covered it. I have also yet to see a refund from our escrow/ impound account, that was supposed to be a direct deposit. 

I am tired of being passed around, and told to contact multiple departments to get this issue resolved. It sounded like BSI was being cooperative, until we received a new mortgage statement saying we owe them three months of payments, totaling {$6600.00}. That's insane! They're not even our lien holder! 

I called BSI again and they said they could not credit any of the payoff amount towards our account because of the missing {$500.00}. 

Lastly, I am not sure which lending institution it was, but one of them reported a 30-day late on my and my husband 's credit reports. This has severely affected our credit scores, dropping them nearly 130 points! I have completely lost my patience at this point. I am not wasting any more time, playing phone tag and detective, regarding who the best department is to resolve this. Everyone has records of everything. This has seriously inconvenienced my family.
Product: Debt collection

I have a unrecognized debt on my credit reports from " Credit Management Company ''. I have no idea who this company is and I never had any dealings with this company. This company is fraudulently reporting to the credit bureaus and damaging my credit score. They have reported to XXXX XXXX XXXX so far from what I seen by receiving credit alerts to my phone. 

XXXX file number XXXX XXXX XXXX file number : ( will login to retrieve it again )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process+ was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureau is continuing to allow XXXX system to report false and fraudulent information on my report. I have attempted to resolve this with them since XX/XX/2020. XXXX  is attempting to collect a debt for direct energy which does not exist and never has. i contacted them directly and they have no trace of information that relates to me. its false. ive asked several time on multiple requests for proof and it nver has been provided ( once again i knew they couldnt provide because the account with direct never existed ) its for the total of {$230.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i did a wire transfer from XXXX  XXXX XXXX, on XX/XX/XXXX i opened the case with coin base about the missing wire.. and called them ..Due the miss match on the name of the account they send me a mail that a refund has been processed..but still i havent recevied my money back i try to solve it by opening cases and calling them : here are the cases XXXX Coinbase Support XX/XX/XXXX XXXX Coinbase Support XX/XX/XXXX XXXX Missing Wire Refund XX/XX/XXXX XXXX Coinbase Support XX/XX/XXXX XXXX Coinbase Support XX/XX/XXXX XXXX Missing wire XX/XX/XXXX XXXX Missing wire XX/XX/XXXX On XX/XX/XXXX i called XXXX XXXX  which coin base is working with and ask about the wire refund, the bank told they can see it and they cant process until the coinbase has initialed a refund and gave me the phone number to call coinbase and i opened a case with XXXX  on XX/XX/XXXX Still no respond from coinbase
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person.XXXX XXXX  also known as XXXX XXXX XXXX is in violation of 15 USC 1681 604 A section 2 in which i have NOT given written permission to furnish the account to any consumer reporting agencies.

Also, 15 U.S.C 1681 section 602 A states I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # XXXX ; XXXX On XX/XX/2019, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXXXXXX XXXX I have recently been a victim of identity theft. someone has used my personal information to apply for lines of credit with credit grantors. The following accounts are a result of my identity being stolen. 
-XXXX XXXX XXXX Opened XXXXXX/XX/XXXX XXXX {$23000.00} XXXX Opened XX/XX/XXXX XXXX {$71000.00} -XXXX XXXX Opened XXXX XXXX, XXXX XXXX {$74000.00} XXXX XXXX XXXX, XXXX Opened XX/XX/XXXX XXXX {$92000.00}. 
I don't know how the thief got ahold of my personal information but I am certain these accounts do not belong to me.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$980.00} XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and transunion are reporting inaccurate information on my credit report.
Product: Debt collection

The first contact with me on this debt, I asked which debt it was but never was clear as to the original debtor and the amount. It was an old credit card debt and since it was small I was willing to work with the company to make payments if it was truly a debt I owed. They had contacted me when I was out of town with my ill father, so I asked if they could contact me when I was back at home and could verify what they had told me. They stated they would call me back to make arrangements and NEVER DID. I never received a phone call or any type of process service until after I was sued. Apparently, they served me by mail, however because my father was ill and I was helping with him I was staying with my parents. If I would have received any type of legal document I would have made it a point to go to court, there is no way I would just not show up if I knew I had to be in court. I would think there should have been some type of communication or work out prior to taking me to court and there was no such phone calls after the one first call.
Product: Money transfer, virtual currency, or money service

This is a follow up complaint to : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 KeyBank claimed in their resposne that they have resolved this, but my money has still not been returned. I have called the branch several times since the problem has been resolved, but they refused to talk to me. They made it clear that someone from KeyBank would be reaching out to help rectify, but it has been another month and nothing. I am at loss. The company is simply refusing to return the ~ {$XXXX}.
Product: Student loan

In approximately XXXX, I consolidated my federal school loans with my loan provider, American Education Services ( AES ). In XXXX, the public service forgiveness act was passed, which forgives the balance of your school loans after 10 years of public service. In XXXX, I called AES to inquire what I needed to do to be eligible and if I needed to reconsolidate my loans. I was informed that I could only reconsolidate once, and that I was already eligible because my loans had been consolidated. I was further advised that in XXXX XXXX, after I have filled out the required paperwork, I would be eligible to have the balance of my school loans forgiven. From XXXX through the present, I have worked for the government. In XXXX, I changed jobs from XXXX to XXXX At that time, I followed the instructions from the AES representative and submitted my paperwork for this employer. I currently work for the XXXX. Recently, I submitted my paperwork from this employer to continue my eligibility. However, I was recently advised by AES that I was no longer eligible for public service forgiveness because my loans were not consolidated as " direct '' loans. After hours and hours of trying to resolve this situation with AES and explaining that I had been told in XXXX that I was eligible and that no one had told me otherwise, knowing that I worked for the government and was submitting paperwork for the program, A supervisor told me, " Look, AES is a business. We are not out to look for your best interests. We look out for our client 's interest, and they are about making money. We are not going to assist someone in taking money away from our clients. It was up to you to determine if you were eligible. '' I was further told that " At the time I called in XXXX, the program was new, and the representative gave me the wrong information. '' I think this is completely unacceptable. AES knows that I have worked for the government for almost 15 years because that information is on file. They also know that they were likely providing the wrong information to their customers. There should be some sort of remedy for their deceitfulness. Can you please help me?