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

There are two concerns here. 

The first is due to all the selling and changing of accounts XXXX XXXX XXXX Changing of websites and things ending up in XXXX back in XXXX. The way i had my loan all set up for leaving town for an extended amount of time. 


I was unaware of the change at the time and i was in an extended forbearance. You can see my credit report supports this. I was without phone service most of the time and i surprisingly found out i was over two months late on a loan i was under the impression was in a forbearance. As you can see in the photos due to me registering to get electronic statements and applying for another forbearance ( which XXXX was very helpful with ) they said they could backdate my forbearance from XXXX to XX/XX/XXXX and would remove the late pays on my credit report. almost 6 years later i come to find out the 60 day late is still there and i was misled and i feel they should be deleted even if as a goodwill gesture. 
As you can see ive done what i can to keep this loan in good standing and I would hope that what i was told can be honored and the 60 day late pay can be removed from all 3 CRA. 


The other ISSUE is a bit tricky and complicated but at the heart of it beginning XXXX i started getting into the IBR program i had issues getting all the paperwork accepted and each time it would take and extra 30 to 60 days, Part of IBR is to get 3 years no interest tacked on. 
Ive had issues re certifying because of the time it takes and see it isnt as simple as 3 consecutive years with no interest. However since XXXX i have had 36 qualifying payments and i think they should be honored. The average monthly interest is {$50.00}. 
even if you calculate that from month one of XXXX taking over this loan XX/XX/XXXX that is roughly {$3600.00}. The balance started at {$14000.00} and is now today {$17000.00} a difference of {$3700.00} so ive been charged OVER the full amount of interest. with 3 years 36 months of qualifying ibr payments i feel the promised 3 years no interest should be honored which would be equal to {$1800.00}.
Product: Payday loan, title loan, or personal loan

Received several calls from XXXX XXXX saying they were representing XXXX lender. I had a payday loan several years ago and paid it off. They said I still owe them money and I breached the contract. They also called and left a message at my mother 's house who I have not lived with in over 40 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initially reached out to the bureus to do futher investigation for my accounts that has late remarks and they did not respond nor provide any proof that I pair late. 

I asked them to send me proof nut they just ignored me.
Product: Money transfer, virtual currency, or money service

I, XXXX XXXX, man, am over the age of majority ( XXXX XXXX ), am a creation of God-Almighty and a follower of Gods laws first and foremost, and the laws of man when they are not in conflict ( XXXX XXXX XXXX XXXX  ). Pursuant to XXXX XXXX and XXXX XXXX , let my yea be yea, and my nay be nay, as supported by Federal Public Law 97-280, 96 Stat 1211- Whereas the Bible, the Word of God, has made a unique contribution in shaping the United States as a distinctive and blessed nation of people, and Whereas Biblical teachings inspired concepts of civil government that are contained in our Declaration of Independence and the Constitution of the United States and Whereasthe Bible is the rock on which our Republic rests. I am also asserting my Natural and Unalienable Rights given to me by God the moment I was conceived. 

I have personal knowledge of the matters stated herein and hereby asseverate, understanding both the spiritual and legal liabilities of, Thou shalt not bear false witness against thy neighbor. 

RE : Blockchain.com 1. I was referred to them by a friend who mentioned they give 10 % on USDT coin. 

2. On XX/XX/XXXX I deposited {$5000.00} cash from my XXXX account to the new Blockchain.com account I opened. 

3. Right after the monies arrived into the blockchain.com account I read in their small print that they do not honor such returns for people in the USA. 

4. I went ahead and placed a withdraw on my money on XX/XX/XXXX. It was refunded back into the blockchain.com account ( not back to my bank as I selected ). 

5. I went ahead and placed a withdraw on my money on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX All where refunded back into the blockchain.com account ( not back to my bank as I selected ). 

6. I had emailed customer service numerous times, and they always urged me to try the withdraw again- which I did all those times, and still they are holding my funds. 

7. One response said I need to pay a fee of {$87.00} to withdraw, when actually it says FREE on their blockchain.com website, for a 1-3 business day withdraw ( vs the instant option which has the fee ). I replied to them that, and got no response to remedy the situation.

8. I had submitted a complaint on XXXX  on XXXX still waiting on resolution. 

9. I had called numerous times the number that blockchain.com has on their site ( XXXX ) - it goes to voicemail and urges to leave a message. I left a message on XXXX 

10. I advised customer service that I will be contacting the FBI and FTC. They didnt seem alarmed by that. 

11. I did submit a complaint to the FTC on XX/XX/XXXX
Product: Credit card

XX/XX/25 paid {$95.00} activation fee to start using the credit card. 
XX/XX/25 called Fit MasterCard and was advised to call them back in 24 hours to activate card. 
XXXX XXXX XXXX XXXX called Fit Mastercard to activate card as advised to do. I was read the card opening disclosures and advised I could use my credit card within the hour. 
XX/XX/25 tried to use my credit card at XXXX XXXX XXXX and card was declined twice. 
XX/XX/25 called Fit MasterCard about reasons why my card was declined and they stated I needed to try another merchant and if it continues to happen, theres something wrong with my account. 
XX/XX/25 tried using my FiT Mastercard, as advised to do on previous call to credit card company, at XXXX XXXX XXXX and declined again. 
XX/XX/25 called Fit Mastercard about card declining again. This time referred to consumer resolution XXXX only to be told to try my card again. 
XXXX XXXX XXXX XXXX  called to speak with manager and was immediately asked why. Never transferred to a manager or supervisor to resolve this issue. I was advised my card is now activated and I could use within 1 hour. 
XX/XX/25 XXXX XXXX tried to used my card again and was declined. 
XX/XX/25 called Fit Mastercard again and was advised it was 2 hours to wait.
Product: Mortgage

XX/XX/XXXX our mortgage was transferred from XXXX XXXX to Carrington Mortgage. We started to get all the paperwork regarding the transfer and on XXXX XXXX we got some more information. On the XXXX XXXX at XXXX I called XXXX. The call lasted 6 minutes and 37 seconds. I will be attaching a screenshot of that phone call log that I took on my phone. What I was calling to ask about was how this works as I have never had a mortgage change financial institutions before and there was some verbiage in there about 60 days and I needed to know what that meant. When I asked about this letter and what the numbers meant I was told i had 60 days to make a payment. Which would make it XXXX XXXX my first payment was due. The lady on the phone confirmed and repeated that. So I took that as i did not have to make my first payment until XXXX XXXX. Fast forward to Some time in XXXX and I get a letter that we are past due on our first payment. I then called in to ask about this letter and I explain to this person that I called back in XXXX and was told my first payment was not due until XXXX XXXX. They said that was incorrect and that it is due now. The person on the phone said they would start an investigation into this. I did not hear back for a month. I called back and they said they never found that call on my account. I had to gather all my evidence and send it to XXXX XXXX fax ) which was their research team. I got on XXXX XXXX from their research team that they received my request. It also mentioned that we owed XXXX Soon after I got a letter from their research team saying they can not find my call. We then agreed that i would make payments to catch up and it would go into an unapplied balance and when that unapplied balance reached the amount due it would be used to pay that. So now fast forward to XXXX and me and my wife are trying to buy a car for her that gets better mileage as she will be driving to school a couple times a week. We get our credit report and our score is very low. Turns outs Carrington Mortgage has reported us 3-4 times for being late on payment even though they agreed that would n't be the case as long as i made these payments. This in turn has killed our credit and is stopping the ability for us to get a good loan for a car for my wife to go to school in. I had to borrow money to pay off the rest of the loan now that I know that they will keep reporting me. Carrington Mortgage has lied to me to many times and they are not trustworthy. I do n't believe they have my best interest and hope to get out as soon as I can.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The furnisher is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The furnisher of the information, the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and the furnisher whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The funisher of the information never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Vehicle loan or lease

Wells Fargo charges me a higher interest rate than agreed too. I have had an auto loan with them since 2020. They also just settled on a lawsuits for the interest rates and other illegal fees they have charged their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found that I was being sent to collections in XX/XX/XXXX for an account I have no idea about originating around XX/XX/XXXX from XXXX XXXX  XXXX XXXX XXXX  ). I attempted to contact both XXXX and the collection agency, Wakefield and Associates ( Wakefield ). With PXXXX, the phone numbers and websites were down for 'technical reasons '. I sent an unregistered letter to Wakefield, with no response. I contacted the XXXX XXXX XXXX  and they assigned me a case number XXXX. I have been in contact with the case agent, but he mistook a copy of a registered return letter as being in contact with Wakefield. I have never heard from them, even with second registered letter, using their own template. I have lived in XXXX XXXX since XX/XX/XXXX and have never received services from any emergency services company out of XXXX XXXX since then. They have all my information to file a claim, why not contact me? I am a retired United States XXXX that has OUTSTANDING medical insurance. They have no record of any claims. 

XXXX  advised me to file a complaint with the California XXXX XXXX XXXX, and they reported that the company was 'not registered as a certified public accountant, so investigation was closed and they have no jurisdiction.. 

I have a step by step record of what I have done, and what I have received. I do not believe this charge for services is valid and would like it to be stricken, with prejudice, from my record.
Product: Credit card

Without fail, I have maintained a record of timely payments on this account, diligently avoiding any instances of overdue payments. Yet, I find myself XXXX by the presence of late payment remarks on my accounts. According to XXXX XXXX XXXX - Billing Error, these discrepancies should be addressed.
Product: Credit reporting or other personal consumer reports

I am current. Account is open with XXXX payment remaining. I get a notification from Transunion that XXXX reported my account as Charged Off/Bad debt. I contact XXXX via Email, and received a response on XX/XX/XXXX that they are not going to correct it and they are closing my complaint. I replied and informed them this is wrong and I am filing a complaint with CFPB. No response from company. 

On XX/XX/XXXX, I received an email from XXXX that my account could be charged off if they dont hear from me. I immediately responded and made a Promise to Pay for XX/XX/XXXX, my paydate. I received a response notifying me they will update the account and thanking me for the reply. 

I kept my word and paid to get current on XX/XX/XXXX. On XX/XX/XXXX XXXX emailed me thanking me for payment and informing me I can manage my account online. 

Then on XX/XX/XXXX, I get another email stating my payment due XX/XX/XXXX is late and they are willing to work with me, they get it life happens it says. But I had already paid via debit card. 

On XX/XX/XXXX I get a email payment reminder that my payment is coming up. 

Clearly my account was not charged off, and not closed.
Product: Mortgage

Franklin American Mortgage sold my loan to Citizens. I made the payment on XX/XX/19. They told me that they would forward my payment to Citizens. They saw I had made payment. I made my payment to Franklin American. I got a bill from Citizens saying it was not paid. I called Franklin American and they said they were only forwarding payments for 60 days. I was at 70 days. So they said they would forward the payment in 20 days. Or they would mail me a check Franklin said they showed the payment. I spoke to Citizens who said they wouldn't charge any fees. 20 days passed nothing. I called Franklin American who now says that they show I never made the payment. I had my bill pay provider call them, they won't talk to them. Then I sent ( email ) them confirmation of the electronic payment from the bill pay provider. XXXX, a supervisor from Franklin American said that he would look into it. Of course nothing. They no longer seem willing to help me and this will negatively impact my credit and cause difficulties with my home loan. Citizens has been trying but Franklin American doesn't care what they do, they lie and they could care less.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting and XXXX, the following account numbers listed violated my privacy. 
Account Public record ( Bankruptcy ) Reference number : XXXX, Collection accounts : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Inquiries : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XX/XX/2017, this debt for {$390.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}.
Product: Debt collection

ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

I was the victim of fraud which involves the physical stealing of a victims phone and passcode. With this information, a criminal can access all of the victims financial accounts from their phone, while locking them out of the phone completely. I was a victim of this fraud and it resulted in {$2700.00} of fraudulent transactions occurring across multiple mediums including XXXX, XXXX, ATM withdrawals, and XXXX XXXX transactions on my JPMorgan Chase Bank checking account ( and other accounts, but this complaint is related to Chase only ). These were all completed with my stolen phone and stolen passcode information. Majority of the transactions occurred on XX/XX/2023, and I alerted Chase within hours, which fulfilled my obligations under the EFTA which lawfully limits my liability to {$50.00}. Since XXXX ( it is now XXXX ), I have raised multiple disputes and appeals with Chase attempting to resolve this issue with no progress. They have continually rejected my claims, and are not taking into account the significant evidence I have provided them to demonstrate that the transactions were fraudulent. I have spent hours on the phone over many phone calls to try and resolve this issue. The most recent attempt was on XX/XX/2023 and Chase rejected the claims again. They have used the same grounds for each rejection : that "... you must have authorized these transactions because they were completed with your phone ... '' even though I have explained multiple times over the phone that my phone and passcode were stolen from me. I also wrote Chase a 78-page letter completely explaining the situation and how the theft arose, including details of other financial institutions that were affected ( who have refunded me the disputes ), but they still rejected my claims after reviewing this letter. I have attached the letter but truncated some of the pages to meet the XXXXpage CFPB letter XXXX I deleted the phone records and other less necessary pages to meet XXXX pages ). I suggest you review this letter as it gives a complete picture of what has occurred with all of the relevant information required to make a decision. The first XXXX pages discuss this, with the remainder of the pages are comprised of account statements, police reports, phone records, and evidence of fraud.