23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

So back in XXXX I opeqned an account with BOFA to receive my EDD upon certifying I checked my online account on EDD and it showed an {$11000.00} deposit that was supposed to be on my card when I got it in the mail. Well if you look at my transcript of transactions you'll see that there was XXXX XXXX months that I didn't get any payment from them so I reapplied and that's when I started to get my benefits every two weeks also if you look at these letters I got from BofA stating that a stop payment was put on the account between XX/XX/XXXX through XX/XX/XXXX first of all my account didn't get opened till XXXX so what are they talking about they must be talking about the fraud that has been going on with my account ever since XXXX was stopped in XXXX cuz thats when I opened my account officially and further more the loss of credits that I have suffered along with not getting anyone in either the BofA or EDD to understand or take responsibility for these consequential damages is proof that there was and has been fraudulent activities for a long period of time on my account which has gone overlooked and not fixed. Also bank of america enterprise Resolution specialist said she would get back to me with an answer in XXXX about this but it's going on day XXXX
Product: Debt collection

The company halstead financial is representing l nb on a XXXX XXXX car. The balance on the card was XXXX, they offered me a settlement of XXXX on XX/XX/XXXX th a payment of that amount was made via check. I have called and asked for a receipt multiple times they tell me I had to wai 3-5 business days so I waited and now we are beyond that time frame and they are still denying me a receipt
Product: Debt collection

LGBS incoming call XX/XX/year> told collector to cease and desist all contact with me. 
LGBS send letter dated XX/XX/year> AFTER C/D LGBS incoming call XX/XX/year> they hung up when I answered. 
LGBS incoming call XX/XX/year> missed call XXXX XXXX  LGBS incoming call XX/XX/year> XXXX XXXX  told collector they had C/D on record, they hung up.
Product: Money transfer, virtual currency, or money service

I have accounts on both Coinbase and Coinbase Pro which I opened in XX/XX/XXXX. In total I bought roughly XXXX xrp using both Coinbase and Coinbase pro. Back on XX/XX/XXXX I transferred all of my xrp off of my Coinbase account onto my private wallet and that same day went to transfer all of the remaining xrp off of my Coinbase Pro account. The xrp immediately transferred to my private wallet from my Coinbase account however I was sent an email that the transfer from Coinbase Pro to my wallet could take 72 hrs for verification. I thought ok no big deal. On XX/XX/XXXX I went to check my private wallet and was surprised/nervous to find my private wallet had not received my latest transfer request from Coinbase Pro. After several attempts to login to my Pro account and getting incorrect password I finally selected forgot password to have them email me a new one. I never got an email so I tried a few more times. Still nothing. Thats when I reached out to Coinbase support for help. They told me they would review my case and get back to me in 4-5 business days. When they got back to me I discovered someone had hacked my account and changed my email, password and phone number linked to my account. Support asked me to verify myself by logging into my account even after I told them that was my problem in the first place, I cant! Then Coinbase Support quit responding to my emails. I have no one to talk to and they refuse to respond to my emails ( which have totaled over 18 emails now ). My two main concerns are 1 ) I would like my remaining xrp 2 ) I need my account unlocked and restored so that I dont lose my airdrop of Spark tokens from XXXX XXXX which would be distributed to this account over the next 2 years. Please help me with this, I have lost all faith in Coinbase and their lack of support
Product: Credit reporting or other personal consumer reports

My previously submitted complaint file numbers with Experian are : XXXX and the one before that is : XXXX from my last complaints. Experian seems to be ignoring their obligation to adhere to LAW by not reporting correctly and responsibly. This is the last time I will submit a complaint here. If this is not fixed asap, I will sue them in XXXX XXXX XXXX. They have not repaired previous complaints nor tried to report accurately and therefore, seriously do not understand their grave responsibility to report permitted information with MY WRITTEN CONSENT per 15 USC 1681 section 604!

I want the accounts updated/fixed immediately to reflect a proper credit score which is being affected by this ridiculous Identity Theft, securities fraud, or otherwise! I want a full audit by the CFPB as well! There has never been ANY CONSENT NOR PERMISSION to post the year of birth either! Experian also does not reflect the accounts that are the oldest. 

XXXX XXXX XXXX  " XXXX  '' is paid in full and not late at all!!! It must reflect that asap. I also want the credit limit to reflect accurately! Account number is XXXXXXXX XXXX XXXX 

XXXX is also paid in full which I will add all the proof onto this complaint. The Account number is : XXXX. This must be an account that reflects " paid in full '' and " never late. '' I expect to see this asap as well! 

And finally, a bankruptcy was complained about in previous complaints and never removed. Remove it now!!! Experian does NOT have MY CONSENT to put this onto their reporting for my credit report. 

Per the Fair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Experian is a consumer reporting agency 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 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. '' Finally I am stating it here to have proof that I AM NOW opting out of your reporting services per 12 CFR 1016.7 Experian do not report any other information about me without my consent of which I expect to receive a LETTER IN THE MAIL with future requests of what I allow to report!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment date as XXXX. 
Experian has XXXX 's last payment status date of XX/XX/XXXX. 

XXXX  has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment as XXXX Experian has XXXX 's last payment as XX/XX/XXXX. 

XXXX  has XXXX  's last payment as XXXX. 
XXXX  has XXXX 's last payment as XXXX. 
Experian has XXXX  's last payment as XX/XX/XXXX. 
XXXX  has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment as XXXX. 
Experian has XXXX 's last payment as XX/XX/XXXX. 

XXXX has XXXX XXXX last payment as XXXX XXXX  has XXXX XXXX last payment as XXXX. 
Experian has XXXX XXXX last payment as XX/XX/XXXX. 


THESE ACCOUNTS APPEAR TO BE FURNISHED BY THE SAME CREDITOR SO WHY IS IT THAT THE DATA THATS PROVIDED IS DIFFERENT ON EACH BUREAU? IT IS THEIR DUTY TO ENSURE THAT ALL INFORMATION PROVIDED IS CONSISTENT AND MOST IMPORTANTLY ACCURATE. HOWEVER THE CREDIT BUREAUS HAVE FAILED TO DO SO. I HAVE CONTACTED EACH BUREAU SEVERAL TIMES ABOUT ERRONEOUS INFORMATION. XXXX  HAS CHOSEN TO BLATANTLY DENY MY REQUEST TO FURTHER INVESTIGATE THE MATTERS.BECAUSE OF THIS APPARENT NEGLECT IN ENSURING THAT EVERYTHING ON MY REPORT IS ACCURATE, CONSISTENT, AND UP TO DATE, I AM HERE AGAIN REQUESTING THAT THESE ERRONEOUS ITEMS BE DELETED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

It's my second time writing this complaint. The accounts that were fake were explicitly mentioned in the claim I made to your organization last month XX/XX/scrub>XXXX XXXX XXXX As a result, there are still accounts on my credit report that shouldn't be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion customer service would not help and take care of the negative inquiries reporting to your credit report want TransUnion to delete those credit inquiries off my credit report except my XXXX XXXX opened XX/XX/XXXX and my XXXX XXXX opened XXXX. The other 37 inquires must be removed/deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Comenity XXXX XXXX XXXX decided to close my account for absolutely no reason and I believe it was a retaliation for complaining about the horrible customer service I received when I called on XX/XX/XXXX. This company is engaging not only in highly unethical business practices but allowing their reps to penalize customers who are unsatisfied with their services. 

Everything started when I used my card overseas for one single transition in XXXX, 2022. I immediately received a text stating that card is blocked till further verification. When I returned home I called the company on XX/XX/XXXX and spoke to a very rude female rep.I did not like her tone and how disrespectful and biased she was on the call so I told her to transfer me to someone else immediately as I won't tolerate that disrespect. The second rep who was a male was helpful, walked me through the identity verification check and confirmed at the end of the call that my card and account should be good to use immediately. 

Fast forward to XX/XX/XXXX I find out that my card was actually closed off instead of being unblocked and that the person who did it behind the scene was a female rep. Her name was XXXX I believe. She listed the reason as " Didn't pass the identity check '' even though that's a lie. I'm certain the same unprofessional rep I spoke to on XX/XX/XXXX is the same person behind closing my account and lying about the reason. I escalated to a supervisor her name is XXXX ( Extension XXXX ) and confirmed that my account was closed by mistake. She said that she will reinstate my card immediately but I'm not sure they will be reviewing the call recording with that rep or do any internal investigation about the retaliation part.
Product: Mortgage

I have been trying to get a loan modification, and have been denied, my last day to appeal the latest denied loan modification was XX/XX/XXXX. My home has a sale date of XX/XX/XXXX. 
I just got the CFPB 45 Day Solicitation Letters uploaded to my account on XX/XX/XXXX!? I called the mortgage company that was formerly Nationstar, now MR. Cooper, and asked them why am I receiving them 8 days before my home is sold? The loss mitigation department said that is fine to do..I told them it looks like I should have gotten that 45 days ago. If I had received the letter from them I may have been able to do a deed in lieu or other arrangement that they talk about on the letter, in order to save my credit moving forward. Now it feels too late to do anything, and they are forcing me into having a foreclosure or bankruptcy on my credit..which is horrible since I run a small business that I have to personally guarantee finically. This will make everything more expensive for me, for a long time. I want to stop the sale and avoid foreclosure ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that was addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the item. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 

XXXX XXXXXXXX
Product: Credit card or prepaid card

This issue occurred at XXXX XXXX in XXXX XXXX, Florida. On XX/XX/2020 I purchased a new mattress in-store for {$5100.00}. I inquired about available financing offers and the sales associate informed me there was currently a limited time offer for 60 months with no interest. I agreed to these terms and the sales associate proceeded with the application process on the computer in-store. she encountered difficulty with the application process and required assistance from her manager who completed the application over the phone with synchrony bank. I was again assured by the manager that the promotional offer was for 60 months and no interest. My application was approved and the purchase was completed. I was never asked to sign any forms or financial disclosure agreements. I received copies of the purchase receipt and invoice just before exiting the store. 

My mattress was delivered without any issue. Upon receiving my first invoice from synchrony bank I discovered that the promotion I was signed up for was for 60 months variable interest with an initial interest rate of 9.99 % for the 1st 5 years and 29.99 % after if the balance was not paid off. I contacted XXXX XXXX again on XX/XX/2020 and was informed that the only interest free/deferred interest financing they currently offer is for 12 months. I was told that if I wanted to cancel the order and return the XXXX I would need to pay the {$130.00} re-stocking fee. The manager informed me that this situation has happened quite a few times where customers are told the promotion is 60 months no interest, and they find out later that its actually for a variable interest rate. The manager offered to submit a request to transfer my promotion from the current 60 months over to the 12 months no interest. I agreed that this would be my preferred recourse considering the situation as I did not wish to pay interest or a re-stocking fee. I was told that the change would take at least 1 billing cycle and that any incurred interest would be applied back towards the original principal.
Product: Mortgage

XXXX made an incorrect insurance payment to the wrong account back in XXXX and also paid my correct insurance payment. 
my insurance company could not refund the money because they did not service that account. 
I have called several times to rectify the situation I would ask for a manager they would say theyre not available and that I would get a call back ( I never received call backs ) I was told that they corrected the account and I would get a corporate advance in the next 7 to 10 days and then when I would call to check on it, it was never done.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and fraud due to the unauthorized use and dissemination of my identifying private information without permissible purpose. Please see attached documents which include : Identity theft report Affidavit of fact Letter of dispute and demand Lists of accounts to be blocked Two forms of identification Bank statement with address
Product: Debt collection

The attorney of record for the plaintiff XXXX XXXX XXXX XXXX of Ragan & Ragan falsely mislead and misrepresented himself and his client XXXX XXXX XXXX as having a lawful contract/agreement with me pursuant to 15 USC 1692e . In addition Attorney XXXX XXXX XXXX, XXXX of Ragan & Ragan furnished to the clerk court deceptive forms pursuant to 15 USC 1692j and place a false claim in order to have the court grant a default judgment against me. 

Attorney XXXX XXXX XXXX, XXXX either knew 1st hand the contract he presented to the court clearly showed the contract had an Arbitration clause and was covered under The Federal Arbitration Act or he being a licensed bar card attorney should had known he was violating the law by misleading the court into believing it had jurisdiction when it lawfully did not. In dishonor and with unclean hands attorney XXXX XXXX XXXX XXXX or his law firm purposely withheld sharing the case had an Arbitration clause, he did not share that information with the clerk court and placed a claim he knew the court did not have jurisdiction over.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts made by your organization to immediately correct a late open account on my credit report. I believe there may be a misunderstanding or an error in this process, and I am seeking your assistance in resolving this matter promptly. I have been meticulously managing my financial obligations and monitoring my credit report to ensure its accuracy. However, over the past several months, I have noticed several erroneous attempts by your organization to correct a late open account on my credit report without my consent. 

I would like to clarify that the late open account in question is indeed accurate, as it represents a past financial issue. While I understand the importance of rectifying any inaccuracies on my credit report, this late open account is a true reflection of my financial history and should not be corrected without proper evaluation. I firmly believe in the importance of accurate credit reporting and am committed to maintaining a truthful credit history. However, I must insist that any changes made to my credit report should be based on accurate and verifiable information. With this, I am asking for your assistance to correct the account : XXXX XXXX AUTO XXXX Balance : {$7500.00}.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CT XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX, GA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$14000.00} Charged off XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Charged off XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Collection XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Charged off XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX off XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Bankruptcy XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00} Late/Open Inquiry in Dispute : XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have submitted 3 online requests to XXXX for my mortgage payoff statement. I submitted requests XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX sent an email the same days confirming the requests were received. As of today XX/XX/XXXX they have not provided me with the pay off statement so I can not refinance my mortgage. Instead they have been sending me refinance emails to refinance thru them. I called their customer service 3 times today. ( XXXX ) XXXX the customer service rep transferred me to a company not associated with them. The company could not help me and said XXXX has been doing this alot. XXXX I call customer service again and was hung up on. XXXX I called again and the customer service rep. XXXX said they would email it to me today. It is now after XXXX and they have not sent the pay off letter. 
I am stuck because i need the letter so I can have my home refinanced thru another lender. 
I need your help. 
XXXX XXXX
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX amount {$710.00} XXXX NEW JERSEY XXXX XXXX amount {$180.00} XXXX XXXX XXXX amount {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems is reporting delinquent information attached to my SSN and when I filed bankruptcy, all of the information was to be removed and zeroed out. I do not owe any banks or financial institutions. I have tried numerous times to work with ChexSystems, but the inaccurate information continues to be on my file.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was 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 information relating to any transaction by the consumer. XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$680.00}XX/XX/XXXXXXXX Balance : {$9900.00} XXXXXX/XX/XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XX/XX/XXXXXXXX Balance : {$4500.00} XXXX XXXX Balance : {$790.00} XX/XX/XXXXXXXX Balance : {$9900.00} XX/XX/XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXXXXXX has violated my rights on my equifax report In accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX has violated my rights on my equifax report In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXXXXXX has violated my rights on my XXXX report 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish a account with my written instructions. 

15 USC 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.