23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from the XXXX XXXX XXXX about a claim debt that was paid by State Farm insurance who filed a claim on my behalf for an accident that happen on XX/XX/17. Nevertheless, State Farm is disputing they are responsible for the claim. However, payment was issued for property damage. I submitted a complaint dealing this previously. However, I have seen that this issue has been escalated. Now, XXXX sent me the same balance that State Farm is responsible for my claim. I am not responsible for this balance because payment was made to XXXX  from subrogation of State Farm. The damages handle between the two parties was based of the information submitted by me to XXXX
Product: Money transfer, virtual currency, or money service

My cryptocurrency account was hacked and cryptocurrency was stolen from my account at Coinbase. This occurred on XXXX. I was originally locked out of my account in XXXX of XXXX after they supposedly suspected fraud. I received a suspicious email and at some point ( I believe in XXXX ) I called because I could not gain access to my account and was assured everything was still fine with the account. I was very ill in XXXX and was hospitalized in later XXXX and then again in the late fall of XXXX. My health issue took over and I did not pursue the problem at Coinbase, thinking that my account was intact. On XX/XX/XXXX I had a friend help me with the problem of accessing my account. At that point, I was able to get a printed transaction history showing withdrawals of essentially all of the crypto which was worth over {$20000.00}. My friend and I spent over 3 hours on the phone while Coinbase tried to look at this. We were passed off to different people several times and I received no satisfaction that they would attempt to help me or reimburse me for any portion of the loss. They made security very difficult for me to prove who I was, but apparently allowed someone to access my account with little protection for me.
Product: Debt collection

Portfolio Recovery Associates of XXXX, VA, has made numerous phone calls to my home attempting to collect a debt from a third party after confirmed receipt of a certified letter from me telling them the party they are attempting to contact does not live at my address, does not have my phone number, and not to contact me any more regarding this matter.
Product: Mortgage

I started a modification with XXXX XXXX XXXX Bank in XX/XX/XXXX. The process was almost to completion and then XXXX XXXX XXXX sold the loan to a XXXX called BSI Financial out of Maryland. I had to start over again with the modification process with BSI and that started in XX/XX/XXXX. My first conversation with BSI was with one of there processors by the name of XXXX XXXX XXXX, he told me the I would probably not qualify for a modification because I did not met the standards for that type of loan. I asked him how it was that he could determine that without taking an application. I am not sure but I think that is against the Fair Lending Laws to decline a loan before you take an application. That was my first " Red Flag '', that this was not going to be easy. I have had a very difficult time with BSI as they are incredibly unresponsive. I have left multiple messages, sent certificated letters and e-mail asking questions about the process and asking if they needed anymore documentation. I received no response from them. I have kept detailed records to all conversation, e-mail, letters pertaining to this loan process. Then in XX/XX/XXXX I received a letter saying the loan had been declined due to missing information. The letter did not state what type of missing information. I could not get them to tell me what information was missing. According to my records I had sent them everything they had requested. Also, during this process I was assigned another processor by the name of XXXX XXXX. I thought she was going to better, but turned out I could not get her to call me back either. I have contacted the HAMP Program and they are assisting me with this issue. However, I am recently retired from the banking industry ( mortgage originator and processing ) and see this behavior from a lender as appalling. I do n't know how someone without any banking background would protect themselves from this type of situation? I did some research on this company, BSI and there history with other consumers is not very good. In fact I am not sure how it is that they are allowed to get away with some of the things that have been posted about them ( Consumer Affairs ). Also it appears that there has been a class action law suite started against them. I completely understand that most postings of this nature could possibly be from customers were just mad because things did not go their way, but most of the comments are very similar to mine. Which makes me think that they are more than likely true. I am still in the review process with HAMP. Yesterday XX/XX/XXXX, I found out that BSI has an auction date for the sell of my home on XX/XX/XXXX. It is clear to me that BSI has no regard for people, the HAMP Program or doing the right thing for their customers. They are for some reason only in the business of declining loans and foreclosures. My hope is that someone can help me ... Thank You..
Product: Credit reporting or other personal consumer reports

Ive disputed things with equifax and XXXX  and nothing ever happened or changed
Product: Debt collection

on XX/XX/2022 I sent a letter to I. C. Systems requesting debt validation for a collection account listed on my XXXX credit report by the name of XXXX XXXX XXXX for in charge in the amount of {$470.00}. i do not owe this debt and i would like it to be removed, i never received a response to my debt validation letter so i would like it removed.
Product: Debt collection

In XXXX, I had a judgement filled against me by XXXX XXXX for XXXX XXXX XXXX credit card debt. From going to the courts and requesting a copy of the paper work, I seen that the first garnishment was in XXXX to XXXX. I worked at XXXX for 1 day in the early XX/XX/XXXX, but quit because of my other job. The first garnished that I was aware of before seeing the paper work, was my paycheck in XXXX. My Employer collected the money, and requested an order to pay so the money could be sent out XXXX never replied, so my employer kept the money in their possession still waiting for their reply. I also seen from the paperwork that I picked up from the court, they cancelled that garnishment stating that I no longer work there. Till this day, I am still with that same company. Then in XXXX, they garnished our bank account for even more than the first time, even though the money was put to the side and they never responded to my employer 's request. This time I was informed by a friend that I could file for an exemption. At the exemption hearing, the judge did not want hear anything that I had to say about the previous garnishment. I just feel like there should be something that should be done, especially when not getting the money was their fault. I also feel like this was a game for them, because when I called to inquire about the garnishment, the young lady said XXXX XXXX. When I mentioned that previous garnishment where my job sent them a letter requesting an order to pay, she first said that she didn't know anything about that, and maybe it was from a different case. But when I persisted, that's when she said that it was cancelled, but after I was done, and as I was getting off the phone she said and XXXX. I thought that was very weird, but I thought maybe it's because XXXX XXXX and XXXX were affiliated. After doing some research, I found out, that they were not. That comment still somehow bothers me, and because of that comment I put down on my exemption that it wasn.t my debt. Which made me look like a complete XXXX at the hearing. 

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

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX Acct NAme : XXXX XXXX XXXX XXXX  Acct # XXXX Acct Name : XXXXXXXX XXXX  Acct # XXXX XXXXXXXX Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX XXXX Acct # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX  XXXX  XXXX. I am a victim of ID THEFT XX/XX/XXXX XX/XX/XXXX I am victim mail fraud XX/XX/XXXX XX/XX/XXXX. I am XXXX  years young. I grew up with pay phones. But I still have rights and NEEDS to hook up with the world On Line. I have XXXX  XXXX  screen reader XXXX scanner XXXX  Accessibility Tools. I need ACCESS TO EQUIFAX. I HAVE EMAILED XXXX MARKED XXXX ACCESS TO NO AVAIL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, Fl XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX, XXXX, NJ XXXX only address that should show is : XXXX XXXX XXXX. 
XXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

Frequently, if not monthly, I have to call the Credit Bureaus, XXXX Equifax and XXXX to request they update my credit score and/or data. 

Although, I am paying my bills on time and maintaining my credit utilization, and am mindful of other positive impacts, unfortunately, for the last 4 months Equifax and XXXX have not updated my XXXX credit score. 

This is causing me emotional distress, and potentially a financial hardship, because I am trying to secure financing for a car and would have to pay a higher interest if my credit scores are not reflecting changes. I do not own a car and am having to walk or pay for XXXX. Since I am laid off and medically ill, it would help me to secure financing to buy a small affordable car.
Product: Credit reporting or other personal consumer reports

The accounts listed below are not credit transactions initiated by me. I will be filing federal complaints for unlawful practices, violating my consumer rights. I have not authorized any agency to report any derogatory, erroneous information about me, nor authorize consent to my credit file. Their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting information. Your agencys failure to comply with these legal requirements has caused severe damages to my credit standing. I request, the CFPB investigate thoroughly and ensure that the derogatory information is deleted from my credit report. Your agencys failure to adhere to legal standards has significantly damaged my credit standing, the Illegal accounts are : XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, request a disbursement from my XXXX XXXX  account XXXX, registered in XXXX XXXX XXXX XXXX, for a value of {$35000.00} USD, with transaction reference XXXX, destined for my savings account registered in XXXX, this transfer was received by the international trade XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/2021, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX informed me via email that the money had been returned, said return should be reflected in 3 business days again in my XXXX XXXX XXXX account., which to date is not reflected. 

Since that date, through phone calls and emails, I have requested information on the process of returning the currencies to my trading account. 

On XX/XX/2021, through a file, they sent me a proof document, where XXXX XXXX authorizes an intermediary bank to debit foreign currency for a value of {$35000.00} USD. 

The document that XXXX XXXX sending to the email, it only contains the transaction order, but not the location of the intermediary bank that would execute said operation, therefore, not knowing the whereabouts of the money, request the XXXX XXXX XXXX of XXXX XXXX which will track the location of the money. 

Through electronic means they sent me another document that contained the SWIFT address of the intermediary bank to which XXXX XXXX had authorized to carry out said operation, XXXX, CITIBANK N.AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The CITIBANK bank is located in XXXX XXXX XXXX XXXX they informed me by phone and email that since they do not have any type of financial service with them, I can not make any type of request. 

Currently the money is held in XXXX, CITIBANK N.A. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The unjustified withholding of money has caused irreparable damage to my economy, starting from the loss of profitability that could have been generated during these months, the loss of my business and the bankruptcy of my company, the credit data report for the arrears and the debt that has become massive, because this disbursement was an integral part of my economy, being withheld for so long, I was financially suffocated and could not keep my economy standing, currently I still have payment commitments with the which I must fulfill, and this money is the only thing I have left.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have completely paid off my balance and it still shows a full balance on my credit report reported this to Trans Union and asked that this be corrected I have also called XXXX XXXX XXXX to wish they told me they fix this and have not
Product: Student loan

Department of Education, XXXX  XXXX XXXX and Mohela My concern is related to delay in action, lack of follow up denial of student loan forgiveness. I initially applied for loan forgiveness in XX/XX/XXXX. At that time I was informed that there was a delay in getting forms processed and it would be a few months before I had any information. I was notified that despite having over 120 payments one of my employers needed to be verified by the department of education. Without any contact I was denied forgiveness and received a letter stating that I need employer verification. I resent the application with a letter from the non-profit providing additional documentation and contact the Ombudsman, whom reported I needed to wait for the department of education to review my employer. The application was denied due to needing employer verification. I resent the application with additional supporting documentation of Social Security transcripts and not have been told that the application for forgiveness was denied due to needing employer verification. For the last 3 years I have been given the same response regarding the employer. I worked at XXXX XXXX XXXX from XXXX to XXXX, they did go through a name change to XXXX XXXX XXXX and in the years since my employment have merged with another non-profit. I have provided letters from the leadership explaining the changes and confirming that I did indeed work at the XXXX I have provided social security records from the time of the employment and have submitted the correct application for forgiveness. At this time I have nothing else to provide. I am requesting that the documentation provided that shows my work at the XXXX  be reviewed and my forgiveness application be reviewed.
Product: Credit reporting or other personal consumer reports

I am suing Lexis Nexis for violations of the FCRA, because they are continuing to report this illegal bankruptcy on my Lexis Nexis consumer report
Product: Credit reporting

Equifax has removed an open account from my credit report. I did not request that you remove XXXX XXXX Acct # XXXX. This account was open XX/XX/2015. Please add the XXXX XXXX Account back to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX a fraudulent loan thru Check n Go company was obtained in my name and s.s #. This debt wasnt paid and placed for collection on my credit file with the credit bureaus. I called the company and was told there was NO current or delinquent acct in my name in their system. I was directed to call the XXXX XXXXXXXX XXXX hotline and was told the same thing. No loan existed in my name, yet Chek N Go placed a {$600.00} loan into collections with a company called XXXX XXXX XXXX. I am looking into legal action against this company. As of this, Ive had to dispute this debt with not much luck, AND have had to lock all my credit accounts. Im going to sue, but I want these companies fined and put in jail for filing a false debt, OR have internal bad actors, stealing funds and using information thats not theres.
Product: Checking or savings account

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : I am writing to request and investigation of the following accounts I have NEVERED opened or use the accounts listed below XXXX requesting the following information to be deleted from my early warning consumer report immediately I attached a copy of my report to this request The accounts consist of an Bank account opened at XXXX XXXX XXXX on XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX an Bank account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX an Bank account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX an Bank account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX an Bank account opened at XXXX XXXX XXXX XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX.
Product: Checking or savings account

I deposited a {$5000.00} check from my XXXX account to my chase account on XX/XX/year>. The funds were removed from my XXXX  account the same day, however, chase said they had not received the money and if the check was cleared, they would release the money in XXXX. Wednesday XX/XX/year> money was still on hold, I call Chase and They transferred me to the risk department, the risk department could not give any explanation why my money was still on hold. Initially they said they need to verify who made the check before making the payment ; I explained the check was coming from my joint account with my husband. They said they would call XXXX  to verify and made me wait on the line for XXXX min and dropped the call, I called back again XXXX and the same thing happened. I went straight to the branch where the account was opened, and I spoke with the branch manager XXXX XXXX which called the risk department with me and said unfortunately could not do anything and alleged that many clients are having the same issues and all we can do is to make an official complaint. 
I called XXXX  to try to put a stop hold into the check and they said unfortunately they could not do anything because the check was paid on XX/XX/year>. 
Now, I have to pay late fees and interest rates on my bills for XXXX days that chase is holding my money without any explanation. I worked for XXXX as personal banker for years and have never seen anything like that to happen before. It makes me wonder their policy and procedures and the legality of client 's fund release. I need an explanation for the procedure and my loss to be refunded.!
Product: Credit card or prepaid card

XXXX XXXX at XXXX XXXX I called in to the credit card department to get information about the terms of the account. Specifically, I wanted to get the terms and conditions of the account in regards to the interest rate and interest free period. The representative I spoke with told me that as long as I do n't make any additional purchases the current balance would not be subject to any interest for the duration the account is open. I asked the question 4-5 times and in several different ways and the representative continued to give me the same answer. The agent never sounded unsure, reiterated the same answer, and never asked for help from a supervisor if he did n't know the answer to my question. Because of this information I made financial decisions that I would not have made which are now creating damaging repercussions. XXXX XXXX I found out that my account was being subjected to interest when I was making the minimum payment. I called BBVA Compass and told them my situation. They told me that they would have to file an escalation report and go through the proper channels. They told me they would call me in a few days. XXXX XXXX I never heard back from Compass in regards to the escalation report. XXXX, the XXXX branch representative told me that I should 've been contacted by now. She decided to look into the matter further. When she called me back she told me she could n't do much because she is not a part of the credit card department. She told me the escalation report is in progress and that I have to keep in mind that that I signed an agreement and whatever I was told on the phone does n't matter. XXXX XXXX I did n't receive a call from Compass so I called them to inquire about the escalation report. They were giving me the run around and making re-explain the events. When I pressed them about my dissatisfaction they finally got the escalation report started although they had been telling me that they had already filed it. They said they would review the taped conversation and get back to me regarding my complaint. XXXX XXXX They finally finished their escalation report and called me back. I was told that I signed an agreement and that the conversation I had with the agent on XXXX XXXX does n't matter. I was told that I misunderstood the representative that day and the tapes reflect that. This is not true according to my notes and my recollection of the conversation. I asked if I could get a copy of the taped conversation and they said not without a lawyer or legal scenario. I have already accrued {$220.00} in interest which I could have avoided if given the proper information from the beginning. As a reasonable person, the conversation I had with the agent on XXXX XXXX amended the written agreement and I should not be subject to any interest on the account.