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

I was a user of coinbase pro. On XX/XX/XXXX I received an email saying coinbase pro was closing and my assets would be transferred to coinbase. The email said I would enjoy the " same low volume-based fees as Coinbase Pro. '' Today XX/XX/XXXX I made two transactions on coinbase. I converted {$16000.00} of XXXX into XXXX and {$13000.00} of XXXX  into XXXX. For these transactions, I was charged a 2.6 % fee instead of the usual 0.6 % fee, roughly an extra {$600.00} in fees. 

I called the company to complain. They said the cheaper fees are available not on their main website, but after clicking through a few pages to the " advanced retail trader '' section, which is not what you see when you go to coinbase and click on trade. The email did not state this anywhere. 

The company refused to refund the extra fees or cancel the transactions. I asked to speak with a XXXX or for a XXXX to call me back. They refused to escalate me on the phone and instead hung up on me.
Product: Mortgage

XX/XX/XXXX the loan was purchased by the M & T Bank from XXXX XXXXXXXX XXXX 
XX/XX/XXXX the existing modification/repayment plan term was met with additional repayment plan amount. 
XX/XX/XXXX due to scheduling the approved repayment plan could not be honored online or by telephone due to system constraints and limitations and the regular payment amount was paid twice ( XXXX regular payment beginning and end of XXXX ). 
XX/XX/XXXX M & T Bank ejected the mortgage loan out of the repayment plan and preferred me to the state mortgage relief program. The modification request to the bank and the COVID-19 pandemic/hardship relief request to the state program were subsequently denied : by the bank for insufficient income and the other for ( allegedly, and erroneously calculated ) exceeding the XXXX XXXX XXXX 150 % XXXX XXXX 
XX/XX/XXXX no further payments ( partial or otherwise ) would be accepted. by M & T Bank. 
XX/XX/XXXX a modification request was submitted to M & T Bank and subsequently denied for not insufficient income for a modified loan. 
XX/XX/XXXX a state COVID-19/pandemic mortgage relief program denied ( XXXX times ) for allegedly exceeding XXXX ( which eventually became true ). 
XX/XX/XXXX, due to changes in circumstances that included increased income and reduced debt/debt consolidation and negotiation, another request was made to M & T Bank for a modification/repayment plan that was subsequently denied. The property was placed in active foreclosure to be later paused because of the VA moratorium. 
XX/XX/XXXX a request was made for a reinstatement quote. 
XX/XX/XXXX a reinstatement quote was received with a response by date of XX/XX/XXXX and no provision for negotiation/down payment and installments to repay the balance. 
XX/XX/XXXX M & T Bank phoned to check status of receipt and forecast for response indicating there was no authorization for the attorneys or bank representatives to negotiate terms of repayment and that another modification/repayment plan request would need to be initiated. Despite the VA moratorium , M & T Bank representative indicated the property would be placed back in active foreclosure should the entire unpaid balance remain unpaid and nothing less than the full balance could be received.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has reported me as 30 days late on my credit. A payment plan was established days ago with the company in order to avoid this. I was told that as long as I pay by this Friday ( Tomorrow the XXXX ) that there will be no negative report on my credit. I attached the confirmation number for the payment for Friday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous inquiries related to fraud, which the accounts were closed and removed from my report have been reinserted. 

Recently I got hit by like 4 applications of credit for car and I am not able to get hold of someone on the phone they keep transferring from one place to another just spend 4 hours on the phone and still I was not able to talk to someone. 

XXXX Inquiries that reappear : XXXX Date Filed XXXX/XXXX/XXXX Type BankXXXX and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address PO BOX XXXX XXXX Date Filed XXXX/XXXX/XXXX XXXX XXXX and S XXXX XXXX Phone Number ( XXXX ) XXXX Address PO BOX XXXX XXXX fraudulent inquiries XXXX obtained a copy of your XXXX Credit ReportXXXX XXXX, XXXX XXXX XXXX XXXX XXXX obtained a copy of your XXXX Credit ReportXXXX XXXX, XXXX NEW! 
XXXX XXXX XXXX obtained a copy of your XXXX XXXX XXXX XXXX, XXXX EQUIFAX XXXX. XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address PO BOX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX XXXX De XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX. XXXX XXXX from XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

attached FTC REPORT documents   five fraudulent accounts not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has received an official identity theft affidavit and I am uploading this as well for XXXX XXXX to block XXXX XXXX illegal debt record on my credit consumer profiles. They are all breaking the law under section 605 B. Additionally I have given XXXX XXXX the police report numbers from the XXXX XXXX XXXX police department reportXXXX, report-XXXX, report-XXXX, report-XXXX. Which they have failed to retrieve under section FCRA 623 they are duly responsible to do a 100 % complete and accurate investigation which they failed to do. If I dont send the police reports doesnt give XXXX XXXX the legal right to report to a consumer reporting agencies anyways and then state it is verified and accurate which is false and a crime. The REAL FCRA LAW STATES : They have the sole grave responsibility to retrieve all documentation which is the XXXX XXXX police department reports in regards to the identity theft and fraud and do a thorough investigation with 100 % completeness and accuracy. This is the real law! I will win easily in third district court once litigation proceeds and a judge sees all this documentation. Experian has reviewed and received this current FTC identity theft report there response is attached. Which is valid and active. Additionally Detective XXXX XXXX from the XXXX XXXX police department instructed me to file with the FTC for all identity theft related reports back in XXXX for all identity theft and fraud that occurred. I am requesting the CFPB document this pattern of willful abuse by XXXX XXXX and Experian for abusing the law and the misinterpreting the FAIR CREDIT REPORTING ACT.
Product: Debt collection

Back in beginning of XXXX I was injured at home with a dislocated shoulder. I went to the XXXX XXXX I was out of work for almost 3 months. I owe XXXX XXXX but I'm tight on money because I have other bills that needs to be paid.
Product: Student loan

I have a student loan that is reporting incorrectly. I have notified the company but they have not corrected it. They are reporting that I was 90 days late when it fact my loan has been in deferment for the past 2years.
Product: Credit reporting

This report is not the first filed, but it is the one that included communication with both Equifax and the bankruptcy court itself. 
In XX/XX/XXXX, I filed a request w/bank. Court to request Ch XXXX court fees be waived IF my husband and I decided to file bankruptcy due to the fact I had been laid off and was worried we would be late on mortgage on my homestead home. I had to file pro se due to financial problems. Clerk required me to fill out info regarding my husband and I in general, but no creditor info. I had no idea the form implied I was filing Ch XXXX for my husband and I. 
The request was granted to waive court costs, but I found I would get Unemployment for the layoff, so we decided not to seek protection from the Court. In addition, XXXX had removed my name from my homestead home mortgage and refused to put it back on, so I did n't think I would be able to get protection anyway, even though the home was my HOMESTEAD HOME for 8 yrs total and I never had one late payment on it ( filing separate complaint ). 
Bankruptcy was ruled as " dismissed '' due to " other reasons '' as we did not respond to supplying ANY creditors or file any first notices. Neither my husband nor I even knew that we had bankruptcies listed on our reports until years later, at which point I began disputing them. 
The court listed XXXX bankruptcies on each of our reports only 15 days apart with XXXX separate case numbers both " dismissed ''. The credit reports listed XXXX and XXXX as the bankruptcy file numbers, a phone number that was no longer in service as the contact, and repeatedly said they verified the information with the Court through that number and that both were valid and refused to remove. 
I sent a letter to the bankruptcy court to dispute after calling several times and being told by the Trustee that it " was n't their problem ''. I received no response. I hired XXXX XXXX and currently XXXX to have these removed to no avail. 
These XXXX bankruptcies have been listed on both mine and my husband 's reports for over 7 years and have severely affected our credit and ability to get credit and they STILL refuse to remove either bankruptcy. We have n't been able to afford a lawyer and have n't been able to find any guidance on how to have them removed. In researching I found it is too late to appeal and I do n't know how to file a motion to vacate and I ca n't afford a lawyer. I feel the Court should have removed these the first time I disputed them XX/XX/XXXX when I first learned about them and disputed them, and that they should have ensured they were both removed from all three bureaus from both our reports. I NEED them removed now. We have paid for my mistake for long enough and the law states that if there is no evidence of unethical intent or attempt to defraud a creditor or delay a payment, the dismissal should be vacated or reversed. 
I have all supporting documentation regarding the facts above and will be happy to share it. Please email XXXXXXXXXXXX or call XXXX. 
Thank you in advance for your understanding and cooperation in this matter. 

Sincerely, XXXX and XXXX XXXX
Product: Credit card

In XXXX 2016, both Macy 's American Express and XXXX XXXX informed me that my cards had been compromised. XXXX XXXX took care of everything quickly. Macys is continuing to claim that I owe them money for something I never bought. Over the months, I have been told I had no balance, then that they owed me money, and now that I have to pay a fraudulent charge because " the vendor reimbursed me. '' I never used this card to buy anything outside of Macys. I had been dealing with Macys online, disputing their final bill to me of nearly {$200.00}. I was told it would be taken care of. Then I received a bill from Macys for this amount plus late charge fees and interest. I wrote a letter to Macys on XXXX/XXXX/16, disputing this charge. I sent documentation along with the letter, but did not send it certified mail. Now I am getting harassing phone calls from someone from Macys demanding that I pay this bill.
Product: Debt collection

I have several issues to report. I never went by the names of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX. I never lived in XXXX, KY at XXXX XXXX XXXX. The XXXX XXXX XXXX account that is being handled by XXXX XXXX XXXX for {$150.00} I have the equipment that needs to be turned in. Account # XXXX. Was opened XXXX XXXX. The account XXXX XXXX XXXX XXXX opened XXXX XXXX for XXXX XXXX XXXX XXXX the amount of {$270.00}, # XXXX is not mine. I never received this service. Credence Resource Mana for XXXX-XXXX  in the amount of {$150.00}, account # XXXX opened XXXX XXXX I'm assuming is for the XXXX XXXX XXXX bill so I don't know why it's on my credit report twice. My address is XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX so you can mail me any paperwork that I need to fill out. Thank you very much! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am filing this complaint against ( XXXX XXXX XXXX ) for furnishing false and misleading information to my consumer report as a means to bring harm to me and my financial reputation. This account is listed as a Charge off on my consumer report as shown in attached exhibit A. This is false and misleading. 

I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability.

Im also aware that once a debt is cancelled, it now becomes gross income.

Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness. 

Was a 1099-C filed on this account? If so, I never received one.

I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C.

Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2. 

If XXXX XXXX XXXX has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 

I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt.

Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, IRS, in accordance with XXXX XXXX, and XXXX conversions. 

If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.
Product: Credit reporting or other personal consumer reports

XXXX still have XXXX XXXX XXXX  It show paid in full & delete. They need to remove from my report
Product: Consumer Loan

I financed a vehicle through FRIENDLY FINANCE CORP. on XX/XX/XXXX. My spouse took the vehicle in our divorce. My ex-wife defaulted on the payment and the vehicle was repossessed sometime in XX/XX/XXXX. The original loan amount was around {$11000.00}. After the loan was charged-off a judgment was obtained against me in the amount {$8800.00} plus accrued interest in the amount of {$1400.00} with 22.9 % interest on the principal balance. I was notified of a garnishment order for this judgment by my employer. I did n't protest the garnishment due to the fact I knew I signed for the loan. FRIENDLY FINANCE garnished my wages from XX/XX/XXXX to XX/XX/XXXX for a total amount of {$14000.00}. I contacted the law firm handling my account on behalf of FRIENDLY FINANCE and was told my case was closed and the judgment had been satisfied. I believed this to be the end of this matter however in XX/XX/XXXX I received a noticed from an attorney representing FRIENDLY FINANCE regarding an outstanding balance of around {$3000.00} for the above auto loan. This time I was served noticed and went to court. FRIENDLY FINANCE was actually trying to obtain or transfer my default judgment from XXXX to XXXX. The judge in XXXX ruled the judgment was paid and that he would vacate the judgment. Now FRIENDLY FINANCE is falsely reporting this as charged off on my credit with a charged off balance of over {$6000.00}, which is incorrect. By my estimation I have paid over XXXX for this XXXX loan. I 'm still paying for this loan everyday due to the higher interest rates on loans term I receive due to this predatory lender.
Product: Credit card or prepaid card

Approved for Chase XXXX Credit Card. At the time of application promotional materials said they gave a free night after every cardmember anniversary to any XXXX  property. Recently I recieved a letter form chase that effective XX/XX/XXXX that free night is limited to XXXX XXXX with point redemption values of <=40k. My card was opened in Late XX/XX/XXXX, which means that my anniversary will not be until late XX/XX/XXXX. that means that I will not qualify for an unrestricted free night, only for the 'limited free night '. This sudden change is unfair, and its rapid change makes their advertising deceptive.
Product: Mortgage

My house loan conditions, under the loan modification agreement with GMAC Mortgage in XX/XX/XXXX, are such that the payments would increase by 1 % each year until XX/XX/XXXX, at which point the interest rate would be fixed at 5.05 %. When the payment amount needed to be increased, I was notified. On XX/XX/XXXX, I was notified by GMAC Mortgage that the interest rate would go up to 2 % ; and the payment amount would increase. The loan was first under GMAC Mortgage, and then it was transferred under Ocwen Loan Servicing , LLC on XX/XX/XXXX. 


After the transfer in XX/XX/XXXX, I was notified by Ocwen on XX/XX/XXXX that the interest rate would go up with an increased payment amount. After a few months, Ocwen stopped sending me the statements with the payment amount : this was done without my agreement. In other words, they stopped sending me any form of billing statements ( neither paper nor online ). 


In XX/XX/XXXX, Ocwen did not send a notification of the new payment amount under the new interest rate ; as a result, I continued to make the payments under the old amount. Later, I received a letter which showed that I did not pay the full amount for the recent months and that I accumulated a debt. When I called Ocwen for an explanation, I was informed that they could not send me billing statements or notify me of the increased payment amount because I was still under bankruptcy. 
This does not make sense since in XX/XX/XXXX, even under bankruptcy, I was notified when the payment amount needed to be increased. Ocwen is now demanding that I pay the full debt amount acquired during these months and did not accept my last payment. As a result, Ocwen is threatening foreclosure if I am unable to pay the full amount all at once. It seems to me that Ocwen is doing the best that they can to get a hold of the property.
Product: Debt collection

This agency is calling repeated times during the day after multiple attempts to cease all calling. This company uses multiple numbers during the day to call attempting to make it seem like someone else is calling.
Product: Checking or savings account

On XX/XX/22 {$460.00} was taken out my account, the wrong claim was made many times by PNC employees now no one I talk to will help me recover my money they keep hanging up in my face and all I want is my provisional credit, a representative by the name of XXXX promised an expedited process for the credit and still nothing.
Product: Checking or savings account

On XX/XX/year> I began an application process for a Discover XXXX XXXX account after receiving a mailer from them as a long time customer of XXXX of their credit cards. Using the URL XXXX I am eligible for a sign up bonus for meeting deposit criteria, and I've also been shopping around for another savings account so this was great news. 

The initial signup process was largely completed online, and I had to call to do verification. The call did not complete verification, they made me sign up for a third party service called XXXX which had technical issues. I had to finally get the site working ( which took XXXX days, until Monday the XXXX ) then I had to book an appointment with a notary via a web meeting. All while repeatedly having to enter the same information into forms, scan my ID, and do all kinds of other things. 

This morning XXXX I had a meeting with a notary at XXXX XXXX PST and as part of the process I had to show my ID AGAIN and give my address AGAIN and then complete " identity verification '' questions which I failed twice in a row. 

It may be worth noting at this point that a XXXX insurance policy in my name is " crossed up '' in the insurance system with a man with a similar name that lives in Delaware, all the way across the country. I am in California. This is not the first time I've failed these " verification '' questions because in their infinite wisdom, consumer reporting agencies have combined our information in their systems for sale to companies as verification methods. I have tried REPEATEDLY to get our profiles separated in XXXX 's systems and they are unwilling or unable to do so. 

After failing these absurd and unanswerable verification questions twice, I was told I would have to come back another day ( I would undoubtedly fail again because I am not the guy from Delaware ) so I canceled the process with NotaryCam and called Discover back to complain about the issue. The only solution they could offer is to make me travel to a notary, and they couldn't say definitively whether they would pay for it or I would have to. Let me get this straight, I might have to pay for a notary to open a deposit account on which *Discover* will make interest? Not doing that. 

It's important to note that this entire process is, in essence, discriminatory. A person who is not technically savvy would not be able to complete this process at all ( most retirees ) and the fact that they rely on flawed information from broken consumer reporting agencies is absurd.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach that resulted in identity theft. As a result, several unauthorized accounts and inquiries have appeared on my credit report without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the immediate blocking and deletion of the following fraudulent account and inquiries from my credit report : Fraudulent Account : 1. UNAUTHORIZED COLLECTION 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: Debt collection

Allied International Credit corp is attempting to collect an invalid debt on behalf of XXXX. I called XXXX and I dont know any debt to them and they said its probably a scam and to report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

These following credit inquiries are unauthorized XXXX XXXX XXXX XXXX