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

I had a XXXX credit card account that was charged off. I settled the account back in XXXX of 2018 with XXXX XXXX, yet XXXX XXXX XXXX XXXX is refusing to report this account on my credit report as paid or settled in full to the 3 credit bureaus.
Product: Debt collection

I have a collections on my account for a XXXX medical bill i do not owe. I have insurance and at the time they are accusing me i did to. I had gotten a letter in The mail a couple years ago from a hospital appologizing that my information and medical files are at risk because some computers were stolen from said hospital. I am very very upset that they keep bothering me. I continuously get mail from them telling me to pay this bill. I have even recieved a phone call a couple of times on my home phone. I will refuse to pay a bill i do not owe.
Product: Debt collection

I was checking my credit score on XXXX XXXX and noticed that I had a hard inquiry from XXXX XXXX XXXX/XXXX  From XX/XX/2019. 
Syncb XXXX, FL XXXX ( XXXX ) XXXX This is nothing I was aware of. I have no history of any credit cards? Im concerned that this might be identity theft. I just need to know what steps I must complete to get this resolved ASAP. 
Thank you in advance
Product: Money transfer, virtual currency, or money service

Hello, I have previously reached out to Coinbase in three separate emails, but have not received a response. Coinbase states account issues must be resolved through email and can not be resolved through phone support. I simply want my money returned. I have included a timeline below : XXXX XXXX, XXXX - Purchase {$650.00} of XXXX, XXXX, and XXXX using Coinbase. The purchases were effected through the used of a linked XXXX XXXX account. At XXXX on XXXX XXXX, I received a notice of closure email from Coinbase stating I had violated the terms of service, and that my account would be closed. I have reviewed the terms of service and am certain that I did not violate them in any way, shape, or form. The same day I noticed that I had {$650.00} of pending ACH on my bank account. This was fine as I thought it would fall off. 

XXXX XXXX, XXXX - Coinbase withdraws {$650.00} from my bank account. I checked my " closed account '' page on Coinbase which indicates that I have no money in my XXXX, XXXX, XXXX, or XXXX wallets. I was very concerned as Coinbase treated my account as having been closed out with zero balances despite withdrawing {$650.00} from my bank account. 

I have yet to receive a response from Coinbase and believe that the company has wrongfully withdrawn money from my bank account. If there is a reason for the current issue, I simply want an explanation. At the end of the day, I only want my {$650.00} returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigated these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

Mon, XX/XX/XXXX at XXXX XXXX I had a Venture Capital Card and had accumulated XXXX rewards points on it. My membership fee was due on XX/XX/XXXX but I had not received any invoices or email and had not been using the card because of Covid19. I called today and found out Capital One had quietly cancelled my card and took away my XXXX points that is worth {$700.00}. The worst thing was the representative told me the company was doing me a favor since it paid the membership dues for me ( the dues is for XXXX XXXX to XX/XX/XXXX ) and saved my credit. Except that is just a blatant lie and theft because if my dues was " paid '' by Capital One, then why was my account closed and my XXXX points been taken away? It is a mere conspiracy to steal my points. I demand to have my XXXX points reinstated and I am willing to pay the {$95.00} membership fees to Capital One but Capital One refuse because {$700.00} is worth more than the {$95.00} which Capital One had never paid for me or else my account should be still open and my points would be still mine.
Product: Debt collection

They call multiple times a day, everyday, always early morning and afternoons while Im at work. Ive blocked numbers multiple times and they call from a different number but my called ID tells me its Spring Oaks.
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally. An examination of my credit report revealed late payment entries. Although I sent correspondence over a month ago, I have not received any reply, nor have they provided adequate verification. I seek your help in addressing this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been reported to pay pal without my consent
Product: Money transfer, virtual currency, or money service

It is a {$20000.00} cashiers check, XXXX party deposited in a friend 's account because my id was expired. They took the check and let me deposit it in my friends account with us both present and with his valid id. But froze the account or money after spending {$3000.00} of it. This cashiers check was originally given to me from my sister from my mom 's house that was sold after her passing. I use Chase bank and this has been going on for XXXX yrs already and afraid of loosing funds. My phone number is XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, TX. XXXX
Product: Credit card or prepaid card

I have a XXXX XXXX Visa Card by Citi.

I overpaid my account and had a credit on that account that rolled over to the next month.

Citi did not apply that credit to offset my new charges. Rather than subtracting the credit from my charges, they actually ADDED it to those charges, and the total appeared on my statement as " purchases. '' The amount of my " purchases '' was therefore greater than the total of the items I had actually purchased by the amount of the credit. 

When I spoke to a representative about this, she eventually admitted that yes they did add that carryover credit to my debits, but said then that they deducted the credit from the total. So then we were back to the actual value of my purchases. That would be ok, except that she claimed that the carryover credit had been applied to my balance. 

Finally she agreed to mail me the credit, but it is clear that if I had not demanded that, Citi was not going to give me back the credit, but they were going to give me the impression that they had applied it to my account.

File " citi XXXX '' shows total purchases of {$170.00}. 
File " citi XXXX  '' shows that purchases of {$170.00} was added to the credit of {$160.00} to create the new " purchases '' figure on a different page of {$340.00}. Then the {$160.00} credit was applied to that total to bring the " new balance '' down to {$170.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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: Mortgage

My wife and I refinanced our home in XX/XX/XXXX by way of a {$70000.00} simple interest note from XXXX XXXX, which later became XXXX. Servicing was transferred to XXXX and finally to Ocwen. My wife recently passed away and I am on XXXX from the XXXX. Nonetheless, I have never missed a mortgage payment. The loan has very rarely been late and, if so, only a few days. Often its paid a few days early. 

The promissory note says : I will pay this loan in 240 payments of {$560.00} each payment. My first payment is due XX/XX/XXXX and all subsequent payments are due on the same day of each month after that. My final payment will be due on XX/XX/XXXX, and will be for all principal and all accrued interest not yet paid. I am told that despite making all my payments timely under the note -- - I will still owe around {$5000.00} after making my last scheduled payment in XXXX. At one point, the payment due date changed to the XXXX of the month. 

I telephoned Ocwen in XXXX XXXX and requested a payment history. I am uploading the following documents : a ) mortgage b ) promissory note c ) XX/XX/XXXX letter from Ocwen responding to notice of error d ) Payment history provided by Ocwen I believe one of two things have happened : This loan was at one point, perhaps when it was with XXXX, was converted to a fully amortizing loan and Ocwen failed to account for this and misapplied all the monies I paid on the loan resulting in an over collection of interest which is resulting in a principal balance that is not actually owed. Alternatively, if the loan was not converted, Ocwen may have  otherwise boarded the loan incorrectly with flawed data when it acquired it or maybe when it changed the due date. Or maybe it has made some other mistake. Whatever the case, I made all the payments as required but I am told that I will still owe {$5000.00} or so after making the final required payment. 

Please process my complaint and help me resolve this issue.
Product: Mortgage

My mortgage was sold to Roundpoint company in XX/XX/2023. I got a letter in XXXX from my prior lender, XXXX XXXX stating this was to occur and the next payment to be made would go to Roundpoint. XXXX XXXX 's letter provided the Roundpoint contact but no other info. XX/XX/XXXX, when I typically pay bills, I called Roundpoint and they said they did not have the transfer completed and could not provide me with any information so that I could pay the mortgage on time. They said I would receive a letter from Roundpoint when they were ready to receive payments. They reassured me that there was a 60 day grace period to allow all the customers to receive the necessary information to pay their mortgage. I never received a letter. I got a call about XX/XX/XXXX and the lady was quite rude, she said there is a grace period but the payment would still be listed as late, even though I couldn't have paid it without the loan number. As I tried to explain and ask for proper documentation she continually interrupting me. I stated I was waiting for a letter from them that clearly documents that the loan was transferred, the loan number, the amount of the loan and the interest. The rude customer service rep kept suggesting I could solve all these problems myself, and could have already paid the mortgage. This loan is {$450000.00}, and this is serious money to me. I want a document that shows the loan is accurate. There can be mistakes and fraud and I don't want to be a victim of a scam. She never assured me that a paper letter would arrive that would provide this needed and required information. She said " check your email junk folder.. I did and a letter providing some basic info but not complete info was there. just enough to pay them, but no statement of loan amount or interest. This reeks of fraud. I would like them investigated. The mortgage industry has a very bad reputation and this is another example of why. I have perfect credit, and I will pay them, but I am reluctant to continue to work with this company and it isn't fair to me to have to consider refinancing due to this type of behavior.
Product: Debt collection

Portfolio recovery calls at least 5 times a day and they never leave messages. Every day I get calls from different states. In never had anything with this company. I just need them to stop harassing me. I did some research and they are included in a bad list by consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX is OPEN! I've filed multiple disputes and uploaded proof. I received a credit line increase on a closed account? Instead of questioning them, as you should, you continue to report the account closed. Here 's a thought ... actually look at proof, and, hold the reporting entity to some regulation, such as, just a thought, that they need to prove what they report, and, show proof if different from what the consumer supplies.
Product: Credit reporting or other personal consumer reports

TransUnion, I want to show you how AWESOME XXXX IS IT SHOWS THERE'S STILL GOOD PEOPLE IN THIS WORLD THEY SAW THAT I SETTLED THE ACCOUNT WITH XXXX XXXX XXXX  ON XX/XX/2023 AND ALSO THEY DIDN'T WANT TO INTERFERE WITH MY LIFE. HIW COULD ANYONE PAY A BILL I LOST MY JOB JOB DURING THE COVID-19 CRISES. ALSO THEY DIDN'T WANT TO INTERFERE WITH ME GETTING A MORTGAGE. SEE ATTACHMENTS FOR PROOF THERE'S STILL GOOD PEOPLE IN THIS WORLD.
Product: Credit reporting or other personal consumer reports

To the Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding significant inaccuracies and fraudulent activity present in my credit report, which have been causing detrimental effects on my consumer rights and financial well-being. 

Recently, I discovered several discrepancies within my credit report provided by Equifax. These discrepancies primarily concern inaccurate personal information and unauthorized credit inquiries, which pose a serious threat to the integrity of my financial profile. Despite my efforts to address these issues directly with Equifax, I have yet to see any meaningful resolution. 

Personal Information for Equifax : NAME : XXXX XXXX XXXX XXXX It has come to my attention that there are variations of my name existing within Equifax 's records. I have requested the immediate removal of any entries that do not precisely match my correct name, " XXXX XXXX XXXX XXXX. '' However, these inaccuracies persist, potentially compromising the accuracy of my credit profile. 

CURRENT ADDRESS : XXXX XXXX XXXX, XXXX, NC XXXX Furthermore, there are additional addresses listed in Equifax 's system that do not correspond to my current residential address. I have explicitly requested the deletion of any address entries that do not align with " XXXX XXXX XXXX, XXXX, NC XXXX '' to ensure the accuracy of my credit information for future transactions. 

Unauthorized Credit Inquiries : Inquiries made by the following entities were unauthorized, and I did not provide consent for any inquiries : XXXX, XXXX, Equifax XXXX XXXX XXXX XXXX XXXXXXXX, Equifax XXXXXXXX XXXX XXXX XXXXXXXX, Equifax XXXXXXXX XXXX XXXXXXXX, Equifax These unauthorized inquiries not only violate my privacy rights but also undermine the integrity of my credit report, potentially leading to adverse consequences for my financial well-being. 

In conclusion, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary actions to rectify the inaccuracies and fraudulent activities present in my credit report. Your prompt attention to this issue is crucial in safeguarding consumer rights and ensuring fair and accurate credit reporting practices. 

Thank you for your assistance in addressing this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had a credit card with Barclay. Barclay sold my credit card services to XXXX XXXX.I placed a 0 % balance transfer of {$1600.00}, on XX/XX/2019 wanting it to go to my balance on my XXXX card. The amount {$1600.00} went to Barclay instead of XXXX. On XX/XX/2019 Barclay cashed the check. They will not give me the money to pay my XXXX card. I do not get any help when calling Barclay customer service. They either hang up or transfered around with no help. 
Please Help
Product: Mortgage

XX/XX/2021 is when I completed my documents regarding identify theft for the mortgage account Carrington, which was fraudently opened without my consent. I am a co-borrower who has been dragged onto this account without m had advise the provided necessary documents to initiate the investigation as for the identify theft, police report, evidence. Which I have not heard from the company regarding status. So i contacted them in XXXX, which there was no updated information and was advise the individual was looking to re-finance the property. I had mentioned to them that I would not be partaking on the re-finance and needed to speak with the department. I reached out again in XXXX and still was advised that there was no updates regarding research and nor have I heard from them
Product: Credit card or prepaid card

Goldman Sachs, Apple Card restricted my account usage, after speaking and confirming the charges were mine they removed the restrictions. After they removed the restriction I made a payment to be able to use the card again. Right after I made a payment, they restricted my account again. I called customer service and asked them why they did it the second time. I was told that they needed a TAX FORM 4506 T to be signed by me so they could review and remove the hold off the account. Since the account was restricted I asked for the payment to be cancelled so I could make a minimum payment. CC assured me that the payment was disputed and that I would get a check back shortly. I signed the for and sent it back to them but my account was under review permanently, so I asked for the payment, and each time I was lied to that the payment will be refunded shortly, another agent told me that it will not be refunded till after the review was completed. So every time I called I got a different answer at all the levels possible that I could speak to. 
The customer service is not relevant and one can never get an answer from them, just stories made up to their discretion.
Product: Debt collection

HAVE TRIED TO GET A VERIFICATION AND A VALIDATION OF DEBT ... ... THEY HAVE REPORTED DEBTS TO CREDIT AGENCIES THAT HAVE CAUSED ME FINANCIAL HARM.
Product: Debt collection

I made monthly payments to RMB Inc. only for them to send my account to the credit bureau. I requested with XXXX on XX/XX/2018 to get set up on automatic draft. XXXX from RMB Inc. confirmed that I was set up on automatic draft and that everything was current. 2 days later I am notified that they reported my account to the credit bureaus. I contacted RMB Inc 9 times on XX/XX/2018 to speak with a manager. Every representative sent me to a XXXX 's voicemail. I started my first call at XXXX XXXX and ended my last call right before they closed at XXXX XXXX. The representatives were very rude, XXXX, XXXX, XXXX, XXXX, XXXX were all unhelpful. When I left my voicemail I requested someone call and leave a message and email me if they get my voicemail. I haven't received any communication or contact with a manager at RMB Inc.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, email at XXXX In XX/XX/2021, I opened an account with Coinbase XXXX, a cryptocurrency exchange. I subsequently made an investment in cryptocurrency, totaling {$3000.00}. After a few weeks of watching the volatility of the cryptocurrency market and subsequent changes to my balance, I decided to sell my position and return my now lower balance of approximately {$2800.00}, back to my bank account. 

On XX/XX/2021, I followed the instructions provided by Coinbase to close my account and withdraw my balance. I converted my cryptocurrency back into fiat currency. I then tried to make a withdrawal and return my money to my bank account. However, the Coinbase software would not give me the option of returning the funds to my bank, but only allowed for a re-investment into another cryptocurrency in which I wasn't interested. Re-reading the Copinbase instructions, I understood that such a withdrawal could only occur after the closure of the investor 's account. So, I officially closed my account, thinking I was doing the right thing to get my funds. However, the closing of my account resulted in my inability to get access to my account, and most importantly, my funds. 

On XX/XX/2021, I began contacting Coinbase support for help. I opened a support case no. XXXX, as well as a formal complaint no. XXXX. Please read the email exchange I'm submitting. So far, they have not addressed my case and I'm asking for your assistance.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries associated with my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following accounts and inquiries were not authorized by me. 
XXXX Accounts : XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} Fraudulent Inquiries : XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Fin - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX A - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX
Product: Vehicle loan or lease

Sent a payoff check to the company. Sent certified mail. Check was delivered, they lost the check. Not willing to assist or do anything to find it. I was willing to do a stop payment and pay by phone, if they were willing to compensate for the stop payment since they lost it, the cost to send the certified check, and the per diem cost I have incurred over the last 10 days. They said no. They lost my information and a XXXX XXXX check. My banking information has been exposed, my money has been put at risk, and they refuse to take responsibility.