23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. has violated my rights. 

XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Money transfer, virtual currency, or money service

Timeline : On XX/XX/XXXX at XXXX I deposited {$25000.00} I was immediately able to purchase XXXX  and was not notified of any holds to my account pending or active post deposit of {$25000.00} On XX/XX/XXXX at XXXX XXXX  I purchased {$25000.00} worth of XXXX XXXX XXXX XXXX On XX/XX/XXXX I realized I could not send nor cash out XXXX. Only XXXX coins with < {$1.00} balance. 

At XXXX XX/XX/XXXX I spoke to someone in Customer Service who stated that the reason my entire account was locked from sending or cashing out XXXX  was due to various reasons and scenarios that I ( customer support ) do not have access to. But that my account would be able to send or cash out XXXX XXXX. I stated that if there was a policy for any conspicuous transfers rendering my funds and or entire account to be locked Coinbase should not have allow me to invest those funds until settled. I requested a copy of the policy for decision making criteria* which he failed to provide and stated he did not have access to. 

Given the market bull run and evaluating the conversation, I decided 7 days is not egregious for a large amount like that. So, I made another deposit to capitalize on the market ( trusting Coinbase ) On XX/XX/XXXX at XXXX XXXX  I deposited {$12000.00} On XX/XX/XXXX I purchased XXXX and XXXX leaving a remaining balance of {$8600.00} On XX/XX/XXXX XXXX I receive an email from XXXX XXXX XXXX stating : We have increased the holding time before you can withdraw your funds by 30 business days. This is meant to protect you against fraud by ensuring that you authorized this purchase. No action is required on your part. 

If you believe this is in error, please contact us by visitinghttps : //support.coinbase.com On XX/XX/XXXX I immediately reached out to customer support via the in-app messagingCoinbase support caseRef. # XXXX XX/XX/XXXX. Iemail address was valid and asked why my funds for withdrawal are being held and additional 30 days? 
As I am speaking with them they state the date is XXXX XXXX which is more than 30 days given Coinbase Customer Service told me XXXX XXXX. 
I asked him for the decision making criteria/ policy for how they made this decision and told him that these are my funds and my name is on each account to and from. He stated he did not have access to this and that there was no escalation point. I had to get back to work and the chat closed. It is showing still open however when I go to open either case ( listed below ) there is no prior transcript. 

XX/XX/XXXX account is still locked down. Coinbase App is stating ( see picture ) I have {$22000.00} that I can withdraw*** LIES Support via message in the Coinbase app information- Recent Help requests Coinbase support case Ref. # XXXX XX/XX/XXXX XXXX Coinbase support case = Ref. # XXXX XX/XX/XXXX Closed
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX : BALANCE : {$3700.00} XXXX XXXX XXXX XXXX : BALANCE : {$2200.00} XXXX XXXX XXXX XXXX : BALANCE : {$3700.00} XXXX XXXX XXXX XXXX : BALANCE : {$2000.00} XXXX XXXX XXXX XXXX : BALANCE : {$4100.00} XXXX XXXX XXXX XXXX : BALANCE : {$3700.00} XXXX XXXX XXXX XXXX : BALANCE : {$400.00} XXXX XXXX XXXX XXXX : BALANCE : {$4600.00} XXXX XXXX XXXX XXXX : BALANCE : {$3700.00} XXXX XXXX XXXX XXXX : BALANCE : {$2100.00} XXXX XXXX XXXX XXXX : BALANCE : {$2900.00} these are tagged as late payments and these are all inaccurate remasks
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I became aware that I was a victim of identity theft. At the time I didn't have the education and knowledge to know what to do, but when I learned that there were resources available to help me I started utilizing them to rebuild my credit after the damage that was done. One of the fraudulent accounts is still on my XXXX and XXXX credit reports and because it's listed as a collection account I'm told it really hurts my score. The collection agency name is LVNV funding and the original creditor listed on my credit report is a company called XXXX XXXX  XXXX Bank, who I have never had an account with. I have attached the police report showing that I was the victim of an identity thief.
Product: Mortgage

i currently working on loan with purchase that is supposed close Friday XX/XX/2020. all supervisors are refusing to answer any question. Also their for reps are also refusing to transfer to supervisor. I dont know what is going on my loan. Spoke to my broker he stated he reach out to this company multiple times about same issue they refusing also to answer him. The companies name is untied wholesale Mortgage and licence number
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. US DEPT ED XXXX {$4800.00} US DEPT ED XXXX {$5300.00} US DEPT ED XXXX {$5000.00} US DEPT ED XXXX {$1700.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$1300.00} US DEPT ED XXXX {$880.00} XXXX XXXXXXXX {$3500.00} XXXX XXXX XXXX {$2000.00} DEPTEDXXXX   XXXX {$2700.00} XXXX  XXXX {$3000.00} XXXX XXXX {$8200.00} XXXX XXXX XXXX {$670.00} XXXX XXXX   XXXX {$6900.00} XXXX   XXXX {$1000.00} US DEPT ED XXXX {$4800.00}
Product: Debt collection

I sent a letter to XXXX XXXX XXXX to provide proof that this debt is mine and that they have the right to collect and the did not respond to my letter
Product: Credit reporting or other personal consumer reports

Credit report is showing a {$4900.00} balance for a closed account with XXXX XXXX XXXX. 
The balance is {$0.00}. The account is closed and PAID/NEVER late. 
Credit card ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

I'm very scare that someone, use my personal information and report and credit bureau. Identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Please find out whos using my personal information and I had a bad credit history on my credit history now. please help me.
Product: Student loan

I qualify for loan discharge as a XXXX XXXX XXXX veteran. 

XXXX sent letter to me on XX/XX/XXXX. 

Called XX/XX/XXXX, they said it should be zeroed out by XX/XX/XXXX. 

Called XX/XX/XXXX, Navient said the funds have been transferred and should be complete in 10-15 days. 

Called again on XX/XX/XXXX, Navient said there were issues with the guarantor and there was nothing I could do. 

XX/XX/XXXX. XXXX confirmed that it has been approved. Asked XXXX to resend letter to navient. 

XX/XX/XXXX Called Navient again. They said they needed more documentation. 

I just want the loan discharged according to the law.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX XXXXXXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Mortgage

This is a continuation of the prior complaint # XXXX XXXX regarding loan number XXXX. Over the last 6 months XXXX XXXX, my point of contact at Shellpoint Mortgage Servicing Company, and I had been working on a plan to come out of forebearance, through a loan modification and moving some of the payments if not all, to the back of the existing loan. During this period, I had offered to pay the monthly payment of {$5800.00} which includes principal of {$1100.00}, interest of {$2200.00}, escrow of taxes and insurance of {$2400.00}. XXXX told me repeatedly not to make the monthly payment until Shellpoint had corrected the total balance outstanding minus the escrow amounts I had already paid. During this time XXXX had submitted my request to have 6 months of the the monthly payments placed at the backend of the original loan. We spoke at least twice per month and he insisted not to permit me to make monthly payments to reduce the outstanding balance. I was looking at other options including a reverse mortgage. I was informed from the reverse mortgage companies that my credit score had dropped to XXXX from well over 700 due to Shellpoint submitting a delinquence notice to the credit companies. Then I received a call from XXXX XXXX, who indicated that she was my new point of contact at Shellpoint and that the outstanding balance had increased to {$70000.00} and they needed payment to prevent Shellpoint proceeding further with foreclosure of my property. Needless to say I am in shock. No one had indicated that foreclosure would occur during the period I was in good faith trying to work a plan to come out of forebearance and continue my monthly payments. It was my understanding that Shellpoint would not report me as late to the credit bureaus as long as I was trying to work out a plan with Shellpoint to resolve the forebearance resulting from Covid 19. XXXX from Shellpoint continued to indicate that my loan modification had been denied without explanation. I had received the paperwork for a loan modification from Shellpoint the week of XX/XX/XXXX, completed and returned the paperwork requested by Shellpoint on XX/XX/2022. My continuing issues with Shellpoint are 1 ) not giving me proper credit for the taxes and insurance I paid, 2 ) denying my loan modification during the phone conversation with XXXX Shellpoints customer service representative, 3 ) improperly reporting me as late on my payments when I was working on a solution with XXXX XXXX, 4 ) charging me late fees and attorney fees during the resolution workout period.
Product: Credit card or prepaid card

I am writing regarding the inappropriate manner in which Home Depot Credit Card services ( Citi Bank ) reduced my credit limit by {$1900.00} without any notice ( from {$6900.00} to {$5000.

00} ). The surprising part of the whole thing is that the credit limit as per my latest HD monthly stateme
nt is {$6900.00}. It is only on checking with the credit bureaus did I learn that my credit limit was reduced to {$5000.00}. On calling the card services I was told that this action was taken due to inactivity on my card. Neither was I aware of any such condition nor was I informed before taking such an action.

When I spoke with the the customer service agent that I wanted to escalate the issue, he was very rude and impersonal in saying that there will be no change in decision and that I have no other choice. I felt like I was at the mercy of Citi and had no choice.

I have been a Home Depot member for the last 4 years. However, I am shocked at the way my credit limit has been reduced for no valid reason. This has adversely affected my credit history/ score. 
As my requests were not being dealt in a correct manner, I reached out all the way to the CEO, XXXX XXXX. I was contacted by his office only to be read out a disclaimer in the credit card agreement that they have the right to reduce the credit limit when there is no activity on the account. I argued that a fine print can not be a reason to take this action. They should have contacted me before doing any such thing. But the representative refused to hear me out. He blatantly said that they will not do anything and hung up on me. 
I request that this matter be investigated to reinstate my credit limit to {$6900.00}.
Product: Credit card or prepaid card

My charge card was closed due to delinquency b ack in 2016. Since then, I have been instructed by Old Navy to continue to make payments. I have advised them in the p ast, via chat, that I have fell into a financial hardship. At times, they waive the late fee, but that is not enough help. I am struggling and can only afford my rent, utilities, and food-the bare minimum. Whenever I try to call in, it is a hassle just being able to reach someone or have my call escalated.
Product: Credit card

I set up an automatic payment in the amount of {$80.00} instead they drafted the full account balance of {$870.00}. 

I called them as soon I noticed the draft on XX/XX/XXXX. I was told that I would receive a refund by more than one agent. The funds have still not been returned.

I spoke to another 3 agents today and theres s refusal to return the funds or to put in writing that they arent returning the funds.

They said they will conduct an investigationm that will take 5 more days. I asked why they didnt conduct this when I called last week.

How is it legal to not return money to someone asking for a return?
Product: Mortgage

My mortgage with XXXX XXXX XXXX  was sold once I requested a forbearance due to financial hardship during the COVID-19 pandemic. The mortgage was effectively purchased by XXXX XXXX XXXX  XXXX XXXX on XX/XX/2020, and subsequently contracted out for servicing by Shellpoint Mortgage Servicing. Our initial forbearance was from XXXX XXXX through XXXX XXXX an d extended by Shellpoint for an additional three months after discussing our current financial situation. We were told that we would have deferred payment options at the end of our forbearance but to try to make tax and escrow payments current to avoid any penalties from the government. 

Since our last discussion with Shellpoint, we have not been able to make payments to our escrow account, as instructed and we have not been able to speak to our representative for guidance. I have sent emails on the following dates to XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, in addition to leaving her voicemails on those dates. We have not had any response. We have been sent numerous letters detailing our repayment options, see the attached example. 

Today ( XX/XX/2020 ), I was finally able to speak to another representative who informed me that our mortgage does not qualify to have our outstanding balance deferred to the end of the loan and we would need to stay in forbearance until we can pay the whole amount owed. I asked why our mortgage was not qualified and she said it was because of their client ( XXXX XXXX XXXX   XXXX XXXX ) and she would not offer any other information. She also stated if we wanted to end our forbearance early without making any payments, we would get a negative credit rating. 

Throughout this process, we have been told that having our payments deferred was an available option for our mortgage and they would make sure this was put in place when we felt we could resume payments. This is a situation that we are in due to the sale of our mortgage and no one is being held accountable for the lack of communication and answers regarding our mortgage. We feel as we are in a terrible situation with an uninformed and unresponsive servicing company that puts us at risk of destroying our credit or losing our home.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reviewed my credit report and noticed several hard inquires that I did not give consent to. These inquires negatively impact my credit profile and were made without my explicit consent, violating FCRA section 604 which mandates permissible purpose for accessing a consumers credit report. Under the provisions of FCRA particularly sections 604, and 611 to dispute the accuracy of hard inquires appearing on my credit report and that the contested legitimacy of inquires. These are the companies and how many times they have inquired and the credit agency. 
XXXX XXXX : XXXX TRANSUNION XXXX : XXXX XXXX XXXX XXXX  : XXXX TRANSUNION XXXX : XXXX XXXX
Product: Credit card or prepaid card

I requested a credit line increase and was told that I couldnt receive it because I already got one. False I never received an increase. I got an email stating it was an error and they would re-evaluate for the credit line increase and send me a correspondence in the mail the letter received stated I already received a credit line increase, which is wrong my limit is still {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the constitution it states that. : 15U.SC 1681 sec 60A-/ : STATES I HAVE THE RIGHT TO PRVICY.!!

15.U.S.C 1681 Sec : 604A/sec2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CONNOT!!!! Finish account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) sec : STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEAMS OF INFORMATION, AND OTHER ADVERSE ITEAM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WITCH ANTENDS THE REPORT BY MORE THEN 7 YEARS!

15. U.S.C 1681s-2 ( A ) ( 1 ) : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS REPORTING OR HAS REASONABLE CAUSE TO BELIVE THAT THE INFORMATION IS INACCURATE! 


I HAVE BEEN VIOLATED ON THE FOLLOWING ACCOUNTS : # # # XXXX. XXXX XXXX XXXX # XXXX amount {$480.00} ( originally XXXX XXXX ). I NEVER GAVE MY PERMISSION??? 
XXXX amount {$590.00} XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX  # XXXX / # # XXXX XXXX XXXX XXXX credit # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX and # XXXX XXXX XXXX  # XXXX Remove all listed from my credit report even closed accounts.
Product: Mortgage

Chase financial holds my mgt@6.75 for 10 yrs. Advises me to stop paying for 3 months. Then they might be able to help.? It is not a federally backed loan, also a problem. I have never been late. This house is my livelihood. Can you help at all. IV tried everyone else, your the last ones. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a credit builder plus loan with XXXX XXXX, which was opened XX/XX/XXXX. The installment loan agreement was to be paid in 25 bi-weekly payments in the amount of {$19.00} with a final payment of {$19.00}. This loan has had MAJOR issues with payment processing and has a very flawed system. With that said, my bank ( XXXX ) has been connected and XXXX has automatically been taking payments from XXXX since this agreement began. They have reported my payments as on time, as they have been, to all three major credit bureaus ( XXXX, Equifax, XXXX  ) until around XX/XX/XXXX. On XX/XX/XXXX I noticed a change in my payment history, and XXXX had reported late/delinquent payments to those three credit bureaus, that were previously reported on time. They changed my payment history as follows : reporting a 30 day late payment status for XX/XX/XXXX, reporting a 60 day late payment status for XX/XX/XXXX, and reporting a 90 day late payment status for XX/XX/XXXX. This is inaccurate credit reporting, and I have bank statements proving the payments were taken from my bank account for those months. This has affected my credit score drastically, by adding 1/30 1/60 1/90 late payments to my report! I contacted XXXX  via their app in XXXX ( as instructed ), with no help. Then I contacted them via their complaint request on XX/XX/XXXX. The email I received from customer service was to go file another complaint about credit reporting, via the identical process I had already followed. I did follow through and do this yesterday. I am, however, extremely disappointed with the fact that no one seems to help, and Im just told to contact another department as soon as I speak with someone. Now more than ever, I dont need my credit to be affected like this. The fact that they changed these payment statuses in the beginning of XXXX during a pandemic, is wrong and financially puts a strain on people!
Product: Debt collection

Security Credit Services/ Acct # XXXX is reporting on my credit profile with a balance of {$80000.00}. This account was transferred from XXXX XXXX XXXX. This account should not be reporting on my personal credit profile. This is ridiculous! I have demanded to see proof as to why this would report on my credit and have yet to receive documentation. Research and correct this information immediately or delete this account off my credit profile!