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

On XX/XX/XXXX I purchased a preorder for a pair of size XXXX XXXX XXXX XXXX XXXX that will be available in limited quantities towards the end of this year. I purchased them for {$280.00} and used PayPal as my payment.The person I ordered the shoes from was operating a huge Ponzi scheme and scammed people out of millions of dollars. He dissolved the business and did not send out shoes or issue refunds. On XX/XX/XXXX I received this statement via email On XX/XX/2022, XXXX XXXX XXXX was appointed by the Circuit Court for the State of Oregon for the County of XXXX to serve as Receiver with certain roles identified in the Order Appointing Receiver. The owner of XXXX XXXX XXXX petitioned the court for voluntary dissolution under Court supervision and the appointment of a Receiver in order to protect and preserve the assets belonging to the Receivership Estate and to assist in the dissolution of the business. 



The Receiver will provide updates as they become available. Please report back to this website periodically to stay apprised of events regarding the dissolution/liquidation of the business. 

I ordered 1 pair of shoes in my size and ordered with the intention of wearing them. I filed a dispute with PayPal on XX/XX/XXXX to try to get a refund by using their protection. 
On XX/XX/XXXX I was sent this email saying that I was denied because I bought them to resell them and make profit. 

Regarding your recent case. 


XXXX XXXX, We apologize for the delay in the resolution of your claim and appreciate your patience. We've reviewed the details of your case, and based on the information we have to date, we have denied your case. 

For your reference, were including the Dispute Case ID below, and you can find the full dispute and transaction information by logging into your PayPal account and going to the Resolution Center. 

Dispute Case ID : XXXX Your claim is being denied because the purchase is ineligible for PayPal Purchase Protection according to the PayPal User Agreement. Specifically, items or transactions are not eligible for PayPals Purchase Protection program when intended for resale. This exclusion applies to single item transactions or transactions that include multiple items. 

What can you do? 

We want to give you an opportunity to provide us with additional information within 10 days from the date of this email that could help us further evaluate this case. Please contact us by clicking Help & Contact on any PayPal page. 

Note - If we dont hear from you, we'll consider this case closed based on the decision described above. 

We're sorry for any problems you may have experienced with the transaction. 

I do not profit by reselling sneakers. I am simply a consumer and a passionate sneaker collector that was scammed and refused protection from PayPal.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX {$6.00} XXXX play XX/XX/XXXX {$6.00} XXXX play XX/XX/XXXX {$25.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A default judgment is appearing as a collection account on XXXX, TRANSUNION, AND XXXX.It is appearing perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted within recent years.In addition.the date of 1st delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERAL AGREEMENT CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.The disputed account is XXXX, XXXX, XXXX XXXX acct. no. XXXX.
Product: Mortgage

Without missing any payment when trying to refinance Bank of America who was servicing a loan from XXXXXXXX XXXX XXXX  could not refinance because there had not been a release of lien from previous lender XXXX XXXX. Once I had acquired and negotiated we were able to have XXXX XXXX XXXX the lien. Bank of America and their servicer XXXX used illegal filed documents and foreclosed and sold our property we had a release of lien on and did all this against a consent judgement from CFPB and now have been filing RICO complaints against me for seeking arbitration and getting an arbitration award. When does this abuse stop. The consent judgement they agreed to alll the while they were illegally foreclosing on a property that had a release filed into the public record. Now they filed RICO which was dismissed now they filed another one this month changed the story a little and came back again. This is malicious abuse of Civil Procedure and is against the CFPB consent order. Are you guys going to do something against these services lenders.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information that appears on my credit report from XXXX. The following accounts contain incorrect information that is negatively impacting my credit score, and I request that they be thoroughly investigated and corrected or removed as necessary. 
XXXX. XXXX XXXX  XXXX ( Account # XXXX ) * This secured card account is reported as open and in good standing. However, the payment history reflects that no scheduled payments were made after XX/XX/XXXX, which is inaccurate. 
* The balance history shows a {$0.00} balance with repeated payments marked on XX/XX/XXXX, but no ongoing activity. I request verification of these records to ensure accuracy. 
XXXX. XXXX XXXX XXXX ( Account # XXXX and XXXX XXXX  ) * These accounts are marked as " Potentially Negative '' despite being paid and closed. 
* Both accounts reflect late payments ( XXXX & 60 days past due ) in XXXX and XXXX, which I believe were either reported incorrectly or should not be factored into my credit score due to their age and resolution. 
* Additionally, I have disputed these accounts, and the reinvestigation conducted in XX/XX/XXXX did not provide adequate justification for maintaining these negative remarks.

* One of these accounts states, " Account paid from collateral, '' which I believe does not accurately reflect the terms of repayment and should be corrected.

I am requesting the following actions : 1. A full reinvestigation into these accounts under the Fair Credit Reporting Act ( FCRA ) to verify the accuracy of the reported information.

2. Removal of any incorrect late payment notations and the " Potentially Negative '' label on accounts that have been fully paid and closed.

3. Documentation from the furnishers confirming the accuracy of these reports or immediate removal if they can not be verified.

I have attached screenshots of my credit report reflecting the disputed accounts for your reference. Please update my credit report accordingly and provide me with written confirmation of the outcome of this investigation. 
Thank you for your prompt attention to this matter. Please contact me if additional information is required. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received an email from the Compliance Department of Coinbase requesting information such as my passport, photo identification, address, etc., for a security and compliance review. I submitted all the requested documentation on the same day. Subsequently, in XXXX, they requested additional information, and by XXXX, my account had been deactivated. Consequently, I am unable to buy or sell my crypto assets or link my Coinbase account with my bank account, effectively leaving me unable to access my funds. 

On Monday, XX/XX/XXXX, after waiting on hold for an hour and thirty-five minutes, I spoke to a customer service representative who was very helpful and explained my entire situation. I was provided with the reference number XXXX and was assured that my account would be reactivated soon. However, this issue has been ongoing since last month, and I have a significant amount of money in my Coinbase Wallet that I am unable to access. Despite sending several emails, I have not received any response. The service for my account is restricted, and I am at a loss on how to have it reinstated. I am unsure of what steps to take next.
Product: Mortgage

On XX/XX/XXXX, I purchased the property located at XXXX XXXX XXXX XXXX XXXX Nc XXXX. The title of the property is not clear because there is no recorded pay-off for the Deed of Trust filed in Book 7105, Page 396. 

Im unable to sell the house. 

First Horizon bank failed to record the lien release letter. I called them and they will not help me because I'm a third party. They want the seller to reach out to them and the seller has no incentive to help. I'm the one who is suffering damage now because i can't sell. The buyer is not in need of this letter so he is not helping. 

My property title is still encumbered by the Deed of Trust executed by XXXX XXXX & XXXX XXXX in favor of XXXX XXXX XXXX  XXXX XXXX, dated XX/XX/XXXX, and recorded in Book 7105, Page 396, XXXX XXXX XXXX, securing the principal sum of {$40000.00} and subsequent Assignment of Rents filed in Book 7684, Page 3059. 


XXXX XXXX XXXX XXXX  XXXX is now First Horizon. Can you get a lien release letter from First Horizon, please? 


I can send the settlement statement to you to show you that it has been paid off. 

The Uniform Residential Mortgage Satisfaction Act requires lenders to record the lien release within 90 days from the date of pay off. It has been more than 90 days already. According to the Act, the penalty on the lender ( First Horizon ) now is {$1500.00} for failure to record the lien.

I wasn't able to sell the house because of their negligence and I suffered financial damage from the failure to sell the house. 


I called First Horizon Bank ( Formerly : Capital Bank / XXXX XXXX XXXX  XXXX  XXXX ) They cant release information about this loan pay-off to me because Im a third party. 
The loan number is XXXX. 
And the prior owner of the house has no incentive to help. 

Thanks. 
XXXX
Product: Vehicle loan or lease

I am not familiar with this account. I have contacted ALLY FINANCIAL concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX XXXX XXXX XXXX XXXX. ALLY FINANCIAL has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
Product: Mortgage

On XX/XX/2023 I paid off my 40 year BOA modification loan and requested that they close the said account. I didn't receive any documentation from the company reiterating this transaction but instead I received a 'bill ' for {$4.00} for the month of XX/XX/2023. I called BOA on XX/XX/2023, spoke to a BOA representative named XXXX & was reassured that I would NOT be held liable for the $ XXXXand a payoff statement would arrive within 7-10 business days. But, on XX/XX/2023, I went on BOA website under my account & noted that the account is still OPEN & still showing the amount of {$4.00}. In addition, I called on XX/XX/2023 to BOA & spoke to another rep, XXXX, and inquired WHY I was assigned a DIFFERENT account #. BOA repXXXX XXXX stated that the reason for 2 DIFFERENT account # 's was due to the company changing the existing modification loan TO an conventional loan. When I inquired WHY this was done, he didn't tell. I am not sure if he couldn't or wouldn't. Some hours after that call, I went on the BOA website again, and saw that there was a {$0.00} beside my Home Equity Loan account BUT in RED lettering it said 'INTEREST AND/OR ADDITIONAL FEES ARE OWED. I have attempted to contact The Office Of Attorney General here in IL & I am still awaiting a reply, as of yet. Is there any way, you can assist me in this dilemma?
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 XXXX XXXX XXXX. The accounts below have violated mi rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX. ( XXXX XXXX  ( XXXX ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse tem of information, other than records of convictions of crimes which antedates the report by more than XXXX ycars. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) A person shall not furish 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 inaceurate. 
Delete the inquiries below : 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX XXXX ( XXXX XXXX  XXXX ) and also reached out to XXXX about my concerns about the following account which is XXXX XXXX ( XXXX XXXX  XXXX ) account XXXX agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.
Product: Debt collection

I have been disputing fraudulent information on my credit report for 3 months in a row now. I have called multiple times to inform Equifax that the information listed on my FCRA report does not belong to me, and that it needs to be removed. They have YET to remove the rest of the fraudulent information. This has violated the 605B law of the FCRA, that protects my rights. I have recently submitted documentation once again to the bureau and to the creditors to try and resolve this problem. 
Someone is benefiting from my identity, and I am the one who is being charged for these actions. 
Please remove the fraudulent information from my credit report pursuant to section 605B of the FCRA.
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 XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXXXXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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: Student loan

My wife and I had consolidated all of our student loans with XXXX XXXX in XXXX. The same year I entered XXXX XXXX XXXX. Each time I XXXX after XX/XX/XXXX, I submitted request for deferment on the loan and the XXXX XXXX and now Navient mishandled the paper work. We received confirmation twice that the military deferment was in place and several months later received notification that we were in default on the loans and that the only way to fix was to have the loan re-written. This situation went on for years and even came close to impacting my security clearance. Now I am retired from XXXX XXXX and work for the XXXX XXXX as a federal employee, we are trying to apply for forgivness and once again, Navient is tell us we are not eligible. I would like my account audited and try and get credit for the deferments we fully qualified for and try again to gain control of the student loans we have faithfully tried to manage.
Product: Debt collection

CFPB, I sent a Cease and Desist to Easter Account System for a alleged debt referenced under account # XXXX, in according with the Fair Debt Practices Act ( FDCPA ), 15 USC 1692c ( c ) they have to Cease And Desist all communication with me including reporting the alleged debt on my consumer credit report. I sent this twice though the CFPB portal.The second time I explain what a Cease and Desist mean since they decided not to remove the allege debt and respond with all communication have been Cease And Desist. It is still showing once again and reporting on my Consumer Credit Report. Without removing this alleged debt they are still communicating with me.
Product: Debt collection

An account was fraudulently opened in my name and has been causing a great deal of harm to my life ever since. This account has been misrepresenting my credit report for the last 3 years and has caused insurmountable losses physically, mentally, emotionally, and financially. I demand this account be removed immediately from my credit report as it violates my civil rights by showing misleading information to creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been previously disputed multiple times and complaints filed with the CFPB with no resolution. The XXXX XXXX card account continues to provide different account information year after year. The various attachments to this complaint are provided by various credit bureaus to show how the payment history and account closure date and status change every year even when I dispute the information with XXXX and Equifax with provided documentation. This account was paid and closed XX/XX/2021. It has continued to report different information between various credit bureaus ( Equifax, XXXX, XXXX ) which has had a severe negative effect on my ability to obtain personal loans for the continuance of my education. It has been stated on a recorded line by Equifax that it can be visually seen that the information is reporting incorrectly, but nothing will be done. This is in violation of consumer laws with the FCRA for " Treatment of inaccurate or unverifiable information. '' It states that If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I have requested XXXX to correct the account, but that has failed. At this point, the account should be removed. I paid the account in full and was informed that the account would be closed after the last payment, but it was not. There was a random {$0.00} applied to the account from XXXX months later which further delayed the closure of the account and the continuation of reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

I currently have active fraud alerts for all XXXX credit bureaus. Equifax is the only bureau that continues to fail at protecting my credit and consumer profile. I have called and spoken to useless unhelpful people, and I have submitted several disputes about fraudulent inquiries that continue to be mishandled. Each time I speak to someone there are new requirements to submit and have reviewed- just for the same exact outcome to happen. No one has properly reviewed this or it would be verified AS FRAUD because IT IS FRAUD!
Product: Credit reporting, credit repair services, or other personal consumer reports

Information for Capital One and XXXX XXXX credit cards are not being reported correctly every month which is effecting my XXXX XXXX. Capital one is current with no balance. Balance for other credit cards for XXXX XXXX are incorrect.
Product: Debt collection

There was a XXXX XXXX XXXX mobile phone Bill, that was My Ex wives, some how they attached my social security number to this outstanding bill, This Was XX/XX/2006, the total amount due was {$1900.00}, Kirschenbaum & Phillips threatened to sue and place a judgement against me. They took me to court, I agreed to pay the {$1900.00} in installments, I got sick couldnt make the payments, Somewhere in between there is this company XXXX that now has the default judgment, I was never notified, so now Kirschenbaum is saying I owe them {$4300.00} I contacted them and I was told they have received {$1000.00}, so I told them I would give them {$900.00} and that would be the original {$1900.00} that was owed, the will not settle for less {$3900.00}
Product: Mortgage

Very simple : " JFK Financial '' at XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( phone number XXXX XXXX XXXX ) was entrusted with my XXXX and XXXX tax returns and additional financial information for the purpose of reviewing mortgage possibilities. Two gentlemen, first names XXXX and XXXX, were given that information by me in the XX/XX/XXXX. I went to inquire in XX/XX/XXXX ( when I was more ready to purchase a home ) as to my information in an effort to understand what I would be approved to get in the way of a loan ; those two are gone ... ... the files are gone ... ... ... ... .JFK personnel told me they " THINK '' THE INFORMATION WAS SHREDDED. 

My complaint is : identity theft is REAL, financial data was entrusted to them and they have, at best, mishandled it. All I ever wanted, asked twice for it through XXXX and from desk secretary the last week in XX/XX/XXXX, was/is : an apology statement from an officer of the firm saying it was shredded and any identity theft issues, should they arise, might be attributed to their negligence. That's all! 

It seems to me that, at a minimum, your office should reprimand and/or fine them for this negligence. As of this writing, I have heard NOTHING from JFK regarding this matter. Their arrogance and incompetence is an issue for you to address. The AG of NV has this complaint and soon the NV Mortgage  Lending Division will as well. I implore you to investigate the mishandling of information and JFK 's failure to acknowledge such and to apologize for same. 

Thank you, XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX cell