23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My home was damaged by Hurricane Harvey and Select Portfolio Servicing ( SPS ) has received significant insurance proceeds. The home has been completely restored in better condition than before storm ... all funded from my personal resources. All documents have been provided to include adjusters reports, contract for repairs, lien waivers, contract ( paid in full ), etc. County appraisal documents were submitted showing the value of the land alone is 3X the small amount owed. Inspections have been performed with with inaccurate completion representation and even with those inaccuracies the corresponding money is still not being released. The repairs are 100 % complete noted in recorded phone calls from weeks ago and still SPS delays in scheduling an inspection I assume for the sole purpose of delaying release of MY money. In addition to CFPB I am utilizing every contact known to me to initiate a Congressional Inquiry into SPS Servicing practices which will hopefully uncover a pattern of deceit and fraud. 

Attached are demands for inspection and release of money. The initial check to reimburse me for repairs took months to receive. I worry about those that don't have the resources to fund the repairs out-of-pocket. 

Additionally, I have attached a Qualified Written Response sent over 6 weeks ago for answers to very specific questions related to the servicing of my loan that SPS obviously chooses to ignore. I have received neither the confirmation of receipt letter ( 5 day requirement ) nor response ( 30 day requirement ). How is it these non-financial institutions can simply ignore legislative mandated regulatory requirements?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed for my entire information : SSN, DOB, DL #, address, credit card information, etc. to be accessed by parties not entitled to the information. My entire equifax history is now part of the hacker world with complete access to anything they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to report accurate information on my credit report which is a violation of 15 U.S. Code 1681 as this is unfair and unlawful. I have been affected for over XXXX  years and this may be discrimination. This company has failed to comply with FTC and is at the fault for being noncompliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAKING THIS COMPLAINT FOR MYSELF. THERE IS NO THIRD PARTY INVOLVED. 
my name is XXXX XXXX and i am a victim of identity theft. 
My consumers report has all of these fraud inquiries and addresses. 

Below i have attached my id, ssn, ftc report, and proof of address. 
Remove all of these fraudulent inquiries and addresses that dont belong to me. 
I have also mailed the bureas a copy of these documents as well. 


UNAUTHORIZED INQUIRY : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a letter from XXXX XXXXXXXX XXXX, which is a debt collector for a debt that was owed to XXXX XXXX XXXX XXXX This letter states that as of XX/XX/year> the balanced owed to XXXX XXXX XXXX was {$270.00}. It also states that I the consumer either paid or was credited {$250.00} to XXXXXXXX. When They totaled the amount of debt owed now they did not subtract the {$250.00} credited/paid amount from the original amount owed of {$270.00}. Instead they added the credit and the amount owed and is now incorrectly reporting that I owe {$520.00}. According to 15 U.S.C 1681 ( part of the Fair Credit Reporting Act, I the consumer can dispute information on my credit report if I believe it is inaccurate, and the consumer reporting agency must then investigate and correct the information if found to be incorrect. I am asking that this account with XXXX XXXX XXXXt either be deleted for reporting inaccurate information.
Product: Bank account or service

on XXXX/XXXX/2016 I used the ATM machine to deposit cash something happened that the only deposit credited to my account was {$680.00}. {$1200.00} was credited to another account, the transaction between the receipts attached are only 3 mins apart. I asked my bank to help me solve the issue but the branch manager 's reply was " you picked up another ATM receipt trying to get credit for money that is not yours ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identifying personal information ( e.g., name, address, SSN ) is at risk to be stolen and for identity theft from now until the day I die due to Equifax 's security breach. 

Equifax stored my information, and hundreds of millions of others, without asking for anybody 's consent and did n't maintain a secure enough system to guard our personal information.
In addition, the U.S. government itself allowed social security numbers to  act as personal identification numbers even though these two concepts are n't the same at all. It is a nightmare to get a new number issued, but it is imperative to have one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is doing their normal delay tactic. You all know the current administration is stopping you from investigating Student Loans and their servicers. I'm currently in the process of the disputing the validation and verification of debt with XXXX and XXXX. I sent in paperwork in to the CFPB describing my request. Please see my history. 

After XXXX and XXXX did not provide me with the request Promissory Note for the loans ; in addition, to certified documents of calculations stamped by a notary. I sent mail to the credit agencies to remove this information off my credit report. I sent XXXX, TransUnion, and XXXX the entire paper trail of when the I requested this information from XXXX and XXXX. 

The paper trail consisted of certified mail letters that started on XX/XX/XXXX. This information was sent directly with XXXX and XXXX. Now the credit agencies would get a verification that really never takes and say contact XXXX and XXXX directly, so I did that first then provide the credit agencies with the paper trail along with certified letter numbers : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX Here is the confusing part. I CURRENT USE XXXX MONITORING SYSTEM to monitor my credit report. However, once I sent in this information to remove these loan off my credit report, now they can not locate my credit file ... My use name in there I system XXXX and the pull report at lease twice a month. I have attached the delay letter they sent me and I will attach a copy of my credit report XXXX. 

Here is a suggestion, if you are having issues with getting information from the Department of Education then I believe you hold the credit agencies liable for publishing this falsified information from XXXX XXXX XXXX especially after the have been provide all of the paperwork of communication directly with the servicer and the servicer has not delivered on within the time frame and provide false document mentation. 

Please the letter XXXX sent talking about they can not locate a credit file within there system with information I sent in regards to name and address ; however, you see on the XXXX  report SHOWS MY NAME THE EXACT SAME ON THE CREDIT REPORT FROM THE THEIR SITE ALONG WITH THE ADDRESS ... Please investigate them ASAP. Again have attached my report XXXX along with mail I received from them stating they could not find my file. 

Also, see the last complaint I made to the CFPB about XXXX and XXXX. The history of communication is on the site. I do not have agreement with XXXX or XXXX, so please remove the accounts.
Product: Credit reporting or other personal consumer reports

I had three cd accounts that I paid and full and close but I dont see anything showing that I did it still showing as opened on XXXX XXXX  and on TransUnion. Can you verified it and update it and send me a updated report for me to confirm
Product: Credit card or prepaid card

In XXXX this year, I received from USAA savings bank, a form XXXX, saying that they had cancelled my debt of {$3500.00}, and requiring me to report it as income to the IRS on my tax return. I reported it as income, as required, but USAA is still reporting the debt of {$3500.00}. This is unacceptable and annoying. How can they be reporting a {$3500.00} balance when they cancelled the full amount of the debt? On XXXX XXXX, XXXX, USAA received my dispute that I sent them through the mail, and today, XXXX XXXX, XXXX, I received from USAA the results of their investigation, which is that they claim they are reporting accurate information to the credit bureaus. When I sent XXXX a copy of the XXXX, they updated my report to having a XXXX balance and paid/closed, which is the correct information. XXXX and XXXX wo n't do the same thing. I am considering filing a suit against USAA for inaccurate reporting.
Product: Money transfer, virtual currency, or money service

Hello, I would like to report a complaint related to the Coinbase ( Coinbase XXXX  , Inc. ) cryptocurrency exchange platform. They refuse to refund my crypto funds. I faced a problem of accidental transferring my XXXX  crypto funds from the Coinbase Wallet directly to XXXX  address in Coinbase Exchange and my money got stuck/was lost ( not showing in my portfolio balance ).

The thing is, - I successfully sold my NFT item on XXXX XXXX and the money showed up in my account ( Coinbase Wallet ) as XXXX instead of XXXX  so I assumed they were interchangeable. 

At the beginning, I didn't even assume that the cryptocurrencies must be manually converted and XXXX/ETH are completely different cryptocurrencies and it's possible to wrap XXXX from XXXX ... It was all new to me ... 

I used only their Coinbase-related services ( Wallet and Exchange ) and transaction hash shows that it is successful, providing the link below : XXXX XXXX XXXX If you check my XXXX ( to which I transferred my lost XXXX  funds ) using XXXX  link above, - you can clearly see that it actually holds my money.

This means that they have not disappeared and are actually stored in this XXXX XXXX that is controlled/owned by Coinbase.

But Coinbase tech support keeps telling me that : " Cryptocurrency transactions on the blockchain are irreversible, meaning once they are sent, there is no way to recover funds. ".

However, XXXX  is an ERC20 token so they should be able to access it from the Ethereum wallet address I sent it to. ERC-20 tokens ( XXXX  ) and XXXX  use the same addresses so they can be recovered. The Ethereum chain supports ERC20 tokens.

XXXX XXXX  address is a valid ERC20 address, meaning I can send any ERC20 token to it. The coins I sent would technically be sitting in a wallet that Coinbase controls.

I've already tried to contact them privately and solve my situation through their tickets ( # XXXX  and # XXXX  ) and even using social media such as XXXX : XXXX XXXX XXXX This wouldn't be acceptable for any other financial institution, they hold my funds in a wallet and refusing to return them. 
I'm also ready to pay a fee for a refund from my side. 

I really hope that you will help and support me here. 

Looking forward for your feedback. 

Thank you in advance.
Product: Credit card

Notice of fraudulent unauthorized transaction. 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 Was not authorized by me As this had caused my credit score to suffer
Product: Debt collection

XXXX is unlawfully attempting to force me to pay for a tire that I dont have. I have contacted XXXX XXXX and XXXX to resolve this matter. I returned a wheel to XXXX XXXX back in XXXX because its was for a big truck and not my XXXX  and therefore could not be put on my XXXX. XXXX XXXX lied and said the tire was mounted. I explained to them that it did not fit and it was not mounted. XXXX XXXX refused to send a new tire and refused to remove the charges. All they sent was a picture of a damaged tire, this is not the tire I had, my tire was NOT used at all!!! Ive asked XXXX to investigate and all I get is the runaround. They are taking XXXX side and really trying to steal from me and damage my credit. I am being bullied by these companies. They are casually ignoring my requests and are taking advantage of me, the consumer. Now, this unowed amount is on my credit report!!!! I do not have the tire and did not damage it. The tire I received was not used and was sent from me in perfect condition. I do not owe this debt at all. Experian needs to remove the negative reporting immediately!!
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Mortgage

I reached out to my mortgage holder ( NewRez ) in XXXX of this year XXXX to request that they cancel my PMI on my home loan. I bought the house in XXXX and have never missed o r even been late on a payment. NewRez sent me an notice in the mail in XXXX of XXXX stating that they cancelled my PMI effective XX/XX/XXXX and that I should receive " New payment information within 2-3 weeks from the date of the letter. '' I have yet to received a new payment and or new payment information. 
On XX/XX/XXXX I called NewRez " Customer Care '' and spoke to an XXXX and explained the situation, she said she saw where the notice to cancel PMI had been mailed out but could not explain why there was no change ( deduction ) in my monthly payment?
Product: Credit reporting or other personal consumer reports

It was stated that the information was verified by your company by FCRA Im questioning the method of your verification process Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported.

2. What certified documents were reviewed to conclude your investigation?

3. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. What did it cost your company to obtain the documents needed to complete your investigation?

5. Please provide proof of your timely procurement of certified documents.

6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7. If you reply yes to the above then : Who did you speak with?

What was the date?

How long was the conversation?

What was their position?

What number did you call?

What is the name of your employee that spoke directly to the above party?

What is the position of your employee that spoke to the above party?

How long has that individual been employed by your company?

What type of training was provided to this employee in order to investigate items of this kind?

Were there any e-mails or written communications between employees of your company and the above party?

8. If so, please provide copies of all correspondence and copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account ( s ) in question.

9. Please provide the date of the commencement of delinquency.

10. Please provide the SPECIFIC date reporting of this item will cease.

Enclosed with your response to the above questions, I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.

My initial dispute was detailed and directly related to the accounts ) in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge or accounts. 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. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ones with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance {$170.00}, XXXX XXXX Balance {$2000.00},, XXXX XXXXXXXX Balance : {$7600.00}, XXXX XXXXXXXX Balance : {$2500.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my Equifax credit report and noticed that I have these inquiries. I have previously asked/disputed ( 2 ) times for these hard inquiries to be removed. I have not received any documentation providing any information regarding these inquiries and since this is this the case, I hereby request you method of verification for these inquires on my credit report ( both hard & soft inquiries ). You are required to have documentation providing my consent and permissible purpose. If you lack these documents, I ask you to delete these immediately. This is not a dispute ; this is a request for your method of verification.

- Must I remind you that : According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court ordered or requested by a state or local government agency in relation to child support.

Incorrect Personal Information Previously disputed. 
- I am requesting that you delete these inaccurate inquiries from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Unrecognized/ Authorized inquiries previously disputed. I now ask for your method of verification for these. Either furnish proper verification or delete these immediately. 
- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Lastly, be sure to include the name and address of the Company or individuals who were directly contacted in regards to this matter. 

Former Address 1 : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 2 : XXXX XXXX XXXX XXXX XXXX, IN XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX This letter was sent Certified mail / Return receipt requested & Notarized. Litigation will be pending based on your actions per this letter. 
Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received two AMEX virtual gift cards in XXXX, XXXX  each in the amount of {$200.00} and have made several attempts to use them for online purchases. Since none of them would go through and all were declined, I called the customer service department of AMEX at # XXXX for help. I was told that both of the cards had sufficient funds on them and that there were no problems with the cards. When I asked for physical cards to be sent to me instead, I was told that they could not do that. When I asked what other remedy I had, they stated that I just had to keep looking for merchants who would approve the transactions. When I asked to speak to a supervisor, I was transferred to XXXX. She explained that there was nothing they could do, that I had to continue trying to use the cards online, and that they MAY go through, and that they MAY NOT. The reason given has always been that they have added an extra layer of protection and that is why the transactions are being declined, but they do not have any remedy in place for those virtual cards that do not work anywhere, even though they claim they work everywhere AMEX gift cards are taken. XXXX also stated that I could go into physical locations to use the virtual gift cards, but no one will take them because they would have to " key in '' the card number - there is no bar code to scan. So, they take the money, place it on a virtual card, and then the money is unable to be used anywhere -- and their customer service is of no help because they just tell you that there is nothing that they can do. It would be great if they could issue physical cards, but they refuse to do so.