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

In XXXX I opened an account with XXXX, both to manage my personal XXXX holdings and to support a XXXX related business I was building. I was able to open and use a merchant account, and used the Coinbase XXXX to process XXXX subscription payments for my business. 

In XXXX of XXXX my business had grown a great deal, and I had a number of recurring subscriptions to my service set up through Coinbase. In order to stay compliant with all the rules regarding identity, I updated the address information on my account, as I had moved from one state to another. This update triggered an automatic review of my account that has not been completed to this day ( XXXX XXXX XXXX ). This review process suspends all activity performed via the XXXX ; that is, all of my subscriptions were now unable to be processed, and new customers were unable to start subscriptions. 

I requested support from Coinbase, but this ticket has never been responded to. The net result of this long delay is all of my monthly customer subscriptions through Coinbase have expired and can not be renewed ; reducing the revenue stream of my fledgling business, causing confusion among my customers, generating additional support load for my business, and requiring development time to move to another XXXX.
Product: Credit reporting

I do not owe a creditor having this name. 
This is not my account and I do n't know why I have a credit to them starting XX/XX/2016. 
Credit Items XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

On XXXX, XXXX I tried to open a Checking Account at XXXX XXXX XXXX in XXXX, IN and was denied! They let me open a savings account but because of ChexSystems " Notice of Adverse Action I was unable to?? XXXX said to contact ChexSystems and I got someone that could hardly speak XXXX and she had no desire to help, hung up on me! My Bank said has nothing to do with Credit Score as they do NOT even look at that! What do I have to do to get this Checking Account open?? XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/2011, I completed my schooling and began paying back my loan with Wells Fargo. The original loan amount was {$10.00}, XXXX. I have been paying on this loan now for approximately 8 years and the amount has increased instead of decreasing. My current payoff is about {$12000.00}. I contacted the company to see if they would accept a lesser amount to pay it off and they would not do it. I have already paid approximately {$9000.00} dollars. The company should be willing to accept a payoff in the amount of {$5000.00}.
Product: Credit reporting or other personal consumer reports

TransUnion refuses to conduct a proper investigation of my dispute with XXXX XXXX XXXX. Ive for the purchase agreement as I have been in agreement with XXXX XXXX XXXX. Please provide me with evidence I have requested to provide me with the method of investigation. Who did they speak with, how did they communicate via email, telephone or by USPS. What day/time did the communication take place. This was never provided. 

TransUnion always sends me a result of verified and updated. TransUnion send results of things deleted but never specify what was removed. 

I believe they continuously violate the FCRA by not doing a proper investigation. Investigations last more than thirty days as well. 

Please investigate TransUnion and their practices. Please remove this account from my credit report
Product: Mortgage

My fiance and I purchased a home together in XX/XX/XXXX. The taxes on the sale were paid properly. However, there was an issue with the payment for the second half of XXXX property taxes. I got a delinquent tax letter from the city of XXXX and called XXXX XXXX, my mortgage servicer, about it. I sent a copy of it to the email directed on XX/XX/XXXX. On the phone, they let me know that the taxes had been paid XX/XX/XXXX. However, that was not accurate, as I later learned XXXX repeatedly attempted to pay the taxes late, but did not include the late fees. I informed them in the email that per the XXXX city tax portal, the last payment was in XX/XX/XXXX. I sent several emails and called repeatedly, receiving various answers. On XX/XX/XXXX, I received the answer that they couriered a check to beat the tax sale. However, I got a letter and forwarded it to XXXX on XX/XX/XXXX. The letter said that on XX/XX/XXXX the tax lien was sold. When I doublechecked the previous response, I found that the courier had arrived with the check on XX/XX/XXXX, the day after the tax sale auction was held. I requested confirmation that the issue had been taken care of, but received no response, except for an automated email on XX/XX/XXXX that said my taxes had been paid. Apparently, that was the regular payment for XXXX taxes. 
I recently received a letter from the law office that bought the XXXX. I have called twice, XX/XX/XXXX and XX/XX/XXXX, and forwarded the letter to XXXX on XX/XX/XXXX, but have not received a response yet. So far, the amount owed has risen from about {$1800.00} to over {$2400.00}, and the lawyers have not filed paperwork for the case yet, which they are entitled to collect on. At this point, Im actually concerned that the mortgage company would keep failing to pay the owed property taxes until after the foreclosure hearing and we would lose our house. If I dont hear from them very soon, I will need to pay the tax bill out of pocket and try to recover the amount from small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, The credit reporting company Equifax had 30 days to investigate the inaccurate information on my credit report. They received my letter on XX/XX/XXXX as confirmed by USPS in the attachment below. According to the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), the bureau would have had 30 days to verify the inaccurate account on the credit report. Today is XXXX XXXX XXXX. Since the credit bureau could not verify the information within the 30-day time period, they must delete all of the disputed accounts from my report. 
I have notified them that they must remove the item immediately and still have not received a response. 
I have also notified the company that if I do not receive a revised credit report, free of charge, with the items removed at my correct address, I will pursue my legal rights with an attorney under 15 USC section 1681n or 1681o Civil liability for willful noncompliance and that their credit bureau may be liable for : 1 ) actual damage I sustained by their failure to delete the items 2 ) punitive damages as the court may allow 3 ) costs of the court action, plus attorneys fees I demand that all the disputed accounts on the account be deleted immediately because they could not verify the inaccurate account in a timely manner violating the credit repair act, and because the account is unverifiable. There is no way to verify the information on a frozen/opted out XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX so if they claim they have contacted these companies for the account in question, they are lying because it is unverifiable. I have receipts from each of these companies proving my account is unverifiable therefore they must delete the inaccurate and unverifiable account. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been grossly violated. There is NO LAW that states that they are required to report derogatory items to a consumer credit report or file and 15 USC 1681s-2 ( 7 ) ( E ) very plainly and clearly states that. These companies do this anyways to coerce and extort you by threatening your financial reputation and causing undue strife and mental anguish preventing me from obtaining credit that it my right and regulated under Federal law!

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to ensure the accuracy of the information given by XXXX XXXX before furnishing it. This very clearly shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXXXXXX to furnish any late payments to my consumer report. It is my undoubted belief that due to XXXX XXXX 's business relationship with the consumer reporting agencies, ( such as Equifax, XXXX, XXXX ), these CRAs literally parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. They have come up with an elaborate scheme to con consumers out of their hard earned money through fraudulent practices and not only is this literally extortion this appears to be racketeering and I intend to file criminal suit against ALL PARTIES involved in what transpired under the RICO act which is punishable by law up to 20 years. I'm a litigious consumer and have no problem exercising my rights to the fullest extent.
Product: Credit card or prepaid card

XX/XX/2018 - I always loved XXXX and bought all my furniture there in the past.

This time dealing with the XXXX XXXX furniture department has been an absolute nighrtmare. Not only the buying experience in the store and the mistakes made with the delivey dates, hours, measurement and color mistakes - but now they are charging me more than {$900.00} for purchases i returned. I made several purchases of furniture that were RETURNED to XXXX XXXX. They are still charging me for furniture that has been already returned or for fraudulent charges - as they can not provide, as of this date, any documentation or invoices of what they claim I owe. 

I am a XXXX XXXX XXXX and have wasted HOURS of my time trying to resolve this. 

i have now been on the phone with XXXX Furniture Department for several hours. XXXX is not resolving this and has threatened to release the call. I insisted that they put me thru to the supervisor and am now on hold waiting once again. They keep sending me back to XXXX XXXX - this is not a real XXXX card. 

I can not access any details of purchases on my XXXX account on-line - it states there is no order history. Completely non-transparent. There are no sales checks, dates of purchases that I can access. They are charging me for 2 separate special offer amounts of a 0 % charge with different dates. I will be happy to provide any details and amounts, but since i want to publish this publicly i prefer not to add those details to this complaint.

I only owe the most recent one in XXXX - I kept the sofa and chair and it is sitting right here in my living room. All the other furniture has been returned. They have confirmed that all the other furniture has been returned and they are claiming that they reimbursed me completely for it. Then they said that there erros were on their part, that they didn't completely refund me all the amounts. Then they said that they completely reimbursed me so I will not get my money back. For what? I clearly asked on the phone if they can provide me with ANY DOCUMENTATION whatsoever to prove that I owe them the money. They said can't. 

This is an outrage and illegal. I am on the phone and XXXX 's is not resolving AND XXXX is saying they can not resolve it. The call has been recorded. 
The representative, XXXX, has now stated that I don't have the right to record " us '' ( our conversation??? ).

I asked clearly for the documentation - any invoice, any salesbill, any evidence that I owe the additional promotional amount of nearly {$900.00}. She can not provide me with any evidence. This has has taken up hours and hours of my time and is clearly in violation of U.S. law.

I have no clue what the 2nd promotional offer with a different date and a balance of nearly {$900.00}. There is no paperwork trail. They can not tell me what it's for. I can not access the information on my account. 

Please help me. They now put me thru to XXXX customer service, which I already spoke with ( a rep in the XXXX, here in the U.S., many times ) and she states that she has to do a thorough research - which I have been on the phone for hours doing the very same thing.
Product: Debt collection

During the months of XXXX XXXX. We received a letter from LCS Financial sending a demand for payment on the second mortgage loan that was charged off in XX/XX/XXXX. The letter referenced LCS Financial was collecting the debt for XXXX XXXXe company who was listed as the servicer for the loan. 
Since LCS couldn't provide any documentation that actually provided that XXXX XXXX was the actual servicer of the second mortgage loan, I ask for additional information from LCS. 

On XX/XX/XXXX I received an email from LCS and they reference they were in receipt of my dispute with them and they wouldn't be providing any more written correspondence or documents. See a copy of the attached email from LCS. 
I kept requesting and no information was provided by LCS. 

On XX/XX/XXXX, I received a demand letter from LCS and they continued to reference XXXX XXXX as the client they are collecting the debt. see attached letter. 

So on XX/XX/XXXX, I send a QWR to XXXX XXXX which outlined my request to confirm they actually were the servicer for the second mortgage. Please find a copy of the QWR request. As of XX/XX/XXXX. No response. Please find attached the receipt of the OWR and when it was signed for by XXXX XXXX.USPS certified letter was delivered. 

On XX/XX/XXXX I received an email from XXXX XXXX XXXX asking me and LCS Financial, to provide the following : A copy of the title report showing the lien is outstanding and also the following information. 
Please also provide copies of the recorded Mortgage, Assignments and any payoff information you may have, such as a copy of the payoff statement and/or the HUD1 Settlement Statement. This will help with locating the account in our records. 

This last request was very upsetting since if in fact, XXXX XXXX   was actually our servicer, wouldn't in fact, they should already have this information in their system? Please find attached a copy of my XXXX account that references this email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is violating my federally protected rights and reporting misleading information I have not given them permissible purpose to use & furnish my private personal information also The US BK CT-XXXXXXXX XXXX XXXX Did not furnish the information therefore it can not be verified as accurate stating that the information is verified is fraud and misleading and is a violation of federal Law. instead, you infringe upon my privacy rights. Lexis Nexis is also committing FORGERY by telling me in a letter that the Bankruptcy court reporting this Bankruptcy account on my credit report, when the Bankruptcy Court sent me a letter saying they do not report to the CRA 's ( Credit reporting agency ). I am telling Lexis Nexis to delete this bankruptcy account off my credit report immediately. I am asking for monetary damages for the violations and defammation of character that they has caused me and my family of {$5000.00}.
Product: Mortgage

On XXXX/XXXX/2016 I was pre approved for a home mortgage ( FHA ) by Sunbelt Lending Services after presenting all requested documentation. So I move throgh with my broker for home inspection, we needed to fix couple things on the desired house as well after inspection and I had to pay for the appraisal. Everything went well, house was fixed, appraisal approved, tittle company with my deposit in approved also the house. So far everything was ok till I received a phone call by the lender saying that his investor was not confortable and he needed at least 25 % or 30 % as down payment. Pre approved loan down payment was 5 %. 
It was told since the begining for the lender that maximum down payment would be 5 % and my biggest concern is that he let me go up to the end, paying off the fixing, inspections and appraisal. It really feels like bait and switch. 
After that I and my broker asked him to send a denial letter accordingly and he would not pick up the phone or reply our emails for 3 days. After that I could get him on the phone and he emailed the denial letter, but only saying that I have not sufficient funds! Which is not true. It occured because he changed his propose after everything. 
So far I expent over {$1900.00} ( inspection, appraisal, fixing, accountinh services ) and still fighting to get my deposit back from the title company. 
Lender said that he would give me what I expent as a credit for an upcoming application. But honestly I will never do it again with this lender and would never recommend their services for anyone. XXXX XXXX XXXX was the loan senior officer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I filed a complaint against a debt collections agency " XXXX XXXX ''. During the XXXX XXXX, I was going purchase a vehicle. after the auto dealership check my credit report, the car dealership " made me aware of a newly added collections to my consumer credit report. 
I checked my credit report and seen, for the first time, XXXX XXXX added a collection to my credit report. I called this debt collections agency, and the representative said initially, they have called me several times, I asked wat number they called, and a completely different number from mine. then I was told they ( XXXX XXXX ) had been sending me notifications of this debt since XX/XX/XXXX to my address here in XXXX XXXX XXXXXXXX, XXXX that's impossible, I just accepted a work relocation here the middle of XX/XX/XXXX, ( No one ever contacted me, prior to ruining my credit, my score dropped XXXX points ) I asked what I need to do to get this removed from my credit report as soon as possible? The manager of XXXX XXXX informed me, to pay the arrears and they would have this collection removed immediately ( well as you can see, that was another false statement, I'm still struggling with this. WHO PROTECTS XXXXXXXX XXXX  FROM IRREGULAR BUSINESS PRACTICES LIKE THIS???? 
1.No one ever contacted me about money owed XXXX. XXXX NEVER tried to contact me, they simply added this collection to my report, KNOWING WHEN I TRIED TO GET CREDIT, I WOULD CONTACT THEM, THIS IS AN ILLEGAL BUSINESS PRACTICES XXXX. I PAID THE {$1400.00} AND XXXX XXXX, DIDN'T HAVE THE COLLECTIONS REMOVED, ANOTHER LIE XXXX. I SUBMITTED A COMPLIANT WITH XXXX AND THEY SIMPLY AGREED WITH XXXX XXXX, WHERE'S THE JUSTICE? IF I HAD KNOWN THERE WAS A COLLECTION, I WOLD HAVE PAID IT PRIOR TO RUINING MY CREDIT REPORT
Product: Student loan

I have been in " limbo '' now for 4 months with Fed Loan Servicing over the renewal of my IDR Plan ( PAYE ). I have been in the PAYE plan for roughly four years prior to this and while I did miss my re-certification date I did end up ( after XXXX applications ) finally getting one through that was in good standing to Fed Loan Servicing. I sent my online request for renewal for ( PAYE ) with an attached IRS document provided from the online service. 

I called in after receiving a letter stating I was approved for my IBR Plan confused as to why it was not PAYE. I was told by a servicing representative and a supervisor that I was indeed on PAYE for the past 4 years and they were not sure why it was placed into IBR. At one point they said the account was notated as the borrower having requested IBR that was proven false when my online application was pulled and I did indeed indicate that I wanted to " RENEW MY PREVIOUS PLAN '' - PAYE. 

I was told during the call above that the account would be looked into and my issue would be resolved. For reference my re cert date was XXXX of XXXX and it is now XXXX of XXXX. I informed the agent that I could not afford the $ XXXX+ payment monthly and that the reduced payment under PAYE was what I was able to afford and had been paying up until XXXX of XXXX. 

About three weeks later I had received no word back from Fed Loan Servicing and I had gotten a letter stating I was now ineligible for PAYE based on underlying loans in my consolidation and that is why they placed me on IBR. They then told me to go to REPAYE for a reduced payment but under REPAYE I will now have to wait an additional 5 years for loan forgiveness. I can not afford my IBR payment and feel penalized and miss informed. I was able to make my payments under PAYE for the last four years successfully and had minimal issues. Now due to miss information and bad handling of my account I am being penalized and forced to use Forbearance after Forbearance ( dating back to XXXX and capitalizing over {$7000.00} of interest ) to cover my payments while I wait for a decision to be made. 

I am not only submitting this complaint here I am also drafting a formal version to submit to PA Lawmakers and the Governor XXXX XXXX. At every stage of this process I have felt under informed and at a disadvantage from the time I was told to consolidate to qualify for the IDR programs to the moment I was told I am not longer to PAYE.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
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

Fraud a person hacked into a Friends account and requested funding I ask to for refund and to dispute it they claim no foul play was done on cash app