23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding XXXX XXXX XXXX Failure to Investigate Fraudulent Accounts and Reporting of Inaccurate Information Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX for their failure to properly investigate fraudulent accounts attributed to my name and their continued reporting of inaccurate information to credit reporting agencies. 

The fraudulent accounts in question are as follows : Account Number : XXXX ; Amount/Value : {$3600.00} The details of my complaint are as follows : These accounts are not mine, and I have no knowledge of their origin. Despite this, they have been reported as closed or charged-off with balances, causing severe harm to my credit report. 

To address this matter, I provided XXXX XXXX XXXX XXXX with all necessary documentation to prove my identity and substantiate the fraud claim, including my FTC Identity Theft Report, a police report, and an affidavit of identity. 

I was informed that the issue was being handled by their legal department ; however, no meaningful investigation has been conducted, and the fraudulent accounts remain unresolved. 

This ongoing inaction is a violation of the Fair Credit Reporting Act ( FCRA ) and has caused me considerable financial and emotional distress. 

I am requesting the CFPB 's assistance to ensure that XXXX XXXX XXXX XXXX : Thoroughly investigates these fraudulent accounts. 

Removes the inaccurate information from my credit reports. 

Resolves this matter promptly and prevents any future harm to my creditworthiness. 

Enclosed with this letter are copies of all supporting documents, including : FTC Identity Theft Report Police Report Affidavit of Identity Correspondence with XXXX XXXX XXXX XXXX Thank you for your attention to this matter. Please do not hesitate to contact me if additional information is required. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

This complaint is a restatement of the fact that Ocwen Financial Mortgage refused to acknowledge any court documentation, subpoenas or correspondence from their lawyers XXXX XXXX XXXX to my lawyers XXXX XXXX and XXXX XXXX of XXXX, Ohio. All of these legal forms were submitted from attorneys with loan numbers and the XXXX County Court of Common Pleas seal at XXXX.
Ocwen assigned XXXX XXXX of the Florida location who demonstrated no interest to the correspondence from CPFB and closed the case with a letter stating there was no lawsuit against me. The paper work indicated that XXXX XXXX XXXX owned by XXXX XXXX  had assumed mortgage assumption and refused to pay the bank for the property. I presented the contract and I was sued by Ocwen.
Finally, I was responsible for the legal fees, the homeowners insurance, the utilities and up keep of the property as this suit remained in court for almost two years. I have records of the amount of monies that I spent at XXXX XXXX XXXX XXXX, Ohio parcel # XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I called CFPB a few days ago concerning Amscot payday business.I missed CFPB call back but got the voice message. 
The representative told me refusing to provide signed copies of the loan contract at the time of the transaction is a violation of federal law.

Amscot only gives unsigned copies to borrower 's.

I am a XXXX old. 
I have been locked in an endless cycle of monthly advances on my social security since XXXX. 
Every month I ask Amscot for signed copies.

They refuse.This is a corporate level policy.

There have been times I was intimidated.

A few months ago when I requested signed copies the manager asked " do you want to stop the loan? '' I stopped asking for the signed copies because I needed the money to get through until my next social security payment. 
I saved many documents with no signtures as well as interest rates more than XXXX percent. 
Since XXXX the documents as well as my own experience reveal exactly what payday lending is.It is predatory. 
Documents show the impossible curtailment of the rights of people trapped in these loans. 
If CFPB wants the unsigned contracts as far back as XXXX I will provide them ( I became a chonic customer in XXXX. 
I started collecting documents in XXXX ) as well as evidence of other practices that doom consumers to repeated reliance on payday lending with specific curtailing of consumers right. 
There are so many with different loan numbers I can't fit into the complaint. 
However I can scan them and send by email.
Product: Credit reporting, credit repair services, or other personal consumer reports

While Attending XXXX XXXX University back in XXXX  XXXX I was using what's called a G.I. Bill from the military to go to school. All of sudden the G.I. Bill stopped paying and never closed outstanding student loans.
Product: Debt collection

A Dentist made an appliance for my XXXX XXXX. He put it in my mouth and I said no this is horrible, I don't want it and gave it back to him. He contracted a debt collection company and they have put the collection on my credit bureau reports, trying to make me pay the fraudulent bill of {$2500.00} The Collection company is I C System Inc.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXX Phone : XXXX
Product: Credit card or prepaid card

To whom it may concern, On XX/XX/XXXX night time, and in the early hours of the XX/XX/XXXX, my credit card was stolen. I called on XX/XX/XXXX to report to Chase ( as the department is closed on weekends and only open from XXXX to XXXX EST ). I informed them of the fraudulent charges, and requested a new card. The charges were removed from my statement, and I was sent a new card. 

3 weeks later, in the beginning of XXXX, the charges were re-instated. I was surprised so I called back ( again on the next day, as the fraud department is only open until XXXX ), and the agent stated that the charges were determined to be " valid ''. This is not possible as I had already stated that the card was stolen. So, I opened another fraud case. I was told that this may take 10-15 days to resolve. My statement date is prior to the 10 days. I informed them of this, and they asked me to partially pay the payment! That is ridiculous. The charges are for numerous purchases that are typical of stolen cards : multiple XX/XX/11 's, convenience stores, XXXX XXXX, etc. These all took place in the middle of the night. I was staying at a hotel that night, and was already in bed. I can provide proof of my hotel stay if needed. I'm sure the hotel has footage of me returning into the lobby as well. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to XXXX, Equifax, and XXXX there are inaccuracies on my credit report from XXXX XXXX  and they took over 30 days to investigate which is a violation to my rights.
Product: Credit card or prepaid card

On XXXX XXXX, 2017 I received an email from XXXX XXXX  about a new hard inquiry on my credit report. The inquiry was for a card from a store called XXXX XXXX. Attempted an email but no return as of this message.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, Equifax, and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; 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: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Mortgage

I tried to close a loan with QuickenRocket Mortgage, loan officer quoted rate and points for the rate and all was agreed to disclosed too and locked. A few days later I got a updated Loan Estimate with a higher origination fee blindly with no contact from the processor explaining why ( never had any contact with their back office via email, phone or app ). I called their Loan Officer to find out about the higher origination fee and on a recorded line he told me that it was a mistake not to worry about it and he would get it reduced back to what was agreed upon and a new disclosure sent out he also advised me not to acknowledge the LE with the higher amount so that is what I did. 21 days later right before the closing I am told I am sorry that the higher origination fee was correct all along due to a lien that was placed on my title without my knowledge. Clearly Quicken Loans new of the lien when the new LE was sent out 21 days earlier. When I called in to find out what the higher charge was about I was given misleading and incorrect information and that I did not need to worry about it. The difference is about {$3800.00} and to find out you owe an extra {$3800.00} in closing costs days before closing after the loan officer of record told you not to worry about it that it was a mistake and he would get it corrected seems like bait and switch. I tried to escalate all the way up to the CEO XXXX XXXX but they said there was nothing they could do. This seems very unfair and deceptive in nature and not how lenders are supported to act.
Product: Debt collection

This company keeps calling me about a debt that is over 8 years old. They threaten legal action in addition to threats of contacting my employer and any relatives they can find. 

Voicemail messages : ( in part ) XX/XX/21 XXXX XXXX " ... regarding an active order that been issued and filed against you. They have instructed me to contact your employer and speak directly with your supervisor ... once the case is discharged and filed, all of your legal rights to have this resolved will be voluntarily forfeit. Contact our legal office ... this is considered an official legal notice by phone. Until contact has been made, you will be located directly. '' XX/XX/21 XXXX XXXX " I am contacting you on behalf of judicial services. I've been instructed to contact your employer and speak directly with your supervisor as it does appear that will be likely a place of location and also make you aware they have issued an order to have you located ... '' XX/XX/21 XXXX XXXX " I've been instructed to get in contact with you in regards to the active order of location that is still in the process of being issued and filed against you. ... I do want to advise you that they're wanting to move forward with the original plan and have a new process of the premises of your employment or any relative homes that is listed in public record. ... This is considered your final legal notification by telephone. You can not say that you didn't have any prior knowledge of the case being filed. Further action will continue against you until direct contact is made. Good luck to you. '' XX/XX/21 XXXX XXXX A bunch of the same ... threats to locate my employer, my residence, and any relatives homes that have been listed in public record. 

They are calling my husband and I both during work. I have spoken to them. They refuse to mail me anything regarding the debt or give me the 'name ' of the business they are with, just that they are with 'judicial services '.
Product: Money transfer, virtual currency, or money service

We deposited USD dollars into our CoinBase account ( business account ) and exchanged it for some XXXX. We then moved most of our XXXX to our cold storage wallets. We later had our account with CoinBase frozen around XX/XX/XXXX and were told to verify our idenity which we did. We were asked to provide our XXXX and other business related information which we did. We were told that on XX/XX/XXXX our account would be unlocked. 

That time came and passed. We where later told that the business account that we had was in fact not a business account. That it was a personal account and inorder to make it a business account we would need to pay CoinBase XXXX XXXXXXXX. We declined and requested to move our assets off the platform. Our account was not unlocked. We called back a week later and where told to wait 7 more days. We called back again and were told someone needed some answers to some questions, and where emailed a questionnaire which we filled out and sent back to CoinBase and to be given 48hrs for the account to be unlocked. We called back again and where told that they could not state when our account would be unlocked. We then escalated our support ticket to a formal complaint with CoinBase and informed them that we needed our assets unlocked. We then were told to wait XXXX more days. Now we have been contacted asking us to open a business account and that they do not know when they can restore our account, we have told them again we do not wish to have any accounts with them, only wish to have our assets removed from there platform and wish to cease any business with them. We have been repeatably told by CoinBase that we need to wait 7 days to call in for them to say they have no ability to tell us when an account might be unlocked and that someone will reach out to us, for us only to have to call back in 7 days later for them to tell us that we need to wait another 7 days. We have waited since XX/XX/XXXX to be able to move/send any of our assets nor can we add any funds or withdraw any funds from our account as well. Our choice it appears is to wait an indefinite amount of time for the account to be unlocked or pay $ XXXX to them to now open a business account ( which we where told we already had one open with them ) to now open another with them and maybe in that regard have access to our funds. We have moved all assets and handling of our corporate assets to another company and cold storage wallets and can no longer deal with or wish to deal with CoinBase.
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 XXXXXXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : 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: Credit reporting, credit repair services, or other personal consumer reports

There is no means to unsubscribe from Experian XXXX XXXX emails. They are sending Marketing emails posing as Notification Emails. Registration is automatic in order to set up an Experian Credit Freeze. 

Example email : We found a XXXX XXXX  matching the address on your Experian membership. Confirm its your car to get started with free benefits like insurance savings, data on your car 's history, and estimated value. 

[ Email Footer ] : Why am I receiving this email? 
This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian XXXXXXXX XXXX emails in the past, dont worryyou no longer receive newsletters or special offers. 

You can update some alerts and communications preferences any time on your Experian XXXX XXXX profile, but youll continue to receive notifications like this one on the status of your account. 

To ensure that youll stay up to date on account notifications, XXXX XXXX to your address book and avoid marking these messages as spam.
Product: Credit reporting or other personal consumer reports

Synchrony Bank/Credit care XXXX XX/XX/XXXX I Notified Synchrony Bank about missing payment on my account, I Informed them that after viewing my bank account statements there were several undocumented payments, and I proceeded to give them the web transaction number for each payment dating back to XXXX of XXXX. I was asked by the representative to fax these documents to the Research payment department @ XXXX which I sent on XX/XX/XXXX through XXXX. I called on the following day Saturday and was informed by a representative that there were some interest adjusted back to my account but if I wanted to discuss the missing payment I would have to speak with a manager but during transfer the call was disconnected. At this time while going through my documents I discovered that some documents were missing during my transfer so I sent an additional fax from XXXX to the same location on Saturday XX/XX/XXXX of missed payments proof, afterwords I notified the company to discuss my account because I noticed a late fee was charged. I questioned this because I was told that the account would be on hold until the matter was resolved, the agent stated this charge was applied regarding the XXXX payment, I stated thats why I disputed my payments because Ive made more payments on my account than whats being reflected, the agent stated if the dispute is resolved in my favor the charge will be removed and from this point on the account is frozen and no additional actions will be taken on the account and my payment are on hold. On Sunday I received a call from XXXX my credit protection plan stating that there has been a drop in my credit score due to a credit line decrease. I checked my credit and Synchrony Bank/Credit care had decreased my credit line from {$3000.00} to {$640.00}. I call them Monday morning I spoke with XXXX to inquire the reason for the decrease and her reply was related to my credit report which she stated they had emailed to me. I asked the reason for the credit inquiry because I have been a customer since XXXX of this year, she stated inquiries are done every three months, I replied well its not time for an inquiry based on my time with youll and her reply was they do them every month ( corrections ), I then replied that nothing in my credit has changed since I applied for credit with you, everything is the same from the time I applied so I didnt see the reason for the decrease. Suddenly she stated that I was correct about nothing changing in my credit and if I disagreed I could file a dispute with the credit agency, I responded I feel my problem is with you directly and I wanted to have my balance reinstated because I feel it was a retaliation for the dispute that was filed, she said there was no way to re adjust my balance other than applying for a balance increase. I stated I was not interested in applying for a balance increase. And that my plan was to speak to a lawyer.
Product: Vehicle loan or lease

Dear Sir/Madam On XX/XX/2021 I paid off the full amount of total {$22000.00} loan to Global Lending Services XXXX Since then I requested for title release or title noting letter to be mailed to me. But I never received any letter or title. I call them every week and they claim I should receive a letter or title in mail by next week. This been going on for past six month. 

Lender physical Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Lender mailing address : Global Lending Services XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Lender title department phone # XXXX My name : XXXX XXXX My address : XXXX XXXX XXXX XXXX XXXX XXXX  My phone # XXXX
Product: Credit card

XX/XX/year> - received a XXXX XXXX ( XXXX XXXX ) charge card that I did not apply for. XX/XX/year>- received a letter from the issuing bank Citibank XXXX XXXX unit asking for confirmation that I was the one that submitted the application. I called the number provided in an attempt to inform Citibank that I did not apply for this card and I could not get through the automated prompts to speak with a representative.
Product: Checking or savings account

On XX/XX/23 Chime Bank advised that security restrictions were put in place on my checking account due to a transfer of {$1500.00} that I initiated from XXXX XXXX, which is my primary bank for funds. Chime requested multiple times over the next few days for me to upload the following information : Driver 's License, Secondary ID, Source of Funds, Rationale for Transfer, and a Selfie picture holding a piece of paper with the date and also one of my forms of ID. I provided these documents on several attempts through their secure portal. After repeated failure of Chime to release my funds, I asked for the account to be closed on XX/XX/23. Chime claimed that they would send whatever funds were left in the checking account to the address I have on file. On XX/XX/23, I received an email from Chime asking for the documents again, and I responded advising that I had closed the account and a check was to be mailed. I received a second email on this same date advising that before a check would be issued, the security measures are in place and must be resolved. I again uploaded the documents they requested with an additional proof of ownership of the XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX I advised Chime that I would be filing a complaint with the Consumer Financial Protection Bureau, and also have hired legal council to represent me in this matter.