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

Noticed my account was restricted from withdrawing funds and from adding payment methods & external accounts to withdraw funds in XXXX. All existing external accounts also were removed from my Coinbase account. 

I went through multiple rounds of identify verification on their support page by requested documents ( drivers license ). After identify verification, the Coinbase website indicated that my account was under review. 

After a couple weeks, specifically on XX/XX/XXXX, I reached to Coinbase support on XXXX ( @ coinbase ) to inquire about my account review since I have not heard back with an update. The Coinbase customer support rep on XXXX created a ticket for me with case number XXXX. The next day on XX/XX/XXXX, I've received an email saying buy/deposit/send services remain XXXX without any additional context as to why. They also stated I can sell/receive any cryptocurrency I have on the account and withdraw funds to my existing payment methods, however all my payment methods were removed from my account from Coinbase. 

On XX/XX/XXXX, I submitted another identity verification on Coinbase to start an account review yet again. I reached out to their support page on XXXX again to create a support ticket ( case number XXXX ). They mentioned a XXXX will conduct a review. At this point, I have around {$17000.00} in my account that I am not able to access. 
On XX/XX/XXXX, I reached out again to the Coinbase support account on XXXX. They replied saying their are still investigating. 
On XX/XX/XXXX, I received an email related to my support case, asking for my current location. On XX/XX/XXXX, I replied with my location as well as some additional context on my location ( I have XXXX addresses, my primary and secondary address ). 

I have reached out to support on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, each time they respond saying that I need to wait until my account has been reviewed. 

As of XX/XX/XXXX, Coinbase is allowing me to deposit funds but I am unable to withdraw any funds from my account! I still have around {$17000.00} in my account that I am unable to access.
Product: Mortgage

My request to remove my PMI ( mortgage insurance ) was wrongfully denied. The terms to remove the PMI were to have at least 20 % equity in your home. After 2 years of on time payments and the value of our house increasing we have reached over the required amount. I requested a new appraisal and had to pay {$450.00} out of my own funds for Freedom Mortgage to schedule an appraiser to come  out to get the new value of my house. The appraisal came back at {$240000.00} and I owe {$190000.00} so that puts me at 21.7 % equity in my home which would terminate the PMI of $ XXXX/month that I am paying. When I submitted this to Freedom Mortgage they denied my request to remove it and also could not give me a reason why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus multiple times XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX regarding XXXX hard Inquiries and XXXX car loans on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC Identity theft report. Placed credit on a fraud alert. I have provided to them all this information and copies of the documents as well multiple times. They have n't investigation as they are support to in cases of identity theft. Additionally there are collections that were paid that should be removed from the account. I am requesting this inaccurate account is removed from all three of my credit reports XXXX, Equifax, and XXXX Immediately! I would also like a letter and undated copy of my credit report once this has been completed.
Product: Credit reporting

I contacted Berks Credit and Collections and was told I owed {$63.00}. I paid them with my XXXX debit card and provided them with my new address. I then received a letter stating I still owed {$63.00} and the account still remains listed open on my credit report. This is not accurate. The account is paid in full
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed incorrect late payment entries on the following accounts : 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 Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy as the Fair Credit Reporting Act clearly says. I have NEVER been late on any of these accounts, and I did not give permission for this information to be reported. Please investigate this issue and provide proof showing that these payments were actually late and that I authorized this reporting. If you can not provide this proof, I need these records updated to show that all payments were made on time, as I have always paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the fraud department and informed them that these addresses are unknown to me and I have never lived in any of them, therefore they were fraudulent and I want them to be removed immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has violated my FCRA 611 credit reporting laws. TransUnion have violated my privacy rights. I requested a method of verification for 2 accounts TransUnion verified as accurate. TransUnion has denied my request to block and send me the method of verification request. I have sent TransUnion a Federal trade commission identity theft report and a letter asking to cease reporting on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i informed TransUnion this was my 3rd attempt asking for verification request from TransUnion and Everytime they do not do a proper investigation and send me a letter saying they are not blocking item. TransUnion has violated my privacy rights. TransUnion sent my a correspondence on XX/XX/year> denying my request to block items even after receiving a FEDERAL TRADE COMMISSION ID THEFT REQUESt. I have sent TransUnion 3 FTC forms ALL have not been acknowledged by this credit bureau. TransUnion has violated multiple FCRA laws and each violation is 1000 or more fine. 
I need TransUnion to block these items and stop allowing these creditors to obtain access to my credit file and personal information as I requested 6 months ago
Product: Credit reporting, credit repair services, or other personal consumer reports

BACKGROUND : In XX/XX/XXXX I was offered and accepted a 3 month forbearance on my XXXX XXXX XXXX XXXX Mortgage. in XX/XX/XXXX the forbearance was automatically extended for an additional 3 months. In XX/XX/XXXX I was offered Covid 19 Post Forbearance options. I chose the Flex modification option. In XX/XX/XXXX I was presented with a Flex modification offer, in XX/XX/XXXX I accepted offer and made 3 trial payments in accordance with terms of offer. in XX/XX/XXXX i was presented with and signed final Modification documents. 

COMPLAINT : In XX/XX/XXXX there was a significant decrease in all 3 of my credit scores ( experian, XXXX  and XXXX  ). They all reported delinquency in the payment of my XXXX XXXX XXXX XXXX Mortgage. in XXXX I contacted XXXX XXXX XXXX XXXX concerning the derogatory credit report. I was told that it had been turned over to a representative for resolution. when I contacted the representative he confirmed that my covid 19 forbearnce should not have negatively impacted my credit. he also stated that an investigation would be initiated within XXXX XXXX  XXXX Unions credit reporting department. I have been contacting XXXX XXXX XXXX XXXX on a monthly basis since XXXX but no resolution has been reached and it appears that no actions at all or being initiated. 

ATTACHMENTS : 1. copy of my complaint to XXXX XXXX XXXX XXXX 2. copy of post forbearance options 3. copy of offer of flex modification 4. copy of final flex modification agreement 5. copy of mortgage payment history prior to forbearance and after trial period 6. copy of trial period mortgage payments.
Product: Credit card

XX/XX/23 My card was charged {$7.00} for XXXX XXXX. 

I assume ( based on familiarity with XXXX ) that this is an in-flight food or beverage purchase. 

I did not fly XXXX on that date, nor was I anywhere near traveling or an airplane. I reported the charge as fraud and requested a new credit card. It is obvious that someone has a fradulent physical copy of my card. 

Barclays did an investigation, and due to the chip being read and the card being used in person, they determined that the charge was valid. I called to dispute this again and asked how I could prove that I wasnt on an airplane since they refused to believe me. They entered more information and resubmitted. 

On XX/XX/23 they sent me the same letter upholding the charge. 

This is infuriating that they do not believe me that this is fraud. There are no other travel costs anywhere. I do not know how to 'prove ' that this charge was not me.
Product: Debt collection

Thank you for providing the validation documents for the debt associated with CAINE & WEINER COMPANY Account Number : XXXX. 

I want to make it clear that I dispute the legitimacy of this debt with your company. According to the Fair Debt Collection Practices Act ( FDCPA ), creditors must notify debtors before selling their accounts to collection agencies. Since I did not receive such notification, the validity of this debt being transferred to you is uncertain. 

Furthermore, the fact that I was not informed about the sale of the debt raises concerns about the accuracy of the information on my credit report. Therefore, I demand that you remove the record associated with this account from all three major credit bureaus ( XXXX, XXXX, and XXXX ) in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit card or prepaid card

To who may concerns this is happen on XX/XX/2019 i had made a reservation online through XXXX dated for XX/XX/2019 i purchased two tickets with XXXX XXXX for my parents coming from XXXX XXXX to XXXX XXXX ca the layover on both ticket were only 3:05hrs and than all of the sudden after purchasing both tickets i got an email from XXXX says XXXX change the layover to 13hrs instead of 3:05hrs so i called XXXX to ask them what happend i got the answer back those changes were made from XXXX   XXXX  and XXXX  only third party i was on the phone with XXXX  for about 4hrs trying to find a solution after going back and forth i request a refund for my transaction i was told from XXXX representative they are unable to refund the transaction they have to reach out to XXXX XXXX which they did and XXXX XXXX refused to reverse the transaction so i went and called my credit card merchant services XX/XX/2019 i requested dispute i got the transaction refunded and i went and reserved another ticket through XXXX XXXX dated on XX/XX/2019 so my parents did not traveled on XX/XX/2019 with XXXX XXXX they went on XXXX XXXX instead after that i received a letter from my merchant services on XX/XX/2019 says that i need respond on by XX/XX/2019 and send the evidence of what happens which i did mail it back XXXX  and i wrote statement stated the whole situation and a copy of both tickets as an evidence that my parents did not travel with XXXX XXXX merchant services they mailed me back a letter saying they are unable resolve this matter and they wont be able to reopen the case anymore because their claiming that they received the evidence very late which is not my fault iv got late respond from them now if i disputed the transaction because it's my right i spoke with XXXX bank of america representative she mentioned to me no body worked on my case i got charge back and i don't see it right i really need your help please immediately because i tried to reach back to bank of america merchant services they keep me on hold for a long time till the line hangs up by it self my case number XXXX sincerely XXXX XXXX the fair resolution for this matter i should not be getting charge back because as a consumer i did what i spouse to do i had give them enough time i reported the transaction before the travel date to take action but unfortunately no body worked on my case that i reported to bank of america merchant services if i was advised from the bank of america credit card representative that they were unable to protect their clients from XXXX XXXX scams i would never went and reserved another tickets with different airlines
Product: Mortgage

I applied for a Loan Modification on : XX/XX/XXXX to Seterus, with the help of XXXX XXXX, a complete financial package was sent to be considered for a HAMP ( Home Affordable Loan Modification ). However to start with, Lender informed that this account was " locked '' by a Law Firm, which I never authorized. 
The " lock '' was removed and with the help of XXXX we were able to send the Financial Package again on : XX/XX/XXXX. 
On XX/XX/XXXX, Lender offered me an internal TPP, however this was not a TPP HAMP, and the terms were very confused. I decided not to accept the offer and applied again specifying that I would like to be considered for a Home XXXX Loan Modification. 
On XX/XX/XXXX another Financial Package was sent specifying my desire to be reviewed for a HAMP. 
On XX/XX/XXXX Lender informed me that my package was incomplete and some documents were missing, those were sent and another offer was sent to me, with the same " confusing '' terms, meaning they were only extending my maturity date XXXX more years and did not lower my interest. However due to the fact that Lender already sent me to foreclosure, I accepted the terms and my final documents were received this Monday XX/XX/XXXX. 
Up to this point, Seterus has been unable to explain me why I was never considered for a HAMP and why they did not lower my interest rate.
Product: Consumer Loan

I have a loan secured by a vehicle with USAA Savings Bank NA. I had made my payment after speaking to a loan representative, as I was past due at the time, that posted on XXXX XXXX, 2015. This brought me due for XXXX XXXX, 2015. They repossessed my vehicle that same evening, after the bank closed. I was able to get my vehicle back the next day but I had to drive over XXXX miles and take off work, from a brand new job. I have made the XX/XX/XXXX payment. When I went to pay today for XXXX XXXX, the account on line is showing I owe for XX/XX/XXXX and XX/XX/XXXX. They can not explain but the representative is telling me that the website is wrong. I am still worried that they will take my vehicle while my account is current again. I can not explain how disrespectful and rude the person I spoke to during the period they took my vehicle was.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response to your recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. 

|*** See attached documents XXXX XXXX XXXXXXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

|*** See attached documents XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

|*** See attached documents XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

|*** See attached documents XXXXXXXX XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

|*** See attached documents XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 


| *** *** see attached documents
Product: Debt collection

XXXX has violated a Cease and Desist communication and has failed to provide the following upon request : XXXX. A XXXX of XXXX, XXXX. A 1099-C form, XXXX. A signed contract between myself and XXXX, XXXX. A copy of any insurance claims related to this matter. 

Additionally, XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly verify and validate the debt as required under Section 609 ( 15 U.S.C. 1681g ) and not adhering to the requirements for dispute resolution and documentation under Section 611 ( 15 U.S.C. 1681i ). 

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. 

They furnished this account that we didn't agree upon, and I didn't sign an agreement on it. A legal contract is signed by two parties, and I did not participate in any of it. They didn't follow the proper XXXX validation procedure, which makes this unfair. I never received a dining letter or any communication prior to this account being furnished on my credit report. 

According to the FDCPA, I'm entitled to {$1000.00} per violation and they clearly violated my rights. 

Resolution Section I demand this company delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney. 

My information has appeared in several different data breaches. 

I have also been a victim of Experian 's faulty investigations. 

They have also violated 15 U.S.C. 1681, part of the Fair Credit Reporting Act ( FCRA ), which regulates access to consumer credit reports and protects the privacy of personal information. 

They also claim to be an Original Creditor but they can not produce a contract with my signature between us.
Product: Checking or savings account

I was told one month ago that my debit card was to be deactivated following exposure to a breach at a retailer. 

I was told they were sending a new card. It never arrived. I called in to the bank on three further occasions and was told on all of those occasions a new card would be issued. So far I have not received one. 

Further, when I called the bank the last time, I was told that there was nothing wrong with my card and it would not be shut off. 

2 days later, my card was shut off and since they do not have physical branches in my vicinity, I have been completely shut off from my accounts. 

I do not have a way to pay for food, travel or anything else until this is resolved. 

They have since offered to send me a new card in 3 business days, however I have prepaid for a vacation with my family in XXXX 1 day from now, and to attend a friends wedding, and stand to lose a significant amount of money as a result of the bank 's error. 

I have asked repeatedly over the last few days to be connected with a manager and have been directed in circles between different people and departments and have not been able to speak to one. 

I missed a full day of work trying to resolve this
Product: Mortgage

OneMain Financial sent me a XXXX form without any detail. The amount on the form is {$87000.00}. I am not sure what this is about and am therefore contesting this debt.

But more than that, Washington state is a no recourse state, and after consulting with a tax attorney, I asked OneMain Financial to send me another 1099-C form without the box # 5 checked. Otherwise I will have to pay the IRS and I am not able to do so, which could push me into filing for bankrupcy.

I called, then wrote a certified letter. They never responded. Please help me and have them send me a 1099-C form without box # 5 checked. 
I have filed for an extension with the IRS until XX/XX/XXXX and do need this form before that date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Filing Claim for Legal and lawful remedy I am writing to file a complaint regarding inaccurate and misleading information on my credit report, in accordance with consumer protection regulations and the relevant provisions outlined in the Consumer Financial Protection Bureau ( CFPB ) rules and United States codes. 

I have obtained a copy of my credit report from your bureau, dated [ date of credit report ]. Upon careful review, I have identified multiple errors and discrepancies that are negatively impacting my creditworthiness. I request your immediate attention and assistance in rectifying the following issues : 1. [ reporting errors. ] 15 usc 1681s-2. 

This error violates the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ) that states that credit reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of the information in their credit report.

2. [ reported incorrect information. ] This error also violates the FCRA and the CFPB Regulation V ( 12 CFR 1022.43 ), which requires accurate reporting and investigation of disputed information. 

I demand the following actions to be taken promptly to rectify these errors and restore the accuracy of my credit report : 1. Conduct a thorough investigation into each disputed item and promptly correct or remove any inaccurate or unverifiable information from my credit report, as required by FCRA Section 611 ( a ) ( 1 ) ( A ).

2. Provide me with written notification of the results of the investigation, including any changes made to my credit report, within the statutory time frame of 30 days, as stipulated in FCRA Section 611 ( a ) ( 1 ) ( C ).

3. Cease the reporting of any disputed information to third parties while the investigation is ongoing, in compliance with FCRA Section 611 ( a ) ( 2 ).

4. Update my credit report to accurately reflect the changes made as a result of the investigation, as mandated by FCRA Section 611 ( a ) ( 2 ) ( B ).

Failure to comply with the aforementioned provisions of the FCRA and CFPB regulations may result in legal action and damages sought under FCRA Section 616 and Section 617.

I kindly request your prompt attention to this matter. Please provide me with a written response acknowledging the receipt of this complaint within 15 days from the date of this letter. You may reach me at the contact information provided above. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution of these credit report discrepancies. 

Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease for a XXXX XXXX XXXX with XXXX XXXX - account # XXXX. 

I recently checked my credit report and there was a 90 day late on my credit report for this account. 

I was NEVER late on my payments and turned this in without issues. 

This 90 day late is severely impacting my credit score. There is no date for when they claim the late payment was. This is incorrect information and I a requesting for it to be cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my TransUnion credit report, I have information from another person included in my report. This is negatively effecting my report and my credit score is drastically different on TransUnion than it is on XXXX. I have spoken with TransUnion multiple times and they have been able to get things taken off my report, but they have not been able to permanently get the additional person removed from my report. I would like to be able to have this person removed permanently instead of having to get everything removed one at a time.