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

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card or prepaid card

I don't have full access to my account and sometimes transactions are being declined. Whenever I call the customer service they transfer to the fraud department and they send me a letter. But this is repeating for the last 2 months. They have sent multiple letters. The letters state I need to call their fraud dept. But when I call they tell me they will send a letter again. I can't use my own credit card properly.
Product: Debt collection

I am not liable for this debt with XXXX and I do not have a contract with MOUNTAIN RUN SOLUTIONS plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$780.00}
Product: Debt collection

I never received any corrospondence to challenge this debt. Ive been threatened with legal action and now the debt is affecting my ability to get a decent job. I would like to settled for negotiation and a pay for delete. I never gave permission for the debt to be sold off.
Product: Debt collection

I have disputed this account information as inaccurate with you twice and now with the CFPB, you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the collection agency myself through Certified Return Request Mail XX/XX/2018 and also through a recent CFPB claim and have been unable to get them to verify that this is my debt. I did not ask for a verification of my address or who the creditor is etc., I asked for a copy of the signed contract with my name on it and what exactly I was being billed for. I received neither. Nothing. 

The CFPB claim on XXXX XXXX XXXX asks XXXX to validate these debts, and validate the services rendered that I allegedly received. I was given no evidence of my obligation to pay this debt to this collection agency. In fact they ignored my prior requests until I filed the claim with the CFPB and immediately after they claimed to have forwarded to me verification in XXXX but they werent sure of the date. If this letter was sent it was NOT received at my address and XXXX holds no proof of sending this letter nor proof of it being delivered to my address. This trickery is violating my rights under the FCRA. It is clear that XXXX XXXX XXXX can not legitimately validate this alleged debt as mine. It is now the Credit Bureaus legal responsibility to immediately remove this from my credit report. 

The FCRA requires you to verify the validity of the item within 30 days. I have sent two letters to your company, which means you have had 60 days to validate this debt and have you not followed through with my requests in accordance with the FCRA. If the validity can not be properly verified, you are obligated by law to remove the item immediately. There is a very clear case of unverified debt here, and I urge you to remove this item quickly before I am forced to take legal action to protect my consumer rights. 

In the event that you can not immediately verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting inaccurately an account that was included in my XXXX  XXXX bankruptcy that has completed as a charge off. It was never near charging off when i filed and not even 37 days past due. I have included correspondence from them that proves it. I did file a dispute with Equifax and the account changed it's reporting to closed but is now reporting as a charge off again when it should not be. This is a clear violation of the FDCPA. I am including my original XXXX  XXXX petition from XXXX XX/XX/2018 showing they were notified. This has had a major impact upon my credit. Their inaccurate reporting.
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX XXXXXXXX Account Number XXXX, Account Name XXXX XXXX XXXX XXXX Account Number XXXX, Account Name XXXX XXXX XXXX Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX XXXX XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX  XXXX XXXX Account Number XXXX, Account Name XXXXXXXX XXXX Account Number XXXX, Account Name XXXXXXXX XXXX Account Number XXXX, Account Name XXXX XXXX XXXX Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX Account Number XXXX has violated my rights. 15 U.S.C 1681 section 602a states I have a right to privacy. 15 U.S.C 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency my make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven ( 7 ) 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

This account is showing up on my Experian credit report after I explained the errors and problems that this account is causing me. I just moved to a new apartment and took a transfer at my job to accommodate my move and because I work in the XXXX XXXX, I had to explain several times why there is a settlement listed on my credit report. 

I wrote all 3 bureaus explaining the error that XXXX is making on my credit report. XXXX is saying that this account was SETTLED when in reality this account was NEVER supposed to be in collections because I cancelled service within the 14 day trial they gave. I returned equipment and was not bound by any contract. After I cancelled XXXX they said I had to pay for service, I explained that I did NOT have to pay according to the terms of their agreement during the trial. XXXX explained the confusion and they wiped the balance to XXXX and still reported this account on my credit with a XXXX balance. I Never paid XXXX anything on my credit report. It shows PAID IN SETTLEMENT How could I have settled a balance and the original balance is listed as XXXX.. They are misleading people by saying that I settled a balance which is not true. I never had a balance with them. This misleading statement is inaccurate and violates my FCRA rights. Additionally I have already addressed this issue where XXXX  and XXXX  deleted the account. Experian is the only bureau reporting this account saying it was VERIFIED as accurate when clearly this account is illegally reporting. I have a copy of all the disputes that I have sent out and I can furnish them to the CFPB or any attorney that wants to review this case. I need the CFPB to look into the investigation procedures of Experian and XXXX in this case. This is the ONLY Charge Off or collections on my credit report. This type of error is hurting my near perfect credit. My FICO score is suffering and as I have to write and explain this account, I am missing opportunities because this company is reporting an error on my credit report. 

I would like to request 2 things on record. 

# 1 the full payment history on this account.

# 2 is this account to be DELETED from the credit report
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my account on cryptocurrency exchange gdax.com owned by CoinBase Inc. was temporally suspended without any explanation why and what happened to cause my suspension ( see pic 1 ). Right the way I contacted their customer support email that they show on their website but for my surprise that email is disabled. ( see pic 3 ). Found another email and emailed it on XX/XX/XXXX. ( see pic 6 ) After I did not receive any response from them via email tried to contact their customer service phone XXXX. After multiple calls even after being on hold for over an hour and a half I was not able to reach any of their representatives ( see pic 7 ).

At the moment of suspension my account on gdax.com had : Lightcoin XXXX coins worth {$2800.00} on XX/XX/XXXX Ethereum XXXX coins worth {$5600.00} on XX/XX/XXXX US dollars about {$3500.00} ( See pic 2 ) Recently I found out that I 'm not able to add bank account for withdrawal of my money ( {$4000.00} ) from coinbase.com also owned by CoinBase Inc. ( see pic 5 ) I can not believe the biggest cryptocurrency exchange in the US has such a poor customer service.From what I read online in reviews and forums hundreds of people are in the same situation as me and their money put as a hostage of CoinBase Inc.  Denying access to funds for thousands maybe millions of dollars to me and many more customers out there should be unacceptable but it seems like it is becoming norm for Coinbase Inc.
Product: Credit card

XXXX AmEx informed me that I needed to make a minimum payment of {$80.00} ASAP. Due to poor communication from XX/XX/XXXX to late XX/XX/XXXX between AmEx and self, had made payments to AmEx totaling {$31000.00} from XX/XX/XXXX to XX/XX/XXXX. Discovered this large balance in late XXXX via a credit reporting agency, not AmEx. Since I did not understand the minimum payment crisis, I contacted AmEx both via phone and chat on XX/XX/XXXX. Told I needed to make a minimum {$80.00} payment on {$450.00} charges. On XX/XX/XXXX had {$470.00} " Reward Dollars '' XXXX XXXX ) that I earned for using the card. I have used XXXX to pay off charges before with no drama and asked them to pay off the charges with XXXX and cancel the card. I wished to cancel the card to end the nightmare that started XX/XX/XXXX, I became aware of late XX/XX/XXXX, and seemed to be ongoing XX/XX/XXXX. Informed that any XXXX XXXX ( {$21.00} ) would be lost when the card was canceled. Said that was fine, they could consider the {$21.00} my Thank You for canceling the card. I expected AmEx to offer a {$21.00} gift card but they did not. 
XX/XX/XXXX After an e-mail to my wife, talked to AmEx. Discovered that AmEx had simply canceled the card on XX/XX/XXXX, liquidating the $ XXXX XXXX account without paying off the {$450.00} charges account. Thus, AmEx took {$450.00} that I had earned for using the card without my consent ( Note that I did consent to AmEx keeping {$21.00}. ) AmEx promised to investigate but have no evidence of any follow-up. 
XX/XX/XXXX ( today ) Contacted AmEx ( XXXX ) following yet another e-mail to my wife. Informed I now owe AmEx {$550.00} ( {$450.00} + {$80.00} late fees from XX/XX/XXXX and XX/XX/XXXX + {$18.00} finance charges from XX/XX/XXXX and XX/XX/XXXX. Informed AmEx that my position was that they owed me ( using their own accounting methods ) {$100.00} ( {$21.00} + {$80.00} theft, dishonesty, and harassment fee + {$0.00} finance charge ) and that I would expect a gift card for this amount in the mail. AmEx did not agree. As a compromise I offered to send them a payment of {$100.00} after receiving the gift card. AmEx did not agree.
Product: Mortgage

Parents died left the property behind for me the son and the grandkids. Parents had asset protection which protected us from having to probate. Funds that were available three this insurance was given to Ocwen. I was then instructed to provide proof of homeowners insurance, due some maintenance to the front tree. I completed the loan paperwork and never received documents explaining I was denied and for what reason. Then I had a lady come to the property telling me she bought the property and if we would accept money to get out as soon as possible. I contacted Ocwen and was told that they sent documents to this address and couldnt tell me if they addressed them to me or to my deceased parents. I was basically told I couldnt do anything but get out because the property has already been sold. I want to file a complaint towards Ocwen for the illegal approach they used to take the property that my parents worked hard for and if theres anything I could do to keep my property or get compensated for all my loss. Please.
Product: Checking or savings account

On XX/XX/XXXX I ordered a XXXX XXXX XXXX from XXXX, the XXXX app stated the item arrived on XX/XX/XXXX but when I returned home from work that day around XXXX I did not see the package at my front door, I checked the leasing office and package room but item not found I called XXXX immediately and was told by a representative to wait a few days to see if the package shows up. after waiting 3 days I filed a police ( which XXXX required ) report then Just called the bank and filed a dispute as I felt like the XXXX customer service was brushing me off and me know my bank has " 0 liability fraud '', during the investigation from my bank into the claim stated they needed more information because XXXX stated they provided me a partial refund already, which was true they did provide me a refund but for a whole different item! I ordered a XXXX  XXXX  and a XXXX XXXX that shipping got so delayed I just opted for a refund that had nothing to do with the {$650.00} sofa I ordered and never received. but XXXX sent wrong refund information to my bank, I followed up with the bank to correct this and even spoke to a supervisor who was very rude to me and stated " there is nothing I can do '' After I showed the bank documents of the purchase information from my XXXX account. I only filed XXXX dispute for {$640.00} the bank opened another dispute with out my knowledge for {$100.00} the total of the refund XXXX sent me for the items that had nothing to do with my original dispute, in turn took {$540.00} out of my account on XX/XX/XXXX and then took the {$100.00} on XX/XX/XXXX as all claims were denied by Chase bank due to XXXX providing wrong information order numbers are incorrect etc. I provided all the correct documentation to counter what XXXX sent to the bank and was still denied as the bank sided with the company " XXXX ''. I have been calling Chase bank and XXXX for the past 3 months with no resolution and no refund.
Product: Checking or savings account

While on vacation in XXXX during XX/XX/XXXX a vendor that my wife and I bought a 80 purchase from. While there the vendor still had a hand held device that was used to read card only no screens or info showed.The vendor when we left tried to access a transaction through my card 3 times. XXXX that Td bank stopped. XXXX that td bank put through and the next day XXXX that td bank stopped. On the XXXX when I got to the resort and checked my account cause family that was with us got hit for fraud for XXXX and there bank stopped it I called my bank in USA and had my branch stop my cards.myself and branCh managers filed 3 complaints for obvious fraud and all were denied. There was obvious fraud 3 times 2 in which TD bank stopped. Bank managers were even dumbfounded.
Product: Student loan

I have private loans from attending the XXXX XXXX XXXX XXXX from XXXX. These loans were obtained using fraudulent practices. The school inflated after graduation job placement, used high pressure sales tactics, increased job salaries of graduates, and lied about help with job placement. They also lied about accreditation and the content of class offerings. I had to hold off on buying a house and starting a family. Also, I had to file for bankruptcy just so I could keep paying my student loan debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncrony Bank/ Sams Club DC. Card was used to help purchase and automobile. Credit limit was {$4300.00}. Card went delinquent XX/XX/XXXX. Account was charged off or closed on XX/XX/XXXX. It has been over XXXX years since this account has been charged off. Called the company on XX/XX/XXXX to attempt to reach a settlement.I was told that the debt was now managed by a law firm and provided the name and the phone number of the law firm. Is my debt with Syncrony Bank collections? or the law firm? Also when I check my credit report the account date shows current as of XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion multiple times about these inquiries on my credit report. I sent letters to all of the creditors who have no knowledge of these applications. I called and spoke with XXXX in the Us Handling Department at Transunion who said he would get these deleted and never did. I have been speaking with different reps who gives different answers. I have been following rules by sending in certified letters and I have copies of the receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to the Credit bureaus. I have disputed this information multiple times with no change. I have sent in my ID Social Security Card as well as police report and XXXX has continuously stalled me. I would like your help in getting this matter investigated and removed immediately. My personal information has been used repeatedly used and my identity is compromised. Please help XXXX is reporting incorrect and fraudulent information in my name which has severly hindered me. I am not responsible for the following accounts. 
XXXX XXXX XXXX XX/XX/2020 -This account is ridiculous. There is no payment history and no notes on this account. It just shows a collection which I have no idea came from. I have disputed this account explaining that I have no knowledge of this account. I have asked for proof of my signature when applying for this account. I have had no such luck in fixing this issue. 

-XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX I have continuously explained that I have no knowledge of this account. I have never opened this account and I dont understand how it is listed on my report. This account is also fraudulent. 


XXXX XXXX XXXX XXXX XXXX XXXX I have never had an account with XXXXXXXX XXXX XXXX I reached out to the company directly to ask for proof and to explain that this is fraud and they were suppose to investigate and remove. It has been years with no change. The account has no history or usage on any devices fraudulently purchased yet I have had no help it removing this information. 

XXXX XXXXXXXX bankruptcy XXXX have only filed a XXXX XXXX XXXXankruptcy in the past. Which has already been removed after 7years. I have repeatedly reached out and disputed this information with the credit bureaus as well as the bankruptcy court on how this misunderstanding needs to be fixed and removed immediately. 

Thank you
Product: Mortgage

XXXXContacted Community Loan Services LLC., for refinancing of mortgage sold to them by XXXX, while on a forbearance program due to XXXX and being furloughed from my job. 
XXXXFiled my first complaint on CCLS due to the difficulty I was having getting them to reply to me concerning {$6800.00} that was being added to the mortgage. 
XXXXFiled a second complaint because I was working with THA and OHFA during the modification and still having trouble with CCLS replying to my attempts and theirs to help with my loan. They closed the modification and immediately sold the loan to XXXX XXXX which I still have today and is current. 
XXXX-I was contacted by XXXX and they were still attempting to work my case number XXXX. Because the loan was modified they aren't able to help with the past due but were trying to help pay the {$6800.00} that was added to my loan as delinquent interest and escrow. 
XXXXI was contacted by XXXX saying that the FHA case number was incorrect and XXXX XXXX couldn't accept payment because CCLS either didn't file the paperwork or filed incorrectly. FHA case should be XXXX. When I tried to contact them the answering machine hangs up when I try putting in an account number or SSN.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account XXXX : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment delay due to postal service issues : In XX/XX/year>, I mailed my payment well in advance, but due to delays with the postal service, the payment arrived late. This delay was beyond my control, and the payment should not have been marked as late, as I acted in good faith to ensure timely payment. 
Payment made within the XXXX grace period : Despite the postal delay, my payment for XX/XX/year> was received and processed within XXXX 's XXXX grace period. As such, this account should not have been reported as XXXX XXXX XXXX. 
Evidence provided : I have attached bank statements and payment confirmations showing that I sent the payment well before the due date and that it was processed within the grace period once received. This evidence clearly demonstrates that the reported late payment is inaccurate. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX