23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I suddenly had a purchase declined at approx XXXX EST on XXXX. I had enough credit to cover it but could not make the charge. I verified online where SUDDENLY there is a problem with my account that wasn't there 3 days ago. I saw they had my old cellphone number but I can't take it off of the account because they won't let me use my email addresses ( they have 2 ) to verify it is me - they want to text a code to a phone I don't have! I borrowed my neighbor 's prepaid emergency medical phone & spent nearly 20 minutes on the phone with synchronicity. They said they would email a link. I got the link and they wanted a video of me & photo of my ID card. They REFUSED TO ACCEPT MY US PASSPORT CARD AND MY VA VETERAN ID CARD. I called a 2nd time and they say they want to mail me a letter with a code on it WHICH MY NEIGHBOR WILL STEAL AS I HAVE NO SECURED MAILBOX AND THEY HAVE STOLEN MAIL BEFORE. So explain how a letter sent to an address that ANYONE CAN OPEN is more secure than both of my email addresses. And explain why US PASSPORT CARD and VA XXXX VETERAN ID CARD are nit valid photo ID.
Product: Credit card or prepaid card

Comenity bank where I have 7 branded cards for services ranging from XXXX, XXXX XXXX and XXXX medical card. I attempted to use my card now that my doctor is allowing XXXX XXXX- I went online to verify my dr was in the network and he was comenity site asked during the search to provide services possibly being used and identify the dr office this was in XX/XX/2020  when trying to use the card on XX/XX/2020 it was declined- I sent them a secured message and they quickly replied that due to inactivity they closed the account and coincidentally it was two days after my search for my dr on their site. I have had the card for 5 years and paid all my medical procedures on time, in full and before interest could accrue. My credit score has decreased in the past couple of months due to using 22 % of my available credit vs my usual 11 %. This is not a result of financial loss only my being cautious and keeping more cash on hand but still no late payments to any creditor for 45 years - no bankruptcy, no collections, always and still pay well above the minimum due. I understand banks are pulling back credit lines with no real reason. The credit agreement for all comenity cards does not list that credit will be evaluated at anytime or for any purchase as long as account is in good standing their medical services card are not subject to closure due to long periods of non use. And certainly they knew I planned to use the card and once they closed it it immediately raised my credit usage to 30 % and dropped my score 20+ points. I dont believe this is a fair practice during this pandemic and am tired of seeing and now feeling myself these lenders just making rules as they go. When I called they asked me several times my date of birth and asked how long the dr was offering terms - I got put on hold and when he came back online said I would have to reapply- I feel Ive been age discriminated against and also based on my name the assumption that I was not the race of client they wanted to continue to do business with. XXXX did this after XX/XX/XXXX and not only did they pay dearly but have been one of my best financial partners since.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased bitcoin for {$260.00} from Coinbase.com.  At the time of the purchase I was told that I could use the bitcoin anywhere, anytime, without doing anything except signing up and depositing funds to my online account, XXXX. I originally found out about Coinbase.com in XX/XX/XXXX thru their internet ad that claimed to be the world 's most popular way to buy and sell bitcoin. However, I found out they had nothing but customer complaints and a XXXX rating of " F ''. I attempted on XX/XX/XXXX to send the bitcoin and they locked my account and told me that I had to send them more id and additional time consuming and very difficult online verification, none of which Coinbase.com explained to me at the time I purchased the {$260.00} in bitcoin from them. I contacted Coinbase.com on XX/XX/XXXX, thru XX/XX/XXXX and discussed my difficulty and inability to use the bitcoin as promised with XXXX, XXXX, XXXX, XXXX and XXXX and asked for a refund in the amount of {$260.00} but I was told by XXXX in coinbase support that I had to wait until XX/XX/XXXX and also send them additional information and did not receive my requested refund or any part of it at all. On XX/XX/XXXX I still was blocked from sending funds and closing my account. 
I want the XXXX XXXX XXXX to investigate Coinbase.com and to file a lawsuit against Coinbase.com to prevent them from selling this bitcoin without clearly explaining in advance all the extra steps people need to take to use it and without making it very difficult and/or impossible to use. I also want the CFPB to sue coinbase.com to obtain penalties and refunds for me and many others whom I believe were misled that the bitcoin could be easily used for purchases. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX Balance : {$8200.00}
Product: Credit reporting or other personal consumer reports

I found billing errors on my credit report showing late payments, which don't match my usual payment pattern. Please fix these mistakes and update my account. Thanks!
Product: Debt collection

Debt collection for {$600.00} not aware of the debt and the company it was originally owed to. This XXXX continues to harsh by multiple phone calls. 

This debt has been on my report for a very long time affecting the report by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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 an account without my written instructions. 
Transunion Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate and missing data. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Transunion is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt make this credit inquiries. This is affecting my credit scores. This is a mistake. Please investigate this and erase this from my credit report. I called all this companies and they didnt solve the problem INQUIRIES : 1. Cbna/sears Inquiry XXXX/XXXX/XXXX 2. XXXX  XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4.XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX/XXXX/XXXX
Product: Credit card or prepaid card

I made a dispute with Capital One bank as a merchant was non responsive to providing me an airline voucher that I had received for to the pandemic. Capital one then denied the claim saying I didnt provide enough information, which in fact I did. I called to follow up the last week do XXXX and was told to disregard a letter that I would recieve on XX/XX/2021 and that my claim was still open. I called today XX/XX/2021 and the manager XXXX informed me that the agent last week had lied to me and that the claim had been closed. I then requested to see why and If anything could be done and she said no. You can request the recorded calls to review how this was handled unprofessionally and incorrectly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Acct # : XXXX XXXX does not show this account at all. 

On report until such date is inaccurate, both XXXX and TransUnion. 
TransUnion reports : XXXX. Inaccurate payment history for XX/XX/2018 when compared with XXXX. 
XXXX. Inaccurate payment history for XX/XX/2018 when compared with XXXX. 

Disputed multiple times with XXXX and TransUnion Delinquent XXXX report inaccurate XXXX, no data for said month. XX/XX/2018 Account information between multiple reports is inaccurate for the above account in multiple aspects, not just XXXX aspect. It has been disputed multiple times with all three credit agencies yet only XXXX has removed the account due to the inaccuracies.
Product: Mortgage

On or around XX/XX/XXXX we applied to US Bank for a refinance on our existing mortgage we have with the company. At first and up to the point of getting the application fee there was good communication. From there it just fell apart. We provided them with all the information they ever asked for but could never get a straight answer about how the process was going. A P & L had to be in by XX/XX/XXXX, year to month prior to the loan, XXXX through XXXX which we provided. We had an appraisal done on XX/XX/XXXX. XX/XX/XXXX is when they email wanting us to review the appraisal which we did and sent correspondence stating that one area of the information was incorrect. Never heard another thing, emailed and left multiple messages to no avail. Finally on XX/XX/XXXX after threatening to file a complaint we are emailed that our loan had been cancelled. We received no notification until after it was cancelled. At this point the loan officer offered to start the process over again but " fast track '' it. Apparently he put the application into the portal that we had been using during this process and neglected to tell us that. A month later and we are at the final straw he tells us it's been sitting in there for a month. Mind you, we no longer had access to the portal once the loan was cancelled. 
At this point I call US Bank 's mortgage department and file a complaint with a secretary who will pass it on to management. Call back two days later because it was a weekend and they have no record of the conversation and gentleman that we spoke with was unwilling to take any further information or help in any way. 
That was it! We have been trying to get a refinance with a company we have had a mortgage with for over 11 years for almost 3 months. Never missed a payment or been late once. We want to make others aware and we want our {$390.00} application fee returned to us. They have cost us thousands of dollars and much headache. It is obvious that it is in the banks best interest to stall and cancel this refinance, they are making much more keeping us in our old loan. 
We have every email correspondence to back up all this information. 
XXXX XXXX XXXX XXXX ID # XXXX Mortgage Loan Officer XXXX XXXX XXXX Mortgage Loan Processor XXXX XXXX
Product: Debt collection

Shellpoint complaint to CFPB Previous loan servicers and Shellpoint maliciously filed a complaint in Hawaii second circuit court and created fraudulent documentation to attempt to show standing to foreclose on my property. 

It is a federal crime and a violation of federal and state laws to engage in residential mortgage backed securities when the bank and loan servicer does not have legal title of a mortgage collateralizing the mortgage back certificates. 

Shellpoint states XXXX XXXX XXXX XXXX not in its individual capacity but solely as trustee XXXX pass through trust X is the owner of the mortgage deed of trust on my property XXXX, Hawaii years after the trust closed. The trust closing date was XX/XX/XXXX. 

Shellpoint can not prove the mortgage in question was ever securitized into any trust. Therefore they are engaging in and violating federal IRS tax laws. 

Shellpoint in their letter dated XX/XX/XXXX and XX/XX/XXXX states the deed of trust security instrument can be sold one or more times. 
Yes, thats true however it needs to be recorded in the name of the new owner or a nominee for a trust. 

My title and security instrument Deed of trust was never in the name of any mortgage backed security since origination. 

It is a federal violation To create fraudulent mortgage backed securities without legal title of a Mortgage collateralizing the mortgage backed security certificate. 

I ask the CFPB to have this investigated or sent to the proper federal agency to look into these mortgage backed securities Shellpoint and new residential ( NRZ ) are engaging in.
Product: Credit card

I communicated to Chase Bank N.A. directly and have been given multiple promises of communication within one to two business have weeks go by with answers. I first communicated with them on XX/XX/ and they have yet to respond. As the original cardholder and holder in due course, I exercised my right to initiate a consumer credit transactions with Chase Bank N.A. to open a credit account. According to federal law ( 15 USC Section 1602 ), a " credit card '' includes any device used to obtain credit, which I have granted your corporation. I am well aware of my rights as a consumer, and credit is a right granted by me, the creditor ( 15 USC Section 1602 ( f ) ). They denied my application, my right to extend credit, and discriminated against me. Additionally, reporting to consumer reporting agencies is voluntary, and I did not receive proper information to opt out. Additionally, I have not received any benefits from the use of my credit. The denial of my right to extend credit has caused me severe financial, discrimination, emotional, and mental distress. Also, I was deprived from my disclosure rights not to allow my personal information to be shared with the public and with 3rd party credit reporting agencies. The only credit bureau that exist is the CFPB. There are no federal laws that empower a credit score, missing credit bureau information, age of account, or the bank to deny me my right to extend credit ( 15 USC Section 1691 ). Discrimination against an applicant in a credit transaction is unlawful ( 15 USC Section 1691 ).
Product: Credit card or prepaid card

After trying for 2 months to settle a billing dispute with XXXX XXXX I was left with no option but to contact Capital One to charge back the amounts by phone on XX/XX/XXXX. On XX/XX/XXXX I again contacted Capital One by phone because I had not received any confirmation that that the chargebacks where initiated. After an hour they finally confirmed the chargebacks where filed but there was no assurance XXXX XXXX   would not be able to continue charging my account even though the card was cancelled. Then when I asked to completely close the account they told me if I closed my account they would not pursue the chargeback.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 


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

I have sent several letters to the credit bureaus and XXXX XXXXXXXX regarding the bankruptcy and items linked to that being reported. They have not properly or legally verified that information as I received a letter from the Bankruptcy court letting me know that they do not report this information to the bureaus or any 3rd party reporting agencies. Equifax has kept this record after I have disputed this online and by mail. XXXX and XXXX have not resolved or updated me after more than 15 and 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting the following companies have violated my rights XXXX open : XX/XX/XXXX, XXXX XXXX XXXX open : XX/XX/XXXX XXXX XXXX XXXXXXXX open : XX/XX/XXXX, XXXX XXXX XXXX XXXX open : XX/XX/XXXX, XXXX  XXXX # XXXX open : XX/XX/XXXX, XXXX XXXX XXXX # XXXX open : XX/XX/XXXX, XXXX XXXX XXXX openXXXX XXXX XXXX XXXX XXXX XXXX open : XX/XX/XXXX XXXX XXXX : date ( s ) - XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 
15 u.s.c 1681 section 602 a state I have the rights to privacy 15u.s.c 1681 604 a. Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : .XXXX  OPENED XX/XX/XXXX FOR {$130.00}, XXXX XXXX XXXX  OPENED XX/XX/XXXX FOR {$230.00}, XXXX  XXXX  OPENED XX/XX/XXXX FOR {$240.00}, XXXX OPENED XX/XX/XXXX FOR {$190.00}, XXXX OPENED XX/XX/XXXX FOR $ XXXX.BY LAW WHEN A CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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 ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my credit report. It's a billing error I've always paid as agreed. Secondly, there is no such thing as a late payment. As furnishers, Transunion has a responsibility to report 100 % accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card through Synchrony bank. I was told my membership fee to Sams Club would be reduced from {$50.00} to {$20.00} for the year. I never was approved for the card. And XXXX dropped my credit score XXXX points. This seems ridiculous that they could get away with this! Your own company reported not long ago that credit bureaus like XXXX are scamming people.
Product: Credit card

There isnt a balance for this account, but is saying that I have XXXX late payments. This account was last updated in XXXX of 2021.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX : account number:XXXX
Product: Mortgage

I started the Loan assumption application back in XXXX. I have called by weekly to follow up on the progress and was told everything looks good and that they have all documents needed to send it to underwriting. I called this morning XXXX and was told that they are drafting a letter of missing documents and they will mail it to me. This is un acceptable that in 2024 we are still doing business through slow mail. I called again an hour later because it didn't sit right with me since I know I sent everything in. The customer service representative told me that it was in underwriting and that there was no documentation that they were missing any information or documentation. Who do you believe?. After reading the reviews online about Chase and the way they handle and treat their customers through this process I get worried. They jerk you around and drag out a process that should take less than 30 days. I am a consumer that has a credit score of over 800 and have never missed a payment with Chase for the life of the loan. All I am trying to do is get a loan assumption and have my ex wifes name taken off the loan. Pretty simple. What do I do?
Product: Debt collection

A fraudulent account was opened years ago and I still receive collections from an account i gave never owned
Product: Credit reporting or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer.

Account Name : XXXX XXXX XXXX Account Date : XXXX XXXX Account Amount : {$7000.00} Account Name : XXXX XXXX XXXX Account Date : XX/XX/year> Account Amount : {$940.00} You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from date of notice. I look forward to your response.

Thank you Resolution I want the transactions blocked and deleted from my consumer report.