23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to violate my consumer rights as i show proof with the attached documents showing how this company does there investagation without proper prodcures. Then they come an tell the CFPB that they either need more time or they did a correct investagation on a consumer dispute. I have asked this company to show mr proof of what they verified and who they verified it from but i yet have not gotten anything that clears that what i have asked for as a consumer. I continue to explain the US law 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A. It also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

FCRA 605B tells us to fix mistakes on my credit report. Can you check the papers? Some accounts listed are wrong about how they're reported, the money they show, and the dates.
Product: Mortgage

On XX/XX/2018, I called XXXX XXXX XXXX, to inquire how much I need to pay to get rid of PMI, the customer service rep, said {$1700.00}. I made an online payment for {$1700.00} to principle and fax over the PMI request form for removal of PMI, the same day. The lady did not state I needed to have anything else for PMI removal.

I then received a call from an appraiser to schedule an appraisal of my home. I called Round Point and asked how much was the appraisal and all they could tell me was between $ 300- {$600.00}. I then told her I was at 80 % so I should not need one. 

On XX/XX/2018 I called again to XXXX ID-XXXX and she stated PMI would be removed, if I paid {$1200.00} then my principal would drop below 78 % and it would be removed. That same day I made another online principal payment for {$1200.00} On XX/XX/2018 I sent an email to Round Point, to request dropping my PMI because now I am at 77 %, but never heard back. I also asked for my extra payments that I paid for PMI be applied to principal, and nothing has happened. 

I have made numerous phone calls, sent email for request removal. 
I have an excellent payment history, have never been late. 
My payments are current and I am at less than 78 % of principal.
Product: Money transfer, virtual currency, or money service

I am a XXXX resident at the University of XXXX  XXXX XXXX. On XXXX XXXX, XXXX I traveled to XXXX to visit my family for XXXX break. I tried accessing my coinbase account and they locked my account and sent me this email : Dear XXXX XXXX, Our records indicate that you have attempted to log in to your Coinbase account from a country in which Coinbase is prohibited by law from doing business ( XXXX ( XXXX XXXX of ) ) per the sanctions imposed by the U.S. Treasury Departments Office of Foreign Assets Control or other governing bodies. As a result, your account has been restricted. 

If you are not a resident of a sanctioned country or otherwise have received this notification in error, please visit https : //support.coinbase.com for assistance.provide us with a copy of a current, government-issued ID and proof of your current address, such as a utility bill or rental agreement. 

If, however, Coinbase concludes that you reside in a prohibited region or are violating applicable sanctions in any way, your account will be closed and Coinbase will take any other actions required by law. 

Additional information regarding account logins from prohibited regions is available here. 

Respectfully, The Coinbase Team I am deeply concerned that I will lose everything in my coinbase account, despite my repeated emails to coinbase with evidence to the contrary that I am not a resident of XXXX, ect. 

Despite my emails, I am afraid I would not get any response from coinbase support as they have replied to me with an automated response. I am horrified that they may seize my funds, I have already lost a lot of money. 

I provided coinbase support with photos of my driver license and my utility bill to my house in Maryland. I have contacted coinbase support on the day I was locked out and have sent several inquiry emails requesting a follow-up or a status update but still no clue or any sign of them. 

I visited XXXX to see my family and I dont really have any intent on going back. I visited coinbase.com just out of curiosity because of the the recent movement in BTC prices and I was immediately greeted by the above message. 

Please advise what to do and how should I proceed and if there is any way I can get my account reopened. 

Thank You
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a dispute letter to Transunion for an inaccurate account. Transunion came back and stated that the account was updatded but the error still remains on my credit report. 

If the account information comes from the same source why is the date opened different on Transunion and XXXX? This is a clear indication that the account information is not verified and is indeed inaccurate. 

I am stressed out trying to correct these errors on my credit report so that I can buy a house for my family. 

I am writing this complaint to get help from the CFPB with getting these errors removed from my credit report. 

Attached to this complaint, I have included a copy of my ID, my social security card and the dispute letter that I sent to Transunion on XX/XX/year>. I also attached a copy of my credit report with the errors circled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax are failing to remove the security freeze from my credit report as well as the fraud alert from my credit report. I have requested to ask them to remove the fraud alert but, they refuse to do so, and or delay the process longer than what is needed. I asked XXXX, XXXX, and Equifax several times to remove to fraud alert and they refuse to do so via phone after I have verified my identity several times as required. Please refer to the documents attached social security number and government-issued ID with this report to prove my identity.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date XXXX XXXX XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$290000.00} Late/Open XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX {$800000.00} XXXX Late 150 Days
Product: Student loan

Hi ive had years of turmoil with XXXX XXXX and navient in which they took advantage of me when I was younger- giving false information- Ive been charged a series of late fees and high interest- I am now swimming in student loan debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The tradeline XXXX XXXX was disputed and Equifax claimed it was verified, I have requested proof of the investigation with the letter dated XX/XX/2018 as this item is reporting in my file in error. They refuse to send me how the account was verified and are illegally reporting this to my file. XXXX XXXX   was unable to provide me proof ( contractual agreement with original creditor XXXX with my signature ) and the account was not properly investigated with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reviewing my credit report after my complaint last XX/XX/XXXX, and it seems like the items I disputed were still in my file, I need these items removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX The name and addresses above are inaccurate, The status is incorrect for the following accounts Please remove them from my credit report.
Product: Debt collection

On XX/XX/XXXX I sent a letter to Medical data Systems to validate all debt by certified mail. I received my receipt back from the post office and XXXX  XXXX signed for the letter and I have not received a response. I then made a phone call in the beginning of XX/XX/XXXX and I spoke with XXXX XXXX concerning this letter. I reminded them that they are past the 30 days and this debt has not been validated. I then submit a second letter for the letter I received turn they never validated the debt and they listed all Medical Data Systems on my report. I then submitted a second letter telling them that they have violated federal and state laws and how they failed to provide me with a copy of viable evidence bearing my signatures showing the account is being reported accurately. This letter was sent on XX/XX/XXXX Certified mail receipt number XXXX. However, they are in violation and I have made several attempts and nothing.
Product: Credit reporting

I have contacted Equifax three times now disputing a collection account that was to be deleted by request of the collection agency. The latest dispute results states that it is " verified to be mine '' although I have attached the same letter from the collection agency each time stating it is to be deleted. it has been deleted with both XXXX and XXXX without having to investigate. It is completely disregarded each time and I want this deleted as soon as possible.
Product: Student loan

I have attempted multiple times to obtain my loan information and keep getting referred to different organizations that are unable to provided me with my loan information. I need to obtain the following information : Dates of my loan dispersements ( Not the date it was consolidated ) The original amount for each dispersement The schools that received the dispersements.

Every time I call I get partial information or am advised I can only be assisted through the mail and have to wait 7-10 for a letter that does not provided the information that I am requesting.
Product: Debt collection

They are calling my place of work trying to collect a debt i do not owe and have never provided any proof of debt owed and are very rude while i am at work ... this is not very proffesional and where is proof of debt owed???
Product: Credit card or prepaid card

I am an American Express Platinum Card Holder since XXXX and have paid my card balances In Full each and every month without issue. In XX/XX/XXXX, American Express auto-enrolled me into a " Pay Over Time '' feature : https : //www.americanexpress.com/us/benefits/payment-flexibility/pay-over-time/ which requires the customer to then opt-out of ... To which I did Opt-Out in the Fall of XXXX because it was tripping up my cash flow and account management as it would automatically transfer larger balances ( up to $ XXXX ) to this " Pay Over Time '' bucket and charge upwards of 22 % interest on these balances vs. the balance being paid in full which I had been doing without issue even during XXXXXXXX. 

AmericanExpress then re-enrolled me in XXXX XXXX into the Pay-Over-Time feature, even though I had already opted-out and once again are automatically rolling over large balances and charging 22 % interest vs. these balances being paid in full each month as I had been doing causing cash flow issues for me and my small business. 

The auto-enrollment into this Pay Over Time feature, even after I opted out in Fall XXXX constitutes deceptive business practices and puts the onus back onto the customer to opt-out when I was under impression that my balances were being paid in full each month as they had been since I became a member in XXXX... Adding insult to injury, AmericanExpress is also charging exorbitantly high interest rates on these " Pay Over Time '' balances of 22 % when interest rates were at their lowest in our country 's history, which amounts to Usury by any measure... 

I am incensed by their disregard for fair business practices and their arbitrary implementation of this program - even after opting-out - as well as the exceedingly high interest rates they charge on these high balances they automatically put in to this Pay Over Time bucket. It's clear to me what their end game is and their rationale for doing this - i.e. it pads their bottom line at the expense of consumers and small business owners like me who are the backbone of this country and will continue to be.
Product: Credit card or prepaid card

I was charged interested on a balance that they setup for me a day after my new billing cycle. They refused to waive the fee. I talked to the manager XXXX and XXXX said she was the only person that I could talk to and that's it high up in management and she's the only person that can fix it but at the end of the day she said she's not waiving the fees because it was the payment arrangement was set for the day after so I have to pay the interest on it and she couldn't she refused to waive the the answers that was charged on the balance that was already sets to be paid for.
Product: Credit reporting or other personal consumer reports

Account Name XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX {$XXXX} Account Name XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$XXXX} written off. {$XXXX} past due as of XX/XX/XXXX. 
Status Updated
Product: Consumer Loan

In reviewing XXXX XXXX credit report, I found that first investors financial service corporation placed the incorrect balance amount along with the duration period of the false balance on my XXXX report. I currently have a pending investigation with CFPB open with their debt buyer XXXX XXXX XXXX, in which they requested 60 days to get the correct balance resolved. Within those 60 days, my first investor financial services credit report balance increased to the loan origination amount. ( indicating that my high loan balance was XXXX ) Please be advised that payments were made throughout the lifetime of my loan. It is basically showing I have n't paid anything. I had gap insurance, along with my car was sold at auction XXXX/XXXX/2014. None of those credits were applied. Based upon the consent order dated XXXX/XXXX/2014, first investor financial services was ordered to pay a XXXX XXXX dollar fine based inflating delinquency amounts. The only difference in this matter is first investor financial services was n't able to inflate my delinquency balance on XXXX and XXXX, they used XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed 2 hard inquiries on my report without permissible use. According to the FCRA they should be removed. Can you help with deleting these inquiries.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed that you were reporting against the FCRA standards. How can I possibly owe two balances to two different companies for one account? Please explain to me how I owe this same alleged debt to two companies? It seems to me as if you are unclear yourself otherwise you wouldnt be reporting these erroneous accounts. Please delete these accounts from my credit report immediately. I would like to resolve this before I consult with an attorney to pursue legal action. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX which the Original Creditor isXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Duplicate Reporting ) to TransUnion/XXXX  as XXXX Collection/Charge off. 

The same account with XXXX XXXX XXXX is reporting to XXXX Collection/Charge off and XXXX- Late 120 Days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up dispute to Experian about the negative inaccurate account of XXXX  XXXX and the FCRA violations to my Credit Report Im the attachment will be proof of my identity with utility bills with my current address and proof of the inaccuracy of the XXXX  XXXX account Any documents of proves will be in file attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract as well as any and all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it as well as any and all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 




I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Mortgage

On or around the third week of XX/XX/XXXX, I was selling a home that had a XXXX in place, with a balance. I requested a payoff via an e-request, as did the escrow company handling the transaction. With a closing date set for XX/XX/XXXX, the escrow company, nor myself had received a payoff as of XX/XX/XXXX. The escrow company reached out for my help, as the consumer. I visited the local branch, where the XXXX was obtained, and requested the payoff. A branch employee generated the payoff, and I delivered it to the escrow company. On XX/XX/XXXX, the sale transaction was closed, the payoff amount was sent to the lender with additional per diem interest, as per the payoff. 
In the month of XX/XX/XXXX, I received notice from the lender that a payment is due. I supplied a copy of the final CD, to the lender, and also contact the escrow to assure myself that the XXXX had been paid in full, and the XXXX closed. The lender reached back out to me, an told me that the account was in fact, still open, and a portion of the early payoff fee had not been paid. To be clear, the XXXX was expected to be collected, but it was also expected to be included in the payoff quote provided by the branch. The escrow company also verbally confirmed the written payoff would extinguish the XXXX before issuing the final CD - and presumably the new property owners final title policy. 
Regardless, the call in XX/XX/XXXX was to notify me that the payoff issued XX/XX/XXXX was not correct, in the fact the XXXX fee was not included, and thus not collected. 
At this point, I was frustrated, and requested that the XXXX fee balance be waived, citing and sharing the evidence the lender had provided. The XXXX fee balance was not waived, and I was told not paying it would leave the XXXX open, and subject to the accumulation of fees, more money owed, etc. 
I took a breath for a day, and came to terms with paying the additional amount. It was a valid fee, but I was of course, disappointed with the lenders error. 
Fast forward to this week... In the mail, I received XXXX XXXX checks for the XXXX subject to this complaint. As of this date, the XXXX is still open, and the lender continues to send me correspondence to access/utilize it. 
I could share the seemingly endless number of times I have corresponded with this lenders servicing and customer service departments, but it appears they need oversight. 
I am XXXX XXXX XXXX of XXXX years - I can not imagine how compelling this lenders servicing department might be for a typical consumer - National Bank of Arizona XXXX AZ XXXX National Bank of Arizona ( servicing ) XXXX, UT XXXX I can provide documentation as needed-
Product: Credit reporting, credit repair services, or other personal consumer reports

Made attempts via certified mail regarding hard inquiry ; unable to reach company. Certified letter returned to sender
Product: Money transfer, virtual currency, or money service

On XX/XX/2018. I sent {$2000.00} to XXXX through XXXX  to XXXX XXXX XXXX   powered by MoneyGram using my debit card. My relative in XXXX was not able to pick up the money due to some error on MoneyGram 's end. So the next day, I went to XXXX  located at XXXX, Washington on XX/XX/2018, to get a refund and try to send it again. I was able to get a cash refund which I sent it back immediately to the same location and person. Again the receiver was not able to pick up the money. So, I went to XXXX  located at XXXX, WA again on XX/XX/2018 to ask for a full refund. The agent at that location called MoneyGram to get a reference number so that they would refund my money back. This time the agent told me that MoneyGram claims that the money has been refunded. The agent was on the phone with MoneyGram for couple of hours. They refused to refund my money back. At the end of the conversation with MoneyGram on XX/XX/2018 that they said that they have to investigate and told me to call them back on Friday, XX/XX/2018. So, today, XX/XX/2018 I called MoneyGram back and they provided me with a reference number. So the very same day I went to XXXX  to get a refund but they couldn't refund it back to me. Again the agent at XXXX   was on the phone with the representative for MoneyGram. The representative told me that now the time for investigation is 90 days and they can not refund my money back. I have to work hard for my money. I am sending this money to my relatives so that they can have a joyful holiday. I need answers and I need my money back.