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

On XXXX XX/XX/year>, XXXX XXXX XXXX XXXX, responded to my claim and pointed finger and implicated USAA in the direct involved in why my account was short {$720.00} on the return of my international wire transfer! I have yet to get a good response as to why ( I ) the consumer is missing {$720.00} when there wasnt any changes in the exchange rate over the period. I have contacted USAA several times and still they have t confirmed the discrepancy while gaslighting me in believing the XXXX XXXX XXXX XXXXXXXX took extraordinary rates. USAA and or XXXX XXXX, owes me an explanation as to what charges or exchange rate that led to my account being shorted {$720.00}. 
During the transaction with USAA, and the receipt that I received only showed USD. I did tell the agent that I want to send USD to make up the equivalent of the XXXX XXXX XXXX XXXX XXXX XXXX 
This is the response from XXXX XXXX. I just want my money bank from whichever institution that took it. 

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 USAA instructed XXXX to pay out XXXX XXXX to wire instructions at XXXX XXXX XXXX XXXX XXXX XXXX XXXX using an agreed upon XXXX XXXX XXXX XXXXXXXX on XXXX. USAA advised XXXX to pay out JMD so we acted on their instructions accordingly. 
The payment was returned to XXXX in the amount of XXXX JMD  with a reason of incorrect currency. XXXX reached out to USAA advising of the payment rejection and USAA requested the USD funds be returned to themselves. 
In line with our procedures, funds were converted from JMD back to USD at the market rate. USD XXXX was returned to USAA on XXXX. 
XXXX followed agreed upon procedures with USAA and originally acted off their instructions as intended. I would recommend working with USAA directly to be reimbursed for the difference if you feel XXXX should not have been advised to pay out in JMD. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My ex-husband had a credit card with Wells Fargo that I did not know I was an authorized user on. Our divorce papers clearly state that he was responsible for all credit card debts, and was to remove me from all cards. He passed away, and Wells Fargo moved the card into my name. I have continually contacted Wells Fargo concerning this since XX/XX/2022. I was denied identity theft as of XX/XX/2022 ; which was what I was told to do first. I have been denied mediation as of a letter dated XX/XX/2022. I contacted Wells Fargo XX/XX/2022 and was told by the fraudulent claims department that it was still open for mediation and to contact them. I contacted meditation directly after and was told it is not open for mediation that it is open in fraudulent claims. I have tried diligently to find out how I was ever an authorized user, and have been told by Wells Fargo that it was automatic. I never had a card, never signed to be an authorized user, and never used this card. I would like this debt to be taken out of my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have filed complaint on line and by certified letters to all three parties involved who keep passing the buck to each other blaming other parties included! Problem was not really investigated cause if was it would be fixed by now! Mortgage lender filed bankruptcy sold to other company which in return showed closed account with o balance which hurt my credit by 40 points! But trying to tell them my account is still open the mortgage is still there is NOT paid off!! so they ruin ur credit not my fault they filed bankruptcy! Im still pay on a XXXX mortgage that they show closed but has changed hand serval times before and never went thru this! They cost me a loan XXXX. For there mistake cause ur credit goes by ur score and closed accounts and how much u can borrow I pay my bills and work hard to keep a XXXX score or better for a company to be able to ruin financial life is wrong when its there fault not urs have filed complaints and nothing is being done but passed on the blame to reporting Equifax and XXXX  from XXXX fin my score should have never changed my mortgage is still there all it did was change hands
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit Bureaus took it upon themselves to report inaccurate information on my credit report. Most of the accounts that they have listed as derogatory, never was derogatory so how can they have 34 accounts listed on my credit report as delinquent when in fact they never was. This is causing me high interest rates when I apply for loans and they need to fix it the exact way that it was meaning verify the missed payments and if they cant verify missed payments, remove derogatory off each and everyone of my accounts and stop this racial discrimination none-sense because I am no fool when it comes to blacks in America.actually these companies are paid to report false information and not correct information and when I had good credit they never reported correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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

Ive been attempting to pay/settle with this company and they refuse to allow me to pay or anything and wont even give an offer or anything. Ive tried to call in several times and get this run around for XXXX0-20 mins every time for them to say wait another 2 weeks this has been going on for months. Since they wont allow me to pay to take it off my credit report or settle Ive tried disputing this all together and they keep blocking my dispute but not resolving anything with me. I want this off my credit report as at this point its fraud and hurting me. You cant hold someones credit XXXX with no solution. Please help I believe Im being discriminated against
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Failure of Credit Bureau to Reinvestigate and Remove Inaccurate Late Payment Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, XXXX, XXXX for their failure to properly reinvestigate and remove an inaccurate late payment from my credit report, as required under federal law. 
I noticed a late payment entry on my credit report for my account with XXXX, which I believe is incorrect. I immediately disputed this entry with Experian, XXXX, XXXX and provided all necessary documentation to support my claim, including payment records and correspondence with XXXX Under 15 USC 1666 ( b ), I am entitled to a prompt investigation of disputed billing errors, and under 15 USC 1681 ( a ) ( 2 ) ( A ), the credit bureau is obligated to ensure the accuracy of the information reported. Despite these clear legal requirements, Experian, XXXX, XXXX has failed to adequately reinvestigate my dispute and has left the incorrect late payment on my credit report. 

This error is causing me significant distress and negatively affecting my creditworthiness. I request that the CFPB take immediate action to ensure that Experian, XXXX, XXXX complies with the legal obligations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ), and that the incorrect late payment is promptly removed from my credit report. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Product: Debt collection

I am writing in regards to a wrongful debt allocation by XXXX XXXX XXXX XXXX to the tune of {$4300.00} on XX/XX/2022, as I have no knowledge or records of the debt in question. 

As well as a couple hard inquiries from XXXX and XXXX XXXX
Product: Money transfer, virtual currency, or money service

Netspend is not automatically approving the deposit of stimulus checks and is holding onto them and not releasing the funds. While not releasing the funds to the consumer, they are also charging the accounts fees. So I was charged a {$5.00} account fee for XX/XX/2020, even though there was no actual money in the account. I did not receive an email or text from them, but saw an article about stimulus checks going out. Logged into their website and saw my account was - {$5.00} and this message. 

Pending ACH Dear XXXX, The ACH deposit for your Netspend account is pending and we require additional information in order to process it. Please contact XXXX before XXXX CST on XX/XX/2020. If we do not hear from you within the specified timeframe, we will send your ACH deposit back to the originating bank. 

Thank you and we appreciate your business. 

Sincerely, EFT Processing Department
Product: Debt collection

I had already sold my home  and Vanderbilt Mortgage had been contacted by the closing company for the payoff. It is a cash sale. On the   XXXX  of  XXXX    XXXX   a young woman named  XXXX  called me on the phone stating I would have to pay  XXXX  on my loan or they would start foreclosure next week and I would be responsible for legal fees I got a foreclosure letter today on the  XXXX  and discovered I had until the  XXXX  of  XXXX   XXXX  to bring it up to date.
Product: Money transfer, virtual currency, or money service

My account on Coinbase PRO has been blocked for 3 days now from the time of writing. Combined there is a little over {$100000.00} in my coinbase account that I no longer have access to. I was locked out because I sent an email asking them to check a transaction for me. Before they responded, I have figured out the issue on my own and re-emailed them in the same case number that " everything is fine, disregard the previous email ''. 

About an hour after those 2 emails, my access to my coinbase account has been taken away. I am day trading cryptocurrencies and as we speak, I am literally losing thousands of dollars due to their incompetence to re-open my account. I have submitted numerous case tickets that all went dark. I only received ONE email back that states the following : " Hi, We appreciate your patience while we work through a high number of support requests. 

According to our records, it appears that you were able to sign in to your account after requesting help from us. 

Since you were able to access your account, were letting you know that were resolving your issue and closing this inquiry. 

If your exact issue isnt fixed and you need further support, please reply back to this message and include any additional questions or concerns. 

Thank you for understanding. 

Regards, Coinbase Support '' As you can see, on their end " everything is fine '' and " I am able to sign in ''. That is not true, obviously that is why I am filing this complaint. It is unacceptable to have such low grade of customer service when the amount of money they handle is enormous. Right now I am invested in cryptocurrencies for far longer than I was supposed to, this has the potential to cause me a lot of financial damage. 

My case number with Coinbase is XXXX
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress  and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Mortgage

Unemployment hardship that just ended. Ongoing Midland disregarded valid Hardship compounded with XXXX XXXX impact and still ongoing long covid recovery. We provided Midland with proof that we were supposed to be properly considered for Forbearance or Moratorium per their published procedures. Instead, at speed Midland continued to report us as though delinquent ( as they also did last year during our covid case ). Then disregarded our signed application stating homeowners wife has long covid XXXX and not working ; wasted a month asking for her wage slips. Then re-asked for income information of main wage earner supplied 2 months earlier. Homeowner provided detailed income receipts. Midland sent agent to inspect and take photos of our house while we were home. House is in good maintenance. Midland continued, against their own published policies, to report to credit bureaus losing over XXXX of joint credit scores as though delinquent without a federally-exception ( XXXX, XXXX XXXX disaster area, followed by sudden unemployment ), once new job was secured when XXXX weeks wages received, an extra unnecessary burdeo was placed when Midland insisted on seeing job offer letter. Provided immediately by fax with receipt kept. While continuing to wrongly report us to the credit bureaus - thus negaitvely impacting quicker return to to work. Homeowner rReadily supplied multiple emails and faxes to Midland between XX/XX/XXXX and XX/XX/XXXX on their XX/XX/XXXX deadline. All were disregarded and at high speed rushed into foreclosure. Homeowner kept receipts showing delivery receipt to of emails and copies by fax as a precuation ( covid-related case mishandled last year with same provider ). Homeowners should have qualified for streamlined refinance due to ARPA fund available after covid impact case # XXXX which should have been paid by HAF until XX/XX/XXXX for 18 months. HAF mishandled but either way refinancing through FHA or other method, loan modification etc were all viable options. All the following parties in Midland are denying receiving all supporting documents proving hardship! Rushing our USDA-guaranted loan into foreclosure is non compliant with statute and their own published policies sent to them. Midland never replied to one single question in the past 3 months including when we wrote asking why they increased mortgage to add {$500.00} more, in XXXX XXXX after a massive insurance hike, when our USDA loan to value ratio does not warrant having a bond. We are outside range ( also not replied to ). How many other hardship families are MidlandMortgage decisioning without facts supplied? XXXX, XXXX XXXX, XXXX, XXXX, XXXX date : XXXX XXXX, XXXX, XXXX subject : Re : Documents Needed for Your Application - see XXXX XX/XX/XXXX with attachments
Product: Credit reporting or other personal consumer reports

My XXXX loan balance is reflecting as {$120000.00} on my credit report and my XXXXXXXX XXXX credit History. It should be {$56.00}. My loan was transferred from XXXX to XXXX. I have spoken with XXXX and they have my total loan as {$56.00}, XXXX as it should be. I have called XXXX several times over the last 2 months and there has been no change. I am in the process of purchasing a home and this needs to be corrected ASAP. Thank you. 

XXXX XXXX
Product: Credit card or prepaid card

I am a victim of fraud and identity theft. Someone stole my identity and opened up 2 credit cards and used these cards for purchasing. 
I noticed the first card where I became a Credit Card Statement from Genisis FS Card Services on XX/XX/2022 via USPS mail late evening. 
1 Credit card company : Genisis FS Card Services {$3400.00} 2. Credit Card XXXX XXXXXXXX XXXX XXXX XXXX {$3400.00} I immediately filed a Police Report on XX/XX/2022 in the morning - XXXX XXXX County Police Case # XXXX. 
I immediately froze all my Credit Information, filed Identity fraud theft reports, and disputed these 2 Credit Cards by XXXX, XXXX, and XXXX. I filed also an Identity Theft report with the Federal Trade Commission, XXXX XXXX XXXX, Social Security Administration, and the IRS. 
1. Credit Card Company XXXX Genisis FS Card Services- you can't call this company since a computer Voice wants first the Social Security Number XXXX 
I contacted both Credit Card Companies ( Genisis FS Card Services & XXXX XXXX XXXX XXXX XXXX ) via USPS Mail. I provided all the information I had- including a copy of the Police Case Number. 
All 3 Credit Bureaus XXXX XXXX, XXXX, and XXXX investigated and DELETED already both Credit Card companies from my Credit Reports. For all 3 Credit Bureaus, both of the Cases are closed. I have on all 3 Credit bureaus now an extended Fraud Alert for 7 years. 
Genisis FS Card Services is asking me now again to provide Copies of filed Identity theft, Police Report. I did send already everything via USPS on XX/XX/2022. 
XXXX XXXX XXXX XXXX XXXX send me a Declaration of Fraudulent Activity which I need to sign and send back. 
Both Credit Card Companies ( Genisis FS Card Services XXXX XXXX XXXX XXXX XXXX XXXX ) did not close these fraudulently opened accounts and want to make, after I send everything again, their decisions if I am responsible. 
I did not open these accounts and both Credit Companies have all the proof already from me and the Credit Bureaus. I highly appreciate that we can hopefully close this chapter in my life.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Payday loan, title loan, or personal loan

I got a title loan from OneMain Financial in XXXX, 2022, and paid it in full XX/XX/2022. I was told they would notify Nevada XXXX to release my title, and I should expect to receive it in XXXX to XXXX weeks. I still have not received the title, and it has now been XXXX weeks. I called OneMain twice after XXXX weeks had passed since the payoff. Both times I was told I had to wait for XXXX. XXXX XX/XX/2022, I received an email response from XXXX that they had no record of a notice to release the title. I told OneMain this, and after investigating, they discovered that for unknown reasons, XXXX had not received a notice to release the title. They told me they sent another notice to XXXX on XX/XX/XXXX, and I should receive the title in 3 to 4 weeks. So, now I am going to wait for at total of 13 to 14 weeks to have my title returned. OneMain blamed technology or the Pandemic, which I am guessing they will continue to use for 2 to 3 more years. I can understand a mistake, but not after I alerted the company twice, and they did not investigate it.
Product: Mortgage

Started a refinance with Citadel XXXX Corporation dba Acra XXXX  on XXXX XXXX. They kept loosing papers and went through a lot of repetitive steps to reach the end. Was told by one XXXX XXXX that I could have {$65000.00}. at 5.6 % interest and pay only the interest for 10 years. My payment would be just over {$1500.00} a month. Citadel even did not notify the appraiser that this was a rental and that the management company needed to be notified. Thus I had to pay for 2 appraisers and a penalty to the first appraiser for going out to do nothing. Through all of this I thought we worked out an extension to save the interest rate. Obviously that did not happen. Finally in the first part of XXXX, after dealing with XXXX and a Virginia XXXX we got to the first part of XXXX. A week before signing I was told that since I lived in XXXX I had to get the final forms notarized in the consulate. Or I would need a POA to assist but the POA needed to submit a letter and had to be approved. Meanwhile XXXX told me that I had until the XXXX to sign the papers. So I flew to XXXX to have the papers notarized. I was shocked beyond belief. Out of nowhere I was charged a 7.1 , % interest with a payment of over {$1800.00} a month and in full and only received {$49000.00}. Acra has refused me any explanation or any help. They have completely ignored me. I wrote to the sales manager and never received a reply. XXXX advised me to sign the papers and the difference could be worked out later. Just another lie. By the by the normal interest rate should have been the 5.6 %. They completely ignored the {$590000.00} actual appraisal figure. I have been with Citadel for a long time and never expected this kind of treatment. Also the settlement date and dispersal dates are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter certified to XXXX, XXXX, and Equifax disputing similar incorrect and unverified item on my report. I requested the signed application that the creditor is saying I signed. I clearly have a message on my credit report that states new accounts can not be opened without a phone call to me to verify that I submitted the application. It has been over 30 days and XXXX, XXXX, and Equifax have violated the FCRA by : Failing to notify a creditor that I disputed the inquiry that it has been reported Failing to notify a creditor that I disputed the validity of the account Failing to conduct a reasonable investigation of my pending disputes Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b