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

Dear Consumer Financial Protection Bureau, I am reaching out to seek your guidance and assistance regarding a dispute I have with CoinList, a cryptocurrency exchange platform licensed and operating in the United States. As a resident of XXXX, I find myself in a challenging situation due to the international nature of this issue. 

On XX/XX/XXXX, I attempted to withdraw a sum of XXXX XXXX from my CoinList account ( XXXX ) to my personal wallet ( address : XXXX ). Despite waiting beyond the typical processing timeframe, the transaction has not been completed, nor have the funds been returned to my CoinList account. My efforts to resolve this matter through CoinLists customer support have been unsuccessful, as I have not received any response to my inquiries. 

Given that CoinList operates internationally and is subject to regulations in multiple jurisdictions, including those where they are licensed to do business, I am seeking advice on how to proceed with filing a complaint from outside the United States. The Washington State Department of Financial Institutions directed me to your agency for potential guidance or resources available for international consumers facing disputes with financial entities licensed in the United States. 

Could you please advise on the following matters : Is there a mechanism through which an international consumer can file a complaint against a US-based financial entity like CoinList? 
Are there specific steps or procedures that I should follow to escalate my complaint given my non-resident status? 
Do you offer any resources or support for consumers in my situation to help navigate the complexities of international financial disputes? 
Any assistance or information you could provide would be greatly appreciated, as I am currently at a loss for how to reclaim my funds or engage effectively with CoinList to resolve this dispute. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX, XXXX XXXX
Product: Checking or savings account

Hi I deposited a check of {>= $1,000,000} only account and in got closed and they said after 30 days they be returning my check after 30 days they said they cant reach the owner of the check I came in to the branch with the owner and we called the fraud dept together with the branch manager and they said the owner number is not on XXXX XXXX and theres no way the owner can add his number
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. 
Details of the Complaint : - **Name : ** XXXX XXXX XXXX XXXX **Date of Birth : ** XX/XX/XXXX - **Social Security Number ( last XXXX digits ) : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX, FL XXXX **Background : ** On XX/XX/XXXX, EXPERIAN deleted the following information from my credit report : was confirmed. 
**Reinsertion Incident : ** Despite the clear provisions under Section 611 ( B ) of the FCRA XXXX which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that EXPERIAN has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion. 
**Impact : ** This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products. 
**Request for Resolution : ** In accordance with the FCRA, I request the following actions to be taken : 1. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report.

2. Ensure that EXPERIAN complies with the notification requirements outlined in Section 611 ( B ) of the FCRA.

3. Correct my credit report by removing the reinserted information promptly.

**Supporting Documents : ** Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with EXPERIAN ] regarding the original deletion. 
- Copies of my current credit reports highlighting the reinserted information. 
- Any other supporting documents deemed necessary to investigate this matter. 
**Contact Information : ** Please feel free to contact me at the above address or by phone at should you require any further information or clarification regarding this complaint. 
I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the FCRA, it is EXPERIAN 's grave responsibility and duty to be reporting correct and accurate information on my credit report and file- however, they are NOT. EXPERIAN is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. These include the reporting of 150 days delinquent on XX/XX/2018. This is INCORRECT and is supposed to be reporting as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes the inaccurate late payments resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did not give EXPERIAN written instruction/ permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is very clear that EXPERIAN has violated my federally protected consumer rights and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Debt collection

Kramer & Associates has been contacted on two separate occasions and have told them that we do not know what debt the Collection Agency is referring. We even contacted the original creditor to try to understand what they are talking about. This Company refused to talk to me about the debt. I believe that is an attempt perpetrate a sham on our company.XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to Experian a few months ago about reporting inaccurate accounts on my credit report that could not be verified by XXXX or XXXX. The other bureaus deleted the account but Experian continues to report the unverified account.
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 : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXXXXXX Account numberXXXX has violated my rights. Or 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 seven 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

On XX/XX/XXXX, i called wells fargo dealer services to make a payment through their automated system. My call was answered by a gal and I immediately asked to be transferred to the automated system which she did. I made my payment just as i do every month through this system using the account number on file, always making the amount due at the time of the call and i hung up. This has NEVER been an issue before. I am finding out today that my payment did not go through, it did not clear my bank and so i made a call today. A nice gal by the name of XXXX XXXX answered and she confirmed that i did call on XX/XX/XXXX at XXXX but the info that she has is that i asked for a payoff which I did not do, i merely asked to be transferred to the autopay area which did happen. I made the payment, using my account on file and that was that. I asked XXXX if it was reported to the CBR and she said yes, and i asked her to have it removed as Wells Fargo has the documentation that i did call in. This is negligent on the part of Wells Fargo, they are not willing to reverse a late reported to the CBR although this is clearly a one off situation which is horrible customer service. We hear so many complaints about Wells and as a fellow banker i have always support Wells, until now. When this happens to me, i would imagine it can happen to anyone. I want the 30 day late reversed asap and since all calls are recorded and monitored, i would like the tape of the conversation with the other associate sent to me. I do not typically keep all documentation from the auto payments, but you can bet i will now. I expect a call back or this situation made right in the allotted time allowed by the CFPB. You see, i am also a XXXX, for 32 years now and i know how this works.
Product: Credit reporting, credit repair services, or other personal consumer reports

The living breathing woman does not have a wet ink contract with XXXX, EQUIFAX, or XXXX to publish all of that information that is not mine but another fictitious entity and against the law 18USC1342. The manual of styles says that CORPORATIONS have all capital letters in their names. Living breathing people do not spell their names in all capital letters.These CORPORATIONS have been destroying people for generation after generation with abuse, lies, and deceit often told from Bankers from other Countries who come over here and try to tell people what to do and how to do it.Lend us our money with a large price tag on it they do not have money because the only money that is available is script from yet another CORPORATION, called the FEDERAL RESERVE This is information is not for the living breathing woman it is for a CORPORATION that was created at birth.This credit reporting agency is well aware of this scheme and are working with Banks, Lawyers to deceive the people they even call people Descedent which is a DEAD person, we are classified as DEAD persons. This government is Bankrupt so how in the world can they lend money to people when they are bankrupt. Our Signature and we the people are the XXXX XXXX and are worth Billions of dollars. XXXX XXXX and XXXX XXXX has talked about what is going on right now. All of these credit reports are fraudulent and every XXXX of the CREDIT REPORTING AGENCIEs know it. Lets tell the truth and keep every last XXXX of the people up on living in the truth. These CORPORATIONS HAVE BEEN LISTING ME as a CORPORATION which is false information and it is a violation 15USC 1692a-p among other deceptive practices that the BANKERS, ATTORNEYS use taxing the American people for no reason at all. 
We the people will prevail, as soon as the XXXX XXXX  wears off. The CREDIT REPORTING AGENCIES have communicated all of this negative information to a third party and have gotten away with this for years and years this should not be the case a fine should be imposed against them.
Product: Credit reporting or other personal consumer reports

Subject : Continued Inaccuracies in Credit Reporting - Request for Immediate Removal of Inaccurate Account To Whom It May Concern, I am writing to formally file a complaint against the credit bureaus for their continued failure to correct and remove inaccurate information regarding the following account on my credit report : Account Name : XXXX Despite multiple disputes filed under the Fair Credit Reporting Act ( FCRA ), the credit bureaus persist in reporting inaccuracies related to this account. Specifically, the following inaccuracies remain : Incorrect status Incorrect reporting Incorrect balance This situation violates several provisions of the FCRA. I request the credit bureaus to permanently remove this account from my credit report due to the failure to validate the charges properly during their investigation. 

Violations and Relevant Laws 15 U.S. Code 1681e ( b ) : Accuracy of Report Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. Despite my dispute, the credit bureaus continue to report inaccuracies, which is grounds for deletion.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusions The term " consumer report '' does not include certain types of information, such as transactions or experiences between the consumer and the person making the report. 
15 U.S. Code 1681s2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies 15 U.S. Code 1681i : Procedure in Case of Disputed Accuracy 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion or Correction If an item is found to be inaccurate or can not be verified, it must be deleted or corrected by the credit reporting agency. In this case, I request deletion of the account.

15 U.S.C. 1681s-2 ( b ) ( 1 ) : Responsibilities of Furnishers Furnishers must conduct an investigation when they receive a notice of dispute from a credit reporting agency. If the information is found to be inaccurate, they must notify all credit reporting agencies to which they provided the information. 
Additionally, if XXXX has reported a balance for a debt that was charged off and potentially canceled ( as evidenced by a Form 1099-C ), this constitutes inaccurate reporting.

Request for Permanent Removal Due to the multiple violations and the significant harm these inaccuracies have caused to my creditworthiness, I request the following resolutions : Immediate and permanent removal of the inaccurate account from my credit report. 
Notification once the inaccurate account is removed. 
Rectification of any negative impact on my credit score and restoration to reflect my true creditworthiness. 
Thank you for your prompt attention to this matter.
Product: Credit card

Chase Bank issued me a travel card named the Sapphire Preferred Visa. 
One of the benefits of using this card was the acquisition of travel points. 
I amassed XXXX Travel Points by my closing date of XX/XX/year>. 
The XXXX Travel Points plus {$53.00} were used to pay in full for car rentals on or about XX/XX/year>. 
The car rental transaction were handled through Chase Bank Travel department. 
On XXXX XXXX I picked up the rental car for the fully paid for rental period of XX/XX/XXXX, through XXXX XXXX, XXXX Chase Sapphire Card was used to make the {$1000.00} damage deposit required. 
On XX/XX/year>, {$740.00} was placed on the card by XXXX XXXX Rentals. Over XXXX points were deducted for that transaction also. The cost of the rental period from XX/XX/XXXX through XX/XX/year> was approximately {$490.00}. The XXXX travel points and an additional {$53.00} had covered that cost. XXXX XXXX Rental was just stealing at that point. 
I have had nothing but a run around from Chase Cards during this dispute that has lasted for months as Chase claims to have no knowledge of the transaction and has burdened me to coordinate between their affiliates to sort this theft out. Chase can never find or receive any documents sent to them. Tantamount to entrapment to financial burden of being obligated to pay high fees. Chase offers no protection from theft. I should not be Charged any money by XXXX XXXX Rentals on XX/XX/year> as the rental was fully paid for. I have spoken to the following people at chase : XXXX @ Chase travel XX/XX/year> XXXX Transferred to XXXX in member services. Got the usual denial letter after that. 
XXXX Chase representative, XXXX XXXX. Was told that the documents were received XX/XX/year> and the case was reopened on XX/XX/year>. 
XXXX @ XXXX Chase Travel partner XX/XX/year> ( Case # at that time XXXX ) XXXX  at Chase XXXX XX/XX/XXXX & XXXX, XXXX  Offered points back. Was not equal to {$740.00}.
Product: Credit card

I made a purchase online XXXX through PayPal. XX/XX/XXXX. I reached out to PayPal XXXX, XXXX and inform them that the item was not received. Supposedly the vendor was sending the product an gave a tracking number XXXX and it state that XXXX to track order however after calling PayPal and after waiting another two weeks still no product. I called PayPal again this time they. stated I would receive a refund within 7 to 10 business days. The amount for this transaction is XXXX dated XX/XX/XXXX transaction ID XXXX. Seller name XXXX XXXX. mine you they created this tracking number in lieu of not receiving the product which was originally dated to receive in 7 to10day on express service for an additional XXXX. I received from PayPal communication from on XX/XX/XXXX that they were denying the case. Their reason they had a tracking number. I spoke to them again on XX/XX/XXXX and asked who the carrier was, and they had no answer. When was it delivered, they had no answer. Bottom line I'm not even sure at this point this company exist. This is fraud without a doubt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 data is inaccurate.
Product: Mortgage

I closed on my home on XX/XX/XXXX with Rocket Mortgage/Quicken Loans. Before closing, I provided Quicken Evidence of Insurance documentation for my FHA loan showing a full balance due of {$1900.00} to be paid by the Mortgagee ( see attachment ). At closing, Quicken only collected 4 months of insurance for a total of {$650.00} and subsequently only paid {$160.00} to my insurance company. On XX/XX/XXXX, Quicken made an unanticipated disbursement of {$1700.00} to my insurance company. I called Quicken and asked why they made an additional disbursement and their only resolution was to spread the shortage out over 24 months. I should not have to pay for their mistake. On XX/XX/XXXX they made another unanticipated disbursement out of my escrow account iao {$1900.00} to my insurance company. I contacted Quicken via email the same day and was told the additional disbursement was made to prevent a lapse in coverage and to send any refunds from my insurance company to fund my escrow account. I now have a deficit of - {$3700.00} in my escrow account due to poor origination AND servicing. This is EXACTLY how consumers are setup to fail. I provided all the required/accurate documentation upfront and am looking at a payment increase that will exceed what I am able to afford. Where is all of this money? I want Quicken to pay for their mistake iao {$1700.00} and find that extra disbursement they can't account for to put back to my escrow account. Please help as my requests to them have fallen on deaf ears.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted complaints XXXX and XXXX on XX/XX/XXXX for Acct. # XXXX that is with XXXX The results from both complaints were verified. In the complaints i stated Equifax is reporting XX/XX/XXXX for date of last activity while XXXX is reporting XX/XX/XXXX. This is over half a year difference. I pulled my credit report XX/XX/XXXX and the same information is reporting. Id like to know how is the account verified when the facts are directly from my credit report??? Ive pointed out the inaccuracy, gave the company an opportunity to cure by deleting the account and the company refuses to do so while falsifying information in the company response. I demand the account be deleted due to the reporting of inaccurate information and given I have been denied an extension of credit due to this account which has caused my family severe harm, I demand a monetary settlement of XXXX dollars under 15 U.S. Code 1681n - Civil liability for willful noncompliance. Ill provide documentation how both XXXX and Equifax verified the accounts and how thats impossible given my credit report still reflects the inaccurate information stated above.
Product: Credit card or prepaid card

i opened a XXXX instore credit card in XXXX, XXXX. I informed them i wished to put my {$65.00} per month payment into auto debit. After filling out their paperwork and mailing them a voided check with said paperwork, i was assured via snail-mail that everything was in place ; however in the ensueing months, my account has been assessed with compounding late fees.I 've repeatedly called the customer service number to straighten it all out, only to be frustrated with their lack of competence in handling their error. My wish is to rectify their internal error by honoring my original request to have automatic payments withdrawn from my checking account subtracting the payments I 've made to date with no penalties added. My other request is to ensure my credit score has received no blemishes because of this error. BTW my bank has tried to intervene by doing a conference call and faxing proof of payments made to XXXX XXXX. they did not acknowledge the fax or any part of our attempt.
Product: Debt collection

Over the past year, I've written to both XXXX XXXX and NCB collections, asking them to prove that they complied with Georgia state law. Neither has responded with any documentation. All NCB could send was a statement. Not any of the 21 items I should've been provided according to state law. Therefore. Continuing to report the account by both companies is wrong! Continuing to attempt to collect the debt seems to be an FDCPA violation on NCB 's part.