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

On XX/XX/2020 I submitted a certified letter to XXXX XXXX XXXX ( XXXX ) requesting they verify the information they are reporting on my credit report as they believe is true. 

On XX/XX/2020 the letter was returned as undeliverable to the address in which was provided on my credit report. 

On XX/XX/2020 a certified letter was sent to Equifax disputing the false information in which XXXX XXXX XXXX is reporting to Equifax on my credit report along with a photo copy in of the undeliverable returned mail in which i tried to reach to the company requesting more information about the debt they claim to mine. I asked that Equifax remove this claim due to the inaccuracies of this company reporting a false address. Equifax denied the information reporting on my credit report was accurate, which will be provided below. 

On XX/XX/2020 another certified letter was sent to Equifax disputing the same information asking them to delete the false Collection due to inaccuries and once again Equifax stated they could not found the collection on my credit file. XXXX is the same Company as XXXX XXXX XXXX but they claim Via XXXX or XXXX XXXX XXXX could not be found on my credit report each time I have disputed this information twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

GOOD DAY, I HAVE BEEN ATTEMPTING ON SEVERAL OCCASIONS TO RECTIFY THE FOLLOWING INFORMATION FROM MY CREDIT REPORT : XXXX XXXX. 
THIS ACCOUNT IS REPORTING INACCURATELY WITH EXPERIAN, I CAN NOT HESITATE ON THE AMOUNT OF TIMES I HAVE REQUESTED FOR EXPERIAN TO GET RID OF THE LATE PAYMENT. I HAVE ALWAYS BEEN ON TIME WITH ALL OF MY PAYMENTS AND NEVER HAVE I GONE A DAY LATE ON THEM EITHER. THE PREVIOUS MOMENT I'VE TRIED TO DISPUTE THIS ACCOUNT WAS IN XXXX OF THIS YEAR ( 2021 ). PLEASE HELP RECTIFY, REMOVE OR OVERALL REPAIR THE NEGATIVE HISTORY ON MY REPORT WITH EXPERIAN. THIS IS AGITATING THE OVERALL STATE OF HEALTH OF MY CREDIT AND NOTHING HAS BEEN DONE BY THEM IN THIS CASE, THANK YOU FOR YOUR ASSISTANCE.
Product: Money transfer, virtual currency, or money service

Regarding the closure of COMPLAINT ID XXXX pertaining to Coinbase 's lack of support access. Coinbase 's response did not address my complaint, and further to that, I'm now opening another complaint because I can not access my funds. 
I have open investments that I have not been able to access or manage since this started months ago. How is this legal? 
I can not access my account, I've had to navigate confusing website troubleshooting and self-help tools that resulted in my account being locked. Email support has been my only experience so far and it is slow and robotic to the point of seeming automated. I have submitted my dropzone " selfie id verification '' after also going through the automated id verification process multiple times and so far neither method has worked. Both systems were unable to complete the verification check and I am being asked to do more, via email correspondence that take days to respond. A phone call id verification could have resolved this from day XXXX. 
Coinbase is not delivering on the level of support it purports to have and is misleading the public and its customers. Are support costs built into the fees that customers pay for its service? Do customers not have a right to access their funds within a timely manner?
Product: Credit card or prepaid card

I had an account with Cashapp for which I had lost the phone that was tied to that account. I currently have {$220.00} sitting in the account and while I provide all the correct information they need to verify my account they refuse to allow me access to it and refuse to help me further to get access to the account. They told me I pretty much s.o.l in regards to retrieving my money.
Product: Credit reporting or other personal consumer reports

This company continues to violate my rights under US code1601 and 15 US code1692 c. Charge off accounts and late payments. The following accounts Deversified adjustments {$210.00}. I have no contract with this company. Never signed anything. Neither was I legally notified about my consumer report being shared with these company. 
XXXX XXXX XXXX XXXX {$290.00}. ACCOUNT XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX {$340.00}. XXXX XXXX XXXX $ XXXX THE Following XXXX which was already removed and recently re added under a new XXXX party XXXX Further since I haven't signed any agreements with the previous listed persons, neither written or oral these accounts or uncollectable by law. I have requested that the persons cease all communication with me oral or written. This includes my consumer report. The reporting agency 's are not requesting or sending the information that congress says is necessary. I haven't received any requests from these agencies. Neither notices. By law I must be notified.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act XXXX XXXX XXXX Sec XXXX - " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the customers nonpublic personal information. GOLDMAN SACHS BANK is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. GOLDMAN SACHS BANK the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, GOLDMAN SACHS BANK whether it be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise the non-disclosure option. GOLDMAN SACHS BANK never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states " except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information.

Any other adverse item of this information, other than records convictions of crimes which antedates the report by more than seven years.

This account is an adverse item they are reporting again without my permission which is against the law.

15 US Code 1681s-2 ( A ) ( 1 ) States " a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 15US Code 1681 states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title '' XXXX and XXXX are not maintaining reasonable procedures.

Also, 12CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Payday loan, title loan, personal loan, or advance loan

I have XXXX other personal loans and they still gave me a line of credit and then are trying to charge me up to XXXX a month to repay the loan. I asked for a more reasonable payment and they said no. They never should have granted this loan to begin with and expecting me to pay up to XXXX per month when they know I had all these other loans is completely predatory
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 card

My credit card number was fraudulently used by an unknown person online to purchase items at a XXXX XXXX in XXXX on XX/XX/XXXX. The items were picked up and signed for at the XXXX XXXX XXXX on XX/XX/XXXX. My Visa card with Bank of America was charged {$1000.00}. I became aware of the charges in the next monthly statement. I instituted a fraud claim with Bank of America and changed the account number immediately and destroyed the credit card per B of A instruction. The physical credit card was not stolen and was never out of my possession. B of A investigated and their decision of XX/XX/XXXX is that the charges are valid and I owe the amount noted. No documentation has been received from B of A to support their decision. Note also my account had a security threshold of {$750.00} which stipulates I should have been contacted for the charge to be debited to my credit card account ; no contact was made for approval. B of A has not given me a fraud affidavit or any other support to assist in this fraud claim. I have filed a police report with the XXXX, AZ police and have notified the XXXX credit bureaus of the situation and place a credit freeze on my name and credit. I feel that B of A should provide me with the signature of the transaction as well as any other documentation utilized by them to deny. The account is now drawing monthly interest charges for the disputed amount.
Product: Credit card or prepaid card

Call came in, robot about reducing fees, wanted to have my number removed, only way was to talk with some one, they in turn asked for name and they verified my number, I asked for my name to be removed and he said he did not have to and I should expect harassing calls. The call was from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I logged into my credit karma account to check possible auto loan refinance rates. I was taken through a very general prompt. I was never specifically told that my credit was going to be checked for this request. I was under the impression that my credit will not be checked and I will be displayed rates on a pre-approval basis, more like a soft inquiry. Once I was alerted of an inquiry on my report, I checked my report and found two credit inquiries from XXXX XXXX. I never followed through with them after my initial request and was not aware that they checked my credit. I called them on XX/XX/2021 to have these inquires removed and they told me they won't remove the inquiries because I should have known credit karma will check my credit. This was completely false, there was no disclaimer on Credit Karma. I would like them to remove the two inquires placed on my credit report on XX/XX/2021 and XXXX. I still don't understand why they checked my credit twice. The impact of these inquiries resulted in my long standing credit card lowering my credit limit as well as my credit score dropping 10 points.
Product: Debt collection

I have reached out to Waypoint Resource Group Several times, by phone and E-mail, to which I have not had a resolution. 

A collections account was placed with Waypoint Resource Group from XXXX, Client Reference #  XXXX. This account was quickly settled with XXXX, the original creditor, directly ( Proof Of Payment and Communication from XXXX, attached ). Such account was agreed, in writing to be retracted and removed form Waypoint Resource Group as the Creditor. As stated, Waypoint was contacted and advised of such, in addition, I requested to have a deletion letter forwarded to myself and for such account to be reported, accurately, as deleted to all, credit bureaus. 

I have not heard back from Waypoint Resource Group and am now demanding that they address this account in a quick and timely fashion by providing a, over-do, deletion letter and prompt reporting to the credit bureaus of their dealings.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Transunion should not be reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted XXXX as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Product: Mortgage

PennyMac USA simply refuses to post our escrow shortage payment in full check to escrow followed by 2 monthly payments since - They've applied them to principle only causing fee 's to be charged - Our first message started on XX/XX/2019 with many  messages and phone calls since up to now ( XX/XX/2019). 

This is the latest message/request we made to PennyMac USA : Please remove the fees of {$79.00} from our latest statement (XX/XX/XXXX ) Please note - ALL past payments have been marked ( in memo ) where to have been applied. 

Please post our XX/XX/2019 check for {$1800.00} to XX/XX/2019 Payment - The XX/XX/2019 payment of {$1600.00} was marked to be applied to XX/XX/XXXX Escrow Escrow Analysis ( option B ) which paid the Escrow shortage in full ( please correct the payment and post it to Escrow ). 

The XX/XX/2019 payment of {$1800.00} payment was for XX/XX/2019 Payment ( {$1800.00} ) based upon XX/XX/2019 Escrow Analysis and fact we did option B on the XX/XX/2019 Escrow Analysis - paid shortage in full ) - Please NOTE, our XX/XX/XXXXpayment ( XX/XX/2019 payment of {$1800.00} has NOT been posted correct either, please do correct this ). 

Our monthly payments should be only {$1800.00} as we PAID IN FULL our escrow shortage XX/XX/2019 with the payment of {$1600.00} - Yet our payment still shows as $ XXXXish with both payments ( XX/XX/XXXX and XX/XX/XXXX payments ) posted wrong. 

Please I've been asking for over a month now, I've made several phone calls, I've taken a couple of collection calls now as well - PLEASE correct how our payments have posted - There is no way making these simple corrections take months ...
Product: Consumer Loan

regional acceptance is in violation of disclosing the details of my debt to a third party not authorized on my account to receive information. also i am getting at least 20 calls per day and i feel like this is stepping into harassment especially when they dont allow the phone to ring long enough to be answered or hang up when i do. please help
Product: Money transfer, virtual currency, or money service

Transaction receipt from Remitly : Recipient : XXXX XXXX XXXX Transfer No. : XXXX XXXX XXXX XXXX DELIVERED XXXX {$100000.00} We have confirmed funds were deposited to your recipient 's XXXX XXXX account. Your transaction is complete and we hope to see you again. 

ARRIVAL TIME XX/XX/2023 XXXX XXXX EDT ( XX/XX/2023 XXXX XXXX AST ) TRACK YOUR TRANSFER Your debit card Remitly Recipient 's bank Recipient 's account Success! Your deposit has been confirmed. 
XX/XX/XXXX, XXXX XXXX EDT As I post this complaint ( XX/XX/2023 @ XXXX ), I have yet to receive the funds in my account, although the transaction status shows " delivered '' on the Remitly website : XXXX XXXX XXXX XXXX USD XXXX DOP Reference number XXXX DELIVERED We have confirmed funds were deposited to your recipients XXXX XXXX account. Your transaction is complete and we hope to see you again. 
Your debit card Remitly Recipient 's bank Recipient 's account Success! Your deposit has been confirmed. 
XX/XX/XXXX, XXXX XXXX EDT I contacted the customer service chat and the customer service rep told me it takes their " specialized unit '' about 3 business days to contact me for a response. 

THE PROBLEM : I was offered a lower USD/DOP rate of exchange for the " Express Service '' yet I will end up receiving the money in 7 days, which on the Remitly website the offer for a 7 day transaction, the Rate of exchange is higher than that of the " Express Service ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a lot of unwanted calls marked as SCAM I got calls from numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt has been removed from my credit report several times and  XXXX  keeps reinserting them. Sometimes within hours of finding they had been removed. Other times  XXXX  has " sold off '' the account to a subsidiary and reinserted the debt as if it were new!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Equifax requesting a detailed description of the reinvestigation procedures for items they had verified as accurate on my credit report. I included the necessary documentation, such as my photo ID, social security card, and a recent bill with my current address to ensure proper identification. 

To date, I have not received any response from Equifax regarding this dispute. According to the Fair Credit Reporting Act ( FCRA ), if a consumer disputes the accuracy or completeness of any item in their credit report, the credit bureau is required to conduct a reasonable reinvestigation and provide information on their procedures.
Product: Debt collection

I had an isssue with identity theft but I was XXXX  so while trying g to lock credit and rentals credit my personal information a was compromised, publicizes, and vandalized and utilized for other peoples gain to establish credit And ruin mines. I reached out to the credit reporting XXXX XXXX XXXX was in contact with creditors on every XXXX  however my identity and account were still. Compromised and used. I attempted to dispute debt and pay off debts that I XXXX  even owe or have access to. I reached out to them about my bancruptcy supposed to be discharged and not still on my credit. I also reported my car stolen and then XXXX police reengineered a letter to my mothers home stating they had my car in their care for almost two year under an investigation that I wasnt apart of or knowledge of. They told me I could come get it and pay the fees for it sitting there and tow fee. When I got to the place to pay it they said the loan provider picked it up. I gave them the information and contact information of the detectives who red hex out to me to provide the lenders with to verify the information. However they still charged XXXX for the car late fees and would not allow me to obtain credit or be put in another vehicle due to my not having access to it. I have been constantly locking and unlocking my credit account to avails further discrepancies. However in order for me to gain employment and stable housing for me and my child inside to continuously unlock unfreeze my accounts and reports in order to apply for XXXX  and employee and other credit.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. I am sending this information to get the following accounts removed from my credit report. I am a victim of identity theft. I did not make these charges on these accounts. They are being reported inaccurately on my credit reports. It is stopping me from buying a home for my family. Please help me to remove these account immediately, I do not know what else to do. I have asked the credit Bureaus to remove the accounts and they have not helped.