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

I like to start by stating my complaint is with the company Coinbase, which is a bitcoin wallet. On XX/XX/XXXX at approximately XXXX XXXX  after having to replace my phone device I attempted to sign onto my Coinbase account. I was able to enter my user name and password correctly but as a secondary precaution Coinbase also requires the use of an authenticator code. However, with the replacement of my phone I lost access to my authenticator app. Not having the required authenticator code there is an option from Coinbase to submit a license and selfie to gain access to my account. I have attempted to gain access using my photo and ID over 11 times with a denial every time. I reached out to Coinbase on XX/XX/XXXX via phone and was told to keep trying that there was nothing else they could do. I reached out again on XX/XX/XXXX where I was told they were investigating the issue and working with a specialist to address it properly. I continued to attempt access using my License and photo with no luck. With no response I reached out again on XX/XX/XXXX, where I was told for a faster response to not continue to contact them and that my request has been properly escalated. As of XX/XX/XXXX I still have not heard from Coinbase regarding this matter. As of the last time that i had access to my Coinbase account I had roughly {$11000.00} vested. With not having access I have not been able to withdraw my money while watching the Cryptocurrency ascend and descend. This has been a very stressful journey.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : Please see attached correspondence. 

Thank you for your efforts. 

Very respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate removal of the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has voilated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

Dear Sir/Madam, I hope this finds you well. I am writing to lodge a formal complaint regarding a refund check that I have not received from American Express. Despite numerous attempts to resolve the matter by contacting American Express agents, I have yet to receive a satisfactory resolution. I kindly request your intervention in this matter and seek your assistance in ensuring that I receive the credit balance refund check in question. 

I am awaiting payment of a credit balance refund from American Express in the amount of {$760.00}. However, I have never received this check. I have made repeated efforts to address this issue by contacting their customer service and fraud teams on multiple occasions. Regrettably, I have been unable to receive any assistance or payment of this balance. 

Throughout the past several months, I have diligently informed customer service agents that I have not received the refund check and emphasized my need for payment. In response, the agents submitted multiple account inquiries to investigate the matter further. However, despite these inquiries, they have routinely failed to contact me about the status of the investigation or offer any resolution to this issue. 

To provide you with a brief timeline of my interactions with American Express : First Inquiry : XX/XX/XXXX Date check was supposedly sent : XX/XX/XXXX Date check was allegedly cashed : XX/XX/XXXX Customer Service Inquiries : XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX ( all in XXXX ) As I have informed American Express numerous times, I have not received this check and have not been made whole. On XX/XX/XXXX, a supervisor informed me that there was nothing else that American Express could do to assist me in this matter. The supervisor even suggested that I submit a police report, despite the fact that the responsibility lies with American Express to resolve this issue. Unfortunately, I do not possess any information about the check number, the account from which it was issued, or the identity of the individual who cashed it, so I am entirely unable and not responsible for filing this report. 

Given the lack of progress and the absence of a satisfactory resolution, I am turning to your office for assistance. I kindly request that you intervene and take appropriate action to investigate my complaint thoroughly. It is crucial that American Express promptly delivers the refund check to me, as I have been waiting for an extended period. 

I have attached copies of relevant documents, including correspondence with American Express, that may assist in resolving this matter. 

Should you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax opened a dispute request sent certified mail on my behalf for my XXXX XXXX account. The dispute was in regards to ( 2 ) 30 day late payments for XX/XX/XXXX and XX/XX/XXXX. I informed Equifax that the payment for XX/XX/XXXX was never late and the payment for XX/XX/XXXX should not have been reported late under the Cares Act. Per the Cares Act, the law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureausas long as the account was current when the accommodation was made. According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. The Other Relief for my account was : I requested for my late fees to be waived due to being sick and out of work. I was granted this accommodation for my XXXX XXXX account. I submitted documentation along with my dispute request which consisted of the communication between myself and XXXX XXXX via their chat system online. Equifax closed the dispute request on XX/XX/XXXX but did not correct my Payment History and Payment Status. I have attached the same documentation to this complaint that was submitted to Equifax.
Product: Credit reporting

The following information is reporting on my credit report when the responsibility of this debt has shifted due to my divorce, which is Missouri Case Number XXXX. 
XXXX XXXX Account ( open date XXXX/XXXX/XXXX ) and XXXX XXXX ( open date XXXX/XXXX/XXXX ) are accounts that need to be placed on my ex wife 's credit report, not mine. 
XXXX XXXX Debt ( open date XXXX/XXXX/XXXX ), XXXX XXXX XXXX ( open date XXXX/XXXX/XXXX ), and XXXX XXXX XXXX ( open date XXXX/XXXX/XXXX ) are collections that responsibility has shifted due to my divorce.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. I have not received any response about the complaint I sent, dated XX/XX/XXXX. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/ XXXX XXXX
Product: Debt collection

The dispute is with the collection agency Payliance. Original creditor name XXXX XXXX XXXX. Date assigned-XX/XX/XXXX original amount owed- {$28.00} Amount now- {$40.00} as of XX/XX/XXXX. Status on my credit report is UNPAID. Account Designator Code-INDIVIDUAL ACCOUNT. Creditor Classification-Retail. Comments listed in my credit report, Returned Check.

The second account disputed is with the same company. Date assigned-XX/XX/XXXX. Original amount owed- {$36.00}. Amount- {$40.00}. Status date same as above as well as account Status-UNPAID. Account Designator Code same as first account and so is the Creditor Classification. Comments also the same- Returned Check.

I have tried contacting these people a couple years back and explained that these accounts are not mine. They are the result of my ex-boyfriend 's. I also filed a dispute through XXXX  regarding the accounts, and for about a year and a half these accounts disappeared off my credit report. Now for the last year about, they have returned to my credit report only on my XXXX  in the Derogatory section. They are not listed on my XXXX  anywhere. I do not know what else to do. I was told by someone at Payliance that this would be removed and the matter was resolved. Which it appeared for a short time that it was. I do not know how else to handle this. I understand that the accounts are in total only {$80.00}. I have been told I should just pay them and get it over with. But I feel like I am admitting that I have done something wrong. I have had other delinquent accounts in my ex-boyfriend 's name somehow end up on my credit report. This was with XXXX XXXX XXXX for a utility bill for his home in his name and some how it ended up on my credit report as a delinquent account. I filled a dispute and within 6 months those two accounts were removed and have never reappeared. I hope someone can help me resolve this issue once and for all. Thank you
Product: Debt collection

Now that they " closed '' this account that was included in bankruptcy was never reported as a charge-off off before the bankruptcy, however they 're reporting this as a Charge-offs. 
Per the FTC, if a debt was not in charge-off status BEFORE you filed for bankruptcy, it can NOT be reported as a charge-off AFTER your bankruptcy,
Product: Mortgage

I made an initial mistake and the next day tried to rectify it. The collection agency for RP Funding doesn't accept electronic payment and the check had not been received 12 days later. After several phone calls, I agreed to go to their website and pay ELECTRONICALLY. This was not accepted because " they were unable to locate my loan. '' I have since paid all bills electronically including XXXX. Letters have been sent to RP Funding ( certified, return receipt ), XXXX, XXXX and XXXX disputing this. I want my excellent rating returned. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrect information to my credit report. 
-Amount of payment has already XXXX agreed and paying on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1692j Is the Department of Education collecting debt or is XXXX XXXX, you are showing two separate entities collecting the same debt on the consumer report which is inaccurate also see : Dept of Ed/XXXX  amount Direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( E ) ( iii ) This loan has completed the rehabilitation process.. Delete now.
Product: Credit card

I have always made sure that payments on this account are made on time, never allowing them to become overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. Corrections should be made according to 15 USC 1666b - Billing Error.
Product: Debt collection

I received a collection notice dated XX/XX/XXXX from a company called " afni '' in XXXX, Illinois. The notice is attempting to collect a debt for XXXX for a company phone I was issued by my employer at the time, XXXX XXXX The managers didn't want the phones, we returned the phones in XXXX and our employer covered the costs. 

I spoke to XXXX at afni this morning, who told me the debt of {$94.00} has been reported on my credit reports, that he would indicate the debt is disputed but wouldn't guarantee the debt would cease being reported to the bureaus. The debt is invalid! The debt is from 10 or 11 years ago. Please advise afnit to cease and desist immediately. 

Please contact me if you have any additional questions. Thank you very much for your assistance with this matter
Product: Mortgage

My husband and I recently refinanced our home with XXXX and was overcharged in our closing documents. We paid for our XXXX certification that is required by the VA administration, which is also suppose to be not an expense to the borrower. We were then charged again in the closing documents. We also gave XXXX a copy of my divorce decree showing that I was awarded my home in my divorce. XXXX did not supply a copy of this decree to the title company at closing and the title company requested a copy from the courthouse and charged me in my closing documents. During the XXXX month, ordeal of getting our home refinanced, we experienced bad customer service, lost numerous documents that was submitted to XXXX numerous times. The XXXX managers was unprofessional in all aspects of this refinance process. I even at XXXX time tried to reach out and talk to the XXXX of the company just to receive a call from XXXX of the managers stating that, " the XXXX does n't talk to customers. '' If this is true then the commercial 's that is aired on TV is false advertising, and the customers that he is showing as a true customer is fake. At closing with the title company, our closing documents had numerous forms that were still incorrect even after we submitted them to XXXX numerous times. I even contacted XXXX of the managers to state that they over charged us for the XXXX certification by {$320.00} to only be hollered at by this manager. I even had my cell phone on speaker phone and the title company closing officer was in shock to hear the tone and what this manager said to us.
Product: Checking or savings account

On XX/XX/XXXX, I reached out to UFB Direct via their messaging portal to ask what to do since I received a message that my physical address could not be verified from my application to the bank and if it wasnt corrected my account would be shut down. However, if they couldnt verify my information, they should have never taken my money. I received a response that my message was received on XX/XX/XXXX and that I would be contacted shortly. I was not contacted until XX/XX/XXXX when I received a message ( which was the first actual message back ) that it was my final notice and that my account was restricted until they could receive documents that verified my physical address from my application. At this point I could not provide that because the address in the application was my current address and was not my permanent address used on my license. However, they wouldnt let me change my address because it was a new account. So they essentially trapped me into having a restricted account without a way for me to unrestrict it. 

Now, in XXXX, on XX/XX/XXXX I sent a message in the portal with my documents to try and unrestrict my account ( after making multiple phone calls with customer support ). I was told I would hear back in XXXX business days. I received no response back I have made multiple phone calls with customer service who keep telling me to wait for a phone call but I never receive a phone call about it. 

UFB Direct essentially has stolen my money and has not allowed me to unrestrict my account even after making efforts to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed Equifaxs reporting of my student loan balance and payment status on XX/XX/2019. On XX/XX/2019, I received a {$17000.00} XXXX XXXX XXXX XXXX payment bringing my student loan balance down from {$43000.00} to {$26000.00}. My loan was put into repayment status on that date too. 

It took Equifax 27 days to respond to my XX/XX/2019 dispute. In the meantime, my student loan servicer began reporting my loan balance and payment status correctly to all 3 credit reporting bureaus on XX/XX/2019. My Equifax credit score rose 16 points on that date. 

On XX/XX/2019, Equifax claimed that they verified the loan balance and payment status with my servicer ( XXXX XXXX ) however they obviously DID NOT as on XX/XX/2019, Equifax added the {$17000.00} back to my loan balance and put my repayment status back to in deferment. As a result of this error, my Equifax credit score has now dropped 16 points. The other 2 credit reporting agencies di NOT do this, only Equifax! 

In addition, I made a {$100.00} EARLY payment on the loan which was applied to my account on XX/XX/2019, by my loan servicer, four days before Equifax falsely reported the information on my credit report. 

Equifax did not verify the balance, payment status, or recent payment with my loan servicer ( XXXX XXXX ) as they claimed that they did. I have attached the most recent account information and payment history directly from my student loan servicer proving that Equifax is falsely reporting my student loan account information and is unlawfully harming my credit reputation, my creditworthiness, and my credit score. 

I am in the midst of applying for a car loan. I need a reliable car to get back and forth to work. I should not have to wait another 30 days for Equifax to correct their unlawful mistake so that I can qualify for a lower interest rate on a car loan. 

Had Equifax truthfully verified the data with my loan servicer, they would not have reported the old, outdated information. They should have verified that my student loan servicer had already fixed the incorrect data and it was being reported correctly on XX/XX/2019. Instead, they have unlawfully harmed my credit score! How many other consumers are suffering because of their false reporting?
Product: Debt collection

Summit Receivables contacted me from a number representing that is was coming from a local calling area. I live in XXXX XXXX, CA. The Number they used was ( XXXX ) XXXX. After receiving very threating tones and accusations from the first Female caller, I called back to speak with a " manager '', After not only being insulted and laughed at, After stating that i would not claim yes or no to the Money owed they are saying, until receiving a Document providing they had acquired the account from another company. One of my Immediate family members works for the XXXX XXXX and XXXX others for the XXXX, and i am very well aware of how much fraud occurs every second of the day. The " MANAGER '' on the phone says to me ... .VERY LOUDLY : " LOOKY HEAR WERE DEALING WITH A XXXX, basically mocking and laughing at me once again. I then Proceeded to ask him not to talk down to me in a manner as such, as I am an Intelligent person, to which he laughed at again. I stated that i am a XXXX XXXX XXXX in a private college, to which he asked " what school are you attending? ", i replied back stating that was not his information to know. Upon making that statement he said and i quote " I have your SS # i can find anything out, and PROCEEDED TO READ BACK MY FULL SS # NUMBER TO ME ACROSS THE PHONE ( ALL 9 # 's ), I further explained that anything can be obtained through the internet now a days. As i am well aware of Customer Service, I know it is Illegal for him to repeat my SS # in full over the phone, Only should the last 4 numbers be read back, or asked of me to read them to him. Not only was this company Beyond rude, they also call at all hours, Calling from numbers they have no relation to, Especially when they are located out of XXXX XXXX. I do n't appreciate anyone talking down to me, especially in a attempt to collect money. I please pray of you to handle this claim as soon as possible, after doing my own research i was able to find other comments made about the Rudeness and Threatening manner in which they conduct their phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid an settlement on the account XX/XX/2020 and its only reflecting as paid on one of my credit reports. On the other 2 it states that its reflecting as Derogatory which is hindering my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had a past credit card with XXXX XXXX that was opened on XX/XX/XXXX. The account was settled for {$270.00} and closed on XX/XX/XXXX. 

Since then XXXX XXXX still has the account on my Credit Report with Negative marks each month for non-payment and showing a balance of {$370.00}. This has had a negative impact on my credit score for years. 

It has made my rates on car purchases, and even my mortgage be higher than it should be. 

I have disputed this account with the different credit report companies such as Transunion ( still open dispute since XX/XX/XXXX ), and with XXXX. They have been unable, or unwilling to remove this false information. It looks like MANY unpaid payments, late payments, high balance, etc when in fact the account was settled to {$0.00}. 

I also have contacted XXXX XXXX multiple times. They show I made the settlement payment on XX/XX/XXXX and they still have not fixed this issue on my credit report. 

At this point who knows the damage this long standing error is causing. I have contacted XXXX XXXX again today and was told the same information. They refused to send me a copy of the payment receipt and said they could not until after they do another dispute review, I will contact my bank to get a copy.