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

Around XX/XX/2018 I attempted to initiate a vault withdrawal of XXXX Bitcoin on my Coinbase account so I could sell it for USD ( The value at the time was approx {$12000.00} ). The vault withdrawal got stuck and I never received the confirmation email. I contacted Coinbase support on multiple occasions and when I actually got a response from a living human they appeared to have not even read my complaint. Eventually they said they " escalated the complaint '' but I never heard back and nothing was fixed. A year later, the vault withdrawal is STILL stuck, and I am STILL receiving automated responses. I attached one of the email back-and-forths but there were a couple others with more or less the same sort of interaction. Zero real help on their part.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my XXXX XXXX be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary of declined check at XXXX Date declined XX/XX/2018 time XXXX XXXX  Personal information : Check # XXXX amount {$230.00} Supplied receipt of denial with Certegy contact info and procedure to request report. Request made on XX/XX/2018 confirmation number given Received report CONSUMER FILE DISCLOSURE REPORT from Certegy  XX/XX/2018 Contacted Certegy and XXXX by phone XX/XX/2018 to inquire as to details within report. No clear reason could be given for denial.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain inaccuracies that persist on my credit report despite your prior investigation. These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit terms. 
Here are the specific items in contention : Account names & Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX There should be no balance, past due or monthly payment on an account no longer owned by original company, this account was transfer/sold ; DELETE IMMEDIATELY ''. 


Failure to respond satisfactory with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

I was completely shocked this afternoon when I saw inaccurate accounts on my credit report, and I have no clue how they got there. I routinely check my report, but this time there were errors that seemed to appear out of nowhere. I even tried refreshing my browser, thinking it was a glitch, but nothing changed. The incorrect accounts remained. Because of this, Im urgently requesting a thorough review of the documents Ive submitted so I can put this behind me and not worry about it happening again.
Product: Credit reporting or other personal consumer reports

I am very stressed out due to the errors that I found being reported on my credit. The bureaus verified information by allowing certain inquiries to be placed on my account, yet I never gave my consent to do so. It is clear that these agencies did not take the proper precautions to make sure that the information they were reporting was 100 % accurate which in turn has taken a toll on me and my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On my XXXX Credit Report, After filing a dispute, the results showed items ( XXXX XXXX XXXX ( Acct # XXXX ) and XXXX XXXX XXXX ( Acct # XXXX ). Both items deleted from credit report on XX/XX/19. I now notice the report dated XX/XX/19, that the item XXXX XXXX, XXXX ( acct # XXXX ) with yet a different account number remains on my report. 

Also on XXXX reported dated XX/XX/19, Items XXXX XXXX XXXX Acct # XXXX ) and also showed results showed item deleted. 
Also another XXXX XXXX/XXXX ( ACCT # XXXX ) also stated Deleted. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. 
I did not receive this notification. 

On report datd XXXX, XXXX XXXX XXXX has an incomplete account number which violates FCRA fules XXXX as I have no way of knowing if it is mine. 
I would like your assistance with these issues. 

Thank you
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX ( XXXX ) regarding their negligence in reporting accurate information to the credit bureaus, which has significantly impacted my credit score and ability to secure a home loan. This situation has resulted in financial losses, multiple hard credit inquiries, and considerable mental distress. 

Background Information : I currently hold seven credit accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recently, I began the process of purchasing a home and approached multiple lenders for a mortgage. During this process, the lenders performed hard credit inquiries, and I discovered that my credit score was being reported as XXXX, significantly lower than my FICO score of XXXX. After several hard inquiries, I investigated further to understand the cause of this discrepancy. 

Details of the Complaint : Incorrect Reporting of a Delinquent Account : Upon investigation, I discovered that XXXX had erroneously reported a delinquent account under my credit profile since XXXX. 

This delinquent account was incorrectly attributed to me, which negatively impacted my credit score. 

I contacted XXXX on XX/XX/XXXX, and they acknowledged their mistake. They subsequently removed the erroneous account from my credit profile. 

Failure to Report XXXX XXXX XXXX  Account : While auditing my credit reports with Experian, XXXX, and XXXX, I noticed that XXXX failed to report my XXXX XXXX XXXX, which I have held for seven years. 

Only my more recent XXXX XXXX card was being reported. The absence of the XXXX XXXX XXXX further affected my credit score, as it did not reflect my full credit history. 

I contacted XXXX, and they stated that they had initiated a request with Experian to correct this error. However, they informed me that it would take up to 60 days to resolve. 

A similar case happened where XXXX had reported an additional account on my XXXX report. I raised dispute request with XXXX to remove the errorneous account. XXXX dispute Confirmation # XXXX Impact on My Mortgage Process : Due to XXXX reporting errors, my credit score was inaccurately low when lenders conducted hard pulls on my credit. 

This led to repeated hard inquiries by multiple lenders, further compounding the negative impact on my credit score. 

As a result, I was unable to secure a mortgage to purchase a home, causing significant financial and emotional distress. 

Impact on Me : Financial Losses : The lower credit score disqualified me from favorable loan terms, increasing my cost of borrowing. 

Repeated hard inquiries have further diminished my credit score. 

Mental Distress : The prolonged process of addressing XXXX errors and the resulting delays in securing a home loan have caused considerable anxiety and frustration. 

The situation has disrupted my ability to make timely financial decisions, undermining my financial stability and peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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

XXXX XXXX showed my account late, XX/XX/XXXX and XX/XX/XXXX. In accordance with the Fair Credit Reporting Act. This creditor has violated my rights. Under 15 usc, section 602, states, I have the right to privacy.15 usc,04a section has my civil liberties violated.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report and have no clue why they're there. I checked my credit report as I normally do, but this time I noticed unexpected discrepancies. I even refreshed my browser thinking it might be a glitch, but the errors remained. Due to this problem, Im requesting a thorough review of the documents I provided to ensure this issue never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from United Wholesale Mortgage dated XX/XX/2020. The letter was confirming the approval of a forbearance plan from XX/XX/2020 through XX/XX/2020. My loan with UWM was current prior to the forbearance approval. During the time of the forbearance period, they transferred my mortgage to XXXX XXXX on XX/XX/2020. At the time of the transfer, UWM reported the account as delinquent/late 30 days or more to XXXX and XXXX on XX/XX/2020 even though I was already on forbearance. The account was never delinquent. I've called and emailed them many times for resolution but no one will assist me.
Product: Credit reporting or other personal consumer reports

I am unaware of opening any credit card with a balance of {$3100.00} from XXXX XXXX in XX/XX/year>. XXXX  XXXX  opened this account without my knowledge and closed the account as of XX/XX/year> impacting my credit score by more than XXXX points. This account shouldnt have been added to my credit report and then closed less than 30 days of having the account. I need all documents showing my wet ink signature and approval of this account to be opened by me. I have not authorized this account to be opened and closed. Ive tried calling the company is no one is available to speak to you
Product: Checking or savings account

I am writing to formally lodge a complaint against Marcus by Goldman Sachs ( " XXXX '' ) concerning the handling of my savings account and the significant delays in accessing my funds, which I believe violates the guidelines on consumer rights and financial conduct. 

XXXX. Account Opening and Initial Transaction : On XX/XX/2024, I opened a savings account with Marcus and subsequently transferred approximately {$45000.00} into this account on XX/XX/2024. The account opening and initial transfer process were conducted without issue. 

XXXX. Account Lock and Closure Request : However, on XX/XX/2024, when I attempted to transfer funds from my Marcus account to another account at XXXX XXXX, I discovered that my Marcus account had been temporarily locked. An attempt to log into my account resulted in a notification stating, " Your account is temporarily locked. '' Concerned about this sudden restriction, I contacted Marcus 's customer service immediately. During this call, I was informed unexpectedly that my account was being closed. In response, I requested the closure of my account and the prompt return of my funds. 

XXXX. Follow-Up and Lack of Resolution : Since the initial incident, I have made several attempts to resolve this matter and obtain information regarding the timeline for my account closure and the return of my funds. Specifically, I contacted Marcus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2024. Each time, I was informed that my case was still under review, but no substantive information or timeline was provided. 

The lack of access to my own financial resources has not only caused significant inconvenience but also financial stress, as these funds were allocated for upcoming obligations. The inability of Marcus to provide a clear and timely resolution reflects poorly on their customer management and operational efficiency.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, I DID NOT AUTHORIZE THIS TRANSACTIONS. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called on XX/XX/22 to call about my kohls credit card I had. Was told that they would waive the late fees due to not getting statements that the balance due was XXXX. I paid that balance in full on XXXX XXXX only to get mail that says I paid the amount above on the date listed but no fees waived, another fee, interest assessed, and false report made to credit bureaus. The statement and right to cure are dated for XXXX and feel that this is deceptive a violation of my rights under the fair debt collection practices.
Product: Mortgage

I'm filing this complaint against Wells Fargo Bank NA and XXXX XXXX XXXX XXXX because in XX/XX/2010 a foreclosure action was filed against my property for {$200000.00}. and since that time i've been attempting to get a mortgage loan modification.I sent in the mortgage application, a financial hardship letter and in it I state that excessive credit card debit and a loss of job income caused me to fall behind on my payments.and I also stated in the letter that my wife was diagnosed with a serious health illness that forced her to resign from her job because she could no longer continue working.she then applied for Social Security XXXX benefits that she now receives monthly. I've been forced to hire several different attorneys over the years to defend my rights against each foreclosure action that's been brought costing me thousands of dollars in fee 's which has caused even more of a financial burden which is getting more expense the longer this situation continues.My attorney XXXX XXXX XXXX XXXX. can be contacted at ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

When i opened an account with bank of america i started an autopay service with them. On XX/XX/year> they turned off the service and did not notify me thus resulting in me missing a payment. Once they called me to collect i was shocked to find out that i missed a payment and was told that everything will be fixed and they removed the late fees and told me they would send a letter correcting the credit report. I then recieved a letter saying they were right and inwas wrong and they arent going to do anything. I then spoke to one rep and they told me that i never had autopay, then another rep told me i did but it was only for 6 months. Every single rep tells me something different.
Product: Mortgage

They call all day and all nights from different numbers. They never say what company they are calling from just the first name of that person and a code number. These calls come every 30 minutes 6 to 8  times a day. So many voicemails of the same thing over and over. They voice of the person is not clear of understanding of what they are askinh me to call a number and code number. I have had to block unknown numbers and they have been calling restricted calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an address XXXX XXXX XXXX. XXXX XXXX XXXX listed on my Experian and XXXX  credit reports even after filing a policy report and calling the entire months of XX/XX/XXXX and XX/XX/XXXX they refuse to remove this address. XX/XX/XXXX has not update my credit report with any accurate information and refuses to remove a fraud account ( XXXX XXXX ). Dealing with this credit bureau has been a nightmare and I am a consumer who takes pride in having a clean and good credit report. I have filed police reports, Ive sent in countless pages of supporting documentation even a fraud license that had my name and the fake address listed on it!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The original debtor : XXXX XXXX defunct apartment landlord. Sold my debt to Clark County Collections in XXXX XXXX, NV XXXX obtain a lawyer and had a garnishment levied against me. I paid of debt through garnishment. 

When i tried to get the info removed after i paid off the debt through garnishment. They wanted me to pay an additional XXXX dollars to report debt to credit bureaus ... i declined that. And they left it on my report as unpaid. They have since resold my debt and it is causing mental pain because im unable to move anywhere with this unreported paid of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED ALL THESE COMPANIES BUT NO RESOLUTION AND EVEN DISPUTED WITH ALL CREDIT BUREAU. STILL REMAIN ON MY CREDIT. I WAS TOLD TO FILED SO I CAN GET HELP. 

XXXX / XXXX XX/XX/XXXX. {$340.00} XXXX XXXX XXXX XX/XX/XXXX. {$1200.00} XXXX XXXX. XX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX {$4800.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$650.00} CXXXX XXXX XXXX XXXX XXXX$260.00} XXXX XXXX XXXX {$610.00} INQUIRIES THAT WAS ALSO AFFECTED ON MY CREDIT REPORT 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed dispute letters to EXPERIAN, XXXX XXXX XXXX for the following accounts appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : This makes your social security card, drivers license/ID, and license plate credit cards that are/were used ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Product: Debt collection

On XX/XX/XXXX, I spoke to XXXX XXXX ( SPOC - Single Point of Contact ) regarding my account. Mr XXXX advised that after I made a payment on XX/XX/XXXX, he would submit a Deferment for approval to bring my account current. On XX/XX/XXXX another payment came due and I had not heard from Shellpoint if the Deferment was approved or declined by mail, email, or phone call. If the Deferment was approved and processed after XX/XX/XXXX then the Deferment should bring the account current, due XX/XX/XXXX. On XX/XX/XXXX, I called Shellpoint to see if the Deferment was approved or declined. I was advised the Deferment was approved on XX/XX/XXXX. I advised that I never received a call or Deferment Agreement stating that I was approved and to acquire my signature. I advised that I was told that the Deferment would bring my account current. I did not receive a phone call back regarding the due date being adjusted to XX/XX/XXXX. On XX/XX/XXXX, I received the XXXX Mortgage Statement dated  XX/XX/XXXX showing the account 2 months past due. Again I called Shellpoint to discuss the fact that the Deferment was supposed to bring the account due for XXXX. On XX/XX/XXXX I called XXXX XXXX at Shellpoint and left a message about the Deferment bringing the account due for XXXX. That same day I received a XXXX XXXX XXXXackage from Shellpoint. The letter is dated XX/XX/XXXX. Congratulations! you are approved for the Deferment Program. So I received the letter on XX/XX/XXXX that the the Deferment was approved. XX/XX/XXXX is 39 days after the Deferment was approved and processed. On XXXX the account was due for XXXX and XXXX. When I called Shellpoint back again to ask why a letter is not mailed to the borrower advising me that the Deferment was approved and processed on XX/XX/XXXX, I was advised that it is not automated and it takes time. I know that loss mitigation lays out a timeframe in which a letter needs to sent to the borrower. Also does the Deferment Agreement have to be signed by the borrower in Pennsylvania? 

I made a payment in XXXX and XXXX. If the Deferment was processed to bring the account current I would be current. Instead I'm due for XX/XX/XXXX. This has caused another issue. When I go online to make a payment with no fee to process my payment, I am not able to because the account is past due. So I tried to process on the automated phone system {$5.00} fee but that is not allowed because the account is past due. So I have to make a payment through a Shellpoint representative ( {$15.00} fee ). On XX/XX/XXXX, I was charged a late fee of {$12.00}. When I paid on XX/XX/XXXX, I was forced to pay through representative, thus being charged in essence a second late fee of {$15.00} I am looking forward to hear from you if you are able to help me with the issues with my account.