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

Hello, I hope all is well. 

This complaint is in regards to Coinbase ( www.coinbase.com ). I initiated a sell/withdrawal on XX/XX/XXXX of 58.2 Litecoins, worth {$3000.00}. The reference code is XXXX. The transaction says " Completed, '' but no funds have been received in my account for what it is now over 2 weeks. I have contacted my bank twice to double check that no incoming wires or funds have been bounced or rejected. My bank has no record of an incoming transaction of that amount. I have been sending emails to the Coinbase support team for the last week with no response. I have tried contacting their support via XXXX - also with no response. 

Please let me know if you require any additional information from me - I am desperate to receive this money back into my account. 

Warm Regards
Product: Credit reporting or other personal consumer reports

This account with Amex is paid off we need to come to fair resolution of deletion.
Product: Vehicle loan or lease

My auto loan with BBVA Compass Bank has missed payments. After some hardship, I caught up on payments and have made on-time payments with no late payments since. I appealed to BBVA Compass to remove the late payment remarks out of goodwill to help my credit. This assistance will help me in building proper credit and continue with my responsible habits.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I opened an email from my bank, XXXX, that a derogatory account was on my credit report. I went to Experian to review my credit and found a loan for over {$68000.00} with XXXX XXXX XXXX. I've never taken out a loan with XXXX XXXX XXXX nor do I currently have a vehicle with a lien against it. I contacted Experian and XXXX XXXX XXXX on Tuesday, XX/XX/XXXX to dispute this information. I have yet to hear a resolution from either of them. I also contact the auto dealership ( XXXX XXXX in XXXX XXXX, XXXX  ) where I believe my identity was used to purchase the vehicle.
Product: Consumer Loan

We took out a XXXX balloon equity mortgage which was due to mature in XXXX. We paid interest only and the principle was due upon maturity. According to the contract, HFC ( XXXX Beneficial Finance ) was to send us notice 90-days prior to maturity. While we never received that, we thought, maybe it was a XXXX loan which would mature at the same time as our first mortgage, but never questioned it. We were tricked into paying this for an additional 6 years because we were consistently being billed. When they contacted us for the principal, in XXXX of XXXX, they informed us we had until XXXX, XXXX to pay it. ( Thus the XXXX notice. ) I was able to locate all of the original documents at which time, I noticed it should 've been called in by the company in XXXX, XXXX! I want all of my overpayments refunded to me! That was 6 years in interest charges. It amounts to almost {$40000.00}!!
Product: Mortgage

my sister 's house was foreclosed over {$3800.00} taxes she did n't pay in XX/XX/XXXX the mortgage company she was doing business with reverse Mortgage solution put a clause in saying she was responsible for pay taxes she paid XX/XX/XXXX up to XX/XX/XXXX and then reverse mortgage paid XX/XX/XXXX and XX/XX/XXXX XXXX or reverse mortgage solution office paid they gave one month notice the house was been auction a buyer came in put down {$20000.00} deposit we spoke to the buyer he agreed not to buy the house he just wanted his {$20000.00} deposit back reverse mortgage Solutions refused he was forced to settle or he will lose his {$20000.00} and my sisters court XXXX XXXX the judge will tell her to move out after 30 years she lived here she is retired XXXX years old she got her settlement papers so it 's hard to do any contact with the mortgage company XXXX XXXX way and they refused to give her any information is very difficult to work with we had we had a lawyer working on it too and he could n't get any information from the mortgage company order XXXX XXXX himself a rip-off
Product: Mortgage

My loans ( 2 ) were transferred just after funding, and prior to first payment. Payment was already set up electronically as per the instructions at closing. Payment was made electronically on time but wasn't credited for over 10 days. I expect my payment to be posted and principal and interest calculated on the day payment was received by the originator as directed. I have called to make this request only to be given excuses. I have also emailed the new servicer. I have included the email sent to the new servicer here : loanservicing@shellpointmtg.com Loans XXXX My loan was recently transferred to Shellpoint from XXXX. 
The first payment on the loan was Due XX/XX/2019 as the loan just recently funded. I closed on the property and flew to XXXX for the month of XXXX. In order to make sure payment was made on time, I had set up electronic payments to the lender ( XXXX XXXX ) before leaving the country. 
When I arrived home, I find that XXXX transferred the mortgage to Shellpoint. XXXX received my payments on XX/XX/2019, I called Shellpoint to make sure that payment was transferred only to be told it was my responsibility to sent supporting documentation. I was dismayed by the response. I followed up with XXXX to make sure payments were received and would be forwarded to Shellpoint, which they verified. 
I looked in the Customer Service Portal on Shellpoint and see that payments were credited as of the XXXX of XXXX. Due to the poor timing of this transfer, I expect payments to be credited on XX/XX/2019, the date they were received by XXXX Mortgage. I have attached copies of my bill bay payment trackers and reciepts from my credit union for your verification. 
I will also send copy of this message to the Consumer Financial Protection Bureau in the form of a formal complaint and violation of 12CFR Part 1024 in regards to mortgage transfers. 
My experience with your customer service department has been very frustrating. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OR XXXX I included attachments with the email that I will add below Thank you, XXXX XXXX
Product: Credit card

I am having issues with changing my due date, on my PayPal credit card PayPal uses Synchrony Bank. Usually Banks will change your due dates, if requested, so that I can make payments when I get paid. I work for the state and only get paid once a month. Its nearly impossible with hard times to double up in payments. I can only afford to have the due date changed so I can pay on time. Synchrony Bank always refuses to make such changes. They also did this to me when I had my XXXX card. They probably billed me approx. {$200.00} in late fees alone on my XXXX card. Now with my Paypal credit card they have probably charged me close to {$300.00} in late fees. When asked if they can waive those fees they refuse, and state they only allow one per year. Which in fact I disagree with this because of the fact that they are not willing to change my due date. I have called to ask but they said they couldn't. When they add the late fees its hard for me to make the payments. I tried to make my payment last month, on XX/XX/XXXX. When I made my payment last month my payment was way more than expected and way more than I had budgeted for because of the late fee they had added. I only have a certain amount set aside for my bills. We all now times are hard right now. My may concern is paying for my home, keeping a roof over my families head, buying food and paying insurance. I am on a tight budget. When banks are concerned about late fees and not willing to help consumers by changing due dates as requested by consumers, I believe this is simply a way for them to hike up payments. There is not any way you can not make those changes in a computer. If you are computer savy, you can make a computer do basically anything you need it to do. On XX/XX/XXXX, I made my payment for {$65.00}. My due amount was {$70.00}. Paypal refunded the {$65.00} back to my account. I did not pay the {$70.00} because I was on a tight budget and basically because that is all I had left to pay was the {$65.00}, after that my bank account would have no money. I could not afford the other {$5.00} much less did I want to get an overdraft fee. My bank did not return the money. Paypal refunded the money to my account. I am very disappointed that I cant get my due date changed, I am disappointed that Synchrony is not willing to work with me on waiving fees that I have incurred, and I am extremely disappointed that they would not take my {$65.00} payment. I believe they did not accept my payment because it was not the full amount of {$70.00} and because Synchrony basically wanted to add the {$40.00} fee. I can not believe they would return payment in XXXX, because it was short {$5.00}. How is that these companies do not understand what our country and economy is going through at this time. Today when I tried to make my payment the customer service agent said I had to pay {$160.00}, which I was not aware of such high balance/amount due. When I told them I can not afford to pay any more than {$60.00}, and asked if they would work a payment plan the customer service rep, basically said they couldn't unless closed out my account. I am disappointed.
Product: Debt collection

Debt was written off. Company purchased debt that I do not owe. I have no agreement to pay debt with a company I did not assume debt with. Repeatedly call asking for payments and money while refusing to give information as to who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX. I know for sure I am being CHEATED out of a decent credit scores due to MASS UNAUTHORIZED Inquiries that have impact my credit scores. These are inquiries made by companies with whom I have NOT applied for a loan or credit. I do not think its fair to ruin my credit score whereas these unauthorized inquiries remain on my credit file for up to 2 years. I need to know to whom do I contact to have mass unauthorized inquiries removed at once. I refused to be a victim of all credit bureaus that powers over their decision to leave these unauthorized inquiries on  my credit report when I have for the last 6.5 years has worked my XXXX off trying to maintain decent credit and or credit scores? and allow something to hold me back while trying to purchase a condo. 
I have spoke to a local attorney who has informed me that if I did not go into to these companies and or speak to any of these companies to authorized them to run my credit file then all fraudulent inquiries must be removed from my credit reports at once. 
I mean all credit reports. XXXX, experian & XXXX  asap. I have no ideal how these companies I am posting in this complaint got a hold of my social security number. anyways if its not me then all inquiries must be removed. I have also sent hard copy US mail & email process to United State Attorney General 's office, Congressman XXXX XXXX. This must stop it ruining peoples opportunities to better themselves. How can this happen if you have never been in their face and or phone call and or place of business
Product: Debt or credit management

Level One Law is a scam company and the board officers should face a court process and be ordered to pay customers their money back. They have taken more than {$10.00} XXXX from XX/XX/2023 to XX/XX/2023 without settling one single debt account. I could have continued paying my monthly bills with the same money and kept the excellent credit score I have had for the past 10 years. Instead I was mislead to believe Level One Law would provide a better, less costly solution for debt consolidation. They say my credit score could go down a little but in reality it went down more than XXXX points. Why? Because the accounts they were going to pay off were not, and some cards charged off. All statements and communication goes to them so I wasnt aware until too late. They also give you an assigned lawyer, responsible for your accounts but after leaving more than XXXX voicemails to get in touch, I realize this lawyer may not exist. XXXX business, deceptive practices and will cost people money and credit score. Level one law stated they could work with the creditors and lower my monthly expenses. With in XXXX 9 months they would have the first account settled and my credit score would start improving. When I enrolled in their program I had a XXXX credit score. When 7 months came around they had not settled my smallest account owing only {$1500.00}. I called level One Law they said they were working on it and it may take up to 9 months. When 9 months came around and still not settled XXXX account. I called Level One law they said I would be getting an offer to settle soon. When middle of the 10 month came and still no settlement. I asked to leave the program and to get a refund of my {$10000.00} that I paid into the program. My credit score was down to a XXXX. I havent received my XXXX yet or heard from Level One Law. Now I can not get a loan to refinance my home to get some of this debt paid off. My home owner insurance has doubled due to low credit score. I would have been up to date on my bills and at least a XXXX credit score or higher with the money I paid into Level One Law. Also I would not have Charged off accounts on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, XXXX, I have been contacting TransUnion via phone and mail, logging into my online account and sending USPS Priority Mail with tracking no, XXXX. The mail was delivered at XXXX XXXX  on XX/XX/XXXX. I have called several times and the response is " we have no mail from you '' this is despite me providing over 20 pages of documents on at least 3 occasions. When I call, even speaking to " supervisors '', I am told there is nothing they can do without the mail or I can submit online which as I explain does not work. I log onto my account and go to submit a dispute, put in all the information and receive an error message saying they " are unable to process my dispute online ''. The items dispute are seriously adversely affecting my credit, include being denied credit. One of the accounts was never a collection account and I sent proof that the account was paid in full and in fact they ( XXXX  ) sent me a refund check for an overpayment Both XXXX and XXXX have removed this account and I sent copies of the dispute investigation to Transunion along with copies of the refund check and statement showing full payment. In addition, Transunion is reporting four ( 4 ) other accounts by duplicating them, they are reporting the original creditor as delinquent and then reporting as collections with another collection agency so it is reporting twice. My last call was today, XX/XX/XXXX and the " supervisor '' basically send she could do nothing. I have paid to send 20 pages of documents with a tracking number because they said they never got it the first two times it was mailed by regular mail. This is unfair and inaccurate credit reporting and these items should be removed : Date Reported XX/XX/XXXX - Payment Status - Collection/Chargeoff Account Status - Derogatory - Original Lender - XXXX XXXX XXXX - Highest Balance $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. ( XXXX ) XXXX. The other items are as follows : XXXX XXXX - listed two times, original was XXXX COLLECTION/CHARGEOFF - {$780.00} XXXX XXXX - listed two times with incorrect sum COLLECTION/CHARGEOFF - {$8600.00} XXXX XXXX - listed two times with incorrect sum COLLECTION/CHARGEOFF - {$1700.00} XXXX XXXX XXXX XXXX - listed two times with incorrect sum COLLECTION/CHARGEOFF - {$1700.00} I have worked diligently over the past two years to correct my report and fix my credit and this is severely damaging as it is incorrect. 

I have no recourse because my phone calls results in no help from the representatives.
Product: Credit reporting or other personal consumer reports

I filed a complaint in XXXX about misreporting to my credit. I have never been late. Truist simply copy and pasted their complaint findings from the prior complaint and never addressed the fact that I have a 30 day late for XXXX. They also didn't address that I discussed this with an agent in XXXX and that agent from their company stated that the 30 day late would be removed. It is still on my credit.
Product: Bank account or service

I filed a complaint with USAA bank for an online debit card purchase. I felt like I was taken advantage of by XXXX, an online penny auction site. After providing all pertinent details and a copy of my bank statement verifying the disputed charges, I felt like none of that mattered and the dispute was ruled invalid because XXXX provided a copy of the charge authorization. My issue was not that I authorized the charge, but that the service promised for said charge was never delivered, i.e. " Service was not delivered as described. I have attached a copy of the Dispute Decision from USAA along with the Merchant Rebuttal and my emailed response to the Rebuttal. I do not feel like the human element was taken into consideration in this matter, and the decision was based on the authorization for the charge. I hope that, after reading the attached documents, you will see that I was taken advantage of by a company that I had moved on from. Had XXXX never contacted me after I concluded my business, i would not have this issue. Thank you for your time and consideration in this matter.
Product: Prepaid card

I have a gift card that I had to return an item to lowes refund receipt attached and they returned funds to card and card not accessible so please send me a check and close the gift card. 

See all attached docs and below is what happens everytime I attempt to check gift card balance at american express The system has experienced an unknown error. Please wait a few minutes and try to log in again. 
The safety and security of your Gift Card is important to us. 
Check your balance only on the website or phone number printed on the Card. 
For online shopping, use at merchants that require the Card number, expiration, and security code. 
American Express - Check Balance Homepage Purchase Gift Cards Using your CardHelpCheck Balance GIFT CARDS AND BUSINESS GIFT CARDS Woman at Cafe Using Laptop Computer to Check American Express Amex Gift Card Balance Manage your Card Enter your Card details to check your balance CARD NUMBER ( 15 digits, no spaces ) EXPIRATION DATE ( MM / YY ) SECURITY CODE ( Enter 4-digit code ) EMAIL ADDRESS XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Proof that if my balances decrease or if I do not have an account on my record Trans Union works against the customers and show incorrect information. That is fraud and illegally playing with our integrity credit finances ss numbers. I feel violated of my rights with this company especially since it cost me a job in the past. I do not care how they calculate and what government owns what! They need to remove this asap and I mean asap! Or I will sue them. Oh they are in cahoots with the judges in Illinois good we have another place of residence and can sue them there -
Product: Credit reporting or other personal consumer reports

I am writing to request an update on the personal information on my credit report. Upon reviewing my credit report, I have noticed that certain information is outdated or inaccurate. I would appreciate your assistance in correcting the following details : Under the FCRA, consumers can dispute inaccurate or incomplete information on their credit reports with the credit reporting agencies ( Equifax, XXXX, and XXXX ). The agencies are then required to investigate the disputed items and remove or correct any inaccuracies within a reasonable amount of time, typically within 30 days.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My name is XXXX XXXX XXXX XXXX and my SSN in XXXX. I moved from XXXX XXXX, TX to XXXX, TX in XX/XX/XXXX. I got apartment located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX and I signed up electric with XXXX. In XX/XX/XXXX, I bought home located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX and XX/XX/XXXX I bought a home located at XXXX XXXX XXXX XXXX , XXXX, TX XXXX. Because apartment is for 6 month term, in XX/XX/XXXX, I called XXXX to advise them that we had to cancel electric at apartment since lease was over and we already moved to home. I paid all bills and I advised XXXX customer representative that my forwarding address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I never received bills from XXXX and later on when check my credit score and apply for mortgage, it showed that I had collection account with XXXX. I mailed to XXXX and XXXX to let them know that I never received any bills, collections from them and correct address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. If there is left over bill, they need to send to correct address so I can review and pay. If they sent to wrong address or my old apartment 's address, of course it will not be delivered to me. XXXX said they already removed it from my credit report and now XXXX continued to transfer it to Mercantile Adjustment Bureau. I disputed all fees and collections with Mercantile Adjustment Bureau since they did not send mail to my correct address and I was never notified bills nor collections. Please remove all fees, collections and history on my credit report. If there's final bill, please send to my address at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX as I already advised XXXX XXXX in XX/XX/XXXX, in mail with XXXX, XXXX and now Mercantile Adjustment Bureau multiple times later on. I will more than happy to send payment to XXXX if it's true left over bill with my old apartment that I was never notified about it before. 

Thank you so much for your help, XXXX XXXX