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

To whom it may concern, I am a user of the digital wallet COINBASE. 

I have been a user since XXXX XX/XX/XXXX. I have always used this wallet to hold my digital currency, mainly XXXX  XXXX and a few others. 

I have never had any issues with coinbase until the XXXX XX/XX/XXXX. I have around {$45000.00} in my coinbase account. Coinbase contacted me to say my funds have been frozen and I am to withdraw my funds no longer being able to trade on this platform. 

I contacted them about this and was told not to worry this was an error to keep using my wallet as I normally would. 

The following day ( XX/XX/XXXX ) My account was completely frozen unable to access any funds. Again i contacted them regarding the matter and was told i can not have an update my account is under investigation and I will have to wait until this is complete. 

I have contacted them multiple times regarding this matter and still have no XXXX i keep getting told the same thing, no updates are available and I will have to wait until a XXXX has reviewed my account. 

No updates have been given top me even after a formal complaint was made and there is no correspondence from COINBASE to say the investigation is taking place i have just been left with my assists frozen and pushed to XXXX side. 

This is my only source of income and i am missing any opportunity 's to grow my funds as well as using this to live my life. 

I am unsure on what to do or who to contact as COINBASE give no indication of this being completed any time soon as well as other people on forums explaining they have the same issue going on for months - years. 

I something can be done to start the process of investigation or even retrieve my funds. 

XXXX Regards XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each month, I pay my XXXX card in FULL regardless of the balance. Last month, XX/XX/2021, I checked my credit card balance on both XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, the date my balance is due each month, my online XXXX account showed I owed {$1900.00}, so I processed a payment. My closing date is on the XXXX of each month, so on XX/XX/XXXX, before XXXX, I checked my account one last time and it showed I I now had a balance of {$700.00}, so I processed the payment early in the day before the cut off time via the " current balance '' payment feature. XXXX only allows you to pay the balance that's reflected on your account ; you're prohibited from paying more than that or else you'll be left with a credit. The " current balance '' option allows you to pay the full amount XXXX states you owe. 

This past week, while reviewing my credit card details on XXXX XXXX, I noticed that XXXX had reported to the credit bureau that I had a balance in the amount of {$290.00} in XXXX, which was never reflected on my account prior to my statement closing date. As I said before, I'm very on top of my XXXX credit card and student loan payments and have never made so much as a late payment in the nearly 12 years since I first opened my accounts. 

XXXX isn't accurately reporting my balance to me/updating my account in a timely fashion. This is the second time that this has happened. If you review my previous conversation with a XXXX rep via the chat function a few months back, the rep admitted that XXXX reported the wrong balance to the credit bureaus earlier this year -- I believe it was XXXX -- although I had a balance of {$0.00}. She stated I'd have to reach out to the bureaus to have this fixed. 

Furthermore, the payments I made in XXXX XXXX are very specific. You can clearly tell that the {$1900.00} and {$700.00} are the amounts that XXXX had listed on my account both days because they're not whole balances. For instance, instead of {$1900.00}, why wouldnt I just put {$1900.00} if these were balances I came up with on my own? Instead of {$700.00}, wouldn't I just process a payment for {$700.00}? It doesn't make sense that I'd come up with XXXX very specific amounts unless they were provided to me by XXXX. Furthermore, I'm only allowed to pay the balances XXXX provides to me ; they don't allow me to pay over that or else I'll be at a negative balance on my account. The {$290.00} was never listed or else it would've been included in the {$700.00} when I made the payments on the XXXX and XXXX. 

This has caused me a lot of frustration and anger ; XXXX 's supervisors are no help. This is the XXXX time within a year that they have made this mistake and affected my XXXX XXXX. Furthermore, I was charged interest for a balance that wasn't even reflected by the due date or statement closing date, thus, not allowing me to process a payment to cover the {$290.00}. 

I would like this removed from my credit report and the interest to be reimbursed. I will pursue this further if this isn't resolved.
Product: Debt collection

Medical recovery services. The first time they called about 3weeks ago at my work place which the man on the other line would not identify himself to my staff who answered the call and just said it is a personal call then when I answered the call the man would not identify himself except that he is from Medical recovery services but continue to ask me to verify my personal information such as bday, social security number which I told him that I will not verify anything until he tellls me what the call is about and his name and id # and to stop calling me at work so he hung up Then another call yesterday X/XX/17 in the XXXX around between XXXX. They called my office again and ask for me and this time they tiold my staff it is from medical recovery services but when my staff announced the call to me, the caller hung up. So i then XXXX the company that is when I learned they a debt collector. <P/>I feel my privacy had been violated when they identified themselves to my staff and did not stop when asked the first time to stop calling me at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Product: Debt collection

XXXX has sent an {$11.00} " debt '' to collections after I already called them to indicate that I do not have any kind of XXXX   account and that any charges were a result of fraud, credit card theft, or identity theft. I have a voicemail from their fraud department indicating that they were handling it and would remove the " debt ''.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX University in the City of XXXX XXXX. 
On Monday, XX/XX/XXXX I received an alert from experian that my XXXX XXXX had decreased. Upon checking, it said XXXX University had reported late payments. I was not sure what this was about. After much investigation on my own end, I realised that XXXX University is my loan servicer for my Federal Perkins loans. 
When I graduated last year and I sat down with my financial/loan adviser at school I was told all my loans were serviced by XXXX. I have been in touch with this servicer and was advised that payments are suspended and interest accrued is 0 % during these difficult times. I believe this to apply across board, including to my Perkins loans. 
Upon realising that XXXX University is a servicer, I contacted them via phone and email, but to no avail. I wanted to know how to pay the amount due, how to process this report, and just any help to get some answers, but no one returned my calls or responded to my email. Moreover, before reporting me to the credit bureau for late payments they did not as much as send me an email telling me that my payment is due, or that I am in repayment. There was literally no way for me to know this information, other than me spending hours trying to figure this out after my credit has been ruined. 
I am already undergoing a very strenuous time with this pandemic and this reporting is causing several hurdles in my ability to access funds. What is worse is that I am not even able to contact someone to figure out a way to rectify the late payment. Although the university shouldn't be penalising new graduates, when the degree they provide doesn't guarantee job prospects.
Product: Checking or savings account

On XX/XX/XXXX I purchased an engagement ring from XXXX XXXX for {$5000.00}. My debit card was declined, so I called Ally Bank. Ally advised me that they removed the block and to go ahead and retry the card. The card declined again and Ally advised me to retry it again for {$4900.00}. This repeated several times until a transaction eventually went through for {$4900.00}.

On May 17th I noticed that 6 duplicate transactions went through for this purchase. 1 was the last one that went through, 1 was automatically reversed by the merchant, and 4 were uncorrected duplicates. Of the 4 uncorrected duplicates, 2 were for {$4900.00} and 2 were for {$5000.00}. These totaled {$19000.00} in uncorrected duplicate charges, overdrafting my account.

I called Ally to have this corrected and they advised me that the dispute process would take 10 days after which I " may '' be awarded provisional credits. I advised them that I could not afford to be short {$19000.00} for two weeks, but they said they couldn't help me. They advised that the merchant couldn't help me either since this was a bank error, not a merchant error. Why can they not grant me a provisional credit when they know it's their error?
Product: Vehicle loan or lease

I bought a vehicle from a used car dealer USauto sales in XXXX in XXXX. So the car originally started XXXX XXXX XXXX XXXX XXXX XXXX XXXX only a few months of having it. I called the dealer and told theem what the issue was and they would come to get it and get it solved, i did put {$5500.00} down payment, and got my own insurance for the first time on my own so that was an extra XXXX $ roughly. I asked to exchange the car because i couldnt afford to pay rental and pay for a car that was broke. So it went on for about 2 months back and forth with the shop the car was at. Kept getting the waiting on dealer to handle the warranty excuse. So i called USautosales to figure out the hold up and thats when i was told there was no warranty applie to my vehicle and that the car was no longer in my possession because i was being charged and i guess it was not put into my account. So it wasnt until this week of XXXX, of XXXX that all this had happened with USauto sales and have been struggling ever since then. Because all that money put down and then paying for a car i didnt posess and then lied to about having warranty. So i would be very grateful for any kind of help. Im not asking for a XXXX dollars or a brand new vehicle but im struggling. And its because of that bad business doing i made.
Product: Credit card or prepaid card

I had a " locksmith '' come out to a hotel I was at to make a new keyfob as mine had been damaged. The locksmith quoted me {$280.00} written on a work order form. Although it seemed a little high I signed it anyway as they took a long time to arrive and I was late for a meeting. I then found my credit card was charged {$780.00}, not {$280.00}. I looked at the work order and they had written in additional items and changed the 2 to a 7, after I had signed and authorized the work. Attempts to contact the number on the work order went to a dead line. After further research I found out it was a fraudulent locksmith service that utilizes search engine techniques to direct searches for a local locksmith to a fake website that appears local, but the call goes to a central dispatch and an unlicensed locksmith performs the work at an enormous price. I filed a complaint with our state government and they confirmed it is a fraudulent service and sent the issue to the state attorney general for potential prosecution. I disputed the credit card charge and provided this information but they found in the merchant 's favor because there is a receipt with my signature on it.
Product: Debt collection

Did a dispute and got rejected. 
Requested validation letter and proof that I am responsible for the debt. Amount and dates of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update these suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Please wait... 
XXXX XXXX XXXX Print report XXXX Calculated using XXXX XXXX Provided by XXXX Personal Information NAMES REPORTED XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX ADDRESSES REPORTED XXXXXXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Accounts Here 's every account on your XXXX report. Click on the account name for more details. 

See an error? 
You can submit a dispute without leaving XXXX XXXX. Look for Direct Dispute in the details of the account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + {$0.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX 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
Product: Debt collection

Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report. 
You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 
LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with Greensky Trade Credit , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA was established for financing a home repair project via XXXX. I never received a bill for the completed project therefore, I had to personally contact the establishment to inquire. During my telephone conversation with Greensky, I was directly told the specific reason was directly due to an improper mailing address. They further stated that the correspondences had been returned to them a period of five months had elapsed. XXXX financed the project via Greensky. Therefore, there are two addresses listed on all documents. There are a physical address of the property and are my mailing address. These addresses were established at the initially from the onset of financing the construction. I repeatedly asked a representative of the company during my conversation with her why an invoice had not been sent. She justified action due to an incorrect mailing address. Prior to ending the conversation, I was told that an invoice would be mailed. To date, I have still not received the documents. A day after my conversation with the company representative I received an email alert notification of an adverse thirty-day delinquent credit report. In addition, a second adverse repot was listed on my credit report. An individual from the company whom identified as XXXX telephoned and left me a voice message in references to the account. The voice message directed me to return the telephone call. Upon retrieving the message I immediately returned the call. However, I did not speak with XXXX directly but another representative. I provided the reason I was calling and an email for any additional communications. The representative assured me that the message would be relayed and I left a voice message to ensure full communication of the issue. The company still refuses to provide me an invoice and any additional documents but they are being allowed to submit two adverse thirty-day delinquent credit reports.
Product: Debt collection

The rep calls and asks for me by first name, i ask who they are and they give their name and again ask for me, i ask again who they are with, and they refuse to identify themselves. The times they do identify themselves as glass mountain capital, it is after multiple attempts to ask them to identify themselves. This has happened everyday for at least three weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX  XXXX Balance Owed : {$2600.00} ; XXXX XXXX  XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00}.
Product: Credit card

I didnt authorize any of these inquiries, if I did please show proof of documentation bearing my signature of this information.