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

XXXX. Problem Description On XX/XX/year>, I registered an account on Coinbase, deposited {$1800.00}, and used the funds to purchase virtual currency through the platform. On XX/XX/year>, I received a message from Coinbase notifying me that my account was under review. The message stated : As a regulated company, we are required to comply with regulations, including reviewing accounts. We need some time to verify your information. During this process, you will not be able to use Coinbase. Usually, the review process takes no more than two days, but in some cases, it may take longer.

Later that same day, I received a message in the app asking if I had any relationship with a person in my home country. I responded No. However, my account remains under review, and it has now been over three days without any resolution.

2. Impact and Damages As of now, the funds in my account ( {$1800.00} USD ) and the virtual currency I purchased remain frozen. Due to Coinbases inaction, I am unable to access or trade my assets, which has resulted in financial losses because of the depreciation of the cryptocurrency I hold.

3. Attempts to Resolve I have repeatedly contacted Coinbase customer service via their in-app chat, but all responses have been automated. There is no option to speak with a human representative, and no progress has been made in resolving my issue.

4. Request for Resolution I am requesting the following : 1. Immediate Action : Expedite the review of my account or provide a detailed explanation of why it is being delayed.

2. Funds Release : If the review can not be resolved promptly, I request that Coinbase return the {$1800.00} USD in my account.

3. Compensation for Losses : Compensation for the financial losses caused by Coinbases delay and lack of communication.
Product: Credit card

Multiple transactions that were not supposed to be approved on an account that closed. Account ending in XXXX XXXX- {$51.00} on XX/XX/13 and XX/XX/13 ; I have addressed this and assigned a new account number ending in XXXX. XX/XX/13 has not been refunded. This company was supposed to be blocked and they do not have the new credit card information. 

XXXX {$14.00} - I communicated this to XXXX XXXX but they told me the charge came from the account ending in XXXX. It did not because this information is not attached to the XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Fortiva financial is claiming i owe them over {$500.00} i went for a consultant at XXXX but never had the XXXX. The total cost for this was over {$2000.00}. Fortiva understood and credited the account all but {$580.00}
Product: Credit card or prepaid card

Hi, I recently paid my credit card payment with capital one XXXX XXXX thru auto pay. My auto pay payment was posted for {$35.00} and to my understanding, I didn't needed it to worry about my payment until the following month. To my surprise, two days later I received an email stating I was late on my payment and that I needed to pay an extra {$2.00}. 
I did end out paying the extra {$2.00} but, I later found out I received a {$25.00} late fee. I contacted customer service and she explained how the system fluctuate on a monthly basis, and that my payment was supposed to be {$37.00}. 
She later explained for future reference, she could increase the minimum payment on my auto pay but, she couldn't not issue a credit. I asked to talk to a supervisor and I went over my case to him. He listened a mere 30 seconds to my complaint and transfer me to another agent with the claims department. He went on to said the same thing the first agent said to me. At that point, I felt I was not going to get a fair resolution regarding my late fee charge. 
My questions are : Why Capital One allow in their system to set a minimum payment if the amount fluctuate on a monthly basis. 
If auto pay is set for an account, why the system doesn't adjust the payment accordingly. 
There was no notification stating minimum payment was {$37.00}. 
Auto pay is supposed to be a tool to avoid late charges and remind payment for those that have a busy life. 
No empowerment to make sense of what's right to consumers and realize of the situation. ( No agent or supervisor explained clearly of why I was being charged ) How many cases like mine are being processed and consumers being charged for this loophole in the system. 
This is a complete rip off from a so called respected financial institution.
Product: Credit reporting or other personal consumer reports

My informations were exposed without my permission as a result of data breach by XXXX Equifax and XXXX. I have reached to all three companies with unsatisfactory results.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from The Huntington National Bank dated XX/XX/2021. The letter was received XX/XX/2021. A copy is enclosed. The letter was a confirmation regarding a new Asterisk-Free checking account. I did not open this account. 

This is a fraud scheme. 

I called the Bank today and spoke to a MsXXXX XXXX XXXX. She confirmed that my social security number had been used to open this account. She stated that the matter would be referred to the Bank 's Fraud Investigation Unit. The Reference number given to me is XXXX. 

I decided to also send this Complaint to your office. 

The Bank Officer advised me to destroy the Debit or AM Card, if received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is falsely reporting late and past due payments to credit bureaus. In addition to false reporting, as of XX/XX/2021, I am participating in XXXX 's payment program that reduced my monthly payment. The first payment due on XXXX 's program and as agreed to was XX/XX/2021 in the amount of {$250.00}. I made the {$250.00} payment. As of XX/XX/XXXX, I received harassing phone calls from XXXX stating they were attempting to collect a debt. During the call with XXXX, I asked why are they calling when I'm participating in their payment program and I made the first payment. The response was that I missed back payments on the program. I replied that is a lie because the first payment on the program was due XX/XX/XXXX. The XXXX staff acknowledged my payments and stated they are requesting an additional payment while on their payment program to bring the account current. What's the point of a payment program when the retailer does not honor the terms and condition of the program or the payments received? XXXX continues to falsely report past due and late payments in a malicious and unlawful manner. There are no missed payments so there is no past due amount or late payments. My payments are made on time every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Transunion on XX/XX/2023, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX
Product: Debt collection

I have made numerous calls each week for the past XXXX weeks attempting to speak to someone regarding this account that they are attempting to collect a debt on. This account is a case of identity theft and the company will not allow me to submit anything regarding this. They wont return my calls and they keep telling me that I need to speak to the compliance department but the compliance department does not answer the phone and they dont return any of my calls. I can provide whatever documentation needed from my cell phone company to prove the amount of calls made to this company.
Product: Debt collection

Received a letter from American Coradius International LLC ( XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX NY XXXX ). 

The letter stated that American Coradius International LLC is a debt collector and that I owed XXXX {$38.00}. 

I have not responded to this letter as I have NEVER had a XXXX account or used XXXX in any manner.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The accounts being reported are well over the age in which they should be reported, and the accounts have been paid in full due to the XXXX XXXX XXXX lawsuit.
Product: Debt collection

XXXX XXXXXXXX bank was the original debtor owed. XXXX bought this account and tried to collect a debt, Well I didnt sign any contract with LVNV so this debt should be void. This has been going on since 2016 and it shouldnt be on my reports in the first place. If no contract or verbal authorization from myself was approved then legally they can not collect and should be taken off my credit report ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXXXXXX Account XXXXXXXX XXXX Account Number XXXXXXXX XXXXXXXX  Account Number XXXXXXXX XXXX Account Number XXXX XXXX & XXXX Account Numbers XXXX 15 U. S. C 1681 Section 602 A States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did a true and accurate investigation and found out this information had to be deleted from my credit report. TransUnion and XXXX did not do a fair and accurate investigation and is still reporting this account as accurate.
Product: Credit reporting

I paid my balance in full to reflect on my credit report through XXXX XXXX XXXX XXXX XXXX XXXX in XXXX original creditor was XXXX XXXX Retail orignal creditor acct # XXXX, when I went to apply for a home loan the mortgage company pulled my credit and it does not show as being paid in full and still shows a monthly payment and shows as delinquet and was not deleted as promised by the creditor upon payment. Equifax has already deleted this off of my credit report and I would like to request that Experian and Transunion does the same.
Product: Checking or savings account

Bank of America Merrill CMA account force me to fund my account when my e EE-i series government issue bonds an my ETF account N my dividend growth I never received any of my funds now my account is open I requested check an credit card other brokers need to be mail to me funds must start receiving payment deposit to my CMA account as credit merger my account I'm title to my funds don't belong to the company they are government issue bonds stocks shares if the company can't manage holding stocks than they need to close down
Product: Debt collection

Around about XX/XX/2020 two accounts checking and savings was acquired through Bank of Oklahoma. In addition, the accounts were opened to transfer money from a job ( XXXX XXXX XXXX ) and to save money for rainy days and invest in future endeavors. On that same very day there was a conversation with Mr. XXXX XXXX a loan officer with the Bank of Oklahoma about squirting a secured credit line for the purpose of establishing a viable credit profile. On XX/XX/2020 a secured credit line was obtained through XXXX XXXX XXXX an affiliate of the Bank of Oklahoma. Nevertheless, attributed to the mishandling of information by the individuals within the Financial Institution private information was utilize to SPEAR PHISH a personal email address for the purpose of defrauding the consumer of building a reputable portfolio. In this email which came ( 17 ) days after opening the secured credit line, the perpetrator disguised himself as a affiliate with XXXX. Furthermore, this person offered an opportunity of making {$750.00} extra for allowing them to use the vehicle for advertisment of their company logo. How ever after excepting the off a check was sent to me from another supposed Financial Institution by the name of XXXX XXXX. {$200.00} was distributed and the other funds where placed on hold to establish funds availability with the other bank. Moreover, after ( 3 ) days funds were distributed to the account holder just to discover a few days later the funds where not available. Nonetheless, after it was discovered the check which was cashed was fraudulent a hold was placed on the account and eventually discontinued. However, the case for closing the account was not determined on a legitimate basis and was therefore terminated on other grounds which did not evidence the consumer was at fault. Arrangements where made with the Bank of Oklahoma to bring the account back into good standing but despite the efforts the account was nonetheless disregarded. Subsequently attributed to the allegations of fraud money 's which where saved in the savings/checking account {$370.00} was not given credit until after notice was given that the account was closed with funds available. Moreover, the Bank of Oklahoma secreted XXXX transfered through direct deposit from the form employer after the account was closed. I assert that what transpired through this transaction with the financial institution was a travesty of good business on the part of the financial institution having access to private information. The transaction which accord was strategically done to stop the advancement of a noteworthy credit file. Moreover the consumer was targeted by the financial institution due to race and or the XXXX of skin. Furthermore, the actions evidence that information being shared is responsible for the deception of a financial institution held to a higher standard than its constituents. It is believed that the actions were taken to the deprived the consumer of his right to Fair Credit Reporting Act and utilize to deframe and slander the reputation of the consumer.
Product: Debt collection

KOHLS/CAPITAL ONE is refusing to remove old account from my credit report. This is an old debt and has reached its statue of limitations. Account was reported by Kohl 's in XXXX 2008. Kohls state that my account is no longer with them. They sent it through a XXXX party XXXX. I contacted XXXX and they say this debt is too old and they have sent it back to Kohl 's. Kohl 's denies that they have this account and refuses to inform XXXX that this account is outdated ( over 7 years ) and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a credit report and discovered that the three credit reporting agencies, XXXX, TransUnion, and XXXX, are all erroneously reporting my information. 

My date of birth, Name, Address, as well as my employment are all being reported incorrectly. 

Account # XXXX from XXXX XXXX XXXX is reporting the incorrect date opened, last reporting date, last active date, and last payment date to XXXX, TransUnion, and XXXX. 

Account # XXXX from XXXX  XXXX is reporting the incorrect date opened, last reporting date, last active date, and last payment date to XXXX, TransUnion, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am a victim of identity theft cause by Equifax and XXXX data breach. 
Numerous accounts and address were open fraudulently with my information. I have sent Equifax lots of letters and police reports, also Identity affidavits over the years. Equifax fails to practice 605B of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This account was canceled on the following date : ( XXXXXXXX XXXX ). Since then, the account has been updated as canceled every month. This is an update in the payment history. A canceled account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You did not investigate this account properly, and your negligence has violated my rights. I demand the deletion of the following account : XXXX  Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Voss & Klein , LLC ( a collection agency ) continues to report a debt that is not mine to the credit buro 's and is causing me serious damages. They are claiming that I owe them over {$1700.00}. I have disputed several times and communicated multiple requests for validation and disputed the report. They don't stop! I ask for proof of the account belonging to me and why they believe that and I have nothing from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased 4 phones and services from XXXX. Prepaid 1 month service and taxes. Over {$400.00}. 
I only activated 1 phone. We couldnt get setvice. XXXX tried to fix it. No luck. We returned the phones within 10 days. I only got a partial refund. 2 months later I get a collections account added to all of my credit reports. Ive call the store and customer service. I learned that the collections company is part of XXXX. I got no where.
Product: Money transfer, virtual currency, or money service

Hello, On Friday, XX/XX/2021, I received emails that someone by the name of XXXX XXXX was added to my account and initiated a wire transfer for {$18000.00} that I did NOT authorize for this person. I don't know who this XXXX XXXX person is and have never heard of him, this is a very cruel and vicious act he has done to me. I immediately called Wells Fargo Fraud department and asked them to stop this transfer and the representative was very nasty to me and told me to go in the branch and verify my identity and I asked to be transferred to a manager or supervisor and she hung up on me, I was begging her to stop this, and it is on the recorded call from Wells Fargo, had she stopped this transfer this could have been prevented. I even told the representative to look at my account history I would never deplete my account and send someone my entire savings, this is clearly FRAUD. I have always trusted Wells Fargo due to previously when I have traveled, they have called and verified activity on my bank card and ask me if I was traveling, they have always been very thorough with detecting suspicious activity. I have been a customer with Wells Fargo for 23 years and nothing has never happened to me like this before. The Fraud Department tried to do a recall from XXXX XXXX, but they stated the money was gone and there was nothing to recoup. I have been saving that money for the last 6 years to purchase a home and I am devastated. That transfer cleaned my account out, they even took my job check that was deposited on that Friday, I can't pay my bills nor buy any food. I really need someone to help me because I don't know what I am going to do and help me get my money back. Wells Fargo is stating the money is gone and there is nothing they can do, this is so unfair, and I know something can be done I need my money back, I cant take a loss, can someone please help me. I can also be reached at XXXX. I have also filed a police report # XXXX. I am in a dire situation with needing my money back in my account. 

Below is the transfer information : wellsfargo.com Your Wire Transfer is being processed You recently submitted the following transfer : Transfer details To account XXXX From account XXXX Amount {$18000.00} Send on XX/XX/2021 Description New car Confirmation number XXXX If you did not submit this transfer, or if you have questions, please call Wells Fargo Online Customer Service at XXXX. We are available 24 hours a day, 7 days a week
Product: Checking or savings account

I opened a new checking account with US Bank in XXXX of 2022. I have been an existing checking account holder for 15 years. I received a promotional email to open a new checking account, set up direct deposit and receive a certain amount back {$200.00} or {$400.00} depending on the amount of direct deposits within the 90 days. I called to verify before opening the account that was eligible since I already had a checking account. I opened the account. Met all requirements. I called XX/XX/XXXX to verify. Spoke with 2 different agents and was told I met all requirements and the promotional cash back should be in my account within 3 to 5 business days. I opened a chat this morning and was told I was not eligible because I already had an account open. I asked why I received the promotional email in the first place. No answer. I explained that I had verified before opening the account. No response. The agent I spoke with had no recourse on anything that I could do. This is unacceptable and I believe they wanted another open account to charge monthly fees. The misinformation is also not acceptable because I should be able to trust what any representative tells me, especially for the institution that handles all of my income.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I sent Experian, XXXX, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.