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

Dear Sir/Madam My case number with Coinbase is XXXX The Coinbase system is not sending out my secondary email address which I need to withdraw my funds. 

The primary address of XXXX works fine - I get the email asking for approval. 

But the secondary email which I need to approve which is to be sent to XXXX never arrives. I have tried everything they advise to try in their FAQs to no avail. And they are not responding to my requests for help. It's not in spam of course. 

They also state on the phone that they can't help with vault problems via the phone. So essentially my 3 Bitcoin is locked up. I have read about people having this problem for months at XXXX so there is a bug in the system. 

You can see here XXXX XXXX XXXX XXXX XXXX XXXX Some people waited for months to finally get access to their money. 

Coinbase needs to be held accountable for their problems and needs to provide better service for their clients. I have been waiting and trying now for weeks to no avail and am fed up. 

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

On aprox. XX/XX/19 i submitted a dispute about an account from XXXX XXXX appearing on my credit. Both XXXX and XXXX removed the account from my report because the company did not verify the information. Transunion failed to remove the account even though it was not verified by XXXX XXXX.
Product: Debt collection

This company repeatedly harassed me for years then sued me. The only way I found out about lawsuit is because I started to receive notices from lawyers in the mail and checked states local court records. AFTER responding to them by court they had someone to come to my house to deliver documents because in my response I advised I was not notified. After my response I still received harassing calls for payment although we were in litigation. The state was going to dismiss their case due to no response from midland and the day before set to expire they filed a response and sent by mail which I did not receive until AFTER court day. So of course by default they won suit. I have called several times these people make it so difficult to setup payments representatives are argumentative. I call to setup up payment arrangements set to be paid in full by XX/XX/23. I was advised I could not set up any arrangements but they would rather garnish my wages unless paid in full which of course would RESULT IN ME PAYING MORE INTEREST. I give in and make the payment and they refuse to provide a receipt. Stating they will send a letter in 10 days but will not give me any proof of a XXXX payment I made!!!!!! so after YEARS of harassing me and I finally give in CANT even have confirmation of the payment for my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I submitted 2 letters to Equifax regarding 4 hard inquiries that are on my report, from almost 2 years ago. I have let Equifax know that I wanted to dispute these because these inquiries are NOT mine. I have asked them to provide me with documentation bearing my signature that I authorized these creditors to run my credit and allow such inquiries to be placed on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have sent letters out on XX/XX/XXXX and to my knowledge the creditors have 30 days to respond or the inquiries have to be taken off my report. I have also written ANOTHER letter and sent it off XX/XX/XXXX. Both letters were sent by certified mail. I have also called Transunion and yet NOTHING has been resolved. Because these companies can not verify that I authorized these inquiries I am requesting these inquiries be taken OFF of my credit report immediately.
Product: Credit reporting or other personal consumer reports

I HAD TO HARD INQUIRES I ASK EQUIFAX TO REMOVE FROM MY REPORT XXXX XXXXXXXX XXXX DATES XXXX & XXXX UNDER 15 USC 1681 B2 PERMICIPAL PURPOSE YOU CAN NOT LEAVE A HARD INQUIRES ON MY REPORT IF I REQEST FOR THEM TO BE REMOVED I'M PROVIDING PROOF OF THE CURRENT CREDIT PROFILE WITH IT STILL ON THERE AS OF XXXX AND GIVING OUT FALSE INFORMATION IS A VIOLATION I ASK YOU'LL WAS THE INQUIRES WAS REMOVE YOU'LL TOLD IT WAS AND IT WASN'T
Product: Credit reporting or other personal consumer reports

In accordance with the advice from a recent advertisement, I have obtained a copy of my credit report and have noticed inaccuracies that concern me greatly. I take pride in my responsible financial behavior and do not wish for these inaccuracies to misrepresent my creditworthiness. I kindly request the removal of the following items so that my credit report accurately reflects my history as a responsible payer : XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX. Please delete this fraudulent account from my credit file ASAP.
Product: Credit reporting or other personal consumer reports

I'm in still in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX  XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

In my XXXX report, it shows Hard Inquires that are not mine and I do not know the companies that issued it : XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX COMENITYCAPITALXXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding the account listed as DPT EDXXXX on my credit report. This account, which was opened in XX/XX/XXXX and closed in XX/XX/XXXX, is still being reported by all three credit bureaus with an active payment history and current status, despite a {$0.00} balance and no activity since its closure. 
This is a direct violation of the Fair Credit Reporting Act 605 ( a ) ( 5 ), which limits the reporting of closed/paid accounts to 7 years from the date of last activity. Additionally, the inconsistent language between the three bureaus regarding comments/status also violates FCRA 623 ( a ) ( 1 ) ( A ) which mandates that all information provided must be accurate and consistent. 
Furthermore, if recent revelations are true that XXXX XXXX and DOGE ( Department of Governmental Engineering ) were given unauthorized access to educational records this is a violation of FERPA, which protects the privacy of student loan data. 
I am requesting immediate deletion of this outdated and inaccurately reported account from all three credit bureaus : TransUnion, Experian, and Equifax. If the account is not deleted, I request a full reinvestigation with a copy of the method of verification, along with the name, contact information, and authorization of the original creditor. 

XXXX XXXX XXXXXXXX https : XXXX
Product: Payday loan, title loan, or personal loan

I mailed letters to Tower Loan at XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX on two separate occasions : XX/XX/22 and XX/XX/22, yet a XXXX continues to call my phone, my work place, my mother, my sister in law and my husband DAILY from XXXX. She merely states that she needs to speak with me, as if she is a friend of mine. This is very misleading and I feel as though it is both unethical and fraudulent to be posing herself as someone who knows me personally. The letters plainly informed this debtor that I was being represented by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX AR XXXX and my attorney XXXX XXXX XXXX at XXXX. She has continued to ignore my letters and keeps calling XXXX, to XXXX XXXX of harassment for my employer, my mother, sister in law and husband. My letters gave them all the information they needed in order to cease and desist all communication with me and to ONLY communicate through my legal representation.
Product: Credit card

I disputed a {$100.00} Chase credit card charge for gas at a XXXX in California incurred on XXXX/16. I live in XXXX and was working in XXXX that day, as shown in my credit card statement. I disputed the charge, and Chase resolved it by telling me that because the credit card reader at the fuel pump read the magnetic stripe on my card, I authorized it. ( The charge was not signed ). I insisted to Chase that I was not in California, and it is well known that credit card magnetic strips are skimmed by fraudsters. They will not reconsider.
Product: Debt collection

I have tried to get collection company " Merchants Credit Guide '' and credit bureaus to remove a claimed debt of {$460.00}. XXXX  has already complied and removed the derogatory item from my report but XXXX and XXXX have not. Merchants credit guide only responded to my 1st letter and ignored my second letter requesting for proof of debt, 1st letter Tracking # XXXX - 2nd letter tracking # : XXXX. 

XXXX ( Tracking # XXXX ) and XXXX  ( tracking # XXXX ) also failed to provide me with proof of alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.
Product: Debt collection

I received a letter from Sunrise Credit Service Inc. claiming I owe {$390.00} to XXXX. However, I have never had XXXX  services at my residence. When I contacted Sunrise, I asked for evidence such as an agreement with my signature or proof of payments linked to this account, but they were unable to provide any. 

I believe this debt may be a result of identity theft, possibly involving the misuse of my social security information. I request assistance in removing this erroneous debt from my credit report and investigating the matter further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX XXXX XXXX XXXX XXXX  cant provide to my XXXX XXXX XXXX XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit card or prepaid card

On XX/XX/XXXX I was Denied for Capital One Visa Credit card because of my XXXX XXXX XXXX XXXX XXXX .I am a Military Veteran. On the letter of application ID # XXXX of Capital One Bank states that I was because of many deliquent past or present Capital One Credit obligations. I do n't have no Capital One credit cards active or Capital One Bank collections on my credit report with XXXX, XXXX and XXXX, bankruptcy chapter XXXX that was filed on XX/XX/XXXX and Discharged on XX/XX/XXXX by XXXX, Texas Federal Judge. On XX/XX/XXXX Capital One sent me a letter with application number # XXXX and Capital One Case # XXXX with CFBP case # XXXX. Capital One administration will not issue me a Visa credit card and continuing to Discrimate and Retaliate against because of National Origin as a XXXX and Military Veteran. Why Denied a XXXX Citizen and Military Veteran because a filed Bankruptcy chapter XXXX and XXXX and XXXX XXXX XXXX?.
Product: Credit card

XX/XX/XXXX a XXXX  XXXX bankruptcy was filed. All of my credit cards were closed. 

XX/XX/XXXX My attorneys office negotiated my overwhelming credit card debts ( no payments were ever late ). 
All payments were made as agreed with the couple of credit cards that were involved. 

However Chase kept returning my bank checks. The agreement was for 3 payments. One payment was accepted, the other 2 they kept returning. I called them and they refused to tell me where to send the checks because " I was represented by counsel ''. After many calls, they finally told me where to send the checks and I did, certified mail, receipt requested. I thought our agreement was completed and the debt satisfied.

No contact attempt has ever made to me or my attorney to the contrary. The large envelope I sent was never returned to me. 

Chase reported to the credit bureaus 4 year later! 
{$14000.00} Charged off/CO XX/XX/XXXX A duplicate reporting for the same duplicate amount on XX/XX/XXXX. 6 years later after debt was satisfied. 

Damaging my credit all over again. XXXX points down overnight and still dropping.
Product: Credit reporting

I ordered a copy of my credit report from Experian and was billed {$1.00}. Unbeknownst to me that enrolled me in some sort of membership. I successfully canceled the service going forward. However, getting a refund was another story. The money came out of my account on XX/XX/XXXX and I called on XX/XX/XXXX. They refused to issue a refund and put me on hold for over 20 minutes and refused to refund the money.
Product: Credit reporting or other personal consumer reports

The information that is being reported on my credit report is from a fraudulent account. I have sent the information to Transunion, XXXX and XXXX XXXX XXXX detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX Florida XXXX is from a fraudulent address. Please remove
Product: Vehicle loan or lease

On XX/XX/XXXX I, XXXX XXXX, purchased a vehicle ( XXXX XXXX XXXX XXXX ) from US Auto Sales XXXX. I used their in house financing & I also purchased a vehicle service contract for {$3500.00} included in my loan. My contract number is XXXX & that company is XXXX. When I purchased the vehicle it had XXXX miles on it & I was told my service contract would be active XXXX miles from that odometer reading. My car broke down in XX/XX/XXXX. When I contacted the service warranty department & they informed me that US Auto Sales failed to pay them for my service warranty & had done this to thousands of other people & that they were shutting down & there was nothing I could do about it. I was forced to create a go fund me to come up with {$2400.00}. Now a few days ago ( XX/XX/XXXX ) my car has broken down again & requires more maintenance that I can not afford. I am unable to get it fixed & unable to pay for a car that I can not drive because now I have no way to get to work. What US Auto Sales has done to me is gut wrenching because I have always made my payments on time & when they misplaced my payment for my service warranty, they stole {$3500.00} from me that I could be using to get my car fixed. I had it less than 1 whole year before it became inoperable. Its unacceptable & I would like my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this on XXXX to dispute the following information on my credit reports ( XXXX, XXXX, and equifax ) : Inquiry from XXXX XXXX  on XXXX I never authorized this inquiry and am a victim of identity theft. Derogatory mark Charge-off on XXXX XXXXXXXX XXXX XXXX I am a victim of identity theft and disputed the account months ago regarding unauthorized activity. Since then, the account had been paid off and the mark needs to be removed. Please investigate this matters urgently and delete them from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
In accordance to the fair credit reporting act XXXX XXXX  Account # XXXX, Has violated my rights. 
In accordance to the fair credit reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights In accordance to the fair credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights In accordance to the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights In accordance to the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights In accordance to the fair credit reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance to the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 


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 Furnished my account without my written consent
Product: Credit reporting or other personal consumer reports

No idea of this account. Address on report is the complex next door to my old residence. Never stayed there. Never been evicted. This is Fraud. Original creditor XXXX XXXX XXXX XXXX. Debt sold to XXXX XXXX XXXX  for XXXX. This address and debt is unbeknownst not mine. Ive already disputed this account with XXXX. Also An XXXX account that I never had and XXXX Also. I have never had a fancy phone. Always a government phone. I am on food stamps. I can not afford these phones that are XXXX of dollars. I live in a government subsidy. I was just homeless and lost all my identification within the last 2 3 years and thats when all the fraud started. XXXX XXXX XXXX is {$2600.00} already disputed and police reports made. XXXX XXXX {$1200.00} disputed and police report made.
Product: Debt collection

In XX/XX/XXXX of 2016 I realized that my bank account had been garnished by XXXX XXXX XXXX for approx. {$260.00}. Shortly after that I received two letters from XXXX XXXX. One stating that my account was set to be garnished altho the garnishment had already happened and then later one stating that it was illegal for them to garnish this account as the deposits were from my Social Security and VA benefits. At this time I reached out to RAB Performance Recoveries to see what was going on and if they would settle the account for {$1200.00}. They informed me that a settlement would not be allowed and that I would need to pay the balance in full. They also stated that the account would continue to accrue interest at 4 % per month and that I could not stop them from taking it out of my bank account. 

Currently I am attempting to refinance my home so that I can lower my payments and make my home affordable to live in. During the process of the refinance my lender informed me that there is a judgement from RAB Performance Recoveries that is preventing me from being able to close on my loan. The processor working with my lender began to reach out to RAB to get payoff information. After weeks of calling in and not reaching anyone at RAB she finally got a call back. They informed her that XXXX XXXX XXXX are now handling the account and provided the processor with thier contact information. When she called in to to XXXX XXXX XXXX the collector ( XXXX ) began to provide tons of my non-public personal information to her without my consent. I never signed or authorized them to release this information and according to my processor the information was given at will. My loan officer then called me on a three way with XXXX XXXX XXXX to see if he could assist me with working out some sort of debt settlement. At that time the collections agent ( XXXX ) still did not ask my permission before divulging my personal information. This is a violation of my privacy. 

They pulled funds from my bank account that fall under the exempt rule when garnishing a bank account. I am a XXXX XXXX Vet that is on SSI and receiving social security. I explained this to the collection agency that I needed to be refunded the exempt funds but they refused to do so. I would like to be refunded the fee garnished from my bank account
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX. Wells Fargo XXXX XXXX incorrectly reported to XXXX And XXXX XXXX that account is 30 days passed due. The account was closed and paid in full on XX/XX/XXXX. I've asked that proof is provided of the late payment status on the account effective XX/XX/XXXX or delete the negative status on this account. The negative status should not have been reported on the account that has been closed since XX/XX/XXXX. According to the Fair Credit Reporting act. this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy USC 1681 604 section 2 ) It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on the account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting

XXXX XXXX is not reporting correctly to the Credit Bureaus. According to both XXXX and Equifax my balance is {$2100.00} with the last reporting dates XXXX XXXX. That is inaccurate because according to XXXX XXXX XXXX XXXX website my balance is {$1000.00} with the last payment date as XXXX XXXX in the amount of XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX