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

My name is XXXX XXXX. 
My Money was stolen from my checking account by Coinbase INC. 
PLEASE HELP!! 
Coinbase account : XXXX Phone number linked to my coinbase account. ( XXXX ) XXXX On XX/XX/2021 approximately XXXX I noticed a spike on my coinbase account from approximately {$350.00} to {$2800.00}. ( I wondered where funds came from ) At this time was holding some funds on bitcoin ( BCT ) some were around {$200.00}. And some funds on Wrapped Bitcoin ( WBTC ) approximately {$150.00}. Total invested little over {$350.00}. 
I started searching where funds came to my coinbase portfolio account from, And I discovered that funds came out of my personal checking account It was 4 different withdrawals 3 times from my debit card and one time directly from my checking account. 
Debit Card : {$420.00} + {$1400.00} + {$2200.00} Total of {$4100.00} and and then {$3000.00} form checking account TOTAL OF {$7100.00} Pus about {$350.00} funds from bitcoin, So total {$7400.00}. 
I don't understand how it can happen when I have to do 2 times verification to do any type of transactions, First I have to receive 6 digit code to my text on my cell phone and second time I have to use Authy 6 digit code which is changing every 30 seconds.

All funds were taken out of my coinbase account to The unknown accounts. There are a lot more small details.

At the end my bank account was overdraft for {$330.00} which at the end I had to come up for this amount to cover up overdraft. 
On XX/XX/2021 I tried to contact COINBASE with very confusing automatic questions, most of them not related to my case. So coinbase blocked my account after I made a report over the phone and my PC to through automatic answering questions. 
Then I could only see what was going on on my coinbase account but it was blocked to perform any type of transaction. 
Multi billion dollar Coinbase corporation does not have any kind of customer service like phone or life chat. They don't respond on my e mails or requests on my fraud status through automatic system on there help website, I wrote probably over 70 e mails, letters,, and so far i did not have any respond accept an original respond to my email that they will investigate my request, so far i have nothing from coinbase. 
I did some research on coinbase fraud and there are 1000 's of complaints about that coinbase ripping off customers and simply stealing customers money. 
Coinbase simply stole my money. 
At the end I am out of {$7400.00} The whole thing is nothing but a Nerve Wracking, I don't know where to start. 
Somebody PLEASE HELP ME!! 
( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I continue to receive calls from Fay Servicing despite me being current. I was on the phone with a representative today, XX/XX/2022, between XXXX XXXX AM EST. The representative I talked to was being rude and accused me of calling to start a fight when I called to inquire about why I received a letter that even mentioned the word " foreclosure ''. I was understandably frustrated. I was also very transparent and shared that the company does not have good reviews on either XXXX or XXXX. I was honestly hoping to receive some type of reassurance that my mortgage was in good hands. The rep I spoke with has left me feeling even more concerned. 

My mortgage was transferred to Fay Servicing on XX/XX/2022, from XXXX XXXX. Under federal law, I have a right to a 60-day grace period in which I can not be considered late or anything. I paid my mortgage recently. Twice... .two payments. During the window, I kept receiving calls from Fay Servicing which should not have been happening. Furthermore, when I first registered with Fay Servicing online, the dashboard said I was XXXX days late dating back to XX/XX/XXXX but the loan didn't actually transfer until XX/XX/XXXX. On XX/XX/XXXX, I received a letter stating that I have delinquent payments. Fay Servicing has a reputation for foreclosing on people 's homes unjustifiably. It is my understanding that they recently faced a lawsuit. 

If I am being overactive in my approach, my apologies. I will rather be overactive and proactive than inactive and reactive, especially when it comes to my personal affairs which include my home. My home is my biggest and proudest investment and I can not stand idly by to watch an incompetent lender with a terrible reputation prey on the very thing I worked so hard for. 

I look forward to talking with someone soon to get clarity and assurance.
Product: Mortgage

Wells Fargo is reporting a mortgage on my credit report that was awarded to my ex wife XXXX and should not be on my credit report. I have attached documents to support my claim.
Product: Credit reporting or other personal consumer reports

I sent this request that the credit Bureaus reinvestigate the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out a letter to Experian on XX/XX/2021 asking them to fix incorrect late payments. I haven't heard back from these two bureaus since I mailed out the letter. I provided documents with the payments on them to the bureaus showing I paid on time and they took no action. I have even previously asked them to verify with creditor that the payments I made were late to which I had no response. I want the payment regarding my XXXX account corrected to paid as agreed.
Product: Credit reporting

XXXX, CA. XXXX XXXX XXXX XX/XX/2017 1. XXXX, IN XXXX 2. XXXX MI XXXX 3. XXXX, PA XXXX 4. Copy : ( 1 ) TRANSUNION ( 2 ) XXXX ( 3 ) XXXX RE : CREDIT REPORT CORRECTION : XXXX The attached STATEMENT OF ACCOUNT from XXXX has written off this debt collection to XXXX balance. 
a. I am requesting XXXX, XXXX and XXXX to stop their continual harassment, fabrication of lies, and distortion of facts of fraudulent debt collection on this case immediately. 
b. I am requesting that XXXX to report this item to credit bureaus of TRANSUNION , XXXX and XXXX as per the statement of account attached to stop the fraudulent business practice of XXXX 
c. I am requesting from TRANSUNION ( 2 ) XXXX ( 3 ) XXXX that this debt collection still listed on my credit report be removed and should be disregarded by the credit bureau agencies ASAP. 
d. I am demanding that XXXX order the removal of this item off from my credit report. 
e. I did not signed, received or order any treatment from XXXX, the XXXX Sheriff Department order and signed off for this treatment to cover up an illegal arrest and I was never treated by XXXX, the {$0.00} balance as indicated in the statement of account attached should be updated with the credit bureau as {$0.00} balance and this items removed from my credit report ASAP.
Product: Student loan

Hello, I was a student at XXXX XXXX College. Due to federal loans covering only a part of my education, the school insisted on getting a loan through a private company. While attending school, I was required to make payments every month. XXXX breached due to the sudden closure leaving me to pay off a loan for an education i did not receive.
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Intake Division - XXXX In Response to XXXXXXXX XXXX XXXXXXXX Complaint This case stems from when the XXXX XXXX XXXX XXXX XXXXXXXX, through their attorneys at XXXX XXXX XXXX XXXX, sold the same property via foreclosure to XXXX parties.XXXX  XXXX, who soon afterwards became our client, purchased the property the second time from a Foreclosure auction
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has repeatedly failed to dutifully investigate incorrect information on my public report For an account listed on my credit report that is invalid and not open. TransUnion has repeatedly taken the side of a collection company that refuses to provide proof that I have an account open with the company listed on my credit every month as " XXXX XXXX ''. TransUnion reports the account as verified accurate despite that the collection company reports false and misleading information about me, and refuses to provide validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Accounts : XXXX XXXX XXXX Account XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : # XXXX XXXX XXXXXXXX XXXX XXXX XXXX This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the rights 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 Also the credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking # XXXX # XXXX # XXXX # XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting late payment into my credit reports falsely, we have made an arrangements to have the account paid into this promotion for XX/XX/2020 for {$220.00} XX/XX/2020 and XX/XX/2020. each month as special deal. but the corporation fail to update that into the system reflecting my account late and with overdue payment as default on their system. 

I have made payments as arranged, XXXX Paid, as well XXXX, XXXX payment coming soon, I see all-ready late fees applied to the account for all this month and as well reported late on the credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I have been disputing with Equifax via certified mail for the last year or so about a reporting error that needs to be corrected, Yet EQUIFAX always comes back and says that the account was verified as accurate. XXXX XXXX XXXX  Account number XXXX XXXX continues to report that it is 90 days past due for XX/XX/XXXX. This can not be humanly possible seeing that the previous month XX/XX/XXXX was reported as paid on time yet, XX/XX/XXXX, and XX/XX/XXXX have missing data. I have mailed in dispute letters with a copy of my drivers license and a actual print out of the actual credit report where the error is being reported, Yet month after after month I always get the same result without any real investigation taking place. This has caused a great deal of stress to me because it's clear as day that this account is being reported inaccurately! Equifax has violated FCRA 15 U.S.C SEC 623 ( b ) Duties of Furnishers of Information upon Notice of Dispute ( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer repo ting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, re- port those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. I have attached proof for your review.
Product: Credit reporting or other personal consumer reports

XXXX XXXX NA, inquiries on XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, 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 604 A. Section 2 : it also states a credit reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may may make any consumer report containing any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reason to believe that the information is inaccurate. I never filled out for a XXXX  XXXX credit card and was incarcerated from XX/XX/XXXX to XXXX XXXX. This account was filled out for while I was incarcerated I explained that to them and they never took it off. They did take the debt amount down from {$1300.00} to {$0.00}. Which I am grateful for however it still is marked on my XXXX account as a charge-off and has been on my credit report for years while I was in jail. I disputed it when I got released and also made a complaint with the CFPB back in XXXX and they still have not removed it. I have also been filed a identity theft report with the proper authorities. Please help me.
Product: Debt collection

I disputed the charge online with the collector. They sent me another notice and I told them I was disputing it because it was for charges for a phone I returned and XXXX did not properly close the account, reopened it and started charging me 4 months later. 

I spoke with XXXX several times on this issue and they continued to charge me. I contacted them again on XXXX and they told me they were submitting for a refund. 

When I spoke with the collector again today I told them I was disputing - I had already disputed with XXXX. They charged my credit card for the amount today without authorization - this bill is incorrect and an error on XXXX side. 

I spoke with XXXX later in the afternoon and again it is being submitted for a refund. The case # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4000.00} XXXX  {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX AUTHORIZED USER Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I will provided attached documents that shows all violations. First off once the debt was sold to NCA the contract became null and void, I did not ever give NCA written concent to report on my credit. The letter they provided via my dispute states if I want to communicate with them I can contact their attorney. The origional company stated under Lender is different from what is on my report. The Principal amount on the contract is different from that of what is owed on my credit. The date of account opening is also different. Thats 6 violations at {$1000.00} per violation acording to The FDCPA. I am also demanding {$5000.00} in damages from the impact of the derogatory report on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently denied an application at XXXX XXXX in XXXX. They used a rental check service from http : //www.on-site.com/renter-relations/. Their website claims that renters can obtain a free rental report by submitting a form on their website. I have submitted a request on XXXX XXXX and XXXX. I have not received any form of communication relating to my rental report. 

I have tried using their live chat who said that they could n't help and recommended that I call their phone lines. I called their phone lines and have waited over 45 minutes 3  times without getting anyone on the phone. This company has given me a XXXX rental rating which in turn is making it hard for me to apply to apartments. There is no way for me to communicate with them to see what is on my rental report so I have a chance to dispute if there are any inaccurate reporting. 

I have attached email confirmation of my request for rental reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND TRANSUNION ARE REPORTING THAT I HAVE STUDENT LOANS FROM THE DEPARTMENT OF EDUCATION AND FED LOANS SERVICING. THEY ARE DELIBERTLY PUTTING DUPLICATE ACCOUNTS ON MY CREDIT REPORT ON PURPOSE. XXXX SAID I OWE XXXX IN STUDENT LOANS WHEN I ONLY OWED XXXX. NOW THAT XXXX HAS PAID THE XXXX? IT SHOWS THAT I STILL OWE XXXX. THIS CREDIT REPORTING AGENCIES ARE DOING THIS ON PURPOSE AND IT IS NT RIGHT TO THE CONSUMER. THIS INFORMATION IS INCORRECT AND SHOULD BE REMOVED AT ONCE. STUDENT LOANS. BELOW IS THE XXXX ACCOUNTS STILL OPEN ON MY TRANSUNION CREDIT REPORT {$11000.00} Reported balance XXXX XXXX {$7500.00} No Info XXXX XXXX {$3500.00} No Info XXXX HAS THAT I STILL OWE Total open balances {$68000.00} AFTER XXXX HAS PAID ALL OF MY STUDENT LOANS OFF!!! THEIR RESPONSE IS TO FILE XXXX DISPUTE WITH XXXX BUT THIS IS GOING OVER AND OVER WITH THE SAME SITUATION. WHY CANT THEY REPORT THE TRUTH FOR A CHANGE. I DONT OWE ANYONE!!!! FOR ANT STUDENT LOANS AND THIS IS NOT FAIR THAT THEY ARE STILL REPORTING EVERY MONTH THAT I OWE CAUSING A NEGATIVE IMPACT OB MY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE HAS OPEN SEVERAL ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND ID NUMBER XXXX DID NOT OPEN THESE ACCOUNTS THE ACCOUNTS ARE FRAUD AND I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is regarding to my credit score. on XX/XX/2022 my credit score was XXXX and on XX/XX/2022 my score decrease by XXXX points to XXXX there is no change on report, 0 % debt on my credit cards, no delinquency, only 1 inquiry in last 2 years and everything else is in a good standing. I talked with Experian They have no answer for me and they can not solve my problem and I even spoke with FICO they can not do anything either. Please help me to solve this matter. 
This is my official statement for file a complaint against credit bureau, in this case, EXPERIAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my report that are not mine.
Product: Debt collection

The company claim damage that was caused by them. The ripped up carpet 4 times to fix floor. I moved out so they could fix floor and charged me {$700.00} for new carpet. I am filing a lawsuit against them and I dispute this charge XXXX didnt even investigate it.. just agreed with them. I have emails from the apartment about the floor.
Product: Debt collection

XXXX XXXX an XXXX XXXX by notifying them by phone that my information was sent to them illegally an that theyve been reporting my information to credit bureaus destroying my credit. I also stated that every line I dispute a charge an the credit bureaus take it off the re add it back. They representative stated that if I dont like whats being done pay the bill. Unless I want to be arrested an take to court. I stated that I was going to report them an they said that it didnt matter now pay the bill. I ask them to take it off my credit an she laugh an hang up. The next time I call a representative said yes it can be taken off my credit no problem an said it wa fine. But they lied. So in XXXX nothing happen when I call back but for me to pay or be taken to court with documentation. XXXX I ask the same thing nothing happen but threats to credit or taken to court.