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

I recently signed up for Coinbase, an online cryptocurrency exchange. I made several purchases, starting on XX/XX/XXXX. I started off using a credit card, and then increased my buy volume by providing a picture of my driver 's license. Once I was cleared for bigger transactions, I transferred a total of XXXX dollars from my bank account to my Coinbase USD account. The transfer went through and I was able to see the money in my Coinbase account.
Then, I tried to make a purchase and was not able to. I was directed to the coinbase/ssn page, where they ask for date of birth, name, ssn, job title, workplace, and personal address. I provided all of the correct information but access was denied. I am now unable to do anything with the money in my coinbase account and ca n't transfer it back to my bank account. My XXXX dollars is " locked '' in Coinbase.
I have emailed them twice, starting on XX/XX/XXXX, and they have not responded. I have no access to my money and need this resolved asap.
Product: Checking or savings account

My CD ending in XXXX matured on XX/XX/XXXX. On XX/XX/XXXX I looked at the account and saw it rolled into a .05 % CD not the 5.25 % I was expecting. Rates must have changed between XX/XX/XXXX and XX/XX/XXXX, I get that. 

When I contacted Citi bank several times they insisted i be charges a {$12.00} early withdrawal fee. As you can see in the attached renewal notice I had from the maturity date to XXXX calendar days after to change my mind which would be XX/XX/XXXX. The CD matured for {$100000.00} but CD only transferred {$100000.00} leaving a penalty of {$12.00}. 

I cant confirm that's what the {$12.00} was because Citi wont let me see transactions online for the CD since it closed and only shows the net transfer amount on the savings account. No notice was created when the CD closed and transferred. 

I spent XXXX hours on the phone with their XXXX  call center who did not even understand what I was saying let alone willing to help. Citi 's only other recourses are chat or mail, no email contact ability. Chat was useless as well. It referred me back to the call center.
Product: Mortgage

Select Portfolio Servicing company told me that for the month of XXXX 2021, that I did not have to pay any money towards my mortgage or forbearance. That I had already paid enough towards my forbearance and that I could skip this payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not had any credit accounts for years. I basically used cash for all my transactions. Recently I decided to buy a house and I had to build my credit to do so. I pulled my credit and notice a lot of activity on there that I did not know about. On the advice of a friend, I ran my information to see if my profile was leaked in a data breach and it was. My credit report should have been blank, but there are several items that I need to remove before I can move forward with my aspirations to become a homeowner. These items include incorrect addresses, phone bills, utilities bills and an auto loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has 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 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico 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 4 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 Transunion. I do not understand why they are abusing 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

After 2 years of paying on time we got a charge of more than 100 % of the initial debt. 

Initial balance : XXXX Date : XX/XX/XXXX Balance : XXXX Date : XX/XX/XXXX Interest Charges : XXXX Date : XX/XX/XXXX New Balance : XXXX Date : XX/XX/XXXX We called to pay off but the new balance would include all the interest.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 and XX/XX/2024, I have logged into the Transunion site to file a complaint to attempt to have a collections claim that has caused me financial harm removed from my account. 

On both days the Transunion site can not produce my history and I can not open a claim. I attempted to contact their technical services to report the site failure, but they do not have an email address or a site page dedicated to reporting web services failures. I attempted to report the web services failure via the chat bubble, but the chat bubble AI does not know how to handle that type of request. 

I attempted to locate the mailing address to mail in the complaint, and while the site states you can mail in the complaint, they do not provide the mailing address. 

Until I can file a complaint, I will continue to be harmed financially by the collection report on my account. The specific harm I have incurred has been an APR rate increase on a credit card that I have held for 16 years. Transunion is the credit bureau that was accessed to be used to determine my credit score. Generally, my score is XXXX. I was informed by the credit card company that my score was XXXX. I closed the account with the credit card company. I have been told closing an account will negatively affect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are currently with NelNet, and currently in deferment until XX/XX/XXXX. It wasn't until I recently pulled my credit report that I discovered over the last few years they have reported me late to the CRA. I contacted NelNet and inquired about the late payment reporting since I was in deferment. They requested documentation that I had in fact requested the deferment. I supplied the request for XXXX, XXXX and XXXX. 

The external customer service department [ XXXX ] informed me that they would not adjust XXXX because it was to late. She also indicated XXXX would require management approval. In regards to XXXX, she called me on XX/XX/XXXX, and told me the request was denied. The reasoning was my email requesting the deferment did not specifically say " YES '', and therefore would not be adjusted. 

I think this is unfair and inaccurately reported and has significantly impacted my credit score to the point I was unable to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am grateful to have some accounts from my Credit File be removed! I truly appreciate the efforts done by the Equifax and XXXX Credit Bureaus to deleted a portion of the fraudulent accounts being reported from my Credit Report, but there are some accounts that should be deleted too. I received a copy of my updated Credit Report and noticed that some accounts are still reporting despite the multiple letters I have been sending to the Credit Bureaus. On my previous letter I sent on XX/XX/2022, I emphasized the importance of the Fair Credit Reporting Act section 605b ( c ) ( 1 ) ( C ), Authority to decline or rescind. Once again, I have been a victim of Identity Theft and I never received anything nor benefits as a result of the theft of my identity. The Credit Bureaus can not decline my requests for the removal of the fraudulent accounts on my Credit Report since I never received anything in exchange of the Identity Theft. If the Credit Bureaus insist that these accounts belong to me, I will require all documentation that has my signature on it to support the Credit Bureaus claim. If the Credit Bureaus can not provide me with copies of documents I am seeking, I would greatly appreciate it if the Credit Bureaus remove the following disputed fraudulent accounts completely from my Credit Report : XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX, XXXX. XXXX Balance : - XXXX XXXX  XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX  XXXX Balance : - Bankruptcy : XXXX XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FAIR CREDIT REPORTING ACT XXXX  account # ending XXXX from XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 604 A section 2 It also states that a consumer reporting agency can not furnish my account without my written instructions.
Product: Student loan

Im request promissory mastery note documentation from the student lenders regarding an amount that I see in my account for XXXX school the first I see is XXXX XXXX  college and the other for XXXX XXXX XXXX. I'm seeking verification.
Product: Debt collection

I sent 2 letters to TransUnion & XXXX  asking for proof of debt from XXXX XXXX XXXX XXXX. I keep getting the same candid response that the debt was placed following FCRA guides. I requested the original documents to verify that this is my debt. Also, the 45 days that the credit bureau had to respond exceeded the time.
Product: Debt collection

( 1 ) EXHIBIT : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL TRACKING # WITH RETURN RECEIPT WITH MY WET GOVERNMENT PERSONALIZE SIGNATURE STATING THAT IVE RECEIVED IT. ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i )
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration with the ongoing presence of fraudulent items on my credit report, despite many attempts, I would like to follow up to have them removed. This persistent issue severely affects my financial standing and undermines my credibility as a consumer. 

Despite providing thorough documentation and evidence proving the fraudulent nature of these items, they continue to tarnish my credit history. 

It is crucial that immediate action is taken to rectify this matter. I expect a comprehensive investigation into why these fraudulent items persist on my credit report despite repeated requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccurate on my Credit Reports.

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX : {$24000.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number # XXXX Subject : Portfolio Recovery Associates- Request for Documentation and Notice of Violation Dear CFPB, I am writing to formally report that Portfolio Recovery Associates has failed to comply with my request for documentation concerning the debt they are reporting on my credit report. On XX/XX/XXXX, I sent a letter to Portfolio Recovery Associates asking them to provide proof of their ownership of this debt, specifically requesting a copy of the chain of assignment along with other relevant documents.

On XX/XX/XXXX, Portfolio Recovery Associates responded by sending me a copy of a bill from XXXX XXXX ; however, they did not include the chain of assignment as I had explicitly requested. 

I am aware that XXXX XXXX never had the right to sell this debt because they do not actually own it, as the debt in question is securitized. To support my claim, I will be attaching a copy of the relevant 10-K form as proof of this securitization.

I am giving Portfolio Recovery Associates 30 days from the date of this letter to provide me with the chain of assignment. If they fail to do so, I request that they delete this debt from my credit report. Additionally, I would like a copy of the Forward Flow Agreement related to this debt.

Please note that I plan to file a complaint with the Federal Trade Commission ( FTC ) for violating my rights in this matter. It is important for debt collectors to adhere to compliance regulations, and I believe that Portfolio Recovery Associates has not done so in this instance.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Student loan

My loans with NelNet went out of deferment even though I am a XXXX XXXX XXXX until XX/XX/2024. Specifically a XXXX XXXX loan from XXXX. My school ( XXXX XXXX  ) has communicated my status as a XXXX  with no problems. I was charged XX/XX/XXXX and XX/XX/XXXX. My checking account was charged using auto debit which I had never approved or signed up for. I never provided NelNet with my checking information and I had never made an account as I am a XXXX XXXX XXXX still. I was given no warning, and there was no communication by email, mail, or phone.
Product: Checking or savings account

On XX/XX/2023 I opened a US Bank Business Checking Account. I received an offer to get {$800.00} from US Bank if I opened the account with promo code XXXX, funded it within 30 days with {$25000.00}, and maintained that {$25000.00} balance for XXXX  days. 

I followed all of the steps to a T. I opened the account and then called to confirm it had the promo code and to get instructions on how to fund the account ( needed assistance navigating their website to transfer money in ). On XXXX I had deposited and had a balance of {$27000.00}. I called US Bank again to confirm the promo code was on the account and see if there was anything else I needed to do, they said it needs to be maintained at XXXX XXXX or more for 60 days. I Called XXXX to see where the {$800.00} Bonus from US Bank was and was lead in multiple different directions from XXXXcall your state farm agent ', to 'i don't see a promo code on the account ', to I see the XXXX code but you didn't follow all the steps. I have US Bank Case number XXXX and got a message that my case is closed and they will not be giving me the sign up bonus on XXXX. I called to reopen and escalate the case but have not heard back. 

I have the original mailer with the sign up bonus, bank statements showing my account balance. I don't know why they are not honoring their sign up bonus and they refuse to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : USDOE/XXXXI : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report . Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have reviewed my report, and there are accounts that are not mine. I also see multiple address and phone numbers that do not belong to me. I would like these items removed, as they are causing me issues obtaining credit. 
Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Addresses : Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WI XXXX Date Reported XX/XX/XXXX Phone Numbers Other Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, WI XXXX Date Reported XX/XX/XXXX Other XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Date Reported XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is violating the fair credit reporting act by listing a fraudulent account which is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXXXXXX XXXX reported I had not paid a {$2.00} charge that was over 30 days old. I have not used this card. I had previously been on my mothers account for this card however I have not been an active user for several years and she called as the primary account holder to pay the charge and remove me from the account. I have called we well however it still comes up on my credit report that I owe {$2.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report 4 old account that are affecting my credit score.  According to New York State Law these were supposed to be deleted already. 

25 Section 380 -j ( b ) ( 3 ) ( f ) ( 1 ) ( iv ) : ( f ) ) ( 1 ) Expect as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information, ( iv ) accounts placed for collection charged to profit and loss which antedate the report by more than seven years, or accounts placed for collection or charged to profit and loss, which has been paid and which antedate the report by more than 5 years. 

XXXX XXXX XXXX XXXX ( already deleted from XXXX and XXXX  ) XXXX XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX ( already deleted from XXXX and XXXX ) XXXX/XXXX  XXXX ( already deleted from XXXX  and XXXX   )
Product: Consumer Loan

Please see the attachment : on or about XX/XX/XXXX.capital one entered into an agreement with me as shown on the attachment. 
On XXXX/XXXX/XXXX I received a phone call @ XXXX XXXX from XXXX a collection agency.The call woke me up.An agent identified themselves then ask me some questions to verify who i was. I then ask them what this was in regards they then explained to me the were a debt collection agency, they had a file sent to them from capital one and they were to collect {$9000.00} due immediately. I told them about the agreement they ask me if I could forward any documents to them to prove I did not owe capital one this amount so I did .The next day I got a call from XXXX they told me they sent the file back to capital one and would not represent them.I want capital one to stop making my credit bad.They are reportin several late payment I incurred XX/XX/XXXX I made all those payments up but to the establishment that does not count only negative information seems to count.I just recently raised my credit score for an acceptable score to be eligible foe a VA XXXX loan now because of capital one 's negative reporting I once again have been disqualified for the loan.capital one has more than recovered their so called losses from me and then some.They should be audited! Please look int this for me I really had my hopes up to buy my first house before I die.This has caused me a great deal of XXXX, XXXX, and XXXX.
Product: Student loan

Department records are in error because their records show I had consolidated XXXX XXXX loans in XX/XX/XXXX and XXXX XXXX loan in XX/XX/XXXX but the records do not show a new consolidated loan was created for those years. Instead, the Department records show a new consolidated loan was created in XX/XX/XXXX. This is negatively impacting me because I have made qualified payments towards XXXX XXXX XXXX XXXX but the accounting of those payments is not being given credit towards the entire time I have been repaying the loans that were consolidated in XXXX and XXXX. So they are not showing any activity between XXXX and XXXX. The loans were with XXXX at the time. In XXXX they went to MOHELA
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXMoneyKey is an account that i do not remember as mine ... .. this accoun is a mistake in my credit report ....