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

Hello team, I was using the Coinbase to trade the virtual currencies. On XX/XX/XXXX, they have locked my account, asking me to submit my ID again ( which I did already in the past and I was allowed to trade ). After trying to submit the ID more than 50 times, the Coinbase is stating they can not verify it. 
I have decided to close the account and take my money back to my bank account, as I lost my trust in Coinbase. In order to withdraw the money, Coinbase asked me to send the money on their account.

After doing so, I received that Coinbase is not able to process my deposit as my ID is not validated : " We appreciate your interest in Coinbase! However, we're unable to process your recent deposit for XXXX EUR sent on XXXX because : Your account and ID will need to be verified before it is active '' Now this is chicken and egg issue and I am tired of trying to get my funds back. 
I have raised multiple tickets with Coinbase / tried calling them, but have not received any respond back. 
Please help me to see how can I retrieve my personal funds from Coinbase back to my bank account. 
Tickets Opened : Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST XXXX XXXX XXXX XXXX
Product: Debt collection

My credit report indicates a new account from a company called " portfolio recovery '' at XXXX XXXX XXXX, XXXX XXXX, XXXX, VA. I was not contacted by either writing or other means. The company has not initiated any contact with me. I am disputing this account/collection simply because I do not recognize this account nor do I have any previous knowledge of it. I am demanding the collection agency to provide me with proof and validation that this debt is mine. I am asking to supply Portfolio Recovery to supply information to validate. If Portfolio Recovery can not validate this debt, than this account needs to be removed immediately.This collection appears to be in violation of the 15 USC Code 1681B, Permissible Purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days Was not notified of investigation status or results Their investigation did not fix an error on your report
Product: Credit reporting, credit repair services, or other personal consumer reports

To : XXXX Experian Dispute XXXX RE : Dispute Re : Account # XXXX Dear Representative : I am writing to dispute the account referenced above. I have disputed this account formation as being unverified and inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the XXXX myself and have been unable to get them to respond or to verify that this is indeed my debt WRITTEN PROOF. The credit bureaus have not been provided Proof that this debt occurred and was caused by me. You have not provided proof that this debt occurred and was signed by me. It is in the best interest of the Law and Credit regulations to remove this from my credit rating otherwise without proof of verification and valid proof this has to be removed from my credit report at once. Failure to Provide evidence that may be used to established fraud which I have stated. 

After careful research, I have determined that this is not mine, and I was given no evidence of my obligation to pay this debt to XXXX. The credit Reporting agencies do not have proof that this debt is valid. I do not have proof. Delete ITEM as it violate Fair Credit Reporting. 

The FCRA requires you to verify the validity of the item within 30 days or remove it. If the validity can not be verified you a

re obligated by law to remove the item. There is a clear case of unverified debt here, and I

urge you to remove this item before I am forced to take legal action.

1. Please provide my written signature or valid proof that what your claiming is in fact my account.

2. Please dont simply state verified, please provide me written proof Per FCRA that this dept is valid.

3. That the debt you say I owed and this account was setup, funded and used by me while I was deployed.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item which I have researched and determined does not belong to me, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue  you in any qualified state or federal court, including small claims court in my own area. Furthermore, I believe my local news reporters will find this refusal on your part to comply with the law very interesting. 

While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have monitoring my credit files and notice that Equifax credit bureau have a problem with my consumer files, when i request information or summit disputes on my Equifax i notice that there is a problem and makes me call equifax that has a error code NH and when i log in in my Equifax does not show any information, no credit cards no credit history, no collections, no payment history also notice that my credit score last update was on XX/XX/XXXX i had few items deleted but not posted on my records also investigating this information found the credit karma is not receiving updates from Equifax XXXX XXXX last update was summit XX/XX/XXXX and there is no accurate information since this items were deleted from all 3 credit bureaus, i notice that credit karma have not removed this information, i have called Equifax on dates XXXX XX/XX/XXXX with case numbers # XXXX -case number XXXX problems with internal server and also i have requested Equifax to provided with a full report to identify changes on my credit, i have apply for 2 credit lines one of them was home depot and they were not able to look my Equifax credit score and report i was decline for credit and since creditors are not able to look my full complete files but there were able to look all the informations before XX/XX/XXXX ( LAST UPDATE FROM EQUIFAX ) this problem have cost me the ability to obtain credit, if this problem does not get resolve I'm force to take any legal action obtain monetary relief, the Fair Credit Reporting Act ( FCRA ) and FEDERAL TRADE COMISSION ( FTC ) does not allow the inaccurate reporting of information on my credit report, i will summit documentation to show the errors and missing information on my credit file as a consumer, i can't get no credit lines for this problem and is very frustrating that equifax does not know correct this properly.
Product: Credit reporting or other personal consumer reports

I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information fro
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : DPT EDXXXX opened on XX/XX/XXXX, DPT ED/XXXX opened on XX/XX/XXXX.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 card or prepaid card

On XX/XX/XXXX, I initially called XXXX, who was referred to me by a friend as a XXXX  of XXXX XXXX. I had a XXXX  XXXX XXXX XXXX, which had shifter issues. XXXX did not answer after my first call, so I wrote a text introducing myself and the type of car that I needed to be fixed. He replied that I could tow the car to him, so I sent him the car on the evening of Tuesday, XX/XX/XXXX. The next day, I made sure that XXXX had received the car. He said he knew the issue well and knew how to fix it, and that the charge would be {$250.00}. After 13 days, on XX/XX/XXXX, I asked him about the status of my car, as it had yet to be fixed. He replied that he needed a new shifter, and I told him that I had a shifter that I had purchased from XXXX in the past, but he later called and said he had fixed the shifter that was on the car already. On XX/XX/XXXX, : XXXX said that the car was fixed, so I picked it up and payed {$650.00}, {$400.00} more than the initial estimation that XXXX said he was sure about. The next morning, my wife was driving the car to work, but after the car started presenting the previous shifter issue, which was supposedly fixed, she was forced to pull over on the XXXX highway. I contacted him afterwards, and he told me that I should tow the car back to his shop. I towed the car back to : XXXX on XX/XX/XXXX. He asked for an additional {$1500.00} on XX/XX/XXXX for other parts which he had thought were the cause of the problem. I told him to not touch the car and sent the tow truck to pick it up. After receiving the car, it was driving worse than it was prior to going into the mechanic. It could not shift, had transmission kick, and also the engine light was turned on. Not only did he not fix the problem, he also charged me for a service that he did not provide, and he made the car undrivable, a state much worse than it was driving prior to going to his shop. I am disputing this transaction due to the faulty service provided by the mechanic. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received an invoice for a " XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Graphic Card '' from a seller by the name of " XXXX XXXX XXXX XXXX. '' I had first encountered them via XXXX as they were a seller. When I purchased their product via XXXX, they had originally shipped the package under the name " XXXX XXXX XXXX. '' However, I soon received an email saying that they were having trouble with their paypal account and that I would need to pay via paypal directly ( which was the invoice they sent me ) and that they would refund me for the initial {$270.00}. They sent me Later on XX/XX/XXXX the seller contacted me via the name " XXXX XXXX '' saying that their previous XXXX account had been reported and that not to worry since it didn't affect paying through paypal. I proceeded as normal through paypal and paid the invoice. After waiting a month for my item to arrive, on XX/XX/XXXX, I messaged the seller to see when I could expect the package. There was no reply. After seeing that the package had been delivered to a post office in XXXX ( I saw this via the tracking number provided through XXXX pos ) I then reported the transaction to paypal on XX/XX/XXXX. They had me write an email to contact the seller. On XX/XX/XXXX, after receiving no reply from the seller and never receiving my item, I escalated the dispute to paypal. Within 10 minutes I received a reply from paypal saying that the dispute was settled in the favor of the seller, with no reasoning as to why. I emailed paypal again, on XX/XX/XXXX, of why the case was settled in their favor when there was clear evidence that I never received my package and no effort from the side of the seller to even contact me. All I have received from paypal so far are only automated emails.
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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have disputed XXXX XXXXXXXX XXXX XXXX multiple times about my credit report in collections for a debt that is not mine. I have requested a debt validation letter and havent received it. Please remove off my credit report asap as its affecting my credit report. This account was opened without my consent. I have notified and sent letters to Transunion, XXXX and XXXX dispute and they keep updating and verified the inaccurate collection of something is not done immediately I will be filing a lawsuit against transunion, XXXX, and XXXX as this is affecting my credit. I never had a account with space coast.
Product: Credit card or prepaid card

I requested a withdrawal by check and it was to be sent to me with my name as the payee. I have not received the check. The check was made on XX/XX/XXXX in the amount of {$100.00}. Transaction ID XXXX. 

On XX/XX/XXXX, I spoke with XXXX at American Express. XXXX. I requested a stop payment of the check. XXXX told me that an investigation would need to occur that would take 10 days. I told her that I wanted to file a dispute and was told that an investigation needed to occur. I told XXXX that an investigation was not necessary as the check was made out to me, sent to my address, and that I did not receive it. Absolutely, nothing but it will at least take 10 days for the investigation and another 10 days to appear in my account. 

I can not get through to these people, that this is not how it should work. It is purely unethical how they hold onto funds. 

This company is purely unethical. Because their agreement states that they can hold funds for 7 days+, they do. 

Another example of unethical business is XX/XX/XXXX I made a return to XXXX XXXX in the amount of {$180.00}. The transaction appeared on my XXXX statement XX/XX/XXXX ; however the funds were not available on XX/XX/XXXX. I called and asked and they told me that they needed to do an investigation. I requested what the investigation was as I was concerned that perhaps my information had been hacked. Then I was told that my cardholder agreement states that they can hold onto the return funds and they did for 10 days. Although it " appears on my card '' as a transaction of XX/XX/XXXX, it was actually 10 days letter before the funds were available. 

This company is sitting on consumer 's money for their profit. The money is making interest for American Express not the consumer. Very unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing happened a total disregard for the laws Thats all set in place to protect the consumer. It says in fair credit reporting act I have the right to privacy I need all that information deleted off my credit report its all inaccurate. 15 USC 1681 section 604 a section 2 it also states that a consumer report an agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint regarding fraudulent activities related to my mortgage account with XXXX XXXX  XXXX . My previous complaint number, XXXX, was closed as a duplicate but needs to be corrected. My credit report indicates that my mortgage account with XXXX XXXX  XXXX is past due, and I have undergone multiple loan modifications without my explicit consent or knowledge. I have never authorized any loan modifications or extensions of credit with your company. Therefore, I am formally requesting a complete copy of all loan modifications, extensions of credit, and reverse loan documents associated with my mortgage account for the last XXXX years and to the current year of XXXX. It is imperative to highlight that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy, fairness, and privacy of information held by consumer reporting agencies ( CRAs ), which includes your organization. The inaccuracies and adverse reporting from XXXX XXXX  XXXX have had a detrimental impact on my credit report, preventing me from disputing the erroneous information effectively ; furthermore, despite my repeated requests, they are not duplicates. 

XXXX XXXX XXXX must provide the necessary documentation to verify the accuracy and fairness of the reported information, Including a formal request through the CFPB legal process through complaint number XXXX. This lack of transparency and cooperation is unacceptable and compounds the severity of the situation. By XXXX XXXX  XXXX refinancing the home equity loan without obtaining consent from each owner, the lender disregards the property rights of the individuals involved. This contradicts the spirit of the constitutional provision, which aims to protect homeowners ' interests in their properties, and violates Property Rights. I am officially requesting that XXXX XXXX  XXXX provide all the documentation under the Fair Credit Reporting Act and for XXXX and TransUnion, as XXXX XXXX  XXXX fails to provide the requested documentation to verify the accuracy and fairness of the reporting. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt exists, and the fraudulent credit report item should be removed from the credit report.
Product: Credit reporting

My wallet and checking information was stolen in a home burglary. XXXX XXXX agreed to remove those late marks from my credit report due to the fact I called them and spoke with them about having to set up new accounts. The late payments are still on my report. I have never paid my bill late. The balance was also less than XXXX at the time.
Product: Checking or savings account

I had opened a cd account with Citibank XXXX. in XXXX XXXX XXXX XXXX XXXX for the amount of $ XXXX the A.PY. Of XXXX XXXX  for a term of XXXX months. This account will mature on XX/XX/XXXX of XXXX respectively. CitiBank had failed to pay me XXXX months of interest on my CD account. Citibank had paid me for XXXX months and owes me XXXX months on interest payment total {$1500.00}. At my request Citibank has been sending me the interest payment on a monthly basis via snail mail. However, since the month of XXXX CITIBANK N.A. has been using criminal strategies on me, the customer trying to stretch out the dispute and do nothing about it. I had contacted CITIBANK N.A. via telephone and snail mail and CITIBANK N.A. does not resolve the issue with deceptive promises that they are opening a dispute ( a criminal strategy trying to stretch out the time until the cd will mature and intentionally trying to get away with theft. I want CITIBANK N.A. to remember that we have a contract of XXXX months and CITIBANK N.A. has to legally honored this contract and pay their Customer for the XXXX  months interest rate. I rely on the Citibank N.A. interest payment to be able to pay for my apartment rent. I am behind in the payment of my apartment because CITIBANK N.A. is not paying me my interests. Citibank N.A. is not allowed to use deceiving criminal tactics on their customers. I work very hard for the money I earned.
Product: Credit reporting or other personal consumer reports

Experian has a horrible track record protecting our personal information. They should have been shut down in 2015. They continue to provide practically NO PROTECTION OF PERSONAL INFORMATION. The latest issue is documented in the article below from XXXX on XXXX. The article has a list of XXXX security issues since XXXX. When will the government do its job and stop these security-incompetents? Their sheer lack of security controls endangers every person in the United States. 

XXXX XXXX XXXXXXXX
Product: Student loan

XXXX XXXX put me in nearly {$50000.00} worth of student loan debt with promises to help me gain employment upon completion. The school closed, I did not receive help finding employment, and the education they gave me left me unqualified to take a job doing what the XXXX XXXX XXXX promised. I can not get work to pay back the loans. I do not know how to get relief for these damages.
Product: Student loan

On numerous occasions throughout the years, I have reached out to XXXX XXXX XXXXXXXX to understand my loan program as well as how interest accrues and was never provided with the correct information or put on the correct program. My loans continued to accrue interest when i was told that they would not. My balance increased on the back end even though i qualified for XXXX or minimal payment based on employment status and income. I complained to them numerous times but no action was taken. I filed a complaint here against them and i was told that i need to take it up with MOHELA who the loan has been transferred to.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed that there are many variations of my name, address, and old employer information. I can not receive any mail at the addresses listed on my credit report. I do not know who those other variations of my name are. 

This is a violation of 15 USC 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
Product: Credit reporting or other personal consumer reports

Equifax is reporting false information on to my credit report