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

Hello, My name is XXXX XXXX from XXXX, NC. I travelled to XXXX for a trip in the month of XX/XX/XXXX. I have an account with Coinbase Inc for virtual currency and before i left, I bought XXXX Litecoin before I left to XXXX. I was unaware of the sanctions and laws about logging into Coinbase, particularly from XXXX, so when I attempted to log in to check my account, I was immediately logged out and my account was locked. I was asked to submit 2 documents to verify my identity, however there was no place on the site for me to upload them. I then emailed Coinbase Support my bank statement and my drivers license on XXXX XXXX and they confirmed that they got the documents. It has been over 1 week, and after multiple attempts of getting them to unlock my account, I am still locked out with no money. 

This is the same response I get everytime I try to contact support : XX/XX/XXXX XXXX Hi again, Ive just checked your account and can confirm that your request has been properly escalated. 

For fastest response, please do not create multiple tickets about your issue. 

We respond to cases from oldest to newest, and creating new tickets only makes your case appear new again, moving it to the back of the line. 

I understand how frustrating it can be to wait, but this is the fastest way to receive a response. 
If your request is cleared, well send you an email. 
If you need any additional assistance in the meantime, please let us know. 
my coinbase Ticket # is Case ID : XXXX Thanks I called Coinbase Support today on XXXX XXXX, they told me that there is no balance on my coinbase account. This is extremely scary for me because before I left, I had XXXX LTC in my account.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my 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 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 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

I recently viewed my credit profile and noticed and/or incomplete information and accounts that are unverified. according to the fair credit reporting act 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C1681i, every single or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged account is to be deleted the FOLLOWING derogatory account allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately. The infractions are as follows XXXX XXXX and Account as is reported as having a late payment on my credit report. 
{ XXXX XXXXXX/XX/XXXX LATE PAYMENT } { XXXX XXXXXX/XX/XXXX LATE PAYMENT } { XXXX XXXXXX/XX/XXXX LATE PAYMENT } I am demanding that this account be updated to Paid as Agreed and Never Late by the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Product: Credit card or prepaid card

Citibank ( Citigroup , Inc. ) unilaterally cancelled my DoubleCash credit card account without notice on XX/XX/XXXX. I paid my balance in full each month. My XXXX   credit score is XXXX. I had accumulated {$380.00} in Cash Rewards at the time Citi cancelled my card. Citi has now denied my ability to redeem the Cash Rewards I've earned by virtue of using the card. 

On XX/XX/XXXX, I opened my account. In XXXX and XXXX alone, I charged over {$42000.00} to the Double Cash card. I paid this amount off in full. My XX/XX/XXXX statement shows a balance of {$96.00}. However, on XX/XX/XXXX, Citibank informed me that my account was being cancelled due to a returned check fee in XX/XX/XXXX. 

I switched checking accounts in XX/XX/XXXX. On XX/XX/XXXX, Citi attempted to make a {$130.00} autopayment from my prior, closed XXXX XXXX account. This resulted in a returned payment from the account and a {$25.00} fee. On XX/XX/XXXX, upon discovering the issue, I made the {$130.00} payment from my current XXXX account. I then called to explain to Citibank that I simply created a new checking account. Citibank then indicated their intention to refund me the {$25.00} returned check fee ; the refund appeared on my XX/XX/XXXX statement. 

Following my XX/XX/XXXX conversation, I requested a review of my account closure. The supervisor I spoke with stated that my account would be reviewed and reopened within the week because of my exemplary payment history and credit score. However, I received notice from Citibank on XX/XX/XXXX that Citi would not reopen my account. I called Citibank on XX/XX/XXXX to inquire about my outstanding {$380.00} in Cash Rewards. The representative stated that the rewards were forfeited because Citi unilaterally closed my account. 

I used my DoubleCash card with the expectation that the cash rewards connected with my spending belonged to me. Certainly that is how Citibank advertised them. It appears that Citibank reviewed my account on XX/XX/XXXX and saw an opportunity to cancel my account before paying out the {$380.00} Citi owed to me. 

Citibank cancelled my account without cause. If there was a critical issue with the XX/XX/XXXX returned check fee, why refund the {$25.00} penalty to me? Why then cancel my account two months later? The reasoning provided is misleading, if not fraudulent. The cancelled account will negatively impact my credit score, without any adverse action on my part. 

I can not believe Citibank would knowingly deprive a customer of the benefit of their contract with the bank. I have asked Citibank to issue me the Cash Rewards I am due under my XX/XX/XXXX statement. I hope the CFPB can assist in resolving Citibanks unjust action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for bright credit builder account and paid the {$100.00} annual membership fee. They then logged me out of my account and took more money out of my bank. I tried to get online support and they said they'd email me and they never did. I then went on and used my same social security number and banking information to sign up and they let me open a new account. They should have recognized the social security number and said you already have an account that's paid up for the year but they just want to scam me out of more money. At this point I want a refund for the entire amount
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The information being reported for the accounts are completely incorrect, so how could you have verified it? You claim to have verified this information within your investigation. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have these accounts DELETED or REMOVED from my file completely : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent money to XXXX XXXX XXXX with MoneyGram on line service. This transaction was made as a direct deposit to a bank account. This type of transactions normally take one hour to be ready. after you summit a transaction the system generates a text message and an email confirming the transaction. This time was not the case. So I called immediately and I was told money was ready to pick up. I notify the recipient and when arrived to the location money was not there. Recipient wait and come back later by instructions of MoneyGram customer service and money was not there. This person almost lost the entire day trying to pick up this money. Transaction was made on XXXX XXXX. Since then, Id been calling MoneyGram and they been promising the same " that the money is there and is not ''. The recipient is been expending more money in transportation going to look for the money now. What it bothers me most is how the lie and play with me. Everyday I called the said something different and say they will fix it and hang up until they say the problem is fixed and after I hang up find out is not true. On XX/XX/XXXX someone said they cant do much, since they now open a case so now I have to wait for the response in 4 business day. TodayXX/XX/XXXXis almost a week now. People in XXXX needs this money since is a Donation from XXXX XXXX XXXX. I am very frustrated by their lack of responsibility and lies to the customers. My name is XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I purchased an item in the amount of {$380.00} on my Apple credit card from XXXX. Although my tracking says it got delivered on XX/XX/2021, the package never got delivered. No signature for the package was required. I immediately filed a dispute with Apple, XXXX XXXX XXXX. I also had my landlord check the security cameras and no one entered my building on the day and time of the " delivery. '' When I file the dispute, Apple takes the charge off my balance, then when 60 days ( 2 billing cycles ) go by, they add the charge right back to my balance, which in turn makes me call back and have to explain my story all over again. They then file a new dispute and temporarily take the charge off and the cycle goes on and on all over again. Finally, in XX/XX/2021, Apple asks for any proof that will help the dispute when I contact them. I send in a text communication thread between me and my landlord asking him to check the cameras and him telling me no-one entered the building thru the apple wallet app. I've spoken to XXXX, Apple and XXXX, all representatives are horrible. No one is helpful. Including management. I feel like I'm at a dead end. XXXX and XXXX sends me back to Apple. This has been a nightmare to say the least and this is abuse to customers. Again, this has been going on since XX/XX/2021.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent. 
I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Co
nsumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi .... My name is XXXX XXXX. On XX/XX/XXXX, my employer had to send my pay thru XXXX. They had left town and forgot to give me my check. So, therefore I opened a XXXX account. I was told that I could transfer funds instantly to my bank account. Unfortunately my bank was not supported by XXXX. So, I set up my boyfriend ( XXXX XXXX ) a XXXX account, transferred funds to his XXXX  account. Which i was not able to transfer the {$2000.00} balance I had. I was only allowed to tranfer {$290.00} .He tried giving them his debit card information for an instant tranfer and was declined, although XXXX approved his bank to do so. So we went the other route of doing a checking transfer and funds would be in his banking account in 1 - 3 days. His transfer was accepted by XXXX. He received an email from XXXX   on XX/XX/XXXX stating that his account was frozen due to suspicious activity and I also received the same email. Needless to say we didn't receive that money til the XXXX. On XX/XX/XXXX I tranfered {$700.00} ( that was all I was allowed to transfer ) to a friend of mine ( XXXX XXXX ) who had a XXXX  issued debit card. The money transferred successfully. Went to withdraw money from ATM and transaction was declined. So XXXX XXXX called XXXX and they stated that it happens sometimes and to try again. And if that didn't work to go to a store And make a purchase and request cash back. Tried ATM again with no success. So went to XXXX   XXXX made a purchase and it was accepted but was only able to get {$40.00} cash back. After that went to get gas with the same XXXX card that was used was once again declined. I ( XXXX XXXX ) still have {$1000.00} in my XXXX  account that I can not access. I can not even transfer it to my boyfriend 's ( XXXX XXXX ) XXXX  account because now ( on XX/XX/XXXX ) they say his account was deleted on XX/XX/XXXX. Not sure how that is possible because I transferred the {$290.00} in his account XX/XX/XXXX. And by the way, you can't speak to anyone that can give u answers. You are told that You would have to E-MAIL customer support. So pretty much XXXX  still has a big amount of money ( 7 days later ) that I worked hard for, cleaning a fraternity on XXXX campus. And their customer support is not available on the weekend. So it could be Monday or Tuesday before I get a reply. Bottom line, this so called company should not be able to keep my money and tell me I have a weekly spending/transfer limit. I earned that money and should be able to spend it how and when i like.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I submitted to the CFPB a complaint about XXXX XXXX, XXXX ( XXXX ).  They attempted to collect an invalid, not owed, debt from XXXX XXXX. In response to complaint ID No. : XXXX : XXXX responded in a letter dated XX/XX/2018 : XXXX has closed the account and will conduct no further collection activity regarding this matter. XXXX has requested its entry be removed from your credit report. 

While Trans Union was unaware of this complaint and its resolution, on XX/XX/2018, it again placed a negative item on my report that had just been removed earlier this year. And Trans Union SHOULD HAVE THE ABILITY to identify recently removed reports and then query the creditor or its representative as to why this item is once again being reported - before placing the recently removed item BACK ON a clients report. 

In other words, Trans Union should ask XXXX : You removed this item in XX/XX/XXXX. Why are you again placing this item on this individuals report in XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Sir/Madam, I had a new inquiry credit report on US bank and XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX which I could n't recognize. Because this inquiry, my credit score might go down and which may affect my future plans like buying new home. Can you please inquire these inquiry and remove this this inquiry from my credit report. 

Please let me know if you need any more information. 

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

Transunion stated on XX/XX/2022 in their response to a dispute ending in XXXX that they would delete XXXX tradeline from a credit report. I will paste their response below. I want Transunion to follow through on what they said. 
-- -- -- -- - Company responded on XX/XX/2022 RESPONSE TYPE Closed with non-monetary relief Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through XXXX mail. You should expect to receive those results in approximately XXXX business days. 

DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX, XXXX-UPDATED ( XXXX ) XXXX XXXX-DELETED ( XXXX ) XXXX XXXX XXXX & XXXX
Product: Credit card or prepaid card

I have a capital One CC. I defaulted in late XXXX. Caught up with a large payment of {$9000.00} in early XXXX. Have made every payment. I have spent every dollar, paying every XXXX. They are making a TON of interest off of me. Yet they restricted my card, I understand I DONT want it, BUT they will not let me redeem my rewards. 
Again, I spent the money and I am paying it ... .Yet I can not redeem. 
I have called and spoken to several people and they will not do anything. 
Please help.
Product: Debt collection

Portfolio Recovery ; I have been telling these agency to stop calling me for weeks. Theres been times when they call twice/thrice a day. Yesterday I explicitly told them this debt is in the process of dispute. This debt hasnt been even confirmed. My mailed letter says to only contact me through mail, instead they keep calling. Saying that I need to confirm my information in order for them to give me more details about the call. Portfolio Recovery its harassing me. Dont feel comfortable at all in this position.