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

On XX/XX/21, Coinbase closed my account. It was immediately after I added an additional bank account that I have used in other exchanges without issue from a federal savings bank. Coinbase refused to give me any reasoning for the closure. 

My account is under my email : XXXX When I tried to login through their coinbase.com or the Coinbase XXXX site, both redirected me to a landing page to remove remaining funds from my account. The remaining funds listed were those remaining in my Coinbase account. However, what were missing were the funds that were in my Coinbase XXXX account. 

After repeated phone calls, and opening a support ticket, there have been absolutely no responses. They are holding my funds hostage that were on my Coinbase XXXX  account. Coinbase Case # XXXX submitted XX/XX/21 These missing funds included XXXX DOT that was purchased on Coinbase XXXX, exact details below : Bought XXXX DOT ( XXXX  XXXX  ) at price $ XXXX. Fee {$21.00}. A total of {$4200.00} USD spent on XX/XX/21 XXXX XXXX. 

Additionally, there was a balance of Bitcoin ( approx. XXXX ) and a remaining balance of Ethereum ( approx. XXXX ETH ) that were also not listed in the remaining funds they allowed me to withdraw on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

This is a complaint that regards a previous one, just in case PayPal ignores. 
PayPal said no errors occurred in PayPals processing of transactions, but this is still not answering two of my previous questions 1 ) and 4 ) : 1 ) like PayPal said : If youd like to cancel an eCheck after its issued, please call your bank, so I am asking, what does issues mean? Is pending considering issues? PayPal didnt state at all. Its term in help center is not clear. 4 ) PayPal customer service. Like I say, when the first time I contacted the customer service, after my four transactions, he didnt tell me anything about contacting the bank to do cancellation. If he did, the situation may be different. So no errors? 
Here is one more question : If PayPal still have the bank statement that I submitted, PayPal should notice that my bank balance is only {$700.00} before I made any transactions. So have does PayPal make both Payment 2 and Payment 4 completed? That is total {$1400.00}. 
PayPal said Both of the documents you provided were heavily redacted. Yes, I cover my money balance and part of my account number on the bank statement and my height, weight, etc on the driver license. I dont see how these information related with the confirmation of my identity. If so, please provide details information of what PayPal needs to see to verify my identity. So far, I only received one email about the bank statement of one account is invalid and I resubmitted. Everything else still shows submitted for review for a week long. Please dont make up things. 
Additionally, I have two more transactions ( 7 & 8 ) showed up on my account on XX/XX/XXXX. PayPal customer service said this is a second attempt, but in my PayPal account activity shows all transactions are categorized as Completed. I believe what I submitted previous can back up my story. So no errors? Right now my PayPal balance is {$1400.00} ; however, even I deposited another {$200.00}, and still cant explain how PayPal get the additional {$500.00} from my account.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. 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 regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided 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. 
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Product: Credit reporting or other personal consumer reports

I feel I was negatively impacted by XXXX / TRANSUNION, hurting my chances at credit after receiving a response to my earlier disputes that the accounts were " verified ''. But I don't see any details on the investigation. Please Delete ASAP
Product: Credit reporting or other personal consumer reports

I reached out to the company and XXXX XXXX did as well to let them know this debt was not mine and they told them three months ago this was a mistake they ignored XXXX and me as well and continued to report this false information
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2021, 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: Consumer Loan

Conns continually sends me notices stating that, due to my stellar payment history, they are increasing my credit line by anywhere from {$1000.00} to {$2500.00}. When I try to act on the notice by attempting to purchase a new appliance I am then either denied or given a much lower increase of approximately {$250.00}. Most recently a sales rep from a Conns store texted me telling me I had been approved for a {$2700.00} credit line increase and asked me if I was interested in purchasing anything. I told him I wanted a new refrigerator and the purchase process was begun. A day later I received a phone call from a very frustrated salesperson stating that he could not get the purchase approved and he could not tell me why nor did he understand why and told me that he felt like this was false advertising on Conns part. He acknowledged that I had a perfect payment history with the company and he was bewildered as to why the purchase was not approved nor could he get a satisfactory answer from the credit department as to why. These applications to purchase result in a hard hit to my credit file and I do feel that Conns is misrepresenting themselves and their offers for credit. I would like to make a purchase but at this point I am more interested in stopping the fraudulent advertising and fraudulent offers of credit as an attempt to get customers in to the store and, when they are denied, refer them to their Acceptance Now Program, which is a rent-to-own program at exorbitant interest rates. It is clearly a scam to try to get this other, fairly new, program off the ground. Please help. 

XXXX
Product: Payday loan, title loan, personal loan, or advance loan

When i went into the location regarding a loan i asked specifics, with my background in banking i ask the XXXX ( XXXX XXXX XXXXXXXX XXXX ) if i would get and amortization schedule before signing for the loan, he advised sure it'll be in my packet, i completed the process and they advised i would get my packet online, when i opened it up online it wasn't in there, with my background i used the loan term and rate to create one, to my surprise, 98 % of each payment was going to interest, if I'd known this i wouldn't have taken the loan, i file a complaint with the DFI in Wisconsin, it's not going anywhere, i offered we could renegotiate the loan for XXXX, with the XXXX I've already paid, they refused, they called and advised this is and attempt to collect a debt, i advised them of the Fair Debt Act, they've yet to send me any paperwork, I'm at the edge of my rope, PLEASE HELP, IN LIGHT OF THE NEW NEWS : PERSONAL FINANCE The U.S. wants to crack down on payday loans. Heres what you need to know. 
The Consumer Financial Protection Bureau is trying to get back in the game to curb predatory lending, while some states have already passed borrower protections on their own. 

Advice by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Federal student plus loan in XXXX of 2021 and was denied. Although I have disputed the information on my report through your agency CFPB, XXXX XXXX even with me mailing in the information that disputes what is there on my report the agencies Transunion and XXXX refused to list the completely change the information accurately. Transunion and XXXX refused to correct what is on my report XXXX did so accurately after their investigation. As a result of XXXX specifically, the report specifically I have been constantly denied my student loan for medical school. Even with the letter sent into them and the federal government because of what is on my XXXX report I am constantly being denied for the loan although the federal government did write back to me that the information I provided them in that letter from XXXX Mortgage was enough to change what is in my report. The federal government refused to change my status of the loan request to satisfactory until the credit bureaus Transunion and XXXX complied with the letter from XXXX Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get a 'Release of Mortgage ' document from Chase Bank . The involved loan was for a building that we currently own. This loan was paid in full on XX/XX/2019. So far, Chase Bank has refused to provide this information to myself and has not filed the appropriate documentation with the local county Clerk and Comptroller. Numerous telephone calls and written requests to Chase Bank for this information have been unsuccessful. Here is some relevant information about this matter : The lender was Chase Bank My account number is XXXX and the loan number is XXXX. 
The location of building on the loan is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
The final payment of {$52000.00} was calculated and provided by XXXX XXXX on XX/XX/2019 and was paid in full on XX/XX/2019. 

I would greatly appreciate your assistance in obtaining the 'Release of Mortgage ' verification from the former lender.
Product: Student loan

I have a new student loan service called Mohela. I have tried 10 times to speak to a human being. I never got through. I held on the phone for hours. I am XXXX XXXX XXXX. I am retired. I was in an Income driven plan before the pandemic pause. Now I recieve a monthly bill of {$440.00}. I can not pay this on my SS check. I also think I qualify for loan forgiveness because I worked for XXXX not for profit organizations. I submitted those forms. My bill is due tomorrow and I can not get a hold of anyone at Mohela.
Product: Credit reporting

I have several complaints with the reporting practices of Trans Union. First, regarding XXXX XXXX # XXXX, I have notified all of the bureau 's that the creditor has agreed to delete this account. Trans union has not taken note and has not statused this account since XXXX. This account has also been deleted from the other reporting agencies. As of XXXX/XXXX/XXXX I have issued a FINAL DEMAND for this to be removed. This has already been deleted from my other credit reports. XXXX Consumer Financial Protection Bureau case XXXX. Second, regarding XXXX # XXXX, I was notified by my credit union that this creditor was authorized by Trans Union to be placed on my credit report as of XXXX/XXXX/XXXX. This account is remarked as " & gt ; CHAPTER XXXX BANKRUPTCY & lt ; ; CLOSED BY CREDIT GRANTOR ; CLOSED ''. This is in fact true, and should not be reporting because my Chapter XXXX bankruptcy was discharged in XXXX XXXX. All reference was removed from my credit report in XXXX XXXX. Now I am being plagued by this and it is reporting negatively. Third, regarding XXXX # XXXX which is remarked as DISPUTE ACCT/CLSED BY CONSUMR ; & gt ; PAID IN FULL/WAS A CHARGE OFF & lt ;. In XXXX XXXX I purchased a home and transferred my cable/internet/phone package from my apartment to the new house. I began to receive billing discrepancies from XXXX and after sending them a copy of my bank statement to verify that I truly paid the statement they sent to my home an investigation was conducted where they reported to me that tenant at my previous resident set up service and this installation was applied to my name ; my payment was being mis-applied to the previous addresses account. In order to remedy the issue XXXX adjusted my account correctly and stated that the I would need a totally different account number. Prior to this occurring I was never in bad standing and through the process was never reported as late/delinquent. Please observe page XXXX of bill date XXXX/XXXX/XXXX where it shows my current address, then skip to page XXXX of bill date XXXX/XXXX/XXXX that was sent 18 days later with my previous address, last turn to page XXXX of XXXX of that same bill and view adjustments where it explicitly reads " Transfer from Account XXXX to Account XXXX. Therefor this account is not a CHARGE OFF. I have contacted Trans Union as recent as XXXX and they have not considered my explanation nor offered to review my supporting documents. All of these methods of reporting are weighing on my score as my Trans Union score is approximately XXXX lower than the other agencies.
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 under XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my credit report and noticed some things are incomplete and not accurate. According to the fair act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( a ) ( b ) And according to XXXX XXXX XXXX XXXX they suppose to do this ( XXXX ) treatment of inaccurate or unverifiable in formation ( A ) in XXXX, after any reinvestigation under paragraph ( XXXX ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to XXXX XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which is on my report 2 separate accounts is paid and both accounts should be removed - see attached. 
XXXX XXXX XXXX XXXX XXXXXXXX - Never late all 3 companies have violated my rights. 15USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfers

I purchased a number of items via Paypal on eBay. I asked that my credit card be charged. Instead and without my authorization, Paypal debited my bank account in which there were insufficient funds. Paypal via " XXXX '' it 's supervisor, admitted that they did this intentionally against my instructions but refused to credit me for the overdraft charges on my bank account or to remove my bank account from my Paypal account. Paypal also promised to send me an email admitting that this was completely their fault but never sent it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries in my Equifax credit report that do not belong to me, I disputed two different times but they keep saying these inquiries are a factual record so they wont delete them. The problem is that I did not authorize those inquiries. 

I have the impression that these inquiries are in my credit report due to the XX/XX/XXXX data breach. 

These inquiries are : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Debt collection

Notice, it is a fact, affiant is aware medical information furnished about the consumer can not include the consumers, age, gender, demographic, residence, or any other information that does not relate to the physical, mental, or behavioral health or condition of a consumer. Pursuant to 15 U.S.Code 1681a ( i ) ( XXXX ) this medical collection, is a violation and must be removed ( see attached files ). I demand to see a receipt of this debt purchase because affiant is aware that CREDIT CONTROL CORP is a debt buyer. Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice, it is a fact, affiant is the consumer, in fact and I, the affiant am legally refusing to pay this debt. I am demanding a cease and desist of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this and any alleged debts until you can provide me with the requested information in the affidavit herein. Notice, it is a fact, in accordance with 15 U.S.Code 1692c ( d ), I, the affiant, consumer in fact, is invoking their administrator and executor status over this matter and is of the age of majority. It is also a fact CREDIT CONTROL CORP is a corporation and is always considered a minor. Corporations who are considered minors have no legal standing or jurisdiction. Notice, it is a fact, affiant is aware, in the head of the agency involved in the collection of debts or collection activity when they perform any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to credit reporting bureaus, garnishing wages, and litigation or foreclosure. If COMPANY NAME has filled out a 1099c form and is continuing any of these activities they have committed tax fraud and should be reported to the IRS for a fraudulent financial gain
Product: Credit reporting or other personal consumer reports

I requested Experian XXXX and XXXX to look into my credit report fornaccuricies that pertained to my XXXX XXXX acct and they verified whatever information they had in the system. I was not satisfied with the result so I reached out to the company and requested the information that they were verifying. To my surprise i found that the amount that the 3 bureaus verified is {$16000.00}. The information I was supplied with from XXXX XXXX reflected {$13000.00}. 

XXXX and XXXX has addresses that i do not recognize. I would like the record to reflect XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

This company Midland who has a boatload of complaints against them plastered ALL OVER THE INTERNET is trying to tell me I owe THEM a debt. I do not owe them a single cent. They bought this debt from a pool ( admitted in their own letter they are a debt PURCHASER ) and are trying to make pennies on the dollar on something that was CHARGED OFF BY THE ORIGINAL CREDITOR. 

Case # : XXXX XXXX # : XXXX Original Creditor : XXXX XXXX Original Account # : XXXX Amount : {$1300.00} I REFUSE TO PAY THIS DEBT. A COPY OF A XXXX XXXX XXXX STATEMENT IS ***NOT*** A VALIDATION OF DEBT. NO BILL OF SALE WAS PROVIDED CERTIFYING ANY VALUE OF THIS ALLEGED DEBT THEY ARE TRYING TO PROFIT FROM OFF OF ME LIKE HUNDREDS OF THOUSANDS OF OTHER PEOPLE. 

CEASE AND DESIST AND DELETE THIS FROM ALL XXXX CREDIT REPORTING AGENCIES IMMEDIATELY OR LEGAL ACTION WILL BE TAKEN FURTHER CEMENTING WHAT IS ALREADY ON THE INTERNET OF WHAT A FRAUD YOUR COMPANY IS. THAT IS A PROMISE. 

Examples of what a " reputable company '', per your letter, are : https : XXXX XXXX v. Midland Credit Management , Inc. , No. 19-2993 ( 7th Cir. 2022 ) TCPA class action settlement - {$13.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX Midland Credit Management, and XXXX XXXX XXXX XXXX for running afoul of debt collection laws. The companies agreed to pay a combined {$79.00} XXXX for violating the Fair Debt Collection Practices Act and the Consumer Financial Protection Act by suing consumers without proper documentation, attempting to collect on debts that were too old, and failing to provide consumers with legally required disclosures. That same year, the company was sued by XXXX states and the District of Columbia for engaging in illegal debt collection practices, such as filing lawsuits without proper documentation and attempting to collect on debts that were too old. XXXX paid a {$6.00} XXXX settlement to resolve that lawsuit. In XXXX, the company paid {$12.00} XXXX to resolve allegations made by the XXXX of XXXX  that it had engaged in deceptive and unfair debt collection practices, such as filing lawsuits against consumers without proper documentation, collecting on time-barred debts, and harassing consumers with excessive phone calls.
Product: Checking or savings account

On XX/XX/2017 i opened a CitiGold Savings account which i was promised IN WRITING a 1 % interest rate for 3 months and a {$500.00} cash bonus after 90 days ; the {$500.00} bonus can not be located according to CitiGold Customer Service! 

i called the : Citigold Realtionship Manager at my branch ( a XXXX XXXX @ # XXXX XXXX XXXX ) ; the branch manager , XXXX XXXX @ # XXXX XXXX XXXX is on vacation XXXX claims she put forth an investigation, twice, yielding the same answer : there is no record of any {$500.00} bonus!! 
Compounding matters and unbelievably, i was informed XXXX put in the investigation- request to my checking account ( and not my savings account ) erroneously (?? ) Please help me get the {$500.00} due to me ; i am also requestiong an additional {$2000.00} for my work time lost and my extreme stress dedicated to trying to fix the problem entirely created and continually perpetuated by Citibank thank you very much XXXX XXXX