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

As of the morning of XXXX XXXX, 2020 I had the following crypto-currency in an account at Coinbase.org valued at this in U.S. dollars XXXX {$3700.00} ETH {$1200.00} EOS {$31.00} For a total of XXXX {$4900.00} I stored all my money in a " Vault '' on Coinbase.com. I tried to withdraw that money to put it back in a " XXXX '' at Coinbase.com. Each currency has a XXXX and a corresponding XXXX. This was all internal transfers within Coinbase. 

Coinbase uses 2 factor authentication, so to complete the transfer from the XXXX  to the XXXX. First I used XXXX XXXX to put in a code. Then Coinbase sends me emails to my primary and secondary emails. I have to click on a link in these emails to validate the transaction. After that I am supposed to wait 48 hours, and I will have my money in the respective XXXX. 

The problem is that the secondary email validation does not work, only the primary. Since the secondary email validation does not work, the transfer request is never validated properly and as a result the request is cancelled in 24 hours. This leaves my money in the XXXX, where I can not access it. I can not transfer it out to another financial institution. 

This has been a known issue for 3 years, but nowhere on their website does Coinbase warn users about this bug. In fact, there are instructions of how to use the Vaults, as if there is no issue. 

Please see evidence that people have talked about this online for 3 years : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX  XXXX Why has coinbase not resolved this issue? 

I have two support request open with them, but have heard from no person. I have no idea if anyone is working on my request or when it will be handled. 

Case # XXXX and Case # XXXX I have also tried to call, there is no possible way to contact anyone directly. It is all automated.
Product: Payday loan, title loan, or personal loan

I signed up for a loan due to a financial emergency. I was unaware of the 65 % interest. Which is a predatory loan if im mistaken. This loan was taken last summer. Ive paid XXXX a month for a year and still have a balance of of almost the entire loan still.
Product: Credit reporting or other personal consumer reports

Accounts closed, written off sold without permission. Requesting 10-99 for tax purposes Verification of this accounts validity under the Fair Credit Reporting Act ( FCRA ).

2. Any associated documentation, such as signed agreements, payment history, and supporting income reports, including but not limited to IRS Form 1099 if applicable.
Product: Debt collection

I received a letter by mail in order to collect a debt that is not valid or incorrect. The letter is from Dynamic Recovery Solutions. 
XXXX XXXX XXXX. XXXX SC XXXX
Product: Credit reporting, credit repair services, 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. 
XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, and SXXXX 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 US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written consent.
Product: Student loan

I paid {$2100.00} over the time period that student loan payments were on pause from XX/XX/XXXX to XX/XX/XXXX. {$72.00} per month. I filed a refund with my student loan provider aidvantage on XX/XX/XXXX. I called filed a refund and it was " approved the same day ''. The representative said it would take 4-6 weeks for a refund to hit direct deposit. Currently it is XX/XX/XXXX, 8 weeks from when I initially called and no refund has been issued or an update to my aidvantage account. 

1. Called XX/XX/XXXX to submit refund request 2. I called XX/XX/XXXX and was told my refund was approved and is being processed. 
3. Called XX/XX/XXXX and was told my refund was approved and being processed 4. Called XX/XX/XXXX and was told my refund was approved and being processed. 
5. Called XX/XX/XXXX and was told my refund was approved and being processed but it could be 4-8 weeks. I asked if there was anything I could do to expedite the process but they said nope they have thousands of request and it could be 8-12 weeks. ( So which one is it ). Also was told it is out of aidvantage 's hands/control because a check would be sent from the treasury. I specifically requested and was told it would be direct deposit.
Product: Debt collection

I found out in XX/XX/XXXX while applying to refinance our home that my credit rating was much lower than expected. On XXXX XXXX I called XXXX and discovered a problem with a XXXX credit card issued through XXXX XXXX  for the purchase of about {$80.00} I made in the summer of XXXX in XXXX. I use the card very infrequently. 

I acknowledge the purchase but I never received any monthly statements for payments at either our XXXX  cottage or our main home in XXXX. Not one! We have been to our cottage twice in the fall and winter of XXXX. While mail has been delivered there was absolutely nothing from XXXX XXXX XXXX. 

To resolve the issue I called XXXX XXXX  on XXXX XX/XX/XXXX. After a series of calls and delayed/overlapping correspondence from them they finally told me they had no information on my credit card and could not help me since the account had been sold to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$340.00} and an associated collection agency Stoneleigh Recovery Assoc. LLC. 

XXXX XXXX  lied to me. After the first call I did not hear anything from XXXX. I called twice more. On the second call they told me the cost of the original balance was {$80.00} and I would be sent a letter verifying that was the amount I owed. On the third call they listened to a recording of the previous call to verify what I was told. In written correspondence they said they would research my claim and would take days to resolve it. They never did this. 

It is clear that XXXX and Stoneleigh did not have our address in XXXX  on record. It was not until I opened the dialogue with XXXX that Soneleigh sent me a letter demanding a deal of a one time payment of {$300.00} for settlement in full against the {$340.00}. Yet they had our XXXX   cottage address. 

In discussions with XXXX  they have failed to provide the alleged missing account statements nor have they provided any information on when and where the account statements were mailed. They have washed their hands of the issue. My credit rating has been levelly damaged. There is no reason I would not have paid this bill on receipt of the statement. 

Stoneleigh claims that mail delivery problems are no excuse. I maintain they never sent any statements. Stoneleigh also said that I should have been aware of the outstanding bill much like a mortgage payment. I maintain that I receive monthly statements from all my accounts and that any normal consumer would reasonably expect such service from XXXX XXXX and XXXX XXXX. 

I paid the {$300.00} because I feel trapped. 

XXXX XXXX is at XXXX XXXX XXXX XXXX, Ohio XXXX. 
Stoneleigh Recovery Associates os at XXXX XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several credit inquiries that have appeared on my credit report which I do not recognize. These inquiries were made without my consent, and I believe they may be related to potential identity theft. I have also filed an Identity Theft Report with the FTC, and I would appreciate your assistance in resolving this matter. The inquiries in question are : 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 XXXXXX/XX/XXXX I will ask this inquiries are deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Student loan

I applied for an XXXX and was approved for XXXX  by XXXX. When assigned to Mohela, I was informed I had a payment coming up. I asked to be placed in forbearance in XXXX as I was supposed to be, and they said they would place me in forbearance. This forbearance ended on XX/XX/XXXX. At this point, I began receiving notices of upcoming payment due dates. I called to ask if this was accurate several times ( 3 times XX/XX/year> ) and the automated message on Mohelas end stated that if you had been approved for an XXXX  or had submitted an application, they were working on placing your account in forbearance and instructed callers to ignore any notices about upcoming payments. I was approved for XXXX through XXXX, and my repayment plan on the website says XXXX  plan. However, after I followed these instructions and did not pay, my account stated that I had a late payment. It now says that I owe two payments in XXXX. I work full time Monday-Friday XXXX, so I have had my mom call them several times. Neither of us has ever received an answer on the phone. We have each been given wait times of about 90 minutes and have never been taken off of hold. I have chosen the option of receiving a call back, but have never received a call back. I have submitted messages on Mohelas website, but have never received any responses and there is no confirmation sent by email, so there is no proof of these contact attempts. I have five days remaining until this will be reported as a late payment on my credit and there is nothing I can do about it, because there is no way to get in contact with Mohela. I will be filing a complaint with federal student aid as well.
Product: Vehicle loan or lease

XXXX auto loan balance has not been updated on my credit report since XX/XX/XXXX. Per conversations with XXXX XXXX, they claim they've been sending monthly updates, however none of my credit reports are accurate. There is a break down in the process somewhere which they're not acknowledging. 

They all show an incorrect balance of XXXX with last payment date of XX/XX/XXXX. 

Correct balance as of XX/XX/XXXX is XXXX - last payment in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

You were notified in XX/XX/year> that several accounts were inaccurately reported, yet you failed to remove them after eight months. I am now pursuing arbitration for the following accounts : XXXX XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX. Please refer to the attached dispute letter, which is both dated and time-stamped, and remove these accounts from my credit report immediately. You have failed to provide the method of verification for nearly a year, which constitutes negligence. This ongoing false and illegal reporting has caused significant emotional distress and resulted in lost opportunities. XXXX has removed these accounts. I expect prompt action to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ATTN : Customer Care XXXX XXXX XXXX XXXX, TX XXXX XXXX : Incorrect data/information with Membership ID XXXX Login : XXXX for XXXX XXXX XXXX ( DOB XX/XX/XXXX ) and XXXX XXXX XXXX ( DOB XX/XX/XXXX ) On Monday XX/XX/XXXX, both myself and XXXX opened accounts with Experian to access our credit reports individually. As we became familiar with the site, we decided to change to the Family plan membership. We then, canceled XXXX account and added her to mines. 

Since the account change took place, my name was removed from my account and replaced with XXXX name. I see my credit report, SSN # and DOB, but under her name. 

In efforts to correct the data, I removed XXXX as an adult on my account on XX/XX/XXXX. On XX/XX/XXXX, I noticed that my information was still being presented with XXXX name. I cancelled my family membership on XX/XX/XXXX and tried to reopen the account with only my information. The system did not let me open a new account and prompted me to login with my XXXX login. 

The information has yet been corrected. We created the Experian account in order to dispute charges when needed and to lock our identity. 

I have been unsuccessfully reaching the customer service department at, XXXX, which is why Im writing this letter. 

I ask that someone please look into the data that appears on our accounts. Ideally, we would like a family plan, but if it is going to cause an issue, then we would like separate accounts with our information fully segregated. 

If you have any questions, please contact me at XXXX. I have enclosed screenshots of what we see when we log in. 

Thank you, XXXX XXXX XXXX
Product: Checking or savings account

Social Security Payments, Personal Injury Payments from XXXX not calculated correctly, Improper use of my Credit Report, Federal Investigator issues a Charge of Discrimination which has been Signed and under that practice employment agency violated HIPAA And State Medical Laws which violate as two Exhibits to Medical Malpractice. 
Banks should have been given notice of Superior Court and Supreme Court Trials and XXXX failed to Pay for Services Resulting in Office of Civil Rights Issues. The only person that was suppose to be in the classroom was XXXX XXXX XXXX XXXX XXXX otherwise Personal Health Information would be questioned, Classroom Behaviors by other people in the area that day were strange, they were strange everyday because not one person prepared the CFPB reports because they were sneaking off to Local Court Chamber Areas to Filibuster, and the campus was suppose to be closed in 1993. Everyone blamed the fire as a XXXX attack and this whole experience has been overwhelming. please Freeze Central Intelligence Agency and Federal Bureau of Investigation Banking since they have failed to follow CPA Laws.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB Lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

The bank has held my entire savings in what they have called a hold for over 83 days, which is far beyond what regulation state is allowed. The hold as I said is on the entire amount in my savings rather than from a transaction that has cleared. 
The hold was placed due to a transaction on XXXX  that moved {$15000.00} from my bank to another bank out of state. I disputed the transaction XXXXThe bank recovered the funds, however they have placed a hold on the entire account not just the transaction in which a bank may do for it to clear. I have called many times, not one person has been able to remove this hold. I was told to go into the bank to proove who I am with two forms of ID.

I went in with at least four and the hold is still on the account! I have called and had to wait on them to call back always a two day wait, never getting any resolve! They really have no reason or right to do this and they have no concern that I need to use my money to live! This has cost me well over XXXX XXXX XXXX XXXX  in fees and credit score ( if you can place a price on that ) I worked hard to keep my score above XXXX and to not be able to pay bills or borrow and have late fees when I have the money, but a bank is not allowing me to use it! 
This is my second time to inform on this, the first was responded with a letter that basicly restated all the information with no solution or a date as to when the hold would be lifted! I am really hoping that I can get real help this time.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX XX/XX/2015 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA XXXX XXXX. XXXX, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC XXXX XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit card or prepaid card

On XXXX i got a letter from Cardmember Service about owing XXXX XXXX {$130.00} I disputed this and asked for a invoice from Carbmember Service on what i had bought for this amount. The can not produce a invoice on what i owe for and when the transaction took place.They asked for additional information from me.I can not give them info on a item they have no info what it is or when it was purchased.They are charging met late payment each month on something they have no info on.I have very accurate records with my dealings with XXXX, and I can not find anything that I owe them. And correct credit card staement. Thank You
Product: Debt collection

A person named " XXXX XXXX '' called me, friends, ex family, my husband 's ex wife, who knows who all- looking for me to discuss a " Fraud '' activity, and even giving more details than that. When I called her back, gave her the case # XXXX she left on the voicemail ; she said she was with the State of OK Fraud Dept, and I have two pending litigations, felony charges- that are about to be placed against me for taking out an electric payday loan and not repaying. She said I had to make a statement at that time, which I told her I was not prepared to do so. I repeatedly asked what company she worked for, and asked why they are just now contacting me 8 years later, and why is this being discussed via phone call, when I've received no mail or anything regarding this. She wanted to ask me questions on a recorded line, when I put an end to the conversation and told her that I wanted something in writing. She told me they are pursuing charges now, and " Good Luck ''. She gave out my personal and confidential information to anyone who answered the phone. This payday loan is from 2012. Although, I'm not denying I had one, threatening to have me arrested unless I pay in full on the phone is too much.
Product: Payday loan, title loan, personal loan, or advance loan

Was in hospital due to severe complications was in for almost 2 weeks had no way to pay titlemax on maturity date, called to speak about trying to catch up on my payments and wasn't given but 2 days to come up with over {$320.00} which was a complete surprise to me because they've been charging over {$7.00} per day where they took {$80.00} from me on XX/XX/year> and was still adding more and more fees to where I can't pay so I'm trying to figure out how they're charging so much when there shouldn't be but one late fee if I'm not mistaken so now I'm probably about to lose my only way of transport to and from work and also lose my job because of some greedy XXXX company
Product: Payday loan, title loan, or personal loan

We have a loan for a vehicle that we have been attempting to make the payments on, and we continually receive calls, even after payments have been made. On XX/XX/XXXX, we made a payment of {$4000.00} of the {$12000.00} remaining balance. We had a past due balance of {$1000.00}, which would have been plenty to cover the past due amount. At XXXX XXXX on XXXX/XXXX/XXXX, I received a call from Fifth Third Bank employee stating she was calling regarding the past due amount. When I said she needed to check my account, as I made a payment last night, she stated that they can not check the accounts before the calls are made. She also stated that the only way to stop the calls would be to contact the bank when we make a payment, or make the payment early. I feel this harassment has to be checked into, as I feel that is not right nor fair to me to have to explain to the bank that I made a payment when they have access and can check their system before calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing errors and asked for them to verify and send all of the information used to verify. They did not send the requested information. A few items were removed but most were not and the requested information was not received. Also, it took over 30 days for them to reply. They are not following the FCRA