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

On Saturday, XX/XX/XXXX my Coinbase account was frozen and restricted from making purchases. They told me this was due an account security issue. The only thing I did was sell a crypto holding and then this was triggered. I've called or messaged Coinbase support on 6 different occasions from XXXX XXXX to XX/XX/XXXX. The support techs aren't able to give me a reason why my account was frozen and they can't give me an estimate of when my account will be restored. I requested to speak with a supervisor and they refused to do this. I asked on two separate occasions and I was told their systems do not allow for this. To make matters worse, I am a Coinbase One subscriber and pay {$30.00} per month for this kind of service.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I phoned Transunion 's help number, ( XXXX ), to request they temporarily lift my credit freeze. The man who responded had an XXXX accent. ( I understand Transition relies heavily on XXXX subcontractors. ) The man clearly understood what I wanted. He then asked me for all my vital credit information ; name, address, phone number, social security number, etc. After he got all my personal information, he said, " I will give you the phone number you will need to call to help you. '' I said, " since you admit you understood I only wanted to temporarily unfreeze my credit information, WHY DID YOU NEED ALL MY PERSONAL INFORMATION! He said, " it 's just policy. " I believe this Transunion employee wanted my personal information for some personal nefarious reason. He now has all my personal information to perpetuate credit fraud on me. This is likely very prevalent with Transunion and their subcontractors overseas.
Product: Checking or savings account

On XXXX XXXX i sent XXXX to my husband using the XXXX XXXX XXXX using his phone number.After sending the money i ask my husband did he receive the money and his response was no so i immediately filed an dispute with chime. chime open the dispute and then denied and close the dispute. i the. got upset and demanded them to reopen my dispute because my husband did not receive the money however it went to another chime user with the same phone number. i informed chime that that person was t my husband and ask y will they allow two ppl with the same number to open an account. also i wanted to know why didnt they take in security measures by confirming the person before you send your money using the pay anyone service. also i requested the money back from the unknown person the request keep going to my husband. so my question is how can the request come to him but not the payment. i feel chime thats chime are scamming customers and and not protect them. Please investigate this matter be i want and need my XXXX. Chime customer service needs to do better
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : 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/year> The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received alerts and a letter dated XX/XX/2021 that a credit inquiry had been placed on my account regarding a denied request for a credit line increase from XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. I did not solicit a credit line increase nor did I provide my information to such Credit Service provider in order to have an inquiry into my credit report. I called the company and was told that it must be an error and I would have to dispute it with the credit agencies for the inquiry to be deleted. I hereby solicit that the inquiry be removed for it was not authorized nor did permissible purpose exist in any way for my credit to be affected or revised.
Product: Checking or savings account

Heres the draft for your CFPB complaint : -- - XXXXWhat happened? ** I started using Square for my new business, XXXX XXXX, a construction company, on XX/XX/year>. My account was approved on XX/XX/year>, and I invoiced my first client that same day. The client made a payment of {$12000.00} on XX/XX/year> through Square 's invoicing system. 

On XX/XX/year>, Square informed me that I needed to go through an identity verification process. I promptly provided the requested documentation, which included photos of myself and my ID. Despite this, on XX/XX/year>, Square froze my account without giving a clear explanation.

Since then, Ive made numerous attempts to contact Square through phone calls, but no one has been able to provide a reason for why my account is blocked or when I can expect to access my funds. 

The withholding of these funds has caused significant financial strain on my business. Ive incurred 10 % interest on credit card debt due to having to borrow money to keep my operations running. Im struggling to pay my employees and cover the costs of materials needed to continue my project.

I urgently request that Square release the withheld funds as soon as possible. 

-- - This complaint gives a clear timeline, outlines the issue, and explains how its affecting your business. Let me know if you'd like any revisions!
Product: Credit card

On XX/XX/XXXX I purchased tickets to go see XXXX XXXX perform. The event took place on XX/XX/XXXX the following year. Per the terms and conditions the ticket included a meet and greet, VIP access and a picture with XXXX XXXX. Additionally, the ticket included special merchandise that the VIP ticket included. Per the terms and conditions, we arrived on time to the event however, the event staff stated that we were not able to take a picture with XXXX XXXX and we were not able to collect the VIP merchandise. I called numerous times and followed up with XXXX XXXX however they refused to assist me and investigate. My credit card company also stated that the terms and conditions were and stated that I was in the wrong. I am really upset I had to put this much money down and not get what I paid for. I purchased 3 other XXXX XXXX tickets and didnt have any other issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account on my credit report that the credit bureaus are saying that have been investigated and verified. How can the item have been verified when XXXX, XXXX, and Experian are reporting different dates of last activity XXXXXXXX XXXX XXXXXX/XX/XXXX. Also, the account was included in XXXX, that has been updated to charge off, purchased by another lender, and charged off as bad debt in the creditor remarks. So again, How can this account have been verified/ updated if its still reporting inaccurate / incorrect information? 

I have attached my credit reports from XX/XX/XXXX - XX/XX/XXXX ( monthly reports ) to show proof of the inaccurate data. 

It does not meet the fair Credit reporting act regulations. 
I feel that this account is affecting my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a home equity line of credit with wells fargo. the limit is XXXX XXXX 
I owed XXXX and on XX/XX/XXXX i paid XXXX XXXX  down. 
For the month of XXXX, XXXX and XXXX Wells Fargo is reporting that i owe XXXX XXXX and this puts my at 40 % credit usage and my credit score is  going down significantly. 

I disputed with XXXX and on XX/XX/XXXX i received confirmation that my dispute was completed and nothing was changed. 

I complained to the bank several times and every time i'm being told that they are investigating but meanwhile my credit score has gone down over 15 points that will most likely take me a year to get back. 

this is a simple fix, just report the correct information but i cant get anyone from XXXX or wells fargo to listen.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my creditworthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( Permissible Purpose ). 

Unauthorized Hard Inquiry Details : AL XXXX Inquired on XX/XX/XXXX Business Type : Automotive XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, TX XXXX COAF Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX JAMBOREE XXXX XXXX, CA XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX JAMBOREE XXXX XXXX, CA XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX CARD Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX FCU Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX AUTO FIN Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX SUN XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2023
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase. I have not been able to access my account because the XXXX-step verification is associated with an old number. I have tried calling to get assistance but the automated system just gives me the run-around and you can not speak to a live representative. I then tried emailing them at XXXX different emails, and received an automated response with a link that goes back to the app/website. They claim that you can email them using the Help Center but this is not true, it just goes in a constant loop, without any solution. The directions at the Help Center does not reflect what's on the app/website. I have also tried to use the identity verification process which I failed XXXX times, for some unknown reason. I have used a similar identity verification with the IRS and I did not have any problems getting verified, so I do not understand why I am having problems being verified through them. I have been trying to resolve this for a while now and I do not know what else to do. I am starting to wonder is this some type of scam. I have invest a lot of money through this platform. Please advise.
Product: Debt collection

Someone other than me added a XXXX XXXX on XX/XX/year>. I don't have XXXX XXXX and no one from there has contacted me about a past due account. XXXX  sent this to Collections with Transworld Systems Inc. I noticed that my credit score dropped from XXXX XXXX XXXX XXXX and this is how I found out about this identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted many times to request all credit reporting companies remove an old/inaccurate debt from my credit and all agencies have denied this. I started college at XXXX XXXX in XXXX. I applied for a private student loan with a family member in XXXX from XXXXXXXX XXXX ( 2 of them ). I got a private student loan, and I graduated in XXXX. I was never billed for this account, I never applied for any deferment, I included both accounts in my XXXX XXXX bankruptcy and indicated that they were private student loans, not federal student loans, and my grandfather passed away in XXXX ( co-signer ). My XXXX  XXXX bankruptcy was discharged in XXXX as indicated in my credit reports. I was granted a full discharge of all requested debts. I notified the credit agencies, and these accounts initially disappeared then reappeared. I was denied the right to have it removed. I sent my discharge to all creditors, including this company. Still, they refused to remove the debt. The debts clearly indicate they were opened in XXXX, but falsely indicate they were " charged off '' in XXXX and XXXX. No attempts were ever made to collect on these debts and no payments were made given it was XXXX. According to WA and OR law, all debts including private student loans ( written contracts ) are outside of the statute of limitations after 6 years. Furthermore, at the time I resided in Missouri when these loans were disbursed and their statute of limitations on " promissory notes '' as used in the case of these loans is 3 years. 6 years past XXXX when the initial debt was created is XXXX, 6 years past when I graduated is XXXX, 3 years past when I made the debt is XXXX, and when I graduated XXXX. It is now XXXX, which is 8-12 years past when these loans originated and when they were due. Keeping these debts on my credit is against the statutes in each of these states and they indicate false information.
Product: Debt collection

I opened an account with XXXX ... however somehow they opened XXXX at the same time. Account # XXXX is the current account I am using and paying for. The second account XXXX was supposedly closed in XXXX, then supposedly credited and closed again in XXXX when I called the second time and sat on the phone for XXXX hours, after being accused of not paying my bills. In XXXX I received a notice from Stellar Recovery that I owed XXXX. I have a bankruptcy on my past and I 've been working to repair my credit. This situation will create problems for me and lower my rating at least until I get it resolved. I 'm very upset. They want me to call the same people who have not fixed this before and sit on the phone for yet another hour.
Product: Checking or savings account

On XX/XX/XXXX I had went to Citi bank on XXXX XXXX XXXX and withdrew XXXX dollars from my savings account via ATM, I arrived there at XXXX and I was having trouble placing my card in the ATM, a older guy gestured me to use the ATM it seemed like he just used I was unable to place my card in that ATM as well, he then grabbed my card and hit contact less, he gave me back a card that I thought was mine, I took my money put it away and left. A little after XXXX I realized I had the wrong card and returned to the bank, I had not realized that at XXXX a teller withdrawal came out of my account for XXXX  dollars, I have completely complied with the investigation and sent my police report to the team. I am a college student and I asked the customer service multiple times for a provisional credit they stated once I signed the affidavit, I signed it explaining that my card was swiped out and I have no clue how this man got my PIN number, I was told that I cant get a credit because it was teller withdrawal, I was hung up on twice in one day by Citi bank representatives in the fraud department. I have been ran all over the place I feel like its not being taken seriously because of me being a minority, I changed banking institutions because I no longer feel like my money is safe, I have been with that bank close to 5 years and I have been treated awful in this situation, I have had to resort to using my credit card to purchase books for my upcoming semester its just horrible. I call for updates they are saying the investigation can take up to 90 days one day 60 another its very frustrating. Please look into this on my behalf. Thank You
Product: Credit card

Order a pair of shoes online and had delivered to the XXXX XXXX XXXX location in XXXX XXXX XXXX, near me. Shoes arrived damaged so I contacted the merchant to return the shoes. I shipped the shoes back, merchant confirmed receipt but then claimed while the shoes would have been in transit, I also exchanged the same pair of shoes at a XXXX XXXX XXXX location in a totally different state. Merchant is in receipt of the shoes based on the tracking details. It appears from a receipt someone has exchanged another pair of shoes to my credit card while not present. I live in XXXX XXXX, the exchange was made in XXXX XXXX XXXX  at the same time the shoes were in transit to this store. Ive never been to that store or received another pair of shoes from this merchant. There is no additional shoe showing on my statement or the exchange transaction. my card was never present at another store and I never received the refund for the shoe I shipped back to the merchant. They have been refusing to resolve.
Product: Debt collection

I been trying to get them to send me the original contract bearing my signature and their signature showing we have a contract showing I owe them money
Product: Credit card

Have continuously asked agency to stop calling before XXXX est. and after XXXX est. They continuously call. Just received call at XXXX.
Product: Mortgage

Freedom mortgage withdrew {$370.00} from my escrow allegedly to pay for my insurance but insurance company has advised payment was not made. Requested copy of cancelled payment twice and representative refused to provide evidence of payment to me as the owner of the escrow even when and if they received copy of the check.
Product: Student loan

On XX/XX/2022, I submitted an application to have my cosigner released from my private student loan. On XX/XX/2022, I received email notification that my application has been received and it can take up to XXXX days to receive a response. I called XX/XX/XXXX and was told I should get a response by XX/XX/XXXX. I did not receive a response on XX/XX/XXXX. I called on XX/XX/XXXX and was initially given the wrong information. I received a call back and was told that no response to my application has been received and I should get something within the next few days. I called on the XXXX and XXXX of XXXX and no response. Today is the XXXX and I have yet to receive a response to my application to have my cosigner released.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts listed below from my credit report. I am a victim of a data breach, and these accounts were fraudulently opened or reported without my authorization. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts : XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$48000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$380.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF FRAUD, IDENTITY THEFT, and or BOTH and I HAVE IDENTITIFIED these ACCOUNT and its derogatoriness as being associated with the mentioned unfair circumstance. As is my consumer right to do so, I here now DEMAND BLOCKAGE of this claims reporting and additionally demand ERADICATION of claims debt ( s ), if any, should the alleged data furnisher fail to timely and adequately validate the claim in whole in writ document form undoubtable. I FURTHER DEMAND that any associated events and or accounts and or reported data be as well fully eradicate and permanently so. FRAUDULENT events OR those resulting from identity theft can NOT be adequately compliant in its report-ability NOR its adequate ethical collectability and the DEMAND is that either is to cease immediately and permanently. ** I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49.

JUNE 5, 6, 1933 HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 ** ** Brady v. U.S., 397 U.S., 742 at 748. Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences ** ** 18 U.S. Code 241.Conspiracy against rights : If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States , or because of his having so exercised the same ; They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated sexual abuse or an attempt to commit aggravated sexual abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death. ( June 25, 1948, Ch. 645, 62 Stat. 696 ; Pub. L. 90284, title I, 103 ( a ), Apr. 11, 1968, 82 Stat. 75 ; Pub. L. 100690, title VII, 7018 ( a ), ( b ) ( 1 ), Nov. 18, 1988, 102 Stat. 4396 ; Pub. L. 103322, title VI, 60006 ( a ), title XXXII, 320103 ( a ), 320201 ( a ), title XXXIII, 330016 ( 1 ) ( L ), Sept. 13, 1994, 108 Stat. 1970, 2109, 2113, 2147 ; Pub. L. 104294, title VI, 604 ( b ) ( 14 ) ( A ), 607 ( a ), Oct. 11, 1996, 110 Stat. 3507, 3511. ) **