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

CASE # XXXX I get an email stating my account My photo ID has been verified and then another email rite after stating my account is closed! I have been with them for over 4+ Years now, and never had an issue like this. I also looks like whatever has caused this caused another account thru XXXX XXXX to close as well. Can you please have them reopen my accunt and not have my account closed. I can not access Coinbase Pro which has over XXXX worth of my money I cant access and Coinbase Support is not getting back with me. This is an extremely volatile market and for them to lock me out of my account without accessing my Coinbase Pro account which is where my money is at is UNACCEPTABLE and it looks like others are having this same issue as well. Please help. I can not login to my Coinbase Pro which just keeps putting me back to my Coinbase which shows to withdraw only my Coinbase funds not the Pro funds, which is where the bulk of my money is at. 

In the same day, I got another email from Coinbase THE EMAIL STATES : Hello, Thank you for your interest in Coinbase. Our primary goal is to make digital currency safe and secure for our customers. Coinbase is a regulated Money Services Business under XXXX XXXX XXXX XXXX, and as part of achieving this goal, we are legally obligated to implement regulatory compliance mechanisms. 

Upon careful review, we believe your account has engaged in prohibited use in violation of our Terms of Service and we regret to inform you that we can no longer provide you with access to our service. We respectfully request that you follow the on-screen instructions presented when you sign in to your Coinbase account to send any remaining balance offsite to an external address.

If you are currently enrolled in USD Coin rewards, you may want to wait up to 40 days before withdrawing funds to ensure you have received all eligible reward payouts. You will not be able to access these funds after account closure. 

Should you have any questions or need assistance, please let us know and we'll be happy to help. 


Respectfully, Coinbase Customer Support 2nd EMAIL : XXXX XXXX, Thank you for your interest in Coinbase. 

Our primary goal is to make our platform safe and secure for our customers. Coinbase is a regulated Money Services Business under XXXX XXXX XXXX XXXX, and as part of our responsibility, we are legally obligated to implement regulatory compliance mechanisms.

We regret to inform you that we are no longer able to support your Coinbase account as well as any other accounts you may have created. Please note, we have not blocked access to the balance currently in your Coinbase account ; while we can no longer process brokerage orders via our banking relationship, you may still send your balance offsite to an external address.

There are a variety of factors which have been weighed in your case, and for security reasons we are unable to elaborate on our internal decision process. Please know that we do not make these decisions lightly, and do regret losing you as a customer.

We wish you all the best in your future endeavours.

Regards,
Product: Debt collection

This car loan belongs to a person sharing the same residence as me. I have a court order stating that I am not responsible for this account, This derogatory information has been placed on my credit.
Product: Checking or savings account

On or about XXXX XXXX, XXXX Chase Bank froze my checking account, with a balance of several XXXX dollars. They did not notify me when it was frozen, I found out when my debit card ceased to work. I immediately contacted customer service by telephone, and I was informed that my account was frozen due to a XXXX payment I received on XXXX XXXX, XXXX in the amount of {$830.00}. This payment was sent to me by XXXX XXXX XXXX in payment for an aircraft part. Mr. XXXX apparently told Chase Bank that this was fraud, and he had not authorized the transaction, when in fact I have multiple emails from Mr. XXXX proving he authorized the transaction. I went into my local Chase branch and spoke with the manager, XXXX XXXX. I showed him the email chain of my communications with Mr. XXXX whereby he ordered the part from me, and offered to pay via XXXX. I also provided the USPS tracking number which showed the item had been delivered to Mr. XXXX 's address. I explained that there was no fraud, and that I have had the account open for almost a decade, and Chase was being unreasonable to freeze my entire account balance over this XXXX payment. The manager, Mr. XXXX, agreed that it made no sense that my account was frozen, and agreed to bring the matter to the attention of a regional vice president. He made copies of all the documents I provided, and he assured me I would hear back from someone within 2-3 business days. As of today, XXXX XXXX, XXXX, a full week later, I've heard nothing from Mr. XXXX or Chase Bank, and my account remains frozen. In this time, I've missed a credit card payment that was set to auto-pay from this account, and my personal check to pay my XXXX property taxes has not been cleared, both of which will result in late fees and penalties. At this point Chase has frozen my account for over two weeks, causing me financial stress, and damaging my credit rating. I demand that Chase Bank un-freeze my account, and reimburse me for any late fees, penalties, or other charges that result from their action of freezing my account. I also demand that Chase Bank repair any damage done to my credit by their unilateral actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive spoken with XXXX XXXX several of times in regards to an account with XXXX XXXX that doesnt belong to me. The name on the account is different than mine and Ive sent over information to them previously advising that the last name on the account isnt mine nor have I ever had the last name of XXXX. They were supposed to remove this incorrect information off my credit a year ago and its still reporting. I do know that they are in violation of my rights per FDCPA. I am now at the point of hiring an attorney and filing a lawsuit for wrongfully reporting inaccurate information that doesnt belong to me, and theyve been giving information proving that. They have 30 days to resolve or I will be pursing with filing suit.
Product: Mortgage

We took out a loan with Wells Fargo about 10 years ago. This loan was an interest only loan for a duration of ten years ; then the interest can change after 10 years. Early in the mortgage we realized that this was not in our best interest and it was the bank that acted as a predatory lender. My wife and I were quite capable of paying our mortgage. We have never missed a payment and always paid on time. We have asked Wells Fargo on many occasions to give us the opportunity to refinance our mortgage. Each time we were declined. Our first attempt for seeking refinancing by Wells Fargo was done with the assistance of Neighborhood Assistance Corporation of America ( NACA ) and we were declined. We were declined many other times through out the 10 years. We have paid out to Wells Fargo over {$400.00} dollars with little or no principle.
We finally got the opportunity to refinance with a different bank at a 4 % rate last year ( 2016 ). At the end of 10 years we are starting with the same amount on our mortgage as day one ten years ago. Wells Fargo should have the decency to refund us back a portion of that 400,00 dollars. With my new bank today, I pay interest plus principle plus an extra XXXX  for principle only to pay off my mortgage in 15 years. Be careful with Wells Fargo!!!!
Product: Credit reporting

I have several inquires on my report that I didnt authorize. I have file several disputes and the only thing equifax say is : Its factual ... I have faxed them and asked for validation or proof I did it. Equifax in return dont answer my request each fax was issued a confirmation number XXXX, XXXX, XXXX, XXXX, XXXX and XXXX their excuse of not answering my request by fax is they thought it was fraudulent with all my personal information attached and the fax was sent through a secure line. Their stall tatics and the round around they give you for trying to get them to report 100 % accurate information os ridiculous. Then they had said teo of the inquires wasnt reporting on my credit report of course not when you have to dates wrong. These are the inqyires thats in questioning and I want them removed XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX ( never been to Texas ) XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Product: Debt collection

LVNV Funding Inc and XXXX a system whom I dont know is trying to collect a debt I dont owe from XXXX different accounts and amounts.
Product: Payday loan, title loan, personal loan, or advance loan

Payment for the outstanding balance ( {$3300.00} ) on the loan was mailed on XX/XX/XXXX, via check ( # XXXX ). This was expected to arrive no later than XX/XX/XXXX according to the USPS XXXX expectation for first class mail delivery. 

For some unknown reason, XXXX Account Servicing did not deposit this check until XX/XX/XXXX. This was 9 days after it was mailed. I was then charged {$1300.00} because the payment was processed after the promotional date of XX/XX/XXXX. The circumstances which led to this delay is highly unusual. This could have resulted from a number of issues totally outside of my control but under yours, such as delays in processing mail at your office location or a deliberate delay. 

I called your office on XX/XX/XXXX and spoke with a supervisor. His focus was on what evidence I had that it was received before the deadline. Do I have a signed receipt showing someone in your company received it? I do have circumstantial evidence check # XXXX was written on the XXXX along with check # XXXX which was dated XX/XX/XXXX. I dated # XXXX XX/XX/XXXX because I needed to add money to the account which I did XX/XX/XXXX. However, I mailed it Sunday XX/XX/XXXX to arrive on time. 

Evidence is not one sided - My question to you is what evidence do you have that it was mailed late? The envelope you received had a postmark. That is the evidence you would need to prove it was mailed late. 

Even if there was an unusual delay in your local postal system it is customary to waive fees and not play what evidence do you have game because it points to unethical business practices. 

I am including the Consumer Financial Protection Bureau. Please provide the evidence ( postmarked envelope ) that the check was mailed out late to justify your charges. If you can not provide it then you have no evidence, and it points to a deliberate delay in processing with a self-serving interest. Please remove this debt from my account and close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX credit bureau was hacked during XXXX XXXX and this information was not made public until XXXX XXXX. The companies solution to this problem was to offer free credit monitoring services to the 143 million individuals that were possibly hacked and to anyone else for a period of one year. The problem is that after that 365/66 day period, you would start being billed for the service if you did not contact them 30 days prior to the service expiring. Additionally, if you take advantage of this free service, you preclude yourself from being a member of any class action suit that may result from this breech. Basically, the company will end up making money out of this and after a year of their free service, your information will still be out there forcing you to partake of the services of their company or one like them. This is a lose, lose situation for the consumer and government needs to step in and do something about it.
Product: Credit reporting or other personal consumer reports

BULL CITY FINANCIAL SOLU Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX : Original creditor XXXX XXXX - XXXX Opened : XX/XX/XXXX Balance : {$1100.00} XX/XX/XXXXOpened : XX/XX/XXXX Balance : {$580.00} XXXX : Original creditor I am writing to bring to your attention a matter of urgent concern regarding identity theft and fraudulent activity associated with my Credit Report. Upon reviewing my recent credit report, I have discovered numerous unauthorized accounts that I did not initiate or authorize. 
These discrepancies indicate that my personal information may have been compromised, resulting in unauthorized accounts. 
As a victim of identity theft, I am deeply troubled by these findings and am taking immediate steps to address the situation. FTC REPORT has been filed.
Product: Credit reporting or other personal consumer reports

I spoke to the 3 credit Bureau back on XX/XX/year> about a collection account XXXX XXXX XXXX XXXX. I told them that this account is fraud and provided them with a police report, FTC report number, and XXXX report and nothing changed I dont believe they are doing an actual investigation. I reached out to the collection agency on XX/XX/year> on the phone and still havent received any documentation that validates this debt. And I also sent a letter to them on XX/XX/year> and received no response.
Product: Consumer Loan

Making payments on time, and website is not updated to show payments are being processed or applied to the loan. Loan website is indicating payment due as being XXXX. Also showing no payments being made since XXXX XXXX, 2016. This is not the case. Last payment was made on time in XXXX of 2016. Since the website indicated XXXX due in XXXX, I assumed my estranged wife made the XXXX payment ( who is also tied to this loan ). I fear that the balance due is incorrect and my credit reports are suffering as a result.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Insurance companies and some banks including Time Shares, WILL NOT issue a receipt of payment, they required us to sign up for automatic payments, but will not notify us with a receipt of payment when the withdraw a payment. They will give us an option to go paperless but will not give us the option to receive a receipt of payment with a confirmation. Some of my check / credit card accounts are 3 to 6 weeks before I see the withdrawal.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX.
Product: Mortgage

Due to family illness I was unable to submit the annual occupancy statement for XX/XX/XXXX until XX/XX/XXXX. For efficiency I faxed the form to the fax number listed on the letterhead of the Champion Mortgage form. Three months later I received another request for the same form. I called the company number on the letterhead of the form and was given a different fax number and faxed a copy of the form I had faxed on XX/XX/XXXX. After receiving letters threatening foreclosure I sent by certified mail for which I have a signed receipt the original document which I had faxed in XX/XX/XXXX, a letter stating why I had been unable to submit the form on a timely basis, copies of XXXX utility bills and XXXX DTV bills. The receipt was signed on XX/XX/XXXX. Approximately 3 weeks later I recieved anothher letter suggesting I seek counseling for the pending foreclosure action. This time I called and was told there was no record of receiving the information which I had 1, 2mailed. On XX/XX/XXXX I faxed all of the information I had sent by certified mail and a copy of the signed receipt for the certified mail. On XX/XX/XXXX I spoke with the lady I had spoken to the day before. She confirmed receipt of the documents and told me that I would be contact by someone in Document Support to verify that that department had everything they needed or be informed of what other information that would be required. Today I received a call from a different person who stated that they had only received the occupancy statement. PLEASE HELP ME before this matter moves to foreclosure.
Product: Checking or savings account

Peoples 's United Bank was taken over by M & T. 
We were reassured that the transition would be easier than the previous take over from XXXXXXXX XXXX to Peoples United Bank. 
The full transition was supposed to be finished by XX/XX/XXXX. 
My account is locked. 
I have tried to get this fixed as I have an automatic payment that was to be processed on XX/XX/XXXX. 
I finally reached M & T to be told my account is locked. That I have to go in person to get this fixed. 
Who is paying for this? I have to take time off of work to get this fixed? By XXXX at the call center employee number XXXX. 
There needs to be a formal fix to this nonsense. 
How can I trust these people with my money or information?
Product: Credit card or prepaid card

I was asked for an upfront {$20000.00} deposit by a XXXX  who uphold me a lot of XXXX  work. He gave me a total estimate of {$42000.00} as it was to include all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The first page of his estimate totals {$68000.00} and the second page says {$42000.00}. 
Anyone looking at it could see it does not add up, I asked for a detailed billing gir the {$42000.00} but he never gave me one. 
He did XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
I cancelled as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I had to fit home for 20 days as he cancelled 2 appts. 
I told Amex to give him {$3000.00} which they did which was much more than he should have gotten. 
XXXX  is trying to keep my deposit snd he billed me {$16000.00}. 
He has services snd s mould that was not made The prices on this bill are unheard of. 
I told Amex and disputed it. 
Then they charged me back I then had to go to 2 more dentist who did XXXX and reports and that cost me over {$1000.00} The new XXXX confirmed thework was not done. 
It took me some time to find 2 new reputable XXXX. Im XXXX with s XXXX XXXX and Amex is refusing to give me my money back {$13000.00}. This has been ongoing since XXXX XXXXwhen I cancelled .This is a fraudulent dentist .Amex is ignoring it and Ive talked to 30 people but because the dispute dept is outsourced I go from one person to the next and nothing gets solved.

On top of it They refused to dispute one of the charge on my bill of {$7000.00} and in their terms it says I have the right. 
Its easier to explain via the phone. 
They refuse to send me their dispute terms. 
Today they told me I would be recharged $ XXXXand that it is a tort claim. 
Its not a tort claim. 
Ive been billed for services I never received and they have the evidence. 
Its very simple. 
My credit score is XXXX and Ive had Amex 30 years. 
They are really bad now. 
Ive called in over 25 times and it gets worse with each call.
Product: Credit card

I received an offer from Chase to spend {$500.00} on Chase XXXX by XX/XX/XXXX in order to receive a {$100.00} statement credit. I added the offer weeks before my purchase. Around XXXX on XX/XX/XXXX, I booked a flight in the amount of ~ {$540.00}. I then went back to my account to find that the Chase XXXX offer said it already expired, but just minutes before I made the purchase, my account showed that the offer was still valid. 

I spoke to an account supervisor who said the charge needs to post by XX/XX/XXXX, not be made by XX/XX/XXXX, but this is very misleading considering no one would know how long before they should make a purchase to earn an offer. I ended up wasting hours on the phone about this.
Product: Mortgage

XXXX, contracted with Penny Mac, which is in XXXX, CA and is not an institution, but a whole sale, only. This Penny Mac is a servicer and has been my nightmare since, XX/XX/2009. They have committed the following against me ... forgery, theft, threats, extortion, threats to foreclose, destroying the church checks, false allegations, mailing me a fake check, etc. They are savages and predators and extreme action needs to be taken. Again, I submitted another church check for {$240.00} for XX/XX/XXXX and my check for XX/XX/XXXX and my check cleared and they are claiming I did not pay for XX/XX/XXXX, either. Now they have me in foreclosure, due to their repercussions. The church is devastated, as this goes on every year and I have to battle with this Penny Mac. XXXX, is totally responsible for everything that has occurred against me. Then to top it all, now I receive a bill for two cents. Let them try to collect. The check for XX/XX/XXXX is the XXXX check. All they do is destroy the evidence. This is a yearly ritual with them. 

The rage, depression and the migraines that these predators have caused me has been endless. I could go on and on. This has been years of XXXX. The only services that are offered, which are none, are blood on their hands and they speak with fork tongue. 

The are anti social and savages and their are numerous law suits against them. 
Today, I open my mail and after a month, they have the audacity to mail the church check back and now they want me to send them certified return receipt monthly? In their nightmare, they will. I have been in contact with legal and we will see them in court. The war is not over.
Product: Credit reporting, credit repair services, or other personal consumer reports

convergent has failed to remove this alleged account from my credit report. they are still reporting but refuse to provide me with a copy of any viable evidence bearing my signature showing showing the account is being reported accurately and all they send was a copy of an itemized bill in which could belong to anyone. according to XXXX XXXX XXXX convergent should be aware that a printout of a bill or itemized documents does not constitute verification. convergent is still reporting on my credit report. I have even send them a letter certified requesting this information and I am keeping careful records of everything i send.