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

I moved from US to XXXX and I was no longer able to access my Coinbase account due to the inability to receive the sms for the extra layer of authentication. 

I contacted Coinbase on late XX/XX/2020 and they advised me to create a new account using my Romanian credentials in order to regain access to the original account. 

All said and done, followed their instructions and instead of a resolution, I got no replies for over 2 months. I tried reaching out to them on XXXX and I probably touched a nerve as they restarted the correspondence and eventually gave me the long needed access to my Coinbase account but to my surprise, the account was just a mirage, as I could only log in and view my assets, without being able to access or modify anything, including sending, exchanging or withdrawing my assets, while a top banner was instructing me to wait for a couple of days for the identity verification to conclude. This was over 7 months ago, the same banner still pops up whenever I log in and my account is still just a shadow. 

I have opened countless support tickets asking them for an explanation and an update regarding my status but they ghosted me ever since. All I ever got were a few automated replies notifying me that Coinbase has resolved and closed my case which is completely untrue and unfounded as they resolved nothing. 

Seeing tens of thousands other complaints on reddit and other social platforms brought me to the point of considering I was being scammed or something related and had no other choice but to start a legal process in the attempt to regain access to my portfolio now valued at around {$50000.00}. 

In conclusion, Coinbase is unlawfully holding my assets, causing me financial grief and emotional distress. 

Please assist me in this process of bringing Coinbase to the legal accountability, according to the trading laws. 

I have email proof of the correspondence between me and Coinbase and happy to provide if the need occurs.
Product: Debt collection

I became XXXX on my job, the supervisor call the fire department, and I was taken to XXXX XXXX XXXX Hospital , Inc because I has XXXX XXXX I was admitted over night. They took XXXX  and put me in a room and given XXXX XXXX for XXXX and I talked to a few doctor about my pain. Than the next day I was discharged. I have received over 4,000 dollar in medical bill. This happen in XX/XX/XXXX XXXX. I just got another bill {$2300.00}, I am already paying collection {$100.00} a month. I don, t believe this is right, I do not owe all this money. I am XXXX year old, now I have to work just to pay this bill. I had a problem with my XXXX XXXX  insurance. which did not pay the Hospital. I thank I am over paying these people. What do you thank.
Product: Payday loan, title loan, personal loan, or advance loan

Applied for on-line loan. They said they weren't able to send electronic so they sent me an electronic PDF checks. The first one my bank advised not able to cash because they weren't able to process so they deposited into my savings, which bounced. I advised them and they said it was because it was in savings instead checking so they sent another PDF and said to be sure my bank deposits it into my checking and not the savings, which they did and it bounced. I notified them if this and they insist that my bank is refusing the electronic deposit from them, which I find hard to believe. My account has been accessed {$80.00} in NSF fees along with a daily {$5.00} fee for the negative balance.
Product: Credit card

I made a {$200.00} payment to my XXXX account on XX/XX/year> online ( XXXX XXXX XXXX ) via an XXXX from my bank account, which in fact cleared and posted to my account. On XX/XX/year> I logged in to make a purchase and noticed my recent payment was not reflected in my available balance. I immediately called the number on the back of the card at XXXX XXXX. I was told because i am a new member it can take 21 days, but she said she didn't see an end date. I was also told if i want payments to reflect sooner to go into a store and make it in person with cash or debit. I've made payments in the same manner and this has not been an issue. I also have never heard of this type of policy in my many years of being XXXX at a financial institution for over 17 years as well as having many different department store cards. 

If this is how you treat new members I am afraid of how tenured members are treated.
Product: Payday loan, title loan, or personal loan

I am a consumer law attorney in XXXX, NC. Regional Finance Company absolutely refuses to engage with counsel regarding accounts that it has filed complaints to recover money owed. They say that their company policy is not to speak to any third parties, including attorneys. This makes my job as a consumer advocate impossible. My clients have the right to be represented by counsel when a creditor files a legal action against them - even if it's in small claims court. Regional Finance Co can not just refuse to engage with counsel. My only option is to appeal every small claims judgment to district court so that Regional Finance Co will have to retain counsel to participate in the legal process.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$1000.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

2. XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Last year, I submitted a dispute to Lexis Nexus regarding the inaccurate Bankruptcy reporting to my consumer report.

I asked them to verify the furnisher who reported this information on me. 

They confirmed they received the information from PACER. 

I then reached out to XXXX to confirm how they received this information and how they verified it was accurate. 

I also reached out to the court listed to ask if they provided this information to XXXX or Lexis Nexus. 

The court confirmed they do not provide any information directly to consumer reporting agencies or XXXX. They also said they do not verify the accuracy of information being reported. 

XXXX  is not the entity who can verify this information being reported accurately. Because they are not the original source of this information. Only the court can do that. 

Since the court has confirmed that they did not provide this information to Lexis Nexus. They also confirmed they did not verify any information with Lexis Nexus.

When I reached out to dispute this information, Lexis Nexus completed their re-investigation and responded back saying this information has been verified.

Since the court ( the original data furnisher of this type of information ) did not furnish this information to Lexis Nexus nor verify this information.

I need this inaccurate bankruptcy removed from my consumer report, it is reporting falsely and tarnishing my credit.
Product: Credit card or prepaid card

Daughter charged a product with my store credit card issued by Wells Fargo for XXXX in XX/XX/XXXX. I never received a bill via email, regular mail ... ( validation of debt ). I discovered there was a problem in XX/XX/XXXX while reviewing my credit scores. I contacted Wells Fargo immediately and made on phone arrangements to payoff ( and close ) acct. All late fees were waved. 
My acct was sent to an investigator who stated, at the end, they only send bills as a courtesy and since I made the charge, I was responsible. They again charged late fees as the investigation took place. She waved the late charges for the final and third time. 
I have no papers to confirm what wrongs have been committed by the credit card institution against me, which equals = no proof or chance of resolution. In my profession my credit score is used with any and all job applications. All lies, miss leading referrals, promises are unprovable because all contact with these people was by phone. All disputes to credit report agencies are strictly based on documentation. 
The only up shot I have is that my credit score was at one time XXXX and anyone who sees my credit report will automatically see the problem may not lay with me, but in fact the problem lays wth Wells Fargo Bank.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - charge off XXXX. XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} - charge off Equifax : XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - charge off XXXX. XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} - charge off XXXX : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - charge off XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} - charge off
Product: Mortgage

My name is XXXX XXXX i applied for some time share in XXXX XXXX Nevada I have late payments reporting on my credit report from XXXX XXXX per 15 USC 1692, 15 USC 1666B, CFR 1026B, FCRA 15 USC 6802 THAT LATE PAYMENTS ARE ILLEGAL TO REPORT AND IS A VIOLATION OF MY CONSUMER RIGHTS I WOULD LIKE THIS REMOVE OFF MY CREDIT REPORT AS SOON AS POSSIBLE THANK YOU.
Product: Credit reporting or other personal consumer reports

As a victim of XXXX, my personal information was misused without my consent. I request that these fraudulent items be investigated and removed from my credit report. 
XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy U.S. Bankruptcy XXXX XXXXXXXX XXXX  : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 

This company is braking several laws while violating my rights as a consumer under the FCRA & XXXX! 15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX ACCOUNT XXXX : XXXX DATE OPEND : XX/XX/XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPENED : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending in the proper paper work to all three credit reporting agencies, the agencies refuse to verify my debit with any original signed agree with me and companies in question. I also have been a victim of identity theft. I would like my report to be correctly reported.
Product: Vehicle loan or lease

I took out a loan with Santander Consumer USA XXXX to buy a XXXX XXXX in XX/XX/2009. I got the loan with a rate of 29 % and they charged me 10 points upfront. 
I struggled every year to pay the car note paying more than 3.5 times what I paid for the car. I almost lost everything trying to make that car payment. 
I have been late almost half the time I had this loan. I have had the loan for almost 10 years after 10 years Santander should have take the negative remarks off my credit report after 10 years. 
Santander what they did was the oldest payments they took off my credit report so they could keep showing my negatives for almost 20 years way past what is allowed by law.
Product: Credit reporting or other personal consumer reports

I had been officially a victim of Identity Theft fraud in a California state. Please see attached documentations provided to me by the FTC, Local Police, FBI, XXXX Department of Justice. I hope you will FINALLY respect and consider all these documentations from the law enforcement AGENCIES AT THIS POINT IN TIME.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit reports from XXXX, Experian, XXXX and notice many fraudulent and erroneous accounts. I DID NOT ORIGINATE OR AUTHORIZE these fraudulent accounts to be posted on my credit report, please remove them within XXXX business days of receipt of this letter on clear grounds of Identity Theft Pursuant to XXXX XXXX XXXX. Also, Update my XXXX XXXX immediately pursuant to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX b ). DELETE INQUIRIES : XXXX, XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX, Bank of XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. DELETE AKA : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DELETE PREVIOUS ADDRESSES : XXXX XXXX, ADD CORRECT NAME ( ALL ) BUREAUS : XXXX XXXX XXXX.
Product: Credit card or prepaid card

Back a few months ago I tried to pay a {$1000.00} on my Cititcard. It would not let me at all. So I tried different amounts and it finally let me do {$200.00}. Today I tried to pay a {$100.00} and it would only let me pay the minimum payment. I think this is terrible, because I am trying to pay this card off. I paid {$5000.00}, {$3000.00} and other large amounts to othe creditors with no problem online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Tansunion, XXXX, and XXXX to verify my bankruptcy in XXXX. They did not verify because the court house does not give out this information for verification and it needs to be deleted from all 3 credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these accounts inwhich the following accounts do not belong to me nor do I have any knowledge of them. I'm asking for these accounts to be blocked, XXXX XXXX XXXX, {$1100.00}, {$500.00}, {$100.00}, and XXXX XXXX   {$2300.00}.
Product: Checking or savings account

Dear Representative, Greetings, Reference : XXXX  XXXX Closing XXXX, Routing number XXXX I do apologize for my late request. I lost my Mother and was out of the Country for a couple of months, and due to the impact now, I am recovering from this loss. 

We opened a business account for our Non-Profit Organization called " XXXX XXXX '' on XX/XX/year>. We were excited to work on fundraising activities primarily among friends, and then our goal was to expand. Unfortunately, on XX/XX/year>, we were stunned to receive notice of the closure of Truist Account # XXXX ( Case N. XXXX ) from Centralized Fraud XXXX Truist XXXX XXXX XXXX XXXX 

Unexplained, we were unaware of the reason for the account being closed. My due diligence was starting to call the XXXX XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX ; fax ( XXXX ) XXXX. He was on leave and would return the week after. So, we waited. Once, at the XXXX, XXXX tried to e-mail the XXXX XXXX overseeing the closing issue and asked to give him a minimum of XXXX Weeks. Another week later, we were forced to withdraw the money due to the harsh imposed conditions and without chances for appeal. I rearranged another phone call with the representative of the Fraud Department, where I asked them to explain the reason for the closing of this account. I was told the Bank reserves the right to deny any explanation. Later on, we found that a lady named XXXX contributed to our Organization a Check amount of {$100.00} from Her personal checking account, which came to be closed without her knowing it was closed. We had no idea what grounds we were forced to go without the account. The implication makes it cold, choking water into our Organization 's finances up today. We received a donation from our friend, and she presumably confused herself and got an old check handled to us ; we did not know after we collected other checks, we deposited them into Truist Bank in DC. For your information, my wife and I have been customers of BB & T for more than two decades and have NEVER HAD ANY FRAUD ACTIVITY WITHIN OUR ACCOUNTS. Now with Truist Bank we become marginals? This is an untruth that is hard to bear with.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Transworlds Systems. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX : {$9700.00} XXXX XXXX Balance : {$4200.00}
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transaction by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact, I am in fact, requesting this block on behalf of myself. On XX/XX/2024 and on XX/XX/2024 XXXX, Transunion, and XXXX were all notified by certified mail. According to FCRA my rights are in violation of 15 usc 1681c-2 consumer request to block information from alleged identity theft making the credit reporting agency civilly and criminally liable according to 15 usc 1681n and 15 usc 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Hyundai motor finance that I paid on time monthly. Once I turned the car in, I submitted the final car payment. ( Final payment in XXXX- paid twice that month ). I was subject to fees ( over mileage and disposition ) which I ultimately paid as well but were not part of the revolving payment. 

Hyundai reported to credit bureaus that I paid my monthly installment late and that I settled for less than the amount owed- both inaccurate. I can not get someone at Hyundai to speak with me about this.