23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Good Morning, I have a problem with the Coinbase cryptocurrency platform, it turns out that on XX/XX/2021, Coinbase sent me an email indicating that my account is under review and that it will last a few days, the problem is that I have the account under review and without being able to operate with it for 84 days, I wrote to them several times to be able to consult how my review is and they only tell me that they have many review requests and that they will advance my review to be able to leave my operational account, but I still can not operate. 
I have all my data updated and in Coinbase it appears to me that I am correctly identified at the highest level.

In total I sent 3 emails throughout these 84 days that I have been with the blocked account. 
In the account I have access and I can see my balance, but it does not allow me to buy, sell or exchange cryptocurrencies and it is very sad because as a result of not being able to operate I lost almost XXXX euros by not being able to sell. 
I beg you please that you can help me to recover my account and thus be able to operate with my money. 
All the best.
Product: Debt collection

I get repeated calls each day for a few yeas now, from Transworld Systems, no debt owed, they want payment over the phone to get my card number.
Product: Credit reporting or other personal consumer reports

My information was used fraudulently and as a result I am seeing items that I never benefited from on my credit report that I never was associated with. Even though both XXXX and XXXX have already removed it because of confirmed fraudulent activity, you continue to report this false information. I filed an FTC report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.
Product: Debt collection

XXXX XXXX was hired to collect for my XXXX delinquent student loan accounts owned by the National Collegiate Trust. XXXX made contact with my cosigner ( NOT me ) prior to engaging in what I believe to be illegal activity. On XXXX/XXXX/16, XXXX claims that they spoke with my cosigner and that my cosigner authorized for payments to be taken from my bank account. My cosigner denies this, stating that she specifically did NOT authorize any transaction on any of our accounts. Regardless, on XXXX/XXXX/16 {$870.00} was withdrawn from my XXXX bank account ( which is in my name only, not my cosigner 's name ) by XXXX XXXX and paid to American Education Services, my loan servicer, and listed as a " Borrower Payment. '' I myself had no contact with XXXX XXXX regarding this particular loan issue prior to XXXX/XXXX/16, and I made my first contact with them on this date inquiring as to how it was permitted for my cosigner to authorize payment from an account that does n't have her name on it. I also inquired as to how they were able to obtain my XXXX bank account information if me and my cosigner have never provided information for this specific bank account EVER to anyone at XXXX XXXX. 

I contacted American Education Services to determine whether or not they provided my bank account information to XXXX, they claimed they had not. Which would mean that only XXXX Bank could have provided this information to them. XXXX Bank was the original owner of my loans, but sold them some time ago to National Collegiate Trust. I am curious as to why they might provide my bank account information for loans that they claim to not own anymore. If they did not provide this information to XXXX XXXX, then someone else did, and did so illegally. 

XXXX XXXX told me that they would have to look into the phone call they had with my cosigner on XXXX/XXXX/16 and would get back to me-they have yet to do so. 

I also contacted XXXX asking them to stop the payment of this {$870.00} pending transaction, to which they stated they would attempt, but could n't guarantee that the payment could be stopped since it was already pending. Previously XXXX Bank has been able to stop a pending payment from going through when I 've needed them to, but for whatever reason, they were hesitant about whether or not they would be able to this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somehow there was an extended fraud alert put on all 3 credit agencies. XXXX and XXXX XXXX allowed me to remove it but I had to call them. Equifax is refusing to remove it. They made me take a photo of my ID and myself through and app then told me I couldnt verify myself the information they had didnt match up. I asked to speak to a supervisor and the supervisor refused to help me and told me that I have to mail documents in. After asking 4 times what documents but her refusing to answer me just reading a script and talking over me I just hung up. I did not authorize this fraud alert and I want it removed immediately. Im not mailing my personal information through the postal service at all. This is probably how my identity was stolen in the first place years ago. I did not authorize this and I want it removed off my account immediately. Whoever put it on there didnt have to go through this verification OBVIOUSLY because it wasnt me so why should I have to go through this trouble?
Product: Credit card

My wife signed up for a Target Red Card credit card since we are ( or were I should say ) frequent target shoppers. I signed up online for autopay and then the website managed to not register that I had signed up. Sure enough when I get the bill 2 months from then ( the first month I assumed would be taken care of ) it became clear that their website did n't register that I had signed up for autopay. So I went online and signed up a 2nd time. now it 's few months after that and we realize that they are still charging late fees because their website managed not to register the autopay a 2nd time. I spent 2 hours on the phone with them. The person refused to hand me off to a supervisor. Blamed me for not paying close enough attention to the bills ( which kind of defeats the purpose of autopay ) and did nothing. Please open an investigation to see if this is a widespread scam -- or really only for us and a few others. If you look online there are tons of complaints about the redcard and their lack of oversight. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I spoke with Discover reps yesterday, XXXX, was advised accounts are closed, checking account overdrawn in the amount of $ XXXX including returned item in the amount of {$690.00}. This item is a check issued from XXXX XXXX XXXX XXXX, mentioend in prior CFPB complaint ( XXXX ), a relative deposited check into account under his name. It appears the relative made a claim for this amount with issuing bank, XXXX XXXX, whom in turn investigated item and was returned back to them as of yesterday, XXXX. I spoke with a XXXX XXXX with XXXX XXXX to verify return, was told it was not returned, it was denied... I then reached back out to Discover, was told funds were returned to XXXX XXXX, which does not match up with information provided by XXXX XXXX
Product: Debt collection

We had a family plan with XXXX, we returned all equipment, paid more than {$1000.00} dollars for early termination. We then never received any Commumication. I checked my credit today and a Amsher Collection Services placed a Negative Remark on my credit for {$750.00} on behalf of XXXX . I am very upset as I have over a XXXX credit score that has gone down almost XXXX points. This is unfair as a consumer, Amsher has never contacted me and this is bullying tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of {$20000.00}, {$200.00}, {$20000.00}, {$1500.00}. 
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 Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$20000.00} -This is not my account. 


2. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account. 

3. XXXX-XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 


4. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account.
Product: Payday loan, title loan, personal loan, or advance loan

A loan was taken out on XX/XX/year> in the amount of {$1100.00}. I have contacted the company in order to revoke XXXX authorization on XX/XX/year>, which was acknowledged via telephone and email confirmation. However, I have received communication that my account is now going to be placed into collection efforts because my ACH authorization has been revoked, which I could revoke based on the lease agreement. Unfortunately, it has come to my attention, that South Branch Lending is an illegal payday lender and is not licensed in my state, IN. They claim to be tribal lenders, but upon further investigation, they have been operating illegally under the tribal name that they claim, and this has been brought to a court 's attention previously. They claim to be a part of the XXXXXXXX XXXX XXXXXXXX, XXXX, which has been known for their rent-a-tribe schemes and illegal payday lending with usurious APR. Their APR for the loan that was taken out is completely illegal in Indiana, which they were aware of as it is stated on the loan application. Ultimately, this loan is null and void.
Product: Payday loan, title loan, or personal loan

I applied for loan through NetCredit. And was approved for {$1900.00} I was to send either 2 bank statements or 2 pay stubs I was advised I didnt need both I sent my XXXX paystub which I thought would be enough since it had year to date. 
I was also advised to call to verify my identity which I complied the loan was to be funded XX/XX/XXXX. But it was withdrawn instead. I contacted NetCredit to see why it was withdrawn They stated that I needed to send either my XX/XX/XXXX paystub OR 2 bank statements to prove my income. XXXX sent the XX/XX/XXXX again I was advised I could use 2 paystubs OR 2 bank statements Not both now they are refusing to fund the loan without bank statements Im concerned about invasion privacy laws due to having a joint account according to NetCredit I can not black the joint account holder information out.. it unfair to be denied for trying to protect the privacy of the joint account holder.
Product: Debt collection

XXXX XXXX XXXX  say i owe XXXX i never had this card in it say open like im using it in i dont even got the card
Product: Credit reporting or other personal consumer reports

Please help!!! Experian continues to violate my rights. They are still reporting the incorrect bankruptcy on my credit report and are lying and saying that they are verifying it. The attached letter from the courts clearly states that they do not communicate with the credit bureaus, This item ; XXXX  XXXX Bankruptcy XXXX XXXX : XXXX must be deleted!
Product: Vehicle loan or lease

Consumer My mother XXXX XXXX XXXX and I XXXX XXXX got a loan from XXXX in XXXX CT through Capital One Auto XX/XX/XXXX the loan was in her name and mine XXXX XXXX my mom passed a XX/XX/XXXX and as her Executor of Estate I have been engaging in clearing all financial issues so I called Capital One Auto XX/XX/XXXX and advised them of Mothers death and that they would have to remove her have and I would be solely responsible the intern told me to fax over the death certificate and this would be taken care of by the next billing cycle of the XXXX. I received XXXX bill with no changes done a called them again and again month after month them advising me that it would be taken care of and they didnt understand why its not done and would check in another department and told they would remove my mom from the loan reference on XX/XX/XXXX spoke to XXXX. The next call was on XX/XX/XXXX that there was a note in the system nothing the next time I called in that I would have to call the DMV per the back office the gave me s fax # XXXX per XXXX that the title would have to be changed there and my request is to have my mothers name taken off the loan because I am on the loan as well, I was overwhelmed on that day going back an forth for months and threatened to call the news so then the transferred me to a XXXX XXXX @ XXXX Ext XXXX executive response coordinator she listened and said she would look into this and get back to me in a few days well that did not happen, I called and left her about 25 messages. Capital One sent me a letter on XX/XX/XXXX stating they tried to get in touch with me this is not true I am home everyday. See attached- nothing has been done to resolve my issues.
Product: Debt collection

portfolio recovery associates is stating I owe several debts. The first debt is in the amount of {$390.00}, the second one is in the amount of {$630.00} and the last one is in the amount of {$520.00}. I have repeatedly disputed those claims several times via mail, XXXX XXXX, and XXXX XXXX XXXX because these are not my debts and fraudulent activity with the accounts. Portfolio recovery associates also restarted the clock on two of the accounts from XXXX to XXXX. I have only received letters from portfolio recovery associates regarding the debt of {$630.00}. Which I do not own that debt either. The first letter was suppose to be verification of the debt but it was not verification only bill information. I have not received anything for the other 2 accounts at all. Every time I dispute them they add a different remark on my credit as to why they did not delete the account. The last 2 times I disputed them I havent heard back for them on either of the accounts. I do not have a contract with them and I do not own either of these debts. I am also currently disputing them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm assuming that you either didnt receive my letter I mailed on XXXX or your just ignoring me, because I clearly noted each and every issue of the accounts that were misleading and unverified I understand that you receive thousands of disputes every day, your website states to dispute by mail. At this point, I really need to see something that proves there was independent investigation and that you didnt just toss my letter in the trash. I expect a quick response at this point with the items that are inaccurate deleted since you are in violation with it being over 60 days with no response. My information was impacted by data breach so it is possible my information landed in the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : {$32000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA obtained a copy of my credit report  on two occasions without my permission on XX/XX/2018 and XX/XX/2018. I did not authorize these inquiries.
Product: Checking or savings account

I have a business checking account and did not know they would be charging me monthly fees each month without notice or telling me this is unfair they never told me they would do this to my account I want all fees reimbursed back
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. the company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4. 

XXXX XXXX # XXXX LATE PAYMENTS XXXX XXXX # XXXX ONE LATE PAYMENT XXXX # XXXX XXXX XXXXXXXX XXXX FOR {$3400.00} XXXX XXXX # XXXX FOR {$8300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX FOR {$3300.00}
Product: Debt collection

I received a voicemail from a Mr. XXXX / XXXX on XX/XX/2019 to call him back, however, he did not leave his name on that call only a number. I did return is his call to a number XXXX ( which I recorded the phone call ), the return call was to see if this was a legitimate call or not. However, Mr. XXXX/ XXXX was only interested in gathering personal information which is a violation of the Gramm-Leach-Bliley Act. I have received no written communications from his so-called " business '' and I do not have any bad debts. I asked Mr. XXXX/ XXXX several times on what this was concerning, however, all intentions were to gain personal information from me. Mr. XXXX/  XXXX using my full name as well as not giving me any details of the nature of the call or so-called " debt ''. Mr. XXXX/ XXXX only seemed in trying to gather personal information from me. As you will hear on the recording he said : " I speak clear English '' in order to gain my trust in giving him personal information. Just because he " speaks clear English '' does not automatically mean he is not violating my rights ( he is using deceptive tactics to try to deceive me ). Luckly I did not fall for it. After I called him out on being a scam he ended the call. I have attached the recording of the call in the next section.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to Experian and XXXX  for months now and I have repeated myself over and over again. I am extremely concerned about the actions they are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX
Product: Debt collection

The account was transferred to a collection agency over 7 years ago, but the collection agency changes the date to keep the account active on my credit report. 

The account was a charge card for XXXX XXXX and the charges were added because I disputed a fee charged to me when the payment was made on the due date. I did not pay the fee, therefore late fees were added every month until it reached {$370.00}. I refuse to pay the amount and have discussed this with the collection agency. These fees are all charged because I disputed a late fee charge which they should have corrected. 

I am tired of this item being on my credit report and would like to have it removed immediately because I do not owe it and it has remained negatively on my account for over 7 years.
Product: Credit reporting

After checking my Credit report there is a question about XXXX ( credit Card ) application that I did not apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX
Product: Mortgage

CREDCO MADE A LOT OF INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written XXXX, XXXX, and Experian for over a year to stop reporting inaccurate information. However, they continue to violate my rights. 

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Credit reporting, credit repair services, or other personal consumer reports

The last time I sent out my dispute letters was on XX/XX/XXXX. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/XXXX. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XXXX, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. 


I have been the victim of fraud since XXXX and have had to combat it ever since. 
These accounts are the result of fraud, I have never opened these accounts or had any knowledge about these accounts till now. I have the police report and I have the Federal Theft Affidavit. This is getting out of hand. 

Under the FCRA 2009 ( b ) ( 3 ), these accounts are known to be fraudulent, are the result of fraud and I am now asking that you do your duty under federal law to cease and desist.