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

I have a account in coinbase.com opened for Bitcoin selling/buig. They provide a few personal Wallets to operate in BTC ( Bitcoin ), EUR, LTC, ETH.
I deposited 10 EUR on my EUR Coinbase Wallet on XXXX XXXX XXXX.
I transfered my personal Bitcoins : XXXX BTC ( from external adress ) to my bitcoin Wallet on Coinbase on XXXX XXXX XXXX.
I sold my Bitcoins and transfered founds : XXXX to my EUR Wallet on Coinbase on XXXX XXXX XXXX. They got a fee XXXX.
On XXXX XXXX XXXX i requested withdraw XXXX from my EUR Wallet to my Bank Account in XXXX. Type of paymant was : SEPA. Coinbase write on they webpage that the transfer will be done in 4-5 days.
Bank Account was been verified ( i.e. small paymant was done before and checked that account is mine ).
To this day requested founds have not been transfered.
I writed two complain tickets on coinbase.com support page. First : XXXX XXXX XXXX, second XXXX XXXX XXXX. On both I have received only automated messages without any desire to solving the problem.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention serious concerns regarding inaccuracies in my credit report, as reported by XXXX, XXXX, and Experian. It has come to my attention that these credit reporting agencies are in violation of 15 USC 1681 and 15 USC 1666b by incorrectly reporting late payments from XXXX XXXX  XXXX, XXXX XXXX, and XXXX on my credit profile. 

Additionally, there is an entry from XXXX XXXX that does not belong to me, and I am requesting its immediate removal from my credit report. I believe this inaccurate information is not only damaging to my creditworthiness but also a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I request the removal of any inquiries that are not attached to open accounts. My personal information was compromised in the XXXX data breach, and as a result, I am concerned about the potential misuse of my credit information. Removing unauthorized inquiries will help protect my credit profile from any further harm. 

I have previously written to XXXX regarding certain discrepancies in my credit report, and to date, I have not received any response. As per the FCRA, it is my understanding that prompt attention and resolution are required in such matters. I request that XXXX address and rectify the issues raised in my communication promptly and ensure the necessary corrections are made to my credit report. 

I kindly request the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate action to ensure compliance with the relevant statutes. The inaccurate reporting by these credit bureaus, the inclusion of unauthorized inquiries, and the lack of response from XXXX have adversely affected my financial standing, and I am seeking resolution to rectify these issues promptly. 

Enclosed with this letter, please find copies of the relevant sections of my credit reports highlighting the inaccuracies and unauthorized inquiries in question. I believe that a comprehensive review of the provided documentation will support my claims and prompt the necessary corrective actions. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will work diligently to rectify these credit reporting errors. Please inform me of any steps taken and the resolution reached. 

Thank you for your prompt assistance in this important matter.
Product: Credit card

In XX/XX/XXXX I opened a business credit card with Chase Bank. I was issued a Mastercard. In XX/XX/XXXX I was encouraged to get paperless online statements which I done because I was told I would always have access to my statements. XX/XX/XXXX my account was sold/traded ( however that is done ) to XXXX business card. In about XX/XX/XXXX I requested hardcopies or online access to my Chase business card purchases from XXXX XXXX up until XXXX took over the account. XXXX tells me that Chase never transferred that information to them. They gave me a contact information for Chase business and they tell me that everything was transferred to XXXX XXXX. Neither company can come up with my statements from XXXX up until XX/XX/XXXX. Each time I request the information I am told it will take thirty days to get it and then when it is sent I only get as far back as XX/XX/XXXX.
Product: Checking or savings account

XX/XX/XXXX opened account online because I have been banking with them since XXXX ( their words and printed in the debit card sent to me ). Deposited check electronically got confirmation and dates that funds would be available because it was a holiday weekend. Signed into online checking ( got the app and everything ) signed up for mobile alerts then no more access to online banking. In total over 5 hours already with them, have to call wait on hold then told to go to a bank to verify id? They never said this before why did i verify my email why did they let me have info about the account if id was not verified. They let me know all the details. Expressed my disapproval then 10 mins after getting off the phone i receive another email to the check amount deposited into what turns out a account they already closed then they extended the time for check to clear 13 or 14 days after email that said partial access to payment next day. Then when I do go to the bank { on my lunch break, 12 hour shift } the account is closed but they still deposited check and unfortunately they do not have anymore slots available today. Now I have to deal with the consequences of that I have limited funds I am poor on food stamps in school but barley making it right now. The email States that if I had written checks on the account or check return fees i am covered? What about my rent what about my expenses? XXXX would of cashed the check online ( its a check from chase with the whole page attached ) yet I have to wait and wish and hope no this is false advertising miss leading emails and poor conduct by a corp that should be ashamed of themselves because of their business practice. I am not going to cease till they learn their lesson so others do not fall prey to this disrespectful and criminal ( in my opinion ) of a corporation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Card account holder is deceased as of XX/XX/XXXX. Citibank charged {$99.00} annual fee to the account in XX/XX/XXXX, no payment was made since account owner is dead. I contacted Citi probate department but no action was taken. They have reported delinquency to Credit Reporting Agencies even though the account is closed with no dept. I was an authorized cardholder and this has negatively affected my credit score.
Product: Student loan

1. I requested from American Education Service ( AES ) all of the documentation concerning the loan. The loan was originally with XXXX which was turned to XXXX XXXX. I asked AES to provide me with the documents stating what company owns the loan and the transaction documentation when the loan was transferred or sold. AES responded that they were unable to provide the information. 2. I was told when I first got the loan that I could remove the cosigner after making 24 payments. Now they have changed the rules : a ) You can not have had a deferment. b ) When making payments, you must wait 30 days before submitting the next payment. This is to prevent a person from paying the 24 payments quickly. 3. The terms of this loan are very difficult, almost fraudulent. The loan was for {$16000.00} in XX/XX/XXXX and no payment until XX/XX/XXXX. In XX/XX/XXXX, the balance was {$21000.00}. A deferment was requested and in XX/XX/XXXX the balance was {$24000.00}. I made payments in Starting XX/XX/XXXX to XX/XX/XXXX and the balance remained the same at {$24000.00}. The balance has fluctuated up to {$26000.00} in XX/XX/XXXX and is {$25000.00} as of XX/XX/XXXX. At this rate I will never be able to pay off this loan. I have  attached my loan payment history. The payment is currently {$210.00} per month. I have asked AES if I could modify the terms of the loan but they said they would not change it. 4. If AES or the lender who currently " owns '' the loan can not provide proof that they truly own the loan or service the loan, then by law they can not collect payments for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX : XXXX XXXX XXXX XXXX, have violated my rights. 
Account # XXXX : XXXX Bank XXXX, have violated my rights, Account # XXXX : XXXX XXXX XXXX, have violated my rights. 

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

15 U.S.C section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ran my credit without my permission. There was a representative that can to my job solicitating, claiming to get me a cheaper plan but did not receive permission to run my credit. I called the corporate office and made them aware of the unfair practice. I'm requesting removal of the inquiry from my Credit reports!
Product: Student loan

I was not aware Navient was my student loan provider, nor that my loans were considered to be XXXX different accounts. As a result they reported me late and my credit was tarnished pretty badly. I am on good terms with them now but I want them to remove the late marks as I was not aware and it did even more damage than I knew was even at stake
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report. I am a victim of a data breach, and these accounts were opened and inquiries were made without my consent or authorization. 
As provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of these fraudulent accounts and inquiries from my credit file. 
XXXX Accounts : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$770.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$820.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2400.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - XX/XX/XXXX
Product: Debt collection

Due to a subprime loan by Countrywide/Bank of America, I lost my home on XXXX XXXX in XXXX XXXX in XX/XX/XXXX in a foreclousure sale. Bank of America Foreclosed on my home in XX/XX/XXXX, and no other activity occured on said account since. Bank of America reported to their collection company a wrongful activity date of XX/XX/XXXX. This is on my credit report with XXXX and XXXX and must be removed immediately. The last activity on this account was the foreclosure in " XX/XX/XXXX ''. I have submitted several letters of Dispute and calls to both XXXX XXXX XXXX, and to Bank of America to no avail. I need help having them remove this from my credit reports since " XX/XX/XXXX ''. 
I have attached some letters of dispute I have sent to them.
Product: Credit reporting or other personal consumer reports

I am experiencing a persistent issue with my TransUnion account appearing as frozen, despite all indications that it is not. I have already confirmed through the TransUnion site that the freeze is lifted, and a representative confirmed by phone that no freeze is in place. I have also ensured that all other credit bureaus are unlocked and unfrozen, yet every time I apply for credit, I receive a response stating, 'Your TransUnion report is frozen ; please unfreeze and reapply. ' This error is now disrupting my home-buying process, creating unnecessary delays and complications. I am requesting immediate assistance to investigate and permanently resolve this issue to prevent any further harm to my home purchase timeline. Please treat this matter with urgency. ''
Product: Mortgage

I have had my mortgage with PHH mortgage now for 2 years. After the 2 years I reached out to PHH to have my house revalued to drop my PMI ( appraisal completed in XXXX ). The value came in at {$330000.00} with my balance owed at {$270000.00}. This puts my XXXX at 80.68 %. They reached out and informed me it would not be canceled due to not below 80 % which makes sense. However I asked them to recalculate my PMI based off my new XXXX. They have refused stating that in my closing package there is a doc that states it will not be recalculated for 11 years. I informed them I think that goes against federal law and if they dont do anything I will be reaching out to the CFPB. They just had their third response with me that they wont be doing anything. I have currently made XXXX payment and XXXX payment since the new value. That is 2 months that PHH has had me over pay my PMI. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion are committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine on my consumer report. This debt is not mine and this is illegal and fraud and a result of identity theft which I have been a victim of twice already. I do not owe alleged amount from these fraudulent accounts placed on my consumer report and a company cant just say you owe money and place an item on tri-bureau reports fraudulently and falsely. I have been denied employment twice because of these inaccurate accounts on my consumer report and causing my family and I a high level of emotional distress because we cant move forward. I demand for these accounts to be removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

in 2015 I went to bye a pickup truck from a dealership and that is when i was informed that i had purchased a home in Texas and also bought a car in XXXX XXXX so ever sense that day my credit score has went down. the thing that i do not know what to do
Product: Debt collection

Abusive, Deceptive, and Unfair Debt Collection Practices under the FDCPA ; Violations of the Fair Credit Reporting Act ( FCRA ) I am filing this complaint against XXXX  and XXXX  for engaging in abusive, deceptive, and unfair practices that violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The specific issues are as follows : XXXX has furnished an amount that I did not agree upon, and I did not sign any agreement pertaining to this debt. According to the FDCPA, a legal contract must be signed by both parties, and I did not participate in any such agreement. 
XXXX failed to follow the proper XXXX validation procedure for debt collection, making their actions an unfair practice. 
Under the FDCPA, I am entitled to {$1000.00} per violation. Clearly, XXXX has violated my rights as stipulated under the FDCPA. 
XXXX. FCRA Violations : The account furnished by XXXX  ( Account name : # XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under the following sections of 15 U.S.C. 1681 : 15 U.S.C. 1681 Section 602 ( a ) : States that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits any consumer reporting agency from making a consumer report containing adverse information that is more than seven years old.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits any person from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

I have been disputing this account furnished by XXXX since XXXX. XXXX claims that XXXX  has purchased the agreement without my knowledge or signature. 
XXXX  does not report to the credit reporting agencies and is not reporting a tradeline for this account. 

XXXX has furnished the account and has failed to provide a permissible purpose for doing so and has not followed the proper XXXX validation procedure. 

I hope that the CFPB will take swift action to address these violations and prevent any further abuse of consumer rights. I would hate for this issue to escalate into litigation because the CFPB allowed a furnisher to engage in unfair practices. It is the CFPB 's responsibility to ensure that companies adhere to the law and protect consumers like myself.
Product: Debt collection

The week of XX/XX/XXXX I sent a letter to XXXX, XXXX, and XXXX to verify/validate a debt that is on my credit reports. XXXX sent a letter the week in XX/XX/XXXX stating this debt was under investigation. I never received any notification about this debt being verified or validated from none of the bureaus but on XXXX this account is showing as closed, XXXX and XXXX it 's showing disputed by consumers. Diversified failed to verify or validate this debt for account XXXX
Product: Mortgage

I went to OGI Mortgage Bankers to help me with an equity line of credit against my property so that I could pay off current good credit cards and prepare to invest in about 6-8 months. XXXX XXXX, the Loan Manager agreed to work with me, but he failed to provide an ethical process and my credit profile was damaged. 

The list of issues outlined below is taken from an email that I sent to the attorney of OGI Mortgage Bankers/Ony Glo, Inc. 


1. My credit score was NOT an issue when I approached XXXX of OGI Mortgage Bankers, for the Equity Line of Credit request. I approached XXXX for an Equity Line of Credit because I was looking to invest in property within the next 8 months. I wanted to pay off my current debt to raise my credit profile so that I could invest. 
2. XXXX began the process to re-finance my property because he said it was a quicker and surer way to resolve debt and raise my credit profile to expedite investment opportunities. 
3. My credit and/or score was NOT mentioned as a problem to secure the re-finance. My outstanding student loans was mentioned as a factor. 
4. When XXXX failed, to his own written admission, to provide what he promised, I requested him to cease ALL loan processing. 
5. I secured an Equity Line of credit loan ( as initially requested ) within 3 weeks by XXXX XXXX XXXX. 
6. XXXX was negligent, unprofessional, and dishonest. This has negatively impacted my credit. I am requesting OGI to make this right!
Product: Vehicle loan or lease

My car was totaled out on XX/XX/XXXX my insurance had the total loss settlement done by the XXXX the same day my self and insurance company called Bridgecrest letting them know to send a title with XXXX name on it I order for a check to be sent. Everyday I called asking had it been done and it didn't. Finally on XX/XX/XXXX I made a conference call with insurance and they said they requested it as of that day. I'm not sure why it took 13 days to do so. Now I am two months down the line and still waiting on this issue to be resolved. There total loss department does not have contact information for the public. I get the run around from there employees. Today XX/XX/XXXX I called and they can not locate the check my insurance sent over. I'm still responsible for the car. I have to keep continuing to pay {$240.00} every two weeks. They have been prolonging this issue changing and adding to my pay off amount having the interest go up on this car loan. Resulting in me not being able to get another car. No supervisor is ever available to speak with. I have maxed out all my efforts with this company with trying to have this issue resolved in a timely manner. I have phone logs and recorded conversations with this company for proof.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against ( block , inc ) Due to inadequate customer service and unfair practices, which violates the consumers Financial protection act ( CFPA ). Specifically, cash app failed to take timely and effectively measures To prevent and address Fraud on their platforms, Leaving my account vulnerable and unprotected. Furthermore Their dispute resolution process was unfair and deceptive, And they did not comply with error resolution Requirements under the electric fund transfer act ( EFTA ) and regulation E. These actions have caused a significant inconvenience And financial losses And I seek appropriate re-dress in this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inquiries on my credit report that do not belong to me
Product: Checking or savings account

When they did send me something it was not verifiable as it was only a transaction history report that is vulnerable to fabrication and alteration. 

Refusing to process my chargeback reversals that me and the merchant lucky creek agreed to and if intentionally stalling the arbitration process and refusing to accept the documents I have provided numerous times Also refusing to file the chargeback requests for another merchant chumba casino who through no fault or authority by me debited my account many many many times.. 
I notified both of these merchants of my identity theft reports and police report case numbers in regards to this matter and they refuse to put these matters into arbitration or supply me my funds back and this has been going on since XXXX so. XXXX I need federal investigation done regarding these matters immediately and any time loss pain and suffering and other damages that can be awarded to me for this blatant disregard for my rights and the regulations set forth in the different laws and acts for these specific circumstances.. I ask for max penalty enforced unto chime for this stressful harmful and dangerous situation they have put me and my family in from this.. I am XXXX and I have rights as a citizen I only ask to have these rights protected and fully defended and the burden and cost be put onto this monstrous evil company