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

Hello there, This complaint is about Coinbase and my account 's inability to send or access the cryptocurrency I bought recently. 

I've had my Coinbase account for a while without any issues, probably around a year or more now. However, a week ago my account was randomly restricted and was unable to buy anything or send any of my existing money/crypto. This is extremely concerning for me as I have a lot of money on the platform that I wish to transfer to a different wallet for long-term storage, but I'm unable to do so now. 

At first, I was told the sending restriction was only for 2 months, until XX/XX/year>. I contacted Coinbase support on Friday, XX/XX/XXXX to try and get more information and see if I could get the restriction lifted, but all I got after their " manual review '' was an email saying that some services remain XXXX for me at this time and another email telling me about how to avoid scams and that they suspected I may have sent XXXX to a " fraudulent person or platform ''. I was not a victim of any scams and I've only sent XXXX to wallets that I own. And now the message in the app is just saying they've limited my ability to send crypto, without any date or time period that the restriction will end. 

I really need to be able to access my crypto and transfer it to a safe place. I've tried contacting them via their support numerous times but I'm often left on hold for hours, I was only able to get through to an agent 2 times after days of trying. It's very frustrating having so much XXXX stuck in my account, I would like to transfer it as soon as possible or at least know I will be able to eventually. The company hasn't been transparent about this at all and before I contacted support there was no email or indication in the app about what happened, only the message saying I was restricted when trying to send. 

I can provide any other details or information you may need about this. I don't care about buying more XXXX, I just want to be able to send the XXXX I own. Thanks a lot in advance for your help with this, I appreciate it.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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

Reason of request : The below inquiries are fraudulent and NOT authorized by me. I called and spoke to XXXX and they informed me they will not send me a letter stating this inquiry was not authorized. They also informed me that it is Transunions responsibility to contact them before they can even speak to me about it. Regardless, the below inquiry from XXXX is fraudulent, and the below name and address of the inquiry is NOT me nor my address. Please remove these from my credit report. 
Reporting agency : Transunion Hard Inquiries Paypal via XXXX on XX/XX/2023 Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Inquiry Analysis was submitted by someone using my name but a different address than mine and one that I have never lived at.
Product: Credit reporting or other personal consumer reports

SO, I RECENTLY GOT CORRESPONDENCE FROM TRANSUNION STATING THEY REMOVED THE COLLECTIONS OFF OF MY CONSUMER REPORT WHICH I AM SEEKING REMEDY FOR. THEY ALSO RESPONDED BACK SAYING THAT THEY FOUND OUT THAT THE XXXX XXXX  INQUIRY WAS MINE. I NEVER STATED THAT THE XXXX XXXX INQUIRY WASN'T MINE, BUT THAT I DIDN'T GIVE WRITTEN CONSENT FOR IT TO BE ON MY CONSUMER REPORT. I DO NOT WANT REMEDY FOR THE XXXX XXXX DELETION, BUT I DO WANT IT REMOVED AS IT IS MY RIGHT AND UNDER THE LAW NO EXPERIENCES BETWEEN THE CONSUMER PURSUANT TO 5 USC 1681a ( 2 ) ( A ) ( i ) EXCLUSIONS from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- except as provided in paragraph ( 3 ) the term " consumer report '' does NOT include - ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; PLEASE HAVE THEM FIX THIS PROMPTLY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights.

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.
Product: Credit card

This complaint is to report a violation of the Equal Credit Opportunity Act against US Bank.The facts are below : On XX/XX/year>, an application was submitted for a US Bank Certificate of Deposit, ID XXXX through customer service representative.As part of the application process, the representative ask if I was in military service, of which I responded 'yes ' as a service member. 
On XX/XX/year>, an application was submitted for the US Bank Smartly Visa Signature Credit Card and Savings account ID XXXX via online portal.Once submitted, my credit report was pulled as part of the evaluation process to establish credit. 
On XX/XX/year>, I received a letter dated XX/XX/year> requesting documents to confirm my identity.These documents include government issued photo ID, 2 years of tax returns, SSN, and 2 months of personal checking statements. 
On XX/XX/year>, all relevant documents totaling 160 pages were faxed over the number listed in the letter including driver 's license and military credentials. 
On XX/XX/year>, I received two letters from US Bank dated XX/XX/year> and XXXX letter dated XX/XX/year> stated that the authentication department could not verify my identity, therefore denying the establishment of the Smarty Savings account.The letter dated XX/XX/year> stated that I, as the applicant have been denied an account due to " ... previous poor experience with the credit grantor ... ' On XXXX a series of phone calls were made to extract more detail regarding the 'previous poor experience ' but to no avail.Calls to underwriting were fruitless as I was directed to the authentication department as they were the department that denied my application.The only previous business relationship I had to US Bank is through a credit card with Fidelity investments via XXXX XXXX XXXXXXXXPer my credit report XXXX this account was closed at my request and was current with no late payments, delinquencies or any negative comments.When asked what my recourse is, if there was an appeal process to reverse the decision, I was told that future application submissions will be denied, thus discouraging me from applying. 
Despite being candidate with excellent credit, I was denied credit even though I qualify based on my XXXX score and a long established 20 year history of on-time payments.The only basis of these multiple application denials are rooted to my military service.US Bank requested to know if I was a service member and I provided my credentials only for them to levy a discriminatory ban for credit/banking account services in violation of XXXX.
Product: Debt collection

Hi XXXX, XXXX XXXX, attorney Rausch Sturm Israel ; XXXX SPOKE WITH XXXX XXXX XXXX EX : XXXX I just got off the phone with your representatives at XXXX and then got transferred to the attorney 's office of R.S.I and spoke with XXXX XXXX XXXX After validating the debt with both of them, she mentioned that my personal information is all incorrect, such as DOB and my last name. XXXX XXXX at the attorney 's office mentioned that you guys have my DOB as of XX/XX/XXXX, but my correct DOB is XX/XX/XXXX and my last name as XXXX, which my last name is XXXX. I've disputed this account in the best with every, and they failed over and over again to remove it from my credit report or even furnished all the required documents. Sending me bunch of pre-printed statements doesn't truly validate the accuracy of the account. XXXX XXXX mentioned that she will flag the account and remove it from my credit report effective soon. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit hs dropped 80 points due to status " Affected By A Natural Disaster '' ; this is incorrect. The CARES Act should not drop my credit score. On XX/XX/2020 I contacted my lender ( XXXX XXXX ) at XXXX am and spoke with XXXX who checked my status. She said there was no record of a status of " Affected By A Natural Disaster '' and suggested I contact and start a dispute with the credit agencies. By noon on XX/XX/2020 I started a dispute with Experian which showed under " Status '' the incorrect information on my school loans " Affected By Natural Disaster. '' On XX/XX/2020 Experian stated that my dispute was closed, the information had been updated per their inquiry to my lender and the status remained " Affected By Natural Disaster. '' I then uploaded a copy of an email from my lender stating that the company has been incorrectly identified as changing loan holders tatus, but they have not been the entity relaying this information to the credit agencies and the information they have states that all loans they hold have not been given a status change. By XX/XX/2020 Experian said the reopening of my dispute was complete and again the status was not changed. On XX/XX/2020 I again contacted my lender and confirmed that there was no special status on their records. I then called Exerpian XX/XX/2020 and spoke with XXXX XXXX to clarify where Experian was getting information from and to dispute the status. XXXX stated that Experian received their information from my lender and the only way to change the status was for her to send a direct email to the lender questioning the status. I asked her to proceed with this action. I feel as though I am being given the run around between the two entities. I also found XXXX is reporting the information on my report incorrectly. However, XXXX makes it incredibly difficult to get your free credit report, and when I went to start a dispute the page comes up with error readings with no further way to contact or send the appropriate information. I can't buy a house or refinance my student loans until this situation is resolved.
Product: Checking or savings account

My father died last year. He had two Certificates on Deposit at Capital One Bank. I sent the requested documentation multiple times, and the bank confirmed receipt of such. However, the beneficiary is still being denied the proceeds of her funds ( over $ XXXX ), and the bank is now requesting an additional notarized form from the XXXX beneficiary. The original instructions FROM THE BANK DO NOT INDICATE that the notarized instructions have to be sent from both the executor AND the beneficiary. Specifically : For most estates, you'll need - A copy of the death certificate ( sent multiple times via fax and email ) - For executors, a copy of the Court-official Letter of Administration or Letters of Testamentary, dated within the last 2 years ( sent ) - A copy of the Letter of Instruction for each executor and/or beneficiary ( sent from executor ). 

NOW, the bank is saying they require a notarized Letter of Instruction from BOTH the executor AND the beneficiary. PLEASE HELP THE BENEFICIARY obtain their due funds that Capital One is holding hostage. This is beyond ridiculous.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the mishandling of my account closure reporting by XXXX XXXX. On XX/XX/2024, at approximately XXXX hours, I made the decision to close my account with XXXX XXXX  and received a {$20.00} withdrawal from the account at the time of closure. Subsequently, in XX/XX/2024, I received a closeout statement that accurately reflected this transaction. 

However, to my dismay, in XXXX of XXXX, I received a letter backdated to XX/XX/2024, stating that my account was charged off and closed in the amount of {$20.00}. This erroneous information was also reported to XXXX XXXX  and early warning, which is a clear violation of the law. 

I want to emphasize that the account was closed voluntarily by me, and I have the receipts attached as evidence of the {$20.00} cash withdrawal received at the time of closure. The fact that XXXX XXXX  has reported this as a charge-off for {$20.00} is not only inaccurate but also damaging to my financial reputation. 

This misinformation constitutes defamation of character, inaccurate business dealings, and, at the very least, fraud. I am deeply concerned about the implications of this erroneous reporting, as it could have severe repercussions for my financial standing. 

I demand that XXXX XXXX  rectify this issue immediately. You must correct the erroneous reporting and remove any mention of a charge-off from my account. Failure to do so within five days of receiving this letter will result in legal action being taken against XXXX XXXX. 
Furthermore, I will explore all available legal avenues to seek justice, including but not limited to filing a class-action lawsuit on behalf of all customers affected by similar inaccuracies. 

Please be advised that I am fully committed to pursuing this matter until a satisfactory resolution is reached. I expect a written response confirming that the issue has been rectified within the stipulated timeframe. 

Thank you for your prompt attention to this matter. 

XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I did not receive merchandise, I called the merchant and they did not credit my account. I called Bank of America and was told to call the disputes line, I called that line, and told the person I did not receive the merchandise. 

On XX/XX/2020 I received a letter, dated XX/XX/2020 stating that I had to provide proof I returned the merchandise and I had ten days to comply. I sent my response immediately. 

On XX/XX/2020 I received a notice dated, XX/XX/2020 saying that I had a limited time to respond. I sent a copy of mine dated XX/XX/2020 On XX/XX/2020 I received a notice, dated XX/XX/2020 saying that I did not provide information in a timely manner. 

I responded with information in writing on the very day I received the notice. BOA did accurately report my information to the company
Product: Checking or savings account

SouthPoint FCU in XXXX XXXX XXXX repeatedly breaks XXXX  by allowing none owners of the account withdraw fund from the account as long as they say they have " permission ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing SELF/LEAD ACCOUNT for over a year. I have been disputing inaccurate information and telling the credit bureaus that the information is inaccurate and misleading. My credit score has dropped XXXX point since this account is mishandling my credit report. I have tried over a year or so to contact the company and resolve this issue. I have also sent this company emails which they never respond. Also this account has been in violation of re-aging, all XXXX credit bureaus are reporting different and inaccurate dates as date opened, date of last active, date of last activity, date of last reported, payment status and payment history.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

XXXX Report # XXXX ID # XXXX please see attached and publish this XXXX once again lyed SEE ATTACHED the documents attached this reporting does not meet the fair reporting act
Product: Checking or savings account

During the pandemic I was working at XXXX XXXX in XXXX SC I received in the mail a bank of America card for unemployment I told the people at my work wrote a handwritten letter sighed and dated it to send to unemployment thought it was taken care of but got layed off a lil over a year later and there was an account opened in my name bank of America sent the people another card with my name on it to a address that is not mine and I still haven't received unemployment which it's to late now I guess but still want to see what I can do bank of America shouldn't be able to open accounts for any reason without someone's knowledge.. and just a few months ago I received bank of America bank statements with all foreign names a a bunch of XXXX transactions on it the people would put like {$1800.00} through XXXX and then XXXX all the money to 3 or 4 different foreign names and I never opened that account either but they have my address somehow so I got like 2 statements and my unemployment card accidentally I guess
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX and Wilshire Consumer Credit XXXX These accounts are not mine. I am a victim of Identity Theft.
Product: Debt collection

I have an account with conns home plus and I try making my payments on time but my pay check dont all ways line up with the due date. I have informed them of this many of times but all that I am told is to sign up for auto which still would not help and could probably make my account go negative. I have call and have told them I will make a payment on a set day and to please dont call me. They will continue to call 4-6 times a day from multiple numbers. They will sent me text messages saying Good credit is important. Your account is 9 days past due. Please call Conn 's @ XXXX and pay {$130.00} or for assistance. 
I also will receive emails saying we are here to help or I can help you with your account. Both of these statements dont live up. I even have had trouble making a arrangement on my payment. I would say that I would be maybe 12 days late and thats when my next paycheck comes in, they have to get permission from a Supervisor to let the payment go though. At the time of XXXX they were running a promotion for 0 % Interest for 12 months. I put {$500.00} down on my account to open it on a XXXX computer and they said that I did get the interest free period even though the purchase amount as well above the minimum amount. I will not use this company once this account is paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to report fraudulent charges on my report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft and did not authorize nor make these charges. I am requesting these fraudulent accounts be removed from my report, and that I receive and accurate statement. Please correct this matter and remove these fraudulent charges as soon as possible.
Product: Debt collection

I contacted XXXX XXXX regarding the collection on my credit file. Due to an insurance cancellation and billing error, there was an unpaid bill showing as due that was inaccurate. In order to save time, I offered to pay the bill in full in the amount of {$310.00} if the inaccurate account was removed from my credit file. The payment cleared my account and was never removed as agreed. See attached letter and check.