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

I have submitted withdrawal request of $XXXX from Coinbase account to my verified Bank account on XX/XX/XXXX. As per email from Coinbase the amount should get deposited to my account by XX/XX/XXXX. But the funds are still not deposited as of today XX/XX/XXXX.My bank account has been verified by 2 small deposits by Coinbase. So there should not be any issue with the account information.I initially contacted Coinbase on XX/XX/XXXX but didn't get any response. After creating another support ticket, I got a response on XX/XX/XXXX that Conibase specialist is working on this issue. Later I contacted them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX by support ticket but didn't get any response till date. Their Customer Service number have extremely long wait time and states that withdrawal related issues are not supported by phone.I have included the withdrawal reference number and other documents for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

ENHANCED RECOVERY XXXX potentially negative icon Potentially Negative StatusCollection account. {$210.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$210.00} Date OpenedXXXX Detailsunder dispute icon Currently Under Dispute Revolving Accountsshow tooltip button XXXX XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$280.00} written off. {$280.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$280.00} Date OpenedXXXX Detailsunder dispute icon Currently Under Dispute Installment Loansshow XXXX  button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeEducation Balance- Date OpenedXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX buttonSelect as many as apply XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX APARTMENT COMPLEX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I opened a case with the federal trade commission regarding some vital accounts and information associated with my credit report that was inaccurate. XX/XX/XXXX i proceeded to reach out to all XXXX bureaus as well as directly to credit furnishers and all documentation was mailed out certified mail XX/XX/2021. Under the XXXX XXXX they were given XXXX days to update all associated information and it has yet to be done. My next steps will be to affiliate the courts and also seek out compensation for the damage they are causing to my daily life. I am unable to move forward due to the fraudulent information they have yet to update. I have both the police documentation and identity theft report number as well as XXXX certified mail tracking numbers ensuring they received these documents and still failed to update the account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, especially in light of the recent lawsuit by the CFPB that highlights significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have both failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was not feasible. The findings from the CFPB indicate that Zelle has neglected to protect consumers, allowing repeat offenders to exploit the system and leaving users vulnerable to scams. This unacceptable lack of accountability and transparency raises serious concerns about consumer safety.
Product: Debt collection

I was with XXXX  insurance from mid XX/XX/XXXX mid XXXX. I left after several arbitrary actions on their part and severe difficulty in communicating with them. 

1 ) Less then one month after signing up for coverage they sent me an excessively succinct email asking for additional information. After my reply was apparently inadequate, they didnt respond and without prior notification dropped my coverage to liability only.

2 ) When I realized the issue I made several impossible attempts to contact them thru the phone number they provided. The IVR phone system they had at no point allowed for redirect to an operator, or requesting a representative as other companies provide. I was forced to go into a random XXXX   office to get assistance. They connected to someone that could assist and it was not a pleasant experience, they they did agree to resolve the issue and restore my full coverage.

3 ) When my full coverage was restored the price was 50 % higher than my original quote. Mind you, this is less then 2 months of serve from them. My attempts to ask questions thru their online web form were often replied with overly succinct, off point answers. I never found out why they raised my coverage cost.

4 ) Deciding that continuing to use them as an insurance provider was too risky, I decided to leave in late XX/XX/XXXX. My last bill was on XX/XX/XXXX, and I was paying in advance. The only thing I have from them is an email that is ambiguous that you might receive a bill, or you may be owed a credit. My last day was XX/XX/XXXX. I had automatic bank draft. Set up. I had bill notifications texted to my phone. After this, there were no follow up letters, or phone calls, or voicemails or text messages that I am aware of regarding a bill. I would have expected them to make at least multiple attempts to contact me thru multiple channels. But that didnt happen. 

5 ) The bill went to the collector, according to my credit report, on XXXX XXXX, XXXX and was reported to the credit agencies on XXXX XXXX, XXXX. I have never received a voice mail, email, or letter from these people. 

I am familiar with collection agency processes as I paid off a {$4000.00} medical bill starting 4 years ago over a two year span to a collector for the hospital. From the beginning I received mail from them that was specifically designed to leave the recipient the clear intention that envelope has information regarding a bill from a collector, and I received voice mails from the collector whom I worked with briefly set up a plan. They never reported, and it was {$4000.00}. I appreciated that. 

I would be glad to pay off the {$71.00} if the derogatory remark was removed, or if that is not possible amended with the collector admitting they made no effort to contact me and the remark was made in their error. Im working on buying my first home within the next 2-3 years and want to cleanest score possible.
Product: Credit card or prepaid card

I don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to XXXX
Product: Credit reporting or other personal consumer reports

My credit card monitoring service alerted me that my information was found on the dark web. Immediately after, I had several fraudulent attempts to obtain credit and alternative lending in my name. As a result, I signed up for the Experian XXXX XXXX membership to monitor, lock, and protect my credit. On XX/XX/year>, I received an email from Experian saying that my profile information had recently been changed. At the same time, I received a separate email confirming that my membership had been cancelled. The email said to email XXXX if I did not initiate the change. I also tried logging into my account, but my password didn't work. I was able to sign in to the app with biometrics. I could see that the email address and phone number had been changed. I tried changing them back, but was unable to do so because it is set to 2-factor verify using the fraudulent email and phone. I emailed membership support and after several back and forths, I was told to fax a copy of my drivers license, a current utility bill, and a copy of my social security card to Experian Consumer Affairs at XXXX. The email stated that once the information was received, they would remove the membership account. On XX/XX/year>, I faxed the requested information along with the case number and a description of the issue. I did not get any confirmation that the information was received, and I am still able to log into the account on the app via biometrics so I can see that it has not been shut down. 

I have since emailed membership support asking for a status but all they can tell me is that the process takes up to 7 days, which we are well beyond, and it comes from their Consumer Affairs department and is out of membership support jurisdiction. I am also unable to reach them by phone as I am put through an automated prescreen that does not accept my information. 

I am concerned over the fact that my account has not been shut down, allowing the identity thieves to continue to have full access to my credit file, account information, and control over locking and unlocking my credit. Experian Consumer Affairs has been completely silent regarding my case. I am also concerned over how my Experian membership was able to be hacked into, the lack of any XXXX factor verifications that should have taken place to prevent this, and the fact that the very service I paid to protect me was compromised with no follow up support or assistance. I also continue to be billed for this membership despite getting an email that it was cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts show on my credit report, I do not owe money to these companies I'm asking for immediate deletion Delete the XXXX account ( # XXXX, opened XX/XX/XXXX ). 
Delete the NC FINANCIAL account ( # XXXX, opened XX/XX/XXXX ). 
Delete the XXXX account ( # CAxxxxxx, opened XX/XX/XXXX ). 
Delete the XXXX account ( # XXXX, opened XX/XX/XXXX ) v
Product: Credit reporting, credit repair services, or other personal consumer reports

please re-investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX  account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over all of the information requested, yet XXXX and Experian have refused my identity information, and taken their time in supplying information to my previous requests- plural. As stated on this site, an FTC report may be used in place of a police report, I provided the statement that was needed, proper identification and everything necessary, yet, they had still gone beyond the number of days the law states they must answer to not only validate a debt but for fraud. They are required by law to delete what was requested, and the willingness to do so is them also perpetrating fraud, which will be handle with each violation. This a violation to my natural rights and they are well aware. They are part of the protection process for the consumer, yet seem to have more vested interest in those providing the fraudulent information, which makes them no better.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have an account with Blockchain.com. I tried to transfer one XXXX ( cryptocurrency ) from my XXXX wallet to another wallet on XX/XX/2022 but the transaction is still pending as of today ( XX/XX/2022 ). I have reached out to their " support '' by email ( no other optional besides email ) multiple times and was told that my case has been forwarded to their internal department to handle. I was told that I was given a different support ticket # XXXX and the regular support team can not help me. They did not provide instruction of how to contact the internal team nor had anyone contacted me regarding ticket # XXXX. The price of one XXXX was about {$19000.00} when I initiated a transfer on XX/XX/2022 and the prices was {$16000.00} as of today. Please help! 

Thanks, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been charged off. However, I did not authorize this company to report this this information on my credit report. 
According to 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 an account without my written instructions.

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.

18 U.S. Code 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX  XXXX XXXX {$2400.00} XXXX XXXX XXXX   {$220.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX  {$560.00} XXXX XXXX XXXX {$2000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX amount nothing was addressed and this was open fraduently
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular law abiding consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single mother to a baby girl, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.
Product: Debt collection

I moved and transferred my XXXX cable service. I then discovered that they had charged me on my old account. I was told that it was all tranferred to the new account XXXX. I then received a call from a collection agency and just to avoid any more hassle I paid the collection agency. I have now been contacted 2 years later by another collection agency called Convergent Outsourcing Inc . They are claiming the same debt has not been paid. I have seen multiple complaints about this company and that they are basically trying to scam people for older debts.
Product: Credit reporting

I have disputed credit information for some time. I have now provided you with information on the mortgage company under complaint # XXXX credit bureaus are not conducting an investigation, even though I have provided them with documentation that the information they have is incorrect. 
I have challenged wrong accounts three times. 
They only wait for the company to respond and say the information on the account is correct, and do nothing more.
Product: Debt collection

The Professional Bureau of Collections of Maryland is abusive in their tactics of making sure I can never sign up for the debt forgiveness program. 

I believe they are blocking me from getting into the program currently available to rehablilitate my debt without having to make payments. This is a limited time program due to COVID and they are blocking me from being able to participate. 

I have completed all the documents according to what was requested, however, they refuse to submit these in good faith. They always come back and say I have to do something else or they lose my documents. 

This has been going on since XX/XX/2019. I call them every week and speak to different reps and managers and I am still not anywhere close to getting out of default. 

Please help me!!
Product: Debt collection

I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. 

It boggles my mind that your bureau continues to dismiss the validity of my identity theft claim, leaving me in a state of perpetual frustration. I came to you seeking assistance and justice, but instead, I've encountered red tape and inaction. 

I demand immediate attention to my identity theft disputes. The sluggish response and repeated denials have only added to my distress and frustration. My life has been significantly affected, and it's high time you recognize the gravity of the situation. 

I implore you to swiftly initiate a thorough investigation into these matters, remove the fraudulent accounts from my credit report, and help restore my financial standing. I'm not asking for special treatment ; I'm asking for what is rightfully mine as a victim of identity theft. 

XXXX XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

If my appeals for prompt action continue to fall on deaf ears, rest assured that I am prepared to take legal action to ensure justice prevails. I won't hesitate to involve an attorney to hold your bureau accountable for the repeated denials, the harm to my reputation, and the emotional turmoil this ordeal has inflicted upon me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to inform the CFPB and Experian that I am a victim of identity theft. I XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Experian is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so. pursuant to 15 USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. pursuant to 15 USC 1681b ( 2 ) a consumer any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. 
Fact, pursuant to 12 CFR 1022.3 ( i ) ( 1 ) ( ii ), identity theft report means a report that is a copy of an official, valid report filed by the consumer with a Federal, state, or local law enforcement agency. I am aware and have proof that I am a victim of identity theft. ( Exhibit A ) Experian is in violation of 15 USC 1681b ( 2 ). I never given Experian who is a credit reporting agency written instructions to furnish a consumer report on my behalf. congress mentions in 15 usc 1681 ( 2 ) and ( 3 ) that Experian is a CRA that assumed its roll as congress said they are and elaborate mechanism. Experian has no authority as must abide by federal laws and has assumed a role in containing my personal information without and using it without my consent.

I hereby demand Experian to provide me with the documents bearing my signature with the written instructions to furnish a consumer report on my behalf. I am a victim of identity theft and my personal identifying information was used by Experian without authority or consent, to commit fraud and furnish a consumer report on my behalf.
Product: Vehicle loan or lease

I have an auto loan with PNC Bank Pennsylvania ( headquarters ). My car note is due every XXXX of the month and I've never missed a payment nor been late. PNC has double standards of accepting payments. I've only personally made one in person checking account payment. The rest were paid by debit card. On XX/XX/2018. I initiated contact thinking this Saturday was in fact the XX/XX/2018 and found out that I was a day late. I have explained to PNC my confusion dilemma in getting the dates mixed up and attempted to make a payment as usual by debit/credit card. PNC declined. I'm making payment from a different card than what's on file and couldn't provide the account and routing # s while on the road and PNC declined to take my card payment as I attempted to make my card payment as I've always done since XX/XX/2018 when I traded in a XXXX  for the XXXX. I filed a complaint, was promised a call back from managers who never returned my calls, went through to escalation managers and they refused to take my card payment. I've made numerous card payments over the phone as I mentioned earlier since I acquired the loan in XX/XX/2018. In fact the only major form of payment I make is by card and somehow they refused to take my card payments while it dwindled on for the next couple of days while I work out my card payment solution. I want to get out of PNC but the loan they gave me according to other banking institutions were bogus and are refusing to buy me out PNC. I have called 8 times to PNC this XX/XX/2018 at XXXX, XXXX, XXXX,, XXXX, XXXX, XXXXand XXXX respectively and XXXX to make a card payment of $ XXXX.++ ; yet no manager called me back and was transferred from department to department in the attempt to resolve my card payment dilemma yet by the end of the day, my payment was not received because PNC refused to take my card payment.