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

I opened an account for my trust on Coinbase on XX/XX/XXXX. I provided all the required documents, and the account was approved on XX/XX/XXXX. 

However, after XX/XX/XXXX, Coinbase restricted my account without notifying me, and I have been unable to make any transactions since. 

I contacted them twice via the chat feature on Coinbase.com, and they opened a case, but I never heard back. The second time I contacted them was on XX/XX/XXXX, and the case number is XXXX. 

A week after submitting the case, I reached out again, but they had no updates and could only tell me that I have to wait indefinitely, without providing a time frame. 

On XX/XX/XXXX, I called Coinbase. After some back and forth, I was told that I need to speak with the business department, but they have no contact information for that department and couldnt provide any way for me to reach them. 

In the chat, I received a similar response. 

The only option they gave me was to file a complaint online at Coinbase Help. I filled out the form with all the required information, but in order to submit the complaint, you must email a verification code. I emailed the code twice but was not able to get verified, so I couldn't even submit the complaint. 

Now, Ive been stuck for almost XXXX months, unable to access my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Product: Mortgage

I applied for a BOA mortgage and was approved in XXXX. The bank had several significant delays due to their own backlog that our loan did not close until the end of XXXX. The bank promised me a refund of my appraisal fee due to their delay. I never received the refund so I contacted the bank in XXXX. They assured me it would be paid. Its now XXXX and I have never received the refund. I've asked where the refund was sent ( if it was sent to a credit card as I don't have any indication on any card that it was refunded ). The people I worked with at the bank have ignored my emails and won't even respond. My loan number was XXXX under the name of XXXX XXXX XXXX. The amount owed is XXXX. The commit case was XXXX. XXXX XXXX confirmed that the payment would be processed on XX/XX/XXXX. I still haven't received the payment. I again contacted her twice and no response. I have also contacted XXXX XXXX and XXXX XXXX who have also not responded to my multiple emails asking for a status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Transunion, and XXXX are reporting inaccurately on XXXX XXXX XXXX  account XXXXAfter repossession of a car in or about XX/XX/XXXX, the account was charged off for {$5800.00} in XX/XX/XXXXThe car had an auction value to reduce the loan indebtedness, yet it is not depicted in the balance histories.The charge off indebtedness increases from {$5800.00} in XX/XX/XXXX to {$9000.00}, the following month in XX/XX/XXXX.After dispute with all 3 bureaus XXXX says on the report, {$7100.00} past due inXX/XX/XXXX.In XX/XX/XXXX, the reports of all 3 bureaus say {$9900.00} past due.The Fair Credit Reporting act entitles me and is required by law to be accurate, complete and clearly depicted on my credit report.All 3 bureaus are inaccurate and incomplete in the reporting of the XXXX   account and are required to correct or delete the reporting.That has not been done in any of the previous recent disputes with all 3 bureaus.
Product: Student loan

Navient has incorrectly set up autopay on my student loan account 2 times due to agent/ representative error. I spoke with an agent on XX/XX/XXXX who suggested that I set up the auto pay and make payment online to avoid any agent error. I made a payment and set up auto pay XX/XX/XXXX. After getting a credit report alert that my credit score dropped XXXX points due to a 90-day past due reporting from navient, I called the company asking how this happened when I set up autopsy 2 times in past and just made a payment online through their company website. I made this call on XXXX. I spoke with an agent who stated that the autopay payments were rejected by my bank, noting the account did not exist. I then explained that the last payment on the account was made with the same account which is an account my employer, XXXX deposits my checks in. A supervisor then spoke with me, apologized and asked for the account routing number and account number I gave for the auto pay. I told him what the account and routing numbers were 2 times when he finally told me that the agents who set up the auto pay mixed up the numbers in my account whiched caused the auto pay set up to fail and be rejected by my bank. Due to their agents mixing up my account numbers when setting up auto pay, and a faulty online payment system, my account still shows as past due, even though I have proof of payment made and accepted by the company XX/XX/XXXX and XX/XX/XXXX from my bank with the same account number, 3 failed auto pay set up due to agent error, and a credit score which has dropped XXXX points bringing me from the XXXX 's to the high XXXX 's a poor credit rating after being reported 90-days late due to their agents/company error.
Product: Credit reporting or other personal consumer reports

Due to the recent CFPB enforcement action filed against XXXX XXXX XXXX on XX/XX/XXXX, I insist that you, TRANSUNION Credit bureau conduct an investigation as you are required By the FCRA Law I will explicitly say, that i do not accept the findings of the furnishers or CRA 's Who do not provide thorough results of their investigation, I am requesting that you provide to me in exact detail, your method of Verification via XXXX mail and Not through your online portal. 
I am the victim of the XXXX XXXX data breach, which compromised my personal information, This CFPB complaint has Been filed to request pursuant to FCRA XXXX XXXXXXXX ( 15 U.S.C. XXXX XXXXXXXX ) that you, the TRANSUNION Credit reporting agency , block information appearing on my consumer credit report within XXXX business days of you receiving this complaint. This inaccurate unauthorized fraudulent account ( XXXX ) was previously disputed, blocked & deleted, then reinserted and is the Result of fraud and identity theft. 
XXXX. ) Identity Theft. 
( XXXX ) Account Number : no account # was reported.

Please perminately block, remove this inaccurate, fraudulent acct from my credit report. 
Failure to respond satisfactorily will result in legal action against your Agency.
Product: Debt collection

FBCS Senior Representative XXXX XXXX (? ) contacted me XXXX XXXX at which time I told him to send me the required letter and then i would decide what to do from there. The letter arrived on XXXX XXXX indicating the debt was bought by XXXX not XXXX as XXXX had told me. I then sent them a certified, return receipt debt validation letter which was received and signed for on XXXX XXXX. 
I received calls XXXX XXXX, XXXX, and XXXX, as well as XXXX. On XXXX I talked to XXXX again and told him about the debt validation letter. He was confused and had no idea what i was talking about, he had no knowledge of what a debt validation letter meant. He finally agreed to stop calling me until the debt was validated. To date it has n't been validated even though I was told it would be in too weeks. 
I would also like to point out the Pennsylvania is a XXXX party state for recording of conversations, and i was not told until half through the conversation with XXXX that we were being recorded, and at no time was I asked for permission to record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Due to Breach Dear Credit Bureau Representative, I am writing to formally dispute any and all negative accounts appearing on my credit report under the name XXXX XXXX or XXXX XXXX, with the date of birth XX/XX/year> and Social Security number XXXX. These accounts are inaccurate and must be removed immediately due to a breach of my personal information. 
Per the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), the following violations may apply : 11. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft o Any accounts resulting from fraudulent activity must be blocked from my credit report upon request.

12. FCRA 609 ( 15 U.S.C. 1681g ) Right to Obtain Information o I request all records related to the disputed accounts, including the original source of the data.

13. FCRA 611 ( 15 U.S.C. 1681i ) Procedure in Case of Disputed Accuracy o The bureau must investigate and correct or delete any unverifiable, inaccurate, or incomplete information.

14. FCRA 623 ( 15 U.S.C. 1681s-2 ) Responsibilities of Furnishers of Information o Any creditor reporting inaccurate data is in violation and must cease reporting unverifiable accounts.

15. FDCPA 807 ( 15 U.S.C. 1692e ) False or Misleading Representations o Any debt collector reporting fraudulent accounts is engaging in deceptive practices.

I demand that these negative accounts be removed immediately. If this dispute is not resolved within 30 days, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action. 
Please provide written confirmation of your findings. I expect full compliance with federal laws protecting my consumer rights. 
Sincerely, XXXX XXXX / XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting 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 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. In accordance with the Fair Credit Reporting Act, I hereby request that a thorough investigation be conducted to rectify and eliminate these items from my credit report. I understand that you are required to reevaluate these items by contacting the respective creditor. Any information that the creditor is unable to verify should be promptly removed. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days from the date of receiving this letter. Please send an updated copy of my credit report to the aforementioned address. According to the act, there should be no fee associated with this updated report. Additionally, I kindly ask that you notify anyone who has obtained my credit report in the past six months about the necessary corrections. 

XXXX XXXX XXXX XXXX should be XXXX. Delete it from my credit report. 
XXXX XXXX XXXX XXXX should be XXXX. Delete it from my credit report. 
XXXX XXXX XXXX Balanced should be XXXX. Delete it from my credit report. 
XXXX  XXXX XXXX XXXX should be XXXX. Delete it from my credit report. 
XXXX  XXXX XXXX XXXX should be XXXX. Delete it from my credit report. 
XXXX  XXXX XXXX XXXX should be XXXX. Delete it from my credit report. 
XXXX XXXX XXXX XXXX should be XXXX. Delete it from my credit report. 

Please send an updated copy of my credit report to the aforementioned address. According to the act, there should be no fee associated with this updated report. Additionally, I kindly ask that you notify anyone who has obtained my credit report in the past six months about the necessary corrections. 

Thank you for your attention and assistance in resolving this matter.
Product: Credit card or prepaid card

I had an account with Synchrony Bank for a Care Credit and a Discount Tire Car Care account. I reviewed my credit report on XX/XX/2022 and Synchrony closed my Care Credit and Discount Tire account, stating I filed a bankruptcy. I did not file a bankruptcy. When I contacted them to find out where they are getting this information from, I was hung up on. They did not give me any recourse to fix this error and this is damaging my credit worthiness. I have a relative in my same household who filed, but he has a completely different social security number, so I am unsure how they are confusing this with me. My SSN ends in XXXX ( XXXX XXXX XXXX ) and the relative who filed for bankruptcy and the bankruptcy paperwork shows the last 4 of the social as XXXX ( XXXX XXXX XXXX ). Two separate people. They need to fix this.
Product: Credit reporting or other personal consumer reports

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. 
This account is inaccurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

On XX/XX/XXXX I paid XXXX XXXX for 2 accounts in the amounts of {$100.00} and {$23.00} that was placed for collection with Transworld System. I contacted Transworld system on XX/XX/XXXX to verify that they have received information that the account was paid in full. XXXX stated that their system had not been updated but she would send a message to XXXX XXXX to verify the account. On XX/XX/XXXX I contacted TransWorld System again and they said they still have not received verification from XXXX XXXX. I then contacted XXXX XXXX and they said they have indeed updated them and would send the information to them again to remove the account. XXXX XXXX then sent me proof of payment. On XX/XX/XXXX I again contacted Transworld System because the account is still reporting unpaid in my credit report. They again say they have not received information from the client that the account has been paid. On XX/XX/XXXX I called XXXX XXXX and again they said they have sent them the information. The representative place me on hold and sent the information again for a third time. Transworld System has been reported inaccurate information to the credit reporting agencies for 3 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several attempts Ive tried to contact Experian to inform them of some inquiries on my credit report I do not recognize. Under the FCRA 604.15 inquiries are only to be pulled for insurance, employment, court order. For this reason, none the these inquiries fall under those circumstances. XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). These are not my inquiries and I did not authorized them.
Product: Money transfer, virtual currency, or money service

I opened a XXXX dollar Chase Total Checking account on XX/XX/2018 from XXXX XXXX XXXX. Somehow my account escalated to a XXXX dollar prepaid account. I figured this was interest I earned from including Chase in my XXXX dollar XXXX account. However this money was used to make unauthorized buys and sells on my XXXX app called Chase Total Checking XXXX which in my opinion lessened the values of my XXXX considerably. After all, I started off making a fortune. Chase 's wi-fi got into my XXXX and possibly altered its configuration. In my XXXX XXXX XXXX  app it said that Chase would hold daily 10s of thousands of dollars payoffs to be held for 9 days and then paid to my account ending in XXXX. These payments never happened. Chase of XXXX XXXX, Texas informed me that my account was blocked due to insufficient funds and sent my gold to XXXX XXXX XXXX XXXX XXXX, New Jersey. I have the tracking numbers and account numbers of all of these transactions if you need them. I also have a print out of coin amounts, Merchant and Coin ID numbers. These coins are very valuable to me and I want them back.