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

I have been a coinbase client for multiple years with no issues at all. My account is fully verified with my ID and I already have my bank account/s linked to coinbase. I have done many deposits, withdrawals, and transaction on coinbase with no issues at all. 

On XX/XX/2022, almost 2 months ago, I received an email saying that my account is restricted and being reviewed and I cant use it at all. This was out of the blue. I havent used this account much at all, and around the time Coinbase froze my account I wasnt actively using it at all. 

I contacted Coinbase a couple days later through chat and I was told to re-upload my ID and update any information, which I did. I waited a couple weeks but nothing happened. I contacted coinbase again and I was told to do the same thing and wait. It has been almost 2 months now! I have asked for a reason for the freeze on the account and no reason if provided. I asked to close the account and get my money back and I was told that this is not possible. I believe there might be some discrimination against me in this situation as theres absolutely nothing that I can think of that would cause my account to be frozen, and have them take over 2 months to look into this! 

Im asking for a clarification from coinbase, I want my account to be unrestricted and I want to get my money back. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To many hard inquiries on all three reporting agencies not authorized
Product: Mortgage

My original dispute was not handled as promised by the Company " NationStar/Mr Cooper dba Rushmore Servicing ''. Original Complaint # XXXX was filed for XXXX reasons : XXXX. Account should have been marked as " Paid in Full '' XXXX. There should not be any delinquent payments because the Loan was Closed on XXXX XXXX. 
According to XXXX, they keep getting different misleading information from Rushmore. They have received information that Rushmore has Closed the Account, but the late day payment for XXXX still remains?! Several XXXX XXXX advised me that Rushmore did not remove the XXXX XX/XX/2024 payment, despite their letter stating that they will or have already done that. XXXX said that only Rushmore can fix this! My score is back down to XXXX because of this. I have a very important large purchase to make and I can't until my score is back to XXXX which reflects my financial responsibility. Please fix it ASAP!
Product: Credit reporting or other personal consumer reports

I HAVE CALLED AND THEY DO NOT UPDATE MY PERSONAL INFORMATION AND THESE ARE NON-MAILABLE ADDRESSES. 

MY ONLY ADDRESS IS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

None of these questions are mine, please delete them. 

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

I have purchased XXXX through XXXX mortgage company paid them off after the sell of my house and is still reflecting an open account which day refused to take off my credit report as a delinquent which they have already been paid off in full
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. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX
Product: Payday loan, title loan, or personal loan

I pay XXXX dollars a month only XXXX dollars is going towards The loan that is criminal to me italso seem that net credit takes advantage of people desperate. For financial help. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$18000.00}
Product: Payday loan, title loan, personal loan, or advance loan

On or about XX/XX/year>, I applied for and received a small additional loan of {$500.00} from Mariner Finance at their XXXX, FL office. I worked with 2 separate associates over the telephone to make arrangements to transfer the {$500.00} to my checking account. The first associate, who was a young XXXX XXXX, argued and interrupted me with me so much that I told him, " Dude, why are you fighting with me? ". He then said I was being disrespectful for calling him " Dude '' and said that he is withdrawing the loan. I then called back and spoke with another associate, and this time spoke with a young XXXX female, who basically started an argument this time and said that she is withdrawing the loan for me being rude, despite no foul language being said or bad behavior from me. I spoke with the regional manager, who simply said, " They are very experenced and we have never had problems like that before. '' and assigned my loan to another office. I said that this is probably some kind of violation, since people who are basically clerks can't instigate fights with people and then withdraw their loans. There was no corrective action that I know of other than going through a different branch with different people. 

This was just an abuse of power and an abusive experience. I also had a similiar experience with my first loan, so this is a chronic problem with this office and company.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX In accordance with The Fair Credit ReportingAct, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

On XX/XX/XXXX I reported account fraud with XXXX XXXX XXXX. 

This is a second fraud attempt to open an account with Wells Fargo on XX/XX/XXXX. 

They used my Social security number and XXXX  Drivers License Police report filed Credit reports all locked
Product: Credit reporting, credit repair services, or other personal consumer reports

Chime bank I added funds to my credit builder account on the morning on XX/XX/21 while at home on XXXX XXXX XXXX. 16 minutes later, {$190.00} dollars was withdrawn from XXXX XXXX XXXX on XX/XX/21. Ive never been to that store before. This transaction caused my Credit Builder account to become overdrawn.

I called the bank to report fraud, they told me to wait until the funds settled. The funds settled on XX/XX/21. I emailed a claims/dispute form to Chime on XX/XX/21. My claim was denied and by I closed my account on XX/XX/21. On XX/XX/21 I received an email from Chime reversing a decision and rewarding me {$100.00}, half of the money stolen from me. The overdue amount remained. On XX/XX/21 I sent two emails proving that I was at my home during the time of the transactions and my claim was still denied. The old account is still overdrawn, I have not received any of my stolen funds and Chime bank threatens to report the overdrawn account to all three credit bureaus. It is a banks responsibility to provide security for their customers but I was left vulnerable and they did nothing to correct the issues. Chime is an untrustworthy company and is in need of major improvements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit sfter being denied credit, i initiated the dispute process with all three credit bureaus. This included accounts that are not mine and obvious identity theft. It also included addresses i never lived at and utilities for those addresses. I notified them that it was fraud and or identity theft. This was not taken seriously. In fact thry used the XXXX system to judt let the so called creditirs ( collection agencies ) verify with no real investigation as required by the FCRA. This is causing me irreprehable harm and thousands of dollars. Many of these so called collections never notified my in writing as required by law under the FDCPA. Likewise most of thesue have refused to provide verifucation and validation of these so called debts. Ones that responded to my dispute letters could not provide the contract or abrreement bearing my signature nor piroof of account is owed by me. As such these should be barred but thry continue to allow them to hurt my credit ating and cause me financial harm and diress.
Product: Credit reporting

There is a collection account on my credit report with XXXX balance from XXXX XXXX XXXX as of XXXX/XXXX/13.
Product: Vehicle loan or lease

I was purchasing a truck from XXXX XXXX  XXXX XXXX XXXX. I spoke with XXXX XXXX on XX/XX/XXXX. It was a XXXX XXXX XXXX. I also purchased a extended warranty at that time, and got the gap insurance to.I put {$3000.00}. down on truck.Truck was financed through Mercedes-Benz financial. Extended warranty with XXXX. I have got all my paperwork. I ( XXXX XXXX ) was driving back home to XXXX, SC on the way I had lights going off on dashboard. I called and text XXXX about this, he said keep driving it because of truck sitting. ( i got my textes ) i kept going, got truck home and loaded it up getting ready to go to XXXX GA got a job with them owner operator.When i got ready to go on the XX/XX/XXXX truck would n't crank. Text XXXX, but i got a jump and went on to XXXX. On XX/XX/XXXX took truck to XXXX get a DOT inspection for XXXX XXXX. Truck did n't pass. Needed brakes.I got it fixed.I have not even pulled my first load at this time. Then on XX/XX/XXXX had problems with truck took truck to XXXX XXXX, XXXX machainic called Mercedes and was going to get approved to do work through insurance and they stated i did not have insurance. We all XXXX and myself was looking at paperwork and said i got prove of insurance and could fax it they said no. I had to pay out of pocket.XX/XX/XXXX back in shop again, called Mercedes they still say no insurance out of pocket again. XX/XX/XXXX had to get truck worked on again., had to pay out of pocket.XX/XX/XXXX-XX/XX/XXXX back in shop.XX/XX/XXXX in shop. XX/XX/XXXX in shop. XX/XX/XXXX back in shop,XX/XX/XXXX in shop. Each time i would call Mercedes about truck being in shop, I could not keep making payments and paying for truck in shop, Mercedes finanly said get truck out shop and i could catch up on payment. I did and the week i got truck out they said make payment are they was going to repossess truck, I tryed making half payment they would not accept it. They said bring truck and turn in. I took truck to XXXX NC and called Mercedes and told them where truck was. I talked to them, Mercedes said since i turn truck in it would not go against my credit but it did. I paid out over $ 11,000.on my truck, I paid for a warranty and was making my payments, I could not afford both. I lost my job because truck staying in shop all the time. I lost my truck and my job, and got a repossession on my Credit. How can i get this off my credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/23 I sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XXXX ) and ( XXXX ) XXXX XXXX XXXX Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your prompt action.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX  XXXX ****Account closed Account XXXX XXXX  XXXX XXXX ****Account closed This account is being reported inaccurately, please remove this from my credit report immediately. Sincerely, 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

I have been submitting the same complaints last three years to get XXXX bonus miles that Im supposed to receive. Every time I call the customer service and inquired they think Im talking crazy. They have no idea what Im talking about. Eventually, I received XXXX miles last two years after submitting a complaint CFPB and Im asking additional XXXX miles for this year. I paid {$450.00} membership fee last XXXX. And I was supposed to receive the XXXX bonus miles by last XXXX. In order to get XXXX bonus miles Im supposed to spend more than {$35000.00}. I spent well above {$35000.00} by last XXXX Name : XXXX XXXX XXXX
Product: Debt collection

I requested validation of this debt several times from both credit bureau and collection agency after seeing it on my credit report. it couldnt be validated by collection agency. i received a fake statement ( bill ) in the mail as validation. Not only do i know this isnt a account thats mine but based on this statement i received the dates of service doesnt reflect proper name or address at the time. i wasnt known by this new name or address until 6 months ago so how is a statement from XX/XX/XXXX-XX/XX/XXXX showing my new info???
Product: Checking or savings account

We use BofAs auto payment service to pay for our mortgage. Its been so for the past seven years. Last XXXX, I received an email from XXXX XXXX ( our mortgage company ) that they have not received our XXXX payment. I called BofA and the rep told me its possible that the check they mailed out was lost, so the person suggested that I put a stop to it and they will waive the stop payment fee since it wasnt my fault. I agreed and ever since then BofA has stopped all subsequent mortgage payment requests for XXXX XXXX. As the results weve been charged with NSF fees of {$25.00} three time ( three stop payments ) and one late charge of {$66.00}. To make situation worse, our credit score has gone down to a nearly perfect XXXX to XXXX because of the delinquency that was not caused by us but BofAs oversight. Ive called BofA multiple time and each time they would assure me that the account is clear and theres no stop payment and then I would get a notification from my mortgage company regarding a stop payment. The only letter I got from BofA was a good faith letter ( attached ) was was not sufficient to reverse my credit score. My last call with BofA was this Monday where Ive spent over two hours with them yet no one was able to tell me what triggered the subsequent stop payments and no one was willing to issue a letter admitting their error to help correct our credit score. This irresponsible behavior really needs to be corrected and our credit score needs to be adjusted and they need to reimburse any fee that weve been charged by our mortgage company. I have filed a case with BofA, hopefully that would provide some insight and the case # is XXXX.
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 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

Fraudulent inquiries on my credit reports XXXX XXXX Equifax
Product: Credit card or prepaid card

This is head up that US Bank Vertification informed that I need to give them an complete physical address which is XXXX XXXX XXXX, XXXX  XXXX, XXXX, NY XXXX I have right to choice my mailing address many business and including U.S. Bank uses po box to recieved they mail and I should also I should not be required to apply with another the United States Post Office is an physical address and the United States assigned Zip Code and Zoning in the United States and they treated me and Civilians as establish Immigrant in the United States XXXX Vertification Number select Option 1 Thank you for applying for a Secured Credit Card. 
We received your application on XX/XX/21. Your application ID is XXXX. 

Were in the process of reviewing your application and will notify you as soon as its complete. If you didnt authorize this request, please call us right away at XXXX ( XXXX ). 
Thank you for choosing U.S. Bank. 


Need assistance? 
Schedule an appointment with a banker at your local branch, visit XXXX online at usbank.com or call U.S. Bank XXXX Banking at XXXX ( XXXX ). 
Log in now >
Product: Credit reporting or other personal consumer reports

Hey my name is XXXX XXXX XXXX I have recently discovered unauthorized fraudulent ACCOUNTS and inquiries on MY EQUIFAX credit report THE ACCOUNTS ARE un accurate And By law Under, 15 U.S Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subsection any consumer reporting Agency By law is required to furnish this account Without proof of Written consent
Product: Debt collection

On XX/XX/year>, I entered into a consumer credit sale with XXXX, XXXX for the purchase of a XXXX XXXX XXXX. At some time after the sale, some third-party name XXXX began reporting itself as the creditor of the loan. After sending several correspondences to XXXX to determine their involvement in this credit sale, I have been left with no answers. XXXX has made claims it services the contract but is aloof in saying it is the servicer for Carvana, LLC ( the listed lien holder ) of the vehicle. Pursuant to the XXXX, I requested a full statement of account from Carvana, LLC who failed to respond, which constitutes a breach of the agreement, as well as a statutory violation. My research has shown that Carvana , LLC regularly sells its rights in retail installment contracts through a series of purchase agreements and those agreements get securitized in a Grantor Trust. Upon information and belief, consumer feels this is the case here and a series of transfers has happened, and Carvana, LLC and XXXX have been materially misrepresenting themselves as creditors and lien holders confusing the consumer, as well as preventing him for making informed decisions about his alleged obligation. Furthermore, the agreement is unfair and one sided with a finance charge almost as large as the amount financed.
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 in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 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: Checking or savings account

My mother passed away and left the account to myself, my brother, and sister. My brother and mysekf went to the bank on XX/XX/XXXX to close the account but leave it in the bank. I received a note fro the bank that the account had been closed. That is true but the money had been left in the bank to split up between all three of us. I received another account statement days latter stating that the money had been removed by my brother and place in his bank. He said nothing about this to me. The money was not for him but to be split up. The bank was notified and they told me to contact the branch. My brother stole XXXX belonging to meXX/XX/XXXX XXXX