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

Hello, I'm sure you have dealt with this complaint before, so I'll simply say it's an issue with Coinbase 's " account under review '' issue.

To elaborate, I was requested by the centralized cryptocurrency exchange known as " Coinbase '', a publically traded company in the US to provide some simple information about myself in an effort to collect data about their users. I'm assuming this is a KYC request. The request was fairly simple and involved asking me what I made, how I was employed, and what I would be using the platform for. Despite the fact that this request was voluntary, Coinbase has kept my account " under review '' for a substantial amount of time. Their message says the review should take approximately 2 days, but it has since been just under one month. Had I not submitted to this voluntary review, I was able to continue using the platform unrestricted until XX/XX/XXXX. 

I have approximately $ XXXXUSD in the account ( depending on how the Crypto winds blow of course ) and that amount was added over a few months. I have created several " tickets '' with the company which were mostly all closed with no explanation on why things were taking so long. 

To be clear, if there's something that needs to be done that is reasonable, that's fine, but there has been no contact whatsoever on the company 's part, and from what I've read online, many people have had this issue for months/years (? ). For this reason, I can only assume that my money is deemed " stolen '' by the company, even if that is not truely the intent of the company. 

I can provide more information upon request, but the form requests that I do not provide personal information. I would request to have CFPB reach out to Coinbase to resolve the issue with the account associated with ticket XXXX. I am not seeking compensation beyond what I have given Coinbase, nor am I explicitly looking to never use this company again for financial services. I hope for a simple resolution to this confusing situation. 

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

I settled a loan with XXXX XXXX XXXX through XXXXXXXX XXXX XXXXXXXX. Account number XXXX. The agency agreed to remove the balance for one payment of {$6500.00} which was made in XX/XX/XXXX. XXXX left a balance of {$6500.00} on my credit files. I disputed this with the three bureaus and they left it on the file. This is a direct violation of the Fair Credit Reporting Act. A company may not reflect a status on an account with the bureaus that it knows to be inaccurate. 

There is no remaining balance owing on this loan as part of our settlement agreement.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> these companies pulled my credit report without my knowledge
Product: Credit card

I received an email from CHASE bank saying they received my Credit Card application and that it is being processed. I never applied for one. Then I received a call from XXXX. I didn't answer, but the message said he was from CHASE fruad department and needed to verify information. Thank I get an email from XXXX saying I had a credit file enquiry. I tried calling CHASE, but they won't talk to anyone until you put in a CC number or account number.
Product: Credit reporting or other personal consumer reports

Immediate Action Required Experian 's Continued Violation of FCRA and Debt Bondage Act I am filing this complaint against Experian for their blatant disregard of my rights as a XXXX  XXXX  survivor. Despite providing an attestation and a verified letter from an agency, Experian has refused to remove fraudulent accounts tied to my name. Experians inaction is not only negligent but a direct violation of federal laws.Specific Violations : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681c-2 : Experian is legally obligated to block information derived from identity theft upon receiving proper documentation. I have met all requirements, and their failure to act is a flagrant violation of this statute. 
15 U.S.C. 1681i : By refusing to investigate and correct inaccuracies within the required timeframe, Experian is in clear violation. Their inaction is unacceptable, and I will not stand for it. 
Debt Bondage Act Violation : Experian 's refusal to remove the accounts after being provided with substantial evidence is a violation under the XXXX  Victims Protection Act ( TVPA ). The law protects survivors from financial consequences stemming from their exploitation. Experian 's disregard for this law shows their indifference to federal regulations and to my rights as a survivor.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXX Balance Owed : {$19000.00}.
Product: Vehicle loan or lease

In XX/XX/XXXX I purchased a XXXX XXXX and Santander was the one who financed my loan. My balance on XX/XX/XXXX was {$22000.00}. Since then I have made approximately 30 payments of {$510.00} ; Some months even more. Every time I looked at my balance it seemed like it's never decreasing but staying the same or sometimes even getting higher. As of today XX/XX/XXXX Santander is still saying I owe {$17000.00} as the principal balance and {$18000.00} for the payoff amount for a XXXX XXXX that was purchased in XX/XX/XXXX. In XX/XX/XXXX I got  into a horrible accident and received a check for my diminished value. Since Santander is on the loan I called to ask if they could sign the check and send it back to me. I was told to send it in expedited and they would return and send it back. Instead, the cashed my check for {$4100.00} and put it all towards their interest. I had to call the 3rd party to put a stop payment on the check. I've reached out to Santander multiple times to see why my payments are not being applied correctly and also to question how my payments have been applied. I've received no resolution and have been treated poorly as a consumer. Some payments I make go straight to the interest and none to my principal. How is this ethical? I would like a resolution as soon as possible.
Product: Credit reporting or other personal consumer reports

My account with 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 60 days 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.

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 XXXX _____________________________________________________________________
Product: Credit card

APPLE CARD/GS BANK USA , you furnished alleged transaction on my XXXX, XXXX, XXXX that you identified as late.
Product: Checking or savings account

Do not use this bank. Capital One is a liar, and they are keeping the money I earned from my part-time job. They even sent a letter after I reported them, stating they would release my money XX/XX/year>2025. However, when I called them, they acted as if they never said thateven though one of their employees did! They are thieves, and how dare they think they can keep my payment from XXXX I worked hard for. They closed my account, accusing me because of the XXXX payments I received. They are evil, and I want my money back! It has been just sitting there for months!!!! They keep lying saying investigation had been closed but they are just playing games and would come back and say its still open! How can something so simple take months!! Evil wicked people
Product: Credit reporting, credit repair services, or other personal consumer reports

1681 ( b ) 2 state that these bureaus has to have my written permission to furnish a report.I have never agreed for these 3 bureaus to just take information about me and then tarnish my score. I will also like proof of them having my signature if they claim they have. Ive been harassed from multiple debt collectors on alleged debt that I the consumer have read over and said " I do not validate this debt '' which is technically just a allegation until I agree upon those debt.

i also do not own a credit card from any bank .No bank has issued me credit therefore im not a credit card holder
Product: Money transfer, virtual currency, or money service

in XX/XX/2021 PayPal closed my PayPal account which still had XXXX in the account. This was closed because a customer sent a payment via friends and family instead of goods and service by mistake, PayPal said this was against their policy and closed the account. They said they would have to hold funds for 180 days. I have gone to look and they have transferred the funds in the account to themselves. I have range them up to ask why and they said because of that policy violation. However, that money is mine and I did not authorise the transaction. Have full documents to prove it etc Transaction ID : XXXX Transaction details Print Correction XXXX XX/XX/2021 at XXXX BSTTransaction ID : XXXX Payment status : COMPLETED Gross amount XXXX GBP  We have no postal address on file Your payment Gross amount-XXXX GBP PayPal feeXXXX GBP Net amount-XXXX GBP  Contact information PayPal Funding details Funding Source : PayPal balance Funding Source : XXXX GBP  - PayPal Account Need help? Go to the Resolution Centre for help with this transaction, to settle a dispute or to open a claim. MemoXXXX GBP  ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( s ) ;.
Product: Student loan

I have sent documentation to XXXX XXXX XXXX XXXX three times to determine my income-based repayment plan. Each time I was given a different amount to pay. They have determined my income-based payments incorrectly each time. I have called several times, over five, and have spoken to supervisors. No one seems to get it. As I have explained, I am a XXXX. My pay rate changes daily and seasonally. Simply sending in my two week pay sub will not give you an accurate account of how much money I make. I do not receive pay checks, it all goes to taxes and then some. Great Lakes seems to think that they can take a number they see on my pay stub and multiply it by 52 weeks and that 's automatically my income for the year, which could n't be more wrong. I have also attached my tax information per the IRS website and still was given an outrageous amount to pay, although I am making basically the same amount I did the previous year. It was raised over {$45.00} dollars. I have been with Great Lakes for over five years and have never had a payment amount this high. I have tried several times to explain this to Great Lakes representatives and each time their solution has been to send in another pay stub. So it could be calculated wrong again? Never in my life have I experienced such ignorance with a loan lending company, and I hope to resolve this issue without taking further action.
Product: Mortgage

Nation star is refusing to investigate anything properly or verify anything because if they verified or actually did a proper investigation on remic with the security exchange commission on XXXX reperforming loan remic trust certificate series XXXX. So as shown by Nation star mortgage a official United States Security Exchange Commission document is invalid. Can anyone in Nation star mortgage actually read the documents and do research instead of copy and pasting documents? Can any one in nation star mortgage actually provide us with the actual correct documents we asked for and quit providing the same documents we provide to them right back to us? It is perfectly clear that nation star mortgage is on purpose refusing to actually investigate all documents provided by us and refusing to provide what we ask for sayin internal use only. Also you can reference control numbers but not look at what was provided for the control number and give us a automatic response without actually reading all information provided why? Also how can you hold a loan modification from XXXX in 2003 when it was all executed by XXXX XXXX XXXX after the took over XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2023 it came to my attention that my automatic payment had been canceled with the business. I immediately made a payment to bring my account current and was told by the business that there was an error and a representative canceled my automatic payment in XXXX. 

The business agreed o refund fees and interest but has reporting me to credit bureaus as delinquent and/or late. This distinction is improper and false.
Product: Debt collection

I received collections notices on a {$310.00} debt back in XXXX from a medical appointment made back in XXXX, this amount has since been paid. However it is still being reported on my credit. I attempted to dispute this derogatory mark back in early XXXX, now they're refusing to remove the mark because they " can not locate '' me.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

I received letter from Sequium Asset Solutions , LLC regarding an alleged debt to XXXX XXXX  dated XX/XX/XXXX. On or about XX/XX/XXXX I sent Sequium a Validity of Debt letter inquiring on said debt. I closed my account with XXXX XXXX in XX/XX/XXXXand paid {$100.00} on or aboutXX/XX/XXXX. I again received an invoice from XXXX XXXX - stating they didn't note my account was closed. I again paid {$100.00} on or about XX/XX/XXXX. After continued communication from XXXX XXXX  that my account was past due- I spoke with a representative on or abouXX/XX/XXXXwherein I received a credit on my account for {$100.00} and {$4.00}. A subsequent email was sent from XXXX XXXX  stating that my account was finally closed. I then get another invoice in XX/XX/XXXX stating my balance. I again called XXXX XXXX to advise them that my account had been closed since XXXX. No further communication came from XXXX XXXX  until this letter from Sequium in XX/XX/XXXX

As stated above, I sent a letter requesting validity of debt on or about XX/XX/XXXX. To date, as of XX/XX/XXXX, I still have not received a copy of the validity and it is now being reported to my credit bureau as a collections account. Sequium did not comply with the validity request pursuant to the FDCPA. I am requesting this be removed from my report as I was never provided validity.
Product: Debt collection

I have repeated confirmed verbally I am not the debtor in question. Faxes sent to my employer by collection agencies have been completed by my employer stating I am not debtor. However, each time a new debt collector purchases the file I am contacted at work and a fax is sent to a general fax number. I have asked each time that a notation is made in the file and that I am not contacted at work. The last phone contact was today ( XXXX/XXXX/2015 approximately XXXX central ) by West Asset Management Company. This is sensitive to me as I am employed in a financial institution in a XXXX position.
Product: Credit reporting or other personal consumer reports

ATTN : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Or XXXX XXXX XXXX XXXX, VA XXXX Re : XXXX XXXX XXXX Account # XXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the NY State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a late that I should not have. I took payment into the store and paid in person, there was an error on there end and I should not have a late reporting. I have tried multiple times to get this removed with them.
Product: Credit reporting or other personal consumer reports

Several accoint show charge off but still open and also i didnt receive a 1099 and 15 US Code 1681 ( e ) and 1681 ( i ) it should be removed.

I have collections that do not belong to me because original creditor sold my personal information without my permission under 15 US Code 1692 ( g ) and 1692 ( c ) it should be removed. Also i told collections people stop calling me and they still do. Also my information was stolen in the recent data breach. I have disputed my stuff and each credit agency did not do the necessary things to investigate.Also my personal information needs to be upated with one name, phone number, address, and workplace which is XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XXXX of 2023, someone was able to get {$1000.00} from my Zelle account.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

In response of an Ally Financial Bank letter that I recieve on the XX/XX/XXXX via NORMAL mail ( not 2 days mail or priority mail ). 
see attach documents. 

ALLY Financial Bank send me a letter dated on the XX/XX/XXXX with an advidavit form to be filled and to be notarise and stated that if I do not send this advidavit letter/form in 15 days from the date of the letter Ally Financial will report to the credit agencies that this account is legit, Well how the heck do Ally Financial think that in less of 5 day I will do all of this ( from XX/XX/XXXX to XX/XX/XXXX is already 10 days ) ... THIS IS THE KIND OF GAMES Ally Financial Bank is playing with me since day one of my first dispute. 

For more than 8+ months ( 240+ days ) I am disputing this account direct to Ally Financial and via the 3 credit reporting agencies, requesting any SIGNED contract between my person and Ally Financial and documents that proof that Ally Financial had the right or my autorization to sell all my Confidential Private information to Portfolio Recovery Assosition, as SSN, mail adress, Names, phone number, birthday date etc etc. 

WELL NOW IF IN 15 DAYS FROM THE DATE THAT ALLY FINANCIAL SEND ME THE ADVIDAVIT FORM/ LETTER REQUEST ( XX/XX/XXXX ) I DO NOT RECIEVE ALL THE REQUESTED DOCUMENTS THAT I AM REQUESTING SINCE 8 MONTHS AGO I WILL NOT HESITATE AND WILL FILE A LAWSUIT AGAINST ALLY FINANCIAL BANK IN MY MUNICIPAL OR LOCAL COURT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your Name Your Address Credit Bureau Name Credit Bureau Address Date RE : Last 4 of SSN : XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : SEE ATTACHED UPLOADED PHOTOS. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my SIGNATURE, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a private student loan with XXXX XXXX XXXX in XXXX. The account was past due in XXXX. This debt is not only outside the statute of limitations, it is 11 years since the first delinquency that preceded the charge off and so way outside the FCRA obsolescence period. XXXX XXXX XXXX keeps placing it with different agencies that keep updating the XXXX and XXXX dates keeping it on my files long past the obsolescence period.. 

I have disputed this with all three bureaus and they have left it on my files due to the date manipulations XXXX XXXX listing : XXXX XXXX XXXX. Account number XXXX