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

Copied over from complaint ID XXXX ; complaint still awaiting a satisfactory response : I recently noticed Coinbase added support for XXXX XXXX that are sent to Coinbase.com ( Exchange, non-custodial ) account wallets. In response, I tested sending XXXX XXXX XXXX ( XXXX  ) tokens to my Coinbase exchange XXXX address. This transaction was successful, with the " Coinbase 1 '' account moving the tokens and crediting them to my assets in the Coinbase exchange interface as expected ; giving me access to the value of these tokens. However, I'm concerned about previous XXXX  tokens sent to the same address. On XX/XX/XXXX, the " Coinbase 2 '' account removed these tokens, but they haven't been credited to my assets like the recent transaction. I asked Coinbase to please clarify whether these earlier tokens will eventually be credited? If not, I need to understand why this discrepancy occurred, especially as my XXXX address is non-custodial and my tokens are missing. Ill include a few of my account details and transaction signatures below : My Coinbase XXXX address to which the tokens were sent in both instances : XXXX ( link to XXXX XXXX XXXX ) Original XX/XX/XXXX deposit to Coinbase XXXX address : XXXX Subsequent Coinbase initiated transfer of tokens to Coinbase 2 account : XXXX Sum of what's missing/the value of the tokens Coinbase seized without permission : XXXX XXXX  tokens, or around {$790.00}. Coinbase support lacks the technical knowledge and attention to detail to be able to even start addressing my concerns, and there's little to no higher technical support or escalations that can address the funds stolen from my account by the exchange itself. The whole thing reads as them just taking my funds because they could and justifying it by claiming that their previous moving of my funds without permission was somehow a technical glitch when it is fully a conscious decision on their organization 's part as to how to move my cash. Thank you for your prompt attention to this matter and for looking into this complaint for me.
Product: Mortgage

I received an email that appeared to be from my real estate agent stating that HUD does not accept cashier 's checks for closing costs and that I needed to wire my funds of {$9000.00}. When I replied with a not so nice email complaining about the changes in the process I was emailed the wiring instructions that now appeared to be from my mortgage agent. 

The information given to wire the funds is as follows : Bank : Wells Fargo Account name : XXXX XXXX XXXX XXXX XXXX   Acct no : XXXX Routing : XXXX Bank address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Remembering the details of my " Wire Fraud Warning Notice '' I received from my mortgage agent I immediately called her to confirm she NEVER sent any such instructions. 
If this person is caught I am afraid they now have my new home address.
Product: Credit card

I dispute the charge amount {$170.00} cause it was not recognized and the company after several requestes removed it then added back in Charge XXXX amount XXXX date XXXX needs to be removed cause its not recognized I called several times regarding this issue I spoke last with rep XXXX dept of early prevention fraud who he was extremely sarcastic just like most reps in that company. He did not resolve the issue and he is aware of the issue.mcharge is on the acct ending in XXXX business account
Product: Credit card or prepaid card

On XX/XX/2023, I paid my Self credit card bill. On XX/XX/2023, my card was locked and I received an email stating During a routine review of your Self account we have determined that well need some further documentation from you in order to complete that review. Self required for me to send in a copy of my ID, social and bank statement in which I provided those things to them. On XX/XX/2023 I received another email stating After carefully reviewing your customer profile, we have decided to cancel your XXXX XXXX  Account with XXXXXXXX XXXX XXXXXXXX I called self over 6 times during this process. No one could provide me with additional information. On XX/XX/2023, I received an email stating my credit card account was closed and Any remaining security deposit funds will be returned to your XXXX XXXX Account if possible. If your XXXX XXXX Account is closed, or we are unable to move the fund to your XXXX XXXX Account, any remaining funds will be returned using the payout preference we have on file in approximately 14 calendar days. I called Self again to try to understand whats going on. No one can tell me anything or let me speak to a supervisor. On XX/XX/2023. I received a {$31.00} payment from the closure of my self builder account, however, I still have not received my {$520.00} payment from my credit card account. I was informed that they will release funds after their investigation in which I havent had any updates or information about.! Ive called over 10 times and have been left with the same response. On XX/XX/2023 I received an email stating Thank you for reaching out. Your payout status is still currently under review. While, we can not disclose timeframes of our internal review processes, you will receive email notification once any available funds are released upon conclusion of our review. Its been over a month and they wont release my money. This is a secured credit card. The account was opened using money that was provided by me.! Therefore, once the account closes, funds should have been returned to me.! Ive had this account for over 3 years.
Product: Consumer Loan

I purchased a vehicle back in 2007 from XXXX XXXX in XXXX SC and had the original term set for 6 years, this loan was made with XXXX XXXX. payments were XXXX. Made payments on time and a few months later I received a notice that Santander Consumer bought my account. Well from that point forward I thought that the payments that I made to XXXX would roll over however it seem as if my contract started all over again with XXXX. Every month I would receive a notice that I was making my payments late and receiving late fees but in all reality I was sending the payments in on time but they were not being applied to my account. About a year ago my contract with XXXX had matured and they offer to renew it for 24months bc we had late fees on the account. So we did and the payments went down to XXXX however we had paid almost XXXX for the truck and the original contract with XXXX was only XXXX We are being rob by XXXX and we need help to see what they are doing. Now they are telling me the contract ends next month but we still owe XXXX on the truck. Credit bureau is reporting behind and I make a payment every month but the billing statement is saying we are behind with late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my  XXXX   XXXX  Transunion Credit Report, I found   XXXX   XXXX   as creditor that says I opened on  XXXX   XXXX ,  XXXX  and was closed on  XXXX   XXXX ,  XXXX  with last reporting on  XXXX   XXXX ,  XXXX  with a credit limit of {$100.00}.     I never, ever had this account, but I am wondering why this should be included in my  Credit Record.      It further shows a contact details for Creditor :  XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX , OH  XXXX
Product: Debt collection

Radius global solutions is a debt collector I am being charged two accounts that are not mine I am a victim of identity theft. 

XXXX XXXX on XX/XX/XXXX for {$2400.00} reference number # XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX for {$610.00} reference number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

COMMONWEALTH FINANCIAL XXXX Balance {$1200.00} ; COMMONWEATH FINANCIAL XXXX Balance {$2200.00} ; COMNWLTH FIN XXXX Balance {$150.00}
Product: Credit reporting 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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file is listed on my credit report. XXXX XXXX XXXX Balance : {$290000.00}
Product: Debt collection

2 years after canceling an account with XXXX XXXX and not receiving any notice of an issue Mountain Run Solutions contacted me by text informing that they had purchased a debt and would report it in 16 days to credit. No other information was sent. I contacted XXXX and they had no knowledge of selling any debt to Mountain Run solutions and said that the company they used was Perfect Collections LLC. On the XXXX I attempted to contact XXXX XXXX XXXX as they had sent repeated text messages to me and made other attempts to contact during work hours. Mountain Run solutions then provided erroneous information about XXXX cancelation policy and ignored the provisions of cancelation in my contract. Mountain run solutions has ignored my dispute request and are still threatening to send an adverse report to the credit reporting agencies. During recorded conversation an agent stated they sent debt verification to my email address. I have not received this verification and the time they stated they sent verification was before my request for verification. In later email messages with the manager the manager stated the day after the agent stated that the verification had been sent that it had not been sent and that they would be sending it while again threatening to report on the XXXX but claiming they had 30 days to send the verification. The agent acknowledged that they did not know or have record of the Idaho consumers rights act. The agent confirmed they did not do due diligence to correctly obtain my mailing address.
Product: Credit reporting or other personal consumer reports

Statebridge was not the original creditor but acquired the loan from XXXX XXXX XXXX XXXX XXXX whom was shut down. The credit union was shut down abruptly due to their negligence and not following laws pertaining to loan qualifications and fraudulent transactions within their company. This affected many consumers as they were shut down without consumers having any notice. There was no way to pay on the loans and nobody informed consumers for the longest time as to what happened with the loans or where to make further payments. This put a hinder on my credit and as time went by with the XXXX XXXX XXXX XXXX being closed and not knowing where to make payments etc and the fraudulent activity made by the credit union had my account balance building up quickly and past due amount built up to where being so far behind was hard to catch up. State bridge acquired this account knowing the circumstances as it affected many people. They reported negative information on my credit report once they acquired the account. I feel that this was not fair to have these negative remarks due to unfortunate circumstances caused by the XXXX XXXX XXXX XXXX XXXX and their fraudulent behaviors. This has hindered me in moving forward financially from this situation. I should not be punished and I have reached out and made a claim against XXXX XXXX XXXX XXXX but now that state bridge inherited these accounts I need state bridge to make this situation right on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report numerous unverified inaccurate information on my credit report, which is against the federal law. I have repeatedly asked how and who is verifying these inaccuracies. To this date I have not received anything verifying these inaccuracies. I have spoken to various personnel and visited the county recorders office and the clerks there stated that they DO NOT verify or even communicate with credit bureaus. So there is NO way my dispute was ever handled the proper way. Experian obtains public record info from 3rd party companies such as   XXXX   XXXX   NOT from the actual courthouse. So this means when they " investigate '' and Experian says the furnisher of the information is the courthouse, that is a big fat lie. How can Experian say they looked at my current public record to verify a dispute when that info can only be ACCURATELY furnished by the county recorder ... that very same county recorder told me that they do n't provide that info to Experian. I also have numerous address and names and social security numbers attached to my Experian credit report that DO NOT belong to me. How can Experian have various social security numbers on my credit report and state that my report is accurate. That right there is ridiculous. I demand that these inaccuracies be deleted immediately or I will sue Experian for each violation. I am tired of going back and forth with Experian about this and I am prepared to sue them. I have attached drivers license to prove I was not living at these addresses Experian has attached to me along with the inaccurate information on my credit report
Product: Credit reporting or other personal consumer reports

I reported this inaccurate inconsistent incomplete account to both credit bureaus XXXX and XXXX  for identity theft and they are still reporting this account.navy federal credit union acount # XXXX charged off balance of {$510.00} opened XX/XX/XXXX and XXXX is reporting navy federal credit union acount # XXXX {$510.00} open date XXXX recieved an alert from. XXXX the account was reaged to open date of XXXX balance changed to {$500.00} I reached out to navy federal credit union and spoke to XXXX  on XX/XX/XXXX to ask them to please stop reporting this inaccurate inconsistent incomplete account to the credit bureaus and she hung up on me saying that this account wasn't the result of idenity theft and hung up on me.i filed a report with ftc in regards to me not knowing about this account and am attaching the report as proof.please stop violating my federally protected rights under 15u.s.c1681.delete account immediately.also I emailed the president this morning to help me.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX 



XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX  Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.

PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXXXXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX OF XXXX XXXX XXXX 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

As per their own correspondence, Capital One is unable to provide the requested proof, yet they continue to report late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and LCI Violated my rights to privacy. The law you are violating is clearly here. The civil liability law under which I will sue is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 



Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer, I have the right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Also, I already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently sent out disputes on XX/XX/XXXX and I have yet to receive a response from XXXX, XXXX, Transunion, or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 or other personal consumer reports

I reviewed my credit report and notice fraudulent account on my file. I would like that account to be deleted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a new collection on my credit report, however I never got any notice for this collection nor did I get my 30 day right to dispute letter. I had no idea this collection existed until it showed up on my credit report. They also have my information incorrect and I am settling it.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian continues to report an account ( XXXX XXXX XXXX XXXX ) on my consumer report, despite my prior dispute. Both XXXX and XXXX have deleted this account from my credit file, yet XXXX refuses to do so. I did not authorize, give permission, or provide written consent for this account to be reported on my consumer file. Experian 's continued reporting of this unauthorized account is a direct violation of my consumer rights under the Fair Credit Reporting Act, including 15 U.S.C. 1681b, which restricts the furnishing and use of consumer reports without proper authorization. Additionally, Experian is in violation of 15 U.S.C. 1681i for failing to conduct a reasonable reinvestigation after my dispute and 15 U.S.C. 1681e ( b ) for failing to maintain the maximum possible accuracy in my consumer report. Under 15 U.S.C. 1681n and 1681o, Experian is liable for both willful and negligent noncompliance with the FCRA, entitling me to statutory damages of up to {$1000.00} for non-willful violations. This inaccurate and unauthorized reporting is harming my creditworthiness and financial standing. I demand that Experian immediately delete this account from my consumer report and take corrective action to ensure compliance with federal law.
Product: Checking or savings account

Ive had a navy federal account for nearly 2 years. The majority of the money in this account comes from job which direct deposited into the navy federal account. I use the account everywhere, and for everything. My groceries, sending my kids money, buying gas, everyday activities. Sometime in XX/XX/year> I was trying to send money on XXXX and was told I couldnt. I then tried to withdraw the money and was told Im locked out of my account for fraud. I be gone to the bank numerous times and Im told to call the fraud department. I talk to the fraud department and they tell me I have to send in an appeal. They didnt tell me why the appeal was for and also didnt tell me why my appeal was denied. And was then told my account is closed. And I havent been able to get my money since.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is inaccurately reporting information on my consumer report. XXXX is showing a 90 day late payment in XX/XX/2023 however I was not late in XX/XX/2023 and XX/XX/2023. I contacted XXXX and they didnt correct this error.