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

Ive been a member of Coinbase for quite a number of years. On XX/XX/year> they locked my account. I am able to log in but I can not sell or buy my assets. It is completely locked in the hands of Coinbase and they will not release it. 

The first email stated that I had a duplicate account. No problem, it was an old email called XXXX and was attached to a Coinbase account that I forgot I had. So I deleted it. They still locked my account by saying it's because I didn't reply back to the first email. Nonetheless, the account was closed because they requested it. 

I asked them to release my account and now suddenly the new issue is stating that Im accessing my account from XXXX when I'm located in XXXXXXXX XXXX. I told them I am behind a VPN to protect myself because I am paranoid about the internet and hackers. In the uploaded file, XXXX  XXXX, contains a ton of things Coinbase wanted from me in an email to prove that I am operating in XXXX. These things they were asking were so suspicious that I had to contact support to make sure this wasnt a scam email. I provided everything they needed. I am a XXXX Veteran of XXXX  years and I have been using my XXXX and left over savings to invest into Cryptocurrency and I have been doing this for years with them. 

After a couple of months providing that information to them, they said it wasn't enough. In XXXX  XXXX that was uploaded to you, they are now asking about my information on proof of receiving government XXXX and that they wanted documents to support this along with a bank statement showing me receiving this benefit. No Problem, I sent them OFFICIAL DOCUMENTS from my account on VA.gov from my history of serving my country for XXXX  years and from XXXX XXXX  showing them proof that I am receiving this benefit for the last XXXX  years! 

Now they sent me a XXXX email, uploaded to you guys as XXXX  XXXX, saying the documents I sent DOESNT MEET OUR REQUIREMENTS. In addition to it they now want a screenshot of my XXXX account because I mentioned it to them as it was a requirement. My Official bank statement and my VA letter of my XXXX wasnt enough but somehow a screenshot of my XXXX account is needed and valid?? 

Coinbase is harassing me for something that is nonexistent. I am a XXXX Veteran operating by the book and paying my taxes on crypto because I dont want any legal issues. I have been doing everything right just to make sure this never happens. What Coinbase is doing is very shady and it seems very very illegal. Ive never had any bank or any financial management firm ask these things nor PREVENT me from accessing my assets and money. I am under the impression Coinbase is committing Fraud by stealing my account and its assets under false pretenses. 

Please help me. Let me know if you guys need anything from me that will aid this complaint. I've also uploaded my XXXX Letter and Bank Statement. This is so upsetting for me as I am being treated unfairly through financial means.

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

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed some inaccurate account reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello federal agency. The creditors clearly made a mistake. I have several accounts and inquiries that are not mines. Can I please have help? How can a XXXX  cardbXXXX be on my credit? How? XXXX XXXX XXXX???? without out me noticing it. Please I need this off my credit including XXXX   XXXX, XXXX  and XXXX  inquiries. Please Im sorry but Im stressed.
Product: Student loan

I files for a XXXX XXXX bankruptcy in XXXX of XXXX and it was granted in XXXX XXXX XXXX. Navient was included on the bankruptcy and was sent the information from the bankruptcy court stating my bankruptcy was granted. Navient however did not discharge the private loan and continued collecting on it. From XX/XX/XXXX thru XXXX of XXXX I paid approximately {$1300.00} in payments to Navient. Had they discharged the loan when they received the information letter from the bankruptcy court I would not have paid this amount. I am requesting a refund of the monies paid to Navient from the time period stated. Since the bankruptcy my loan will be discharged thru Navient 's School misconduct discharge, however like I stated it should have been done back in XX/XX/XXXX when they received the letter from the bankruptcy court.
Product: Credit card or prepaid card

Starting over two years ago I have been getting credit offers to a person that does not live at my address. I have no idea who XXXX XXXX XXXX is but if he exists he has never lived here. 

By returning the mail to the post office most of the many companies have stopped sending offers. However Capital One has proven impossible to solve. I have called them 5 times now with promises the offers will stop and they have not. 

I have also submitted a complaint to the XXXX and they responded and said they would stop delivering the unwanted bogus mail. Of course that was useless as well. 

I would love to opt out of credit offers but that requires a social security number which of course I do not have. 

I have no idea why Capital One would want to waste $ $ $ sending offers endlessly to a non existent person that has not responded. In a delightful twist I was denied a Capital One credit card because they could not validate my identity. I have an XXXX credit score.

I guess they only want to deal with fake people and pre-approve them no less. 

My guess is that there is a XXXX XXXX XXXX and they live in XXXX XXXX, Georgia and not XXXX, Georgia. My address is " corrected '' by the XXXX heavily and an inadvertent correction may have started this unsolvable mess. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Credit card

I had a business credit card with Bank of America since XXXX Every month my closing statement date is on XXXX day of the month. The problem is that the payment due date is different every month. For example, payment due dates for the last 6 months were : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. 
This results of late fee and interest rate charges despite the fact I always pay my credit card in full. When I called to ask for explanation, bank couldn't provide me with rational one, but " but you agreed of this when you open card with us. '' I was told that this is a cycle, which of course make sense regarding the statements closing, on XXXX every month, but the due dates " cycles '' vary from 28 to 32 days, which don't make them " cycles ''. There is no sequence, which cost me money. Instead of explanation I was told that I don't read my bank statements. I was forced to closed my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, made phone call to company to resolve issue XX/XX/22 phone call to resolve and explain the situation XX/XX/22 sent written request and explanation Never received notice that there was ever a balance. Company saying that I never switched out of my name. But billed the landlord the bill. False address reported on my credit report- the address belongs to landlord. I personally, was never notified of a bill balance until it hit my report. False communication reported and false information. I have notified company multiple times and refuse to fix it.
Product: Checking or savings account

Capital One kept the interest rates on the 360 Savings account low even as they were rising across the country. In the process, Capital One avoided paying more than {$2.00} XXXX in additional interest to millions of customers because of these actions. While marketing the 360 Savings account as offering attractive rates, Capital One simultaneously launched a similarly named product that was promising significantly higher rates. Around the same time, Capital One created a virtually identical product, 360 Performance Savings, that differed from 360 Savings only in that it paid out substantially more in interestat one point more than 14 times the 360 Savings rate. Capital One did not specifically notify 360 Savings account holders about the new product, and instead worked to keep them in the dark about these better-paying accounts.

Capital One deliberately took steps to prevent 360 Savings account holders from finding out about the 360 Performance Savings account.
Product: Credit card

I had a Bank of America ( " BOA '' ) credit card. I opened the account in XX/XX/year>. It was brought to my attention that BOA unilaterally closed my account. BOA did not make any attempts to resolve any problems with me beforehand. I never had a 30 day late payment. I have always paid on time as agreed. I never added any authorized users. This is not a joint account. My account is not associated with fraud. I never did anything illegal with my credit card ( e.g. ; online gambling ), | never submitted a Reg E claim, I never left the country or my state. I never let anyone use my credit card, I never reported my card lost or stolen. I used the card as intended and paid as agreed. There is no reason for my account to be closed. Because BOA closed my credit card account due to no fault of my own, it negatively impacted my credit score by increasing my credit utilization ratio. I seek to hold Bank of America accountable.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a letter to XXXX XXXX stating that I wanted to discharge the debt on due to lack of full disclosure and financial hardship. I also requested a copy of the terms of the loan agreement including any clauses that may be in violation of consumer protection regulations which they have not provided yet. I do know by law that the have 30 days to respond so I'm expecting a response from them in the next week or so. the problem is I assumed that all of the alleged monthly payments would be deferred and would not be subject to any late fees or violations until the matter was resolved. There has been a late payment for this account reported to the credit bureaus and has negatively impacted my credit score. I believe this does not show an accurate depiction of my credit worthiness.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

A wire transfer was made from my phone through a scam call on XX/XX/XXXX. The amount was {$10000.00}. I immediately called the bank and told them not to let this wire transfer go through and I went down to the bank branch to also report this and other fraud that was done on my account. 
They gave me reference numbers from my claim and I told him to put a hold on my account for days later more fraud was done to my account so they did not put a hold on it and also acted like they did not know much about the {$10000.00} that was gone. I am still getting the runaround from the bank. They finally sent me a letter telling me they were unable to retrieve my funds and that the case was closed. I dont understand how I can not be protected from my financial institution. I thought they were supposed to protect me with the consumer protection act for up to {$250000.00}. I would like to take my money out of this bank, but there are still disputes going on from mid XXXX at this point I just dont know what to do.
Product: Credit reporting or other personal consumer reports

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XX/XX/XXXX AND I WON'T ALOW IT.
Product: Credit reporting or other personal consumer reports

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

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I applied for an auto loan at a car dealership. My credit report is showing their hard credit checks as five separate pulls when they should combine into one because they were made in a 14 day window.
Product: Credit reporting or other personal consumer reports

My wife took over payments and started to pay payment online, instead of pay by phone as she wanted to get everything electronic, Then I XXXX XXXX Started receiving phone calls that we were late on payments, which was impossible seen as we were doing everything online. Upon sitting down and taking XXXX of our time to call both of these companies who I have never been late with before, it was brought to our attention that their automated system can take 10-14 days to post payments because of their automated system. This should not have affected my credit as we had proof of the money leaving my account on the date required and they did not post it on time. Also we have been paying {$1000.00} additionally on each payment toward principle most months. They told us that they would clear this up and still to this date we have had no resolution.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate hard inquiries listed on my credit report. Upon reviewing my credit file, I discovered several hard inquiries that I did not authorize or initiate. These inquiries have negatively impacted my credit score and financial standing, and I request your assistance in rectifying this matter. 

Hard inquiries and the date reported on Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please include this address, I never lived there : XXXX XXXX XXXX, GA XXXX Hard inquiries and the date reported on XXXX : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Hard inquiries and the date reported on XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Despite my efforts to address this issue directly with the credit reporting agencies, the unauthorized hard inquiries remain on my credit report, causing ongoing distress and concern. I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure the accuracy of the information they report. 

Therefore, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to remove the unauthorized hard inquiries from my credit report. Additionally, I request that the offending parties be held accountable for any violations of consumer protection laws. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized hard inquiries, as well as any supporting documentation I have available. Please let me know if you require any further information to proceed with your investigation. 

I appreciate your prompt attention to this matter and look forward to a resolution that restores the accuracy and integrity of my credit report. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2017, XXXX XXXX charge late fees in connection to my mortgage in the amount of {$100.00}. I have paid my mortgage bills on time, and I wrote them twice about this matter, and they never responded to my letters or my phone calls. I have documentation of my payments shown in my bank account statements, and have the letters that I mailed them. I am requesting them to refund me back the {$100.00} because I was wrongly charged. I would also like them to remove any bad remarks they sent to the credit bureaus Thank you.
Product: Checking or savings account

Bank Of America Compliant XXXX XXXX Subject : Compliant Debit on my account of unknown charges. 


On XX/XX/XXXX XXXX XXXX I received a debit on my account in the amount of {$380.00} and {$120.00}. These transactions were entered by a person unknown to me. I called the customer service department to investigate the source and the reason for the transaction. This proved to be futile and a complete waste of time. I then went to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And spoke to XXXX XXXX, relationship manager. This person viewed my account to locate the source of the transaction and identify who was responsible. After much investigation, this too was pointless and was told that I would have to contact the customer service department for a response. At this point, I am completely disgusted by your poor service and the abuse of my account and money. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We are currently attempting to purchase a new home while the other is closing. We had a lender for the realtor company ( Private Mortage AdvisorsXXXX XXXX XXXX pull a soft inquiry for a prequalification letter we needed to present to the sellers. 

This company instead pulled a hard credit inquiry and screwed up our credit, which I have been trying to keep a clean record of since we started the selling process of our last home, so we can purchase a new one. 

The lender questioned details he did not need to know for the prequalification also, as well as attempt to talk the realtor into getting a conventional loan with his company instead of a VA loan. He pulled the hard inquiry and decreased our odds in finding a different lender on purpose, obviously we have a credit monitoring system in place that alerts us when hard inquiries are done. We haven't had one since XXXX of last year because we were getting ready to purchase a new home and sell ours. I am reporting him to the credit bureau, but this is a formal complaint and a violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was given a pre-approval letter stating exact dollar amount and that this had underwriting approval. several days before close I was told I do not qualify. then after my rate lock expired I was told they could fix it and they would close on the loan, however at a much higher rate and less amount financed. the mortgage originator than told me that I could close at the higher rate and lower amount financed and make payments to the previous owner on the side with out the mortgage company knowing about it.
Product: Mortgage

i have been falling behind on my mortage payment due to work related injury- since i have fully recovered i have made all payments on time since y injury 2 years ago, and now close to caught up and only a payment behind. Nationstar offered a modification ( this has been going on for quite sometime ) unable to do so because there is always missing documents that re required that i summit -and its always changing. for example first we needed bank statements and rental income documentation. i send copys of checks and bank statements to justify this, the first phone call from XXXX XXXX clearly indicated that was good enough, ( either/ or will work ) i didnt ' ask for the modification -now it changed again. i need to " circle '' where the rental income is as far as deposit. i already gave copy of check, they can verify this. Today i got a phone call from XXXX XXXX. XXXX XXXX XXXX now saying its not good enough. i have been constantely " harrassed '' by her phone calls and all the mailings i consistantly get in the mail. i receive at lease XXXX phone calls a month if not more - i am requesting to have the recorded phone conversations send to CFPB to listen to.
Product: Checking or savings account

Hi, On XX/XX/30, I deposited a check in to my checking account at Bank of America for {$13000.00}. A 7 day hold was placed on that deposit. I have had my account for over 10 years, and have significant deposit history. 

On XXXX, the issuing bank paid the check, and funds have been verified and released to Bank of America. 

On XXXX, I visited Bank of America. The rep and manager during that visit spoke with their customer service line and their deposit operations. Neither of those departments could state why the hold was in place besides company policy and that they were still reviewing the deposit. A copy of the cleared check from the issuing bank was provided, and they stated that even if the issuing bank verbally confirmed to them that the funds were good and cleared, that still would not release the deposit hold. 

I find it extremely disconcerting that Bank of America can prevent me from having access to my verified funds.
Product: Credit reporting or other personal consumer reports

Barclays initially committed to resolving the issue of credit reporting in 30 days, they then shifted to 60 days. It has now been over 60 days and the action they committed to is still not completed. I have asked for updates and status via email but received none.
Product: Credit reporting or other personal consumer reports

last month i took a look at my credit report and i found out that i had some accounts that where opened fraudulently. I contacted the bureaus and did exactly what they told me to do but they havent removed the accounts caused by fraud.