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

I've had a hold put on my account for nearly a month now, and have not been able to buy, sell, or withdraw money from my account on Coinbase. Up until this most recent ID verification at coinbase.com/ssn, I have been able to easily verify my identity; and now that this latest verification is not working, my account is essentially frozen- no buys, sells, or withdrawals, even if I try to permanently delete my account. I've contacted customer support several times. I have about $350 worth of bitcoin that I would like to sell, and over $5k in my USD wallet that I need to withdraw.First (XX/XX/XXXX) and second (XX/XX/XXXX) times:They emailed me a pre-generated list of common reasons the SSN verification may not work. Most of these related to address technicalities, but one of them was this:"There may just not be enough information on record to sufficiently verify your identity at this time. This usually affects our younger customers more often. Unfortunately, there’s not much to be done in these cases but to continue trying the quiz, possibly with some variations of the information to be sure it’s not just an address issue."Since I've ensured that the information is exactly as it appears on the credit report, it appears that this is the reason why: that I am too young and do not have enough of a credit history to verify. Then why allow customers to deposit money into their account if for some it will just get frozen? Why wasn't the SSN verification required upfront?Third time (XX/XX/XXXX)After calling several times and trying to get past the (at least) 20 minute wait time, I was finally put on with a customer service rep who in fairness did try to be helpful. He linked me to two pages that he said usually resolve the issue. But in my case they did not. He said if I replied to his email in the case that the issue was not resolved, he would escalate it to a specialist. This was almost a week ago. I emailed and called again a few days later: no response to email, but over phone they said that once it's escalated to a specialist, there's nothing to do but wait. I suspect I will be waiting a long time.Tried calling back today (XX/XX/XXXX) to check on the situation, and a recording said they are receiving a high volume of calls and will not be able to help, and to try again later.It can't be legal to take customers money and freeze it after requiring a verification that is impossible for some customers. And then on top of that, they have an obviously inadequate customer service department and just hope that customers will be able to resolve questions with a stock FAQ reply. It's bad practice, and I know I'm not the only one suffering as a result of it.
Product: Credit reporting or other personal consumer reports

Despite numerous correspondences and efforts, it appears that the issues persist. As I have expressed repeatedly, the presence of late closed accounts and charge offs on my credit report is greatly impacting my financial standing and causing significant distress. It is imperative that we take immediate and decisive action to rectify these inaccuracies and restore the accuracy of my credit profile. 

I kindly request that you escalate this matter and exhaust all available avenues to address the late closed accounts and remove the charge offs from my credit report. 

I understand that resolving these matters may be challenging, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. The following accpounts should be remove as soon as posssible : 1. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
2. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

3. DEPTEDXXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

4. DEPTEDXXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

5. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

6. XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

7. XXXX XXXX XXXXXXXX  Balance Owed : {$0.00} - The payment history and status is inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

8. XXXX XXXX Balance Owed : {$200.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple accounts that are reporting on my consumer credit report that is not showing 100 % accuracy this is a violation of the FCRA and I will be seeking litigation for these in accuracies because Ive been fighting these in accuracies over 4 to 5 months also ive been making CFPB reports also contacted the XXXX  and still nothing is coming about my rights being violated
Product: Checking or savings account

account. 
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the companies and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CITI XXXX CITI XXXXXXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I opened a square account and used my prepaid debit card to make a payment to myself to deposit into my primary checking. Square decided to request for all my personal info, such as access to my bank accounts, license, business info and much more. They also suspended my account and said they will hold my money up to 90 days. I told them that I want to close my account and get my {$750.00} refunded to me, but they refused to refund me and they refused to close my account. The rep told me that they cant help me unless I submit all the documentation theyre requesting.
Product: Credit card

Wells Fargo Bank Threeweeks ago, my XXXX XXXX  account was hacked and the bank immediately locked my account. As a result, payment of my credit card was returned to Wells Fargo. I have since established a new account with XXXX XXXX  and attempted to pay my Wells Fargo credit card bill. Wells Fargo refused my payment. I have made four phone calls to Wells Fargo in an attempt to resolve this issue. They informed me that I must fax proof of my ability to pay in order to reinstate my account. I explained that I do not have access to fax. They continued to refuse my payment. In the meantime, they are charging me late fees. This is unethical and dishonest. This whole incident has been stressful and draining. I am XXXX XXXX and living on XXXX XXXX . Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX  XX/XX/XXXX
Product: Mortgage

I applied for a 30 year conventional loan with Filo Mortgage. I was approved after signing all the documents and giving them all what they demanded. 

As part of the application, I asked for and was given a rate lock form, which both ( loan officer ( XXXX ) and I both signed ). This is a XXXX XXXX XXXX  mortgage interest rate lock agreement form. I locked in the rate XXXX with the option to float down for free if the rates drop. This was essential to the whole process. We signed the rate lock form on XX/XX/2022 My closing date for the loan is on XX/XX/2022. On XX/XX/2022, XXXX  asked me to call him in the morning which I did. He told me he " forgot '' to lock in the interest rate even though we signed an agreement form to this effect. He felt bad about it and offered to send me a personal check each month for the difference in what the closing rate will be when compared to the XXXX that we locked in. 

I asked him to provide this in writing but he said he couldn't since this was a personal thing he was doing to make up for his mistake. At the same time, he told me I could pay for points to get to the XXXX. I then asked him to instead make that payment to get me to the XXXX since there's no guarantee he will continue to send that personal check after we close the loan. If he wins the lottery after we close the loan, leaves Filo Mortgage LLC and decides not to send me a check, there's nothing I can do about it. He also offered to enroll me in a Filo program which will pay for all fees for me to refinance when the rates go down. He called it Filo forever or so. 

The lender doesn't trust me when I applied for the loan. They had to get a credit report on me, plus reach out to my HR to verify my pay and a whole lot of checks. Yet, XXXX wanted me to believe he will send me a monthly check to cover the difference without any contract to this effect. It might be genuine but without legal backing, it's unenforceable. 

I've reached out the Loan processing officer ( XXXX XXXX, via email and a phone call ), to the CEO of Filo Mortgage via XXXX XXXX. I haven't heard back from them. 

I let my realtor know what is going on. Apparently the seller or my realtor had reached out to XXXX to make sure all was good to close on XX/XX/2022 to which he said it was. To get this sudden surprise on XX/XX/2022 wasn't good. It's almost as if the plan was never to honor the rate lock agreement. I stand to loose my earnest money and all if this process fails. 

I will appreciate it if CFPB can reach out to Filo Mortgage to right this wrong.
Product: Mortgage

I have been reaching out the the company since XX/XX/XXXX. I noticed I was being overcharged for my escrows. I emailed the company a copy of my tax bill to have my taxes updated and was told it would be completed within 2 weeks. 

On XX/XX/XXXX when I realized through my online account that the update was not done, I reached out again and again emailed the tax bill to the escrow department and was told over the phone it would be done in 5-10 business days. 

I do not have exact dates, but I continued to reach out about twice a month being told they received the tax bill I sent but the update was not completed. 

On XX/XX/XXXX, I spoke with a supervisor XXXX who was very disrespectful and condescending. She told me the taxes would be completed in 2 weeks ( XX/XX/XXXX ) and that I should trust her because shes a supervisor and if she says it will be done it will get done. 

I called today XX/XX/XXXX and spoke with another supervisor whos name I do not recall. He was respectful, but told me something entirely different. He told me my loan is automatically reviewed in XXXX. He could not tell me when in XXXX it would be done. If I had been told it would be automatically done in XXXX from the beginning then this would not be an issue. I have wasted hours across more than a dozen calls about this issue and I am still being over charged by more than {$200.00} per month for my escrow. I have no faith that my escrows will actually be updated at any point.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I contacted ( XXXX XXXX ) who sent me a Pre-Approved offer on a personal loan Up to {$50000.00}. I spoke to representative XXXX who said oh! Sorry your application Has just been rejected because of insufficient income. I said I just learned about you ( company ) this week, I received this offer. 
Where did you get my financial information from? XXXX said from Experience Credit Bureau I said I dont know where they would have got my financial info from. 
I told XXXX I just turned down a company Who I went through their process To receive {$50.00} K or more but their fees too high 10.9 % = {$5400.00} fee to ( XXXX XXXX XXXX XXXX ) XXXX replied we got your information XX/XX/XXXX. 
Experian provided a form filled out requesting {$7000.00}. I said I do not recall asking for loan Offers and I dont know how they would know my finances. She said ( XXXX XXXX ) also Has shown this same information on my soft pull credit report. 
XX/XX/XXXX at XXXX XXXX  I spoke To Experian representative XXXX ( no ID provided ) Who i retold same concern that I told XXXX. 
XXXX put me on hold To research issue. I said I want to know did I request through Experian website loan offers because I am on App/ Website I do not see how to ask for personal loan offers. 
Are the offers I have been getting an inside thing offered me by Experian credit? Yes, XXXX said. I want proof that I asked and filled out this offer from XXXX XXXX. He said I just deleted your offers you wont be bothered any more. I asked more questions and he did not give any answer, then his phone disconnected. 
I called back at XXXX XXXX  putting in my social number as prompted. I was trying for live operator but auto voice only offered me options Of doing credit Alert or credit Freeze. 
How Rude and suspicious to end a customer call this way. To think I pay Monthly for them to do extra to protect my credit. 
I worked hard to maintain excellent credit status. 
It should be expected that All Credit Bureaus do all they can to protect not just me but all clients information. 
My expressed approval should have been obtained from me to share my information with others. 
My Credit is often kept on locked status But that has not stopped un solicited offers. which there have been many occurrences That my credit file was accessed by other companies doing a soft pull while I had my credit locked.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX, I transferred XXXX euro to Coinbase. 
XXXX XXXX, XXXX, I received notification from Coinbase that they were rejecting the deposit and returning the funds to my bank within 2 business days. 
XXXX XXXX, email from Coinbase Support says it has located the transfer and that it has been returned to the originating bank. 
XXXX XXXX, XXXX : From Coinbase : " I can confirm this transfer has been properly documented. Our engineers and payments team are working to resolve. '' XXXX XXXX, XXXX : from Coinbase : " Our payments team processed a large batch of reversals over the last couple days. I can see your reversal has started, and will likely complete early this coming week. '' XXXX XXXX, XXXX : I send an email to Coinbase offering to alternative payments methods to get my funds back to me. I receive no response. 
XXXX XXXX, XXXX From Coinbase : " We have confirmed this to be an issue with our system and are working to resolve it as soon as possible. Your case has been recorded for review by an expert. '' I have sent roughly 50 emails in total since XXXX XXXX, XXXX in order to get the above four responses from Coinbase. Even though they acknowledge the error, I have yet to receive my funds back from them. 

I simply would like the immediate return of my XXXX euros as promised by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and They keep charging my almost {$60.00} INTEREST EVERY MONTH. Equifax is still showing this account as open and it should be showing paid/closed, This is all a direct violation of FCRA. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Product: Credit reporting or other personal consumer reports

Back in XXXX I had a issue with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There system updated to a new payment source locking me out of my account. I called and couldn't get threw because the said my phone number wasn't attached to my account. I have had the same phone number for 8 years. When they finnaly called me about a mis payment I explained the technical difficulties I was having. They told me no problem and reversed the late fees. We'll I noticed there was a late payment on my credit report. Called XXXX XXXX again they told me no problem dispute with credit bureau. I did that and got the notification that late payment was still there. I then called XXXX XXXX XXXX XXXX XXXX XXXX  ) they told me that is the credit bureau fault that it's not off. Called the credit bureau and there saying its XXXX XXXX I Spoke with the manager of XXXX XXXX and she assured me once again that it should be removed. Please someone help me, this is ruining my life and costing me a ton of money. This has caused my credit score to tank and is causing me more finical hardship. I have payed all my bills on time, with this only late fee in 8 years. XXXX XXXX told me on four occasion to do the dispute and it will be taking off with no issues. They told me they had numerous customers with same issue. I am only frustrated because XXXX XXXXhe Creditors is telling me it was removed and it's not. Thank you so much and I look forward to hearing back from you
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violate 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 reporting or other personal consumer reports

I am a VICTIM of Identity Theft. I submitted a FRAUD CLAIM to the credit bureau ( s ) to have the items removed from my credit. report. After confirming the fraudulent charges with he companies, after the accounts were verified and CLOSED, However, EXPERIAN still reports the account ( s ) as open which causes a major impact on my credit report and scores. I sent Experian, XXXX and XXXX a copy of the FCRA - 15 U.S. Code 1681 ( c ) ( 1 ) ( a ) ( b ) ( I ) ( XXXX ), to have ALL the reported items removed IMMEDIATELY.
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with MIDLAND CREDIT MANAGEMENT company I believe the original creditor XXXX XXXX XXXX XXXX XXXX  sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Credit reporting or other personal consumer reports

I would like capital one bank to remove the late payments off my credit report from dates of XX/XX/year> to current date. Due to me being on medical leave since XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Monterey Collection said the I bought an XXXX from them electronically, this is fraud and I have told company several times, they tried to get Money from my bank which was a fraud and my bank removed it because they knew it was a fraud, Now since I have been complaining money is add each time to the account from ( $ XXXX ), now I am making a complaint here. I want this off my report and they will lie and say someone else approved it who! NOT MINE. DID NOT APPROVE ELECTRONICALLY LIERS, AND I'M REPORTING TO POLICE DEPT. AS FRAUD. TRYING TO RUIN ME ON PURPOSE. MONTEREY COLLECTIONS I HAVE OFFICIALLY MADE A COMPLAINT AGAINST YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$230.00}, XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

ID THEFT REPORT ATTACHED AND MAILED OUT AS OF XX/XX/2022... ALL DATES/LOSTED ACCOUNTS ..... 
XXXX XXXX XXXX XXXX any and all ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX .Details attached...
Product: Checking or savings account

Inaccurate charges for ATM transactions and handling of funds