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

This is a complaint against Coinbase Inc. My account is under this same email alias that I am lodging this complaint. 

My account with Coinbase and Coinbase Pro ( one account on two different trading platforms ) has been operational since XXXX. I deposited some BTC coins at the end of XX/XX/XXXX. There was a platform service degradation where I couldn't trade ( sell/buy ). When this persisted for a few days, I decided to withdraw my BTC coins back into my hardware crypto wallet. I couldn't because the account was " locked ''. I found out that Coinbase wanted me to complete the KYC process. 

I then proceeded to upload following documents : 1. Articles of incorporation for my account ( as this is under a business entity ) 2. Banking statement showing the source of funding for this Coinbase account 3. W9 form 4. Personal government identification 5. Completed submission of the following roles - " Primary Control Person 1 '' and " Authorized Representative 1 ''.

Unfortunately, when I tried to submit details for " Authorized Applicant 1 '', the KYC program " hung ''. There's a bug.

Coinbase Customer Help has not been able to help, and keep creating new support cases that do not address how to complete the KYC. In attached email, you can see that Coinbase had made " .. some modification in the portal to allow you to see KYC application to update your information and documentation. ''
Product: Credit reporting

I disputed info on my Chex System report back on XXXX/XXXX/2015 that was fraudulent it was due to ID theft, I have never had a bank account and Chex Systems in violation of the FCRA has NOT responded! There 30 days is up they must now delete all of the information on my chex system report!
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Original CreditorXXXX XXXX XXXX XXXX XXXX XXXX Balance {$100.00} XXXX XXXX  XXXX  Original Creditor : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX Balance {$750.00} XXXX, XXXX & XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$7000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXI XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Debt collection

I've been a resident of XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX. I vacated my apartment in the end of XX/XX/XXXX and paid all my dues. During vacating, I ensured proper cleaning is done and all damage/cleaning charges are paid for. I did gave my email address and postal address to ensure to take care of any pending water bills as well. 

I haven't received any communication on mail or email, but suddenly I see some pending water bill due for my last month being directly reported to credit collection, without a single intimation to me. This caused my score to come down by XXXX points. This is unwarranted and I would have immediately paid, of If I had got a small intimation about this. Please take a look at my rental history with you, I always had paid my rent one month in advance and no single instance of late payment or due. But in this case, I've received no communication on pending payments, but yet directly got reported to collection. 

I'm still ready to pay the pending water bill of {$120.00}, but please ensure that this charge falls off my credit report. Ive spoken to both XXXX and XXXX over the past few days, but they say they can't help on this regard. Please take a look at my rental history and understand that this is a lack of communication from your team and I should not be paying a price for this. The credit agency is infact asking for {$320.00} ( a {$200.00} extra penalty ) which is completely unfair given the fact I'm not notified on the pending charge. 

Please look into this matter and help me out. I can make the pending payment without penalty and please ensure the debt collection comes off my report
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, XXXX  I was notified by XXXX of a new hard inquiry from XXXX, originating from Citibank. I contacted Citibank to learn about the origin of the request and they directed me to XXXX. I've contacted XXXX  to file a dispute, they completed and said the inquiry was factual. I did not apply for any lines of credit, this is fraud. I contacted XXXX after and they directed me to the FTC/CFPB to file a report and then said to file another dispute...
Product: Credit reporting or other personal consumer reports

I have noticed accounts on my credit report that I did not authorize, which may be the result of fraud or identity theft. Please remove these fraudulent entries.
Product: Debt collection

After having a XXXX XXXX I tried to be added to my mothers lease so that she can take care of me while I got better. They told me to turn in my application and once her rent was paid they can add me to the lease. This was during XXXX & she was getting rental assistance but the apartments were refusing to go pick up the check from the rental assistance office. So we found another apartment to move to, I never moved into that apartment or signed a lease or any documents.
Product: Vehicle loan or lease

Ally fraudulently claims that I missed a payment on my account when I did not. They reported to the credit bureau   XXXX   that I missed a payment and that my account was a charge-off. I have the letter written by  Ally stating that they were waiving the bogus {$820.00} in excess wear charge. I did not miss a payment nor is this a charge-off. They also stated in the remarks " Consumer disputes afte r resolution ''. List payment status as a collection/charge-off. Ally waived the fee and I did not contact them afterwards. On my   XXXX   report, they reported that my account was closed with NO missed payments. Payment status is listed as current. Stated in the remarks " Dispute resolved, customer disagrees ''. Ally continues to illegally damage my  credit score and may pot entially damage my ability to apply for a mortgage. What confuses me is that I check my credit report weekly and both  XXXX  and   XXXX   both had shown that they were closed with   XXXX   payments missed. Ally needs to investigated by the federal government. They will correct my credit report immediately, otherwise I will sue them.
Product: Debt collection

Todd, Bremer & Lawson ( TBL ), a debt collection agency in XXXX XXXX, South Carolina, is being neglectful of consumer 's rights, has used deceptive means for collection and is being completely dishonest. TBL initially deceptively contacted me via phone using various non-searchable/ verifiable phone numbers. I answered a incoming call from a local phone number, not expecting a company from a different state. Agent began the process of attempting to collect an alleged debt. I requested debt validation and further information. Company failed to provide validation and continued to report the debt to the major credit bureaus. After 30 days, I filed a civil suit against TBL for FDCPA & FCRA violations. Company then fraudulently reported to the credit bureaus that the debt was paid off. This company denies reporting or attempting to collect. This company has an expired license and therefore they are attempting to collect without a valid license to do so in the state of Michigan. TBL claims to be hired by, and collecting on behalf of XXXX University ( XXXX ) in which XXXX is also responsible for TBLs collection practices. TBL claims to have received a promissory note from XXXX, alleging to be an agreement to a Federal Perkins Loan. I do not recall ever applying for, accepting or signing anything related to a Perkins Loan. This alleged loan was taken out in XXXX and I have never received any information regarding this account until a debt collection agency contacted me in XXXX. The promissory note had inaccurate information typed into the spaces ( such as current address, references, employment, etc ) alleging it to be my response and personal information. The promissory note then appears to have a hand written alleged signature on the document. These companies are attempting to collect twice the amount of an alleged debt that is not mine, it appears they have falsified documents and refuse to provide proper validation. I have also received attempts to collect this same alleged debt from other companies however, when asked for validation the debt is quickly sold or transferred to a new agency for collections. I have attempted to contact the alleged lender for this debt and the company no longer exists. Even through means of litigation, TBL is not being cooperative in trying to resolve this matter, they do not want to be held liable for their actions and they are not following the rules and regulations regarding collection practices or consumer rights.
Product: Mortgage

I met with XXXX with Mortgage Relief in XXXX to assist me with a Loan Modification. He discussed with me about a possible loan violation and suggested to start the paperwork for a Forensic Loan Audit with XXXX in XXXX which cost me {$2900.00}. At this time, they asked me to forward any correspondence that I receive from Bank of America. I received a Letter from Bank of America dated XX/XX/XXXX to start a Loan Modification with a Trial Period Mortgage Payment of {$1100.00}. After I successfully made 9 or 10 monthly payments, I received a call from XXXX to come into the office, they had me sign a letter terminating their service with me. I then received a letter from Bank of America dated XXXX asking for additional documents, which was submitted. I called Bank of America after no response, which then I was informed by the Customer Service Rep that I did not qualify for a modification. So, I seek assistance from a Real Estate Agent to Short Sale my home. At this point I felt that I had been misinformed and service that I paid for was not rendered which resulted in losing my home.
Product: Credit card or prepaid card

My bill due date with America express was XX/XX/XXXX I paid it on XX/XX/XXXX the total amount due of {$110.00} on the new month of XXXX I paid {$400.00} on XX/XX/XXXX. American express did not count this towards my XXXX bill and now has charged me a {$38.00} stating my XXXX payment didnt count for XXXX. Requested reversal of late fe and was declined the agent wouldent identified them self all in screen shot of chat.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card account on my credit report is inaccurately reporting. It is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Ally repossessed my car XX/XX/XXXX. In order to retrieve my vehicle, I was told to pay {$11000.00}, to an account at XXXX. XXXX which I did on XX/XX/XXXX. I was given incorrect account information by XXXX, the representative. So basically my money is missing, Ally nor XXXX. XXXX will help resolve the issue and every one points the finger at one another. My bank XXXX has reacted out to both Ally and XXXX XXXX several times, sent the forms needed to place the funds in the correct account but they both are unresponsive. I sent several emails to corporate and finally XXXX called from Ally Financial. She assured me she would investigate, and keep in touch but I havent heard from her in over a week with at least an update. Ive left give messages this week for her. At this point, I feel like they stole the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX and I am contacting you with regard to an ongoing issue I have been having with TransUnion. That credit bureau is reporting inaccurate information ( 2 recent payments ) on my credit report. This inaccurate reporting and overall failure to update, has resulted in my having been denied a credit limit increase with one of my creditors recently. I also anticipate starting the home buying process in the near future and can not have this inaccurate reporting be an issue. 

In XX/XX/2020, I submitted a request to the U.S. Department of Education, requesting that my student loans be consolidated ( thus bringing them out of default status ). That application was ultimately approved. In XX/XX/2020, I received the enclosed notification from XXXX, one of the holders of two of my previously defaulted loans. In that letter, ECMC acknowledged having received the payment required to bring the two student loans out of default status. XXXX has also updated those two accounts with the credit bureaus to reflect closed/paid. 

While I do not dispute those accounts as having been in collections, I am again disputing the inaccuracy of the reporting. TransUnion is currently reporting that in XX/XX/2020, I missed a payment on each of the loans that they were holding ( for a total of 2 ). 

This is incorrect. Per XXXX, TransUnion is reporting a late payment within the past 6 months. I also have a premier subscription with XXXX  that provides 3 bureau monitoring. My TransUnion data under that monitoring service ALSO lists a recent missed payment. That missed payment is XXXX. There were no missed payments and even when the account was in a default status, I had been making monthly payments for over a year.I have disputed this via phone ( XX/XX/2020 ), as well as online, but the information has not been accurately updated. 

On XX/XX/XXXX, I sent a letter to TransUnion ( via certified mail ), asking that they make the necessary corrections and/or updates on their end. On XX/XX/2020, I contacted them via phone to request an update. I was informed that they do NOT see any recent missed payments on my credit report. I again explained the information that is listed on XXXX and XXXX. TransUnion instructed me to contact the credit monitoring providers. 

I contacted XXXX  Customer Care and they explained to me that they could only update Information as it is provided to them by the credit bureaus ( in this case, TransUnion ). I am stuck in the middle and can not seem to get this information corrected.
Product: Mortgage

Carrington Mortgage has not been applying payments from the Home Assistance Funds that I was awarded instead they are treating my account as a loan modification with a higher interest rate 5 %. they are reporting me to the credit bureau, and calling me constantly about being behind on my payments. The keep sending me letters about foreclosure and no one can give me a straight answer of where the government fuds are. They have not updated my escrow which is lower now that I have a lower insurance premium. They are charging me late fees and not applying the funds from the government correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this bankruptcy with each bureau which has used some type of excuse or explanation to go around removing this inaccurate information from my credit report, disregarding the fact that I documentation from the Bankruptcy Court stating they didnt verify this court record with any third party.

My letter of verification comes from the court directly listed.

Your information is coming from a third party and not the actual court listed. No re investigation is needed due to you fail to provide accurate information from the source listed in the last 30days. 


Also there is no way I can be a resident residing at XXXX XXXX in XXXX, Tn you stated as verified in XXXX XXXX and filing a bankruptcy in XXXX, Tn in XXXX XXXX .you must be a resident of the city. so your information is mismatched .my last 4 of ssn could be the same of a similar individual because you did not use my full social as you stated. 
Please stop stalling to remove this bankruptcy before attorney XXXX XXXX is notified to file a lawsuit against all credit bureaus and third parties for listing information the court states on letterhead they have not verified
Product: Debt collection

PROFESSIONAL DEBT ME ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PROFESSIONAL DEBT ME INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PROFESSIONAL DEBT ME or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND CREDIT MANAGEMEN Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$620.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$620.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$620.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I had a loan with XXXX XXXX in the amount of {$1200.00}, I consistently went in to the location on XXXX to make payments but realized that my payments were not being applied to the account. They couldn't explain why my payments were not being recorded which was beyond shady and suspicious. I told them I was not paying anything else until they provided my payment records. They called me in XXXX to offer me a settlement which was still scandalous, They said if I paid half of the original loan amount which was {$600.00} give or take ( which should have been my balance after the payments I made ) then we would be in good standing. I asked for it in writing and they refused to put in detail the promise that was made over the phone. They sold the debt to a creditor that literally told me they were waiting for me in the parking lot of my home to arrest me, they harassed and threatened me for years calling my phone from different numbers all hours of the day and night. I'm exhausted with this completely scandalous situation. They now have sold the debt to another creditor called Consumer Adjustment and they have destroyed my credit by reporting it to all 3 bureaus as a new collection in the amount of {$2100.00}. This is a 7 year old debt that is around {$600.00} and I'm seriously done with being harassed and bullied by these companies. I'm truly contemplating taking legal action against the original creditor for being scandalous and dishonest and every creditor that they sold it too. This is beyond ridiculous because I was paying my loan payments 7 years ago and now here they are claiming I owe {$2.00}, XXXX which is a complete lie
Product: Mortgage

I have been with SP Select Portfolio Morgaging company since XXXX. Effective XX/XX/XXXX Someone decided that i didnt have home insurance so Sp Select took out a Property Lenders Loan costing me XXXX monthly up until XX/XX/XXXX when i noticed the extra fee at which time i was told by SpSelect portfolio that if i had insurance i needed to provide my declaration Page showing proof before i could be reinbursed. I immediately did a three way calling with XXXX insurance and Sp Select Portfolio to verify this information. documents were emailed telephone verfication was made as well. XX/XX/XXXX come around i still haavent heard or received any refund amount totaling XXXX at which time i was told it was refunded back into my escrow account. but my escrow acct doesnt show an over payment in balance it shows that im negative for several months. my mortgage at that time was XXXX of which XXXX would come out for escrow acct. XXXXXXXX XXXX XXXX XXXXXXXX yr tax disbursements were XXXX yr ( XXXX ) my activity actually showed XXXX after XXXX was put back into my escrow but i want refunded. Can CFPB investigate to see why i havent received my refund in a form of check. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. ( Please see pages 60 and 61 attached. ) This account needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.