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

I have a verified Coinbase Account, active since XXXX. On XX/XX/XXXX, I traveled to XXXX on a US Visa. After arriving in XXXX, I attempted to simply " open '' the Coinbase App. The App froze, showing a spinning loading icon with no dialog, warning, or indicator of any sort. Every other financial App of mine showed a warning dialog about " unable to open from the current location. '' After arriving back in the US, I tried to open the App and was given a message : " Our records indicate that you  have attempted to log in to your Coinbase account from a country in which Coinbase is prohibited by law from doing business ( XXXX ) per the sanctions imposed by the U.S. Treasury Departments Office of Foreign Assets Control or other governing bodies. As a result, your account has been restricted. 

If you are not a resident of a sanctioned country or otherwise have received this notification in error, please reply to this email with a copy of a current, government-issued ID and proof of your current address, such as a utility bill or rental agreement. '' That was on Wednesday, XX/XX/XXXX, after which I immediately completed the steps of the automated message for re-verification and submitted support tickets with the required information. There has been no response to Emails, the Support Ticket, and the phone support is constantly " at high volume '' and the call ends. 

I have tried for the last 7 days to contact for an update, however, there is no reply. The account is completely blocked from logging in and still shows the same message. 

Every other Financial institution had a very clear dialog that blocked access while in XXXX, and allow access upon returning. Coinbase is the only institution that blocks access without warning, then disables the account, and then does not have a timely or visible process to reenable access. 

Blocking a financial account for legal travel without warning and no path to resolve the account access is unacceptable. 

I have tried every other forum to get in touch with Coinbase, but my hands are tied behind my back and I have no other recourse except to file a formal complaint in order to get a response from their company.
Product: Debt collection

From XXXX XXXX XXXX to XX/XX/XXXX someone got into my Capital One credit card accounts. XXXX said they had copies of my identification. I talked to at least XXXX different higher ups. They would call me asking if I'm on the other line attempting to access my accounts. I had both my balances paid off and someone ran them up. They should have plenty notes about everything that happened during that time. Cap One decided to close both accounts causing my scores to drop drastically because they were accounts I had years with and they reporting false information. I do not owe that debt and they know it so why attempt to collect from me an hurt my credit when I'm the victim. They changed email address passwords and who knows what else. Oh... I got a cable box sent to my new address and didn't even have cable or internet through them. I got a new credit card company sent something to me and didn't even apply to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I JUST SEE THOSE INQUIRIES ON MY CREDIT REPORT AND ALL OF THEM WAS FRAUD AND SHALL DELETE FROM MY CREDIT REPORT. 

XXXX XXXX INQUIRY DATE : XXXX  WAS FRAUD AND SALL DELETE. 

XXXX XXXX XXXX DATE : XX/XX/ SHALL DELETE DUE TO FRAUD. 

DELETE ALL TYHOSE FRAUD INQUIRIES FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Automotive Credit Corp. is falsely reporting I owe them. the truck that was on the loan was totaled XXXXXXXX XXXX Paid their portion And Gap paid theirs. 
A.C.C falsely reported on my credit and owed amount and I disputed it and was found correct. Not days after they added another owed amount like I missed a payment in XXXX It seems their deliberately messing up my credit. They charged off a dollar amount then added a new amount as if I owed and missed a payment. 

They have the power to destroy Peoples credit and their doing it to me. 

I co signed for that loan for a friend because they had bad credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting 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 any item 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 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 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  ; 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

XXXXt XX/XX/2006 XXXX $ XXXX  XX/XX/2006 XXXX  $ School closed down, paid in full, still being reported as open.
Product: Credit card or prepaid card

There was an Amex Gold Card offer for XXXX membership rewards points after XXXX dollar spent. I applied it on XX/XX/XXXX, got approved on the XXXX. Nothing popped up says i wasn't eligible for the welcome bonus. I hit the XXXX spent with in one month, but i didn't receive the bonus. Then, I waited another month, I messaged amex in the app on XX/XX/XXXX, they said they do see the offer, and I need to wait 3 month plus 8-12 weeks to be the points be posted. On XX/XX/XXXX, I messaged them again, now they said my welcome offer was declined.
Product: Debt collection

In XX/XX/XXXX XXXX with Springer Collections of XXXX XXXX, MN left a message on my home number looking for a XXXX XXXX regarding an old medical debt ( from XXXX ) for a low-income medical clinic in XXXX XXXX. My mother 's name is XXXX XXXX, and I did some investigating with the clinic as to the nature of the debt. As suspected, the clinic was looking for a different XXXX XXXX. The birthdates were way off, the social security number was wrong, and we determined that my mother had never been to that clinic. She lives some 40 miles away and is in memory care, not capable of getting to the clinoic. I spoke at length with XXXX after my investigation and she informed me that Springer would no longer be contacting me. Further, the clinic was supposed to notify Springer that they were pursuing the wrong XXXX XXXX. 

Yesterday, on XXXX XXXX at XXXX XXXX, I received another message on my home answering machine from XXXX with Springer Collections. She repeated her first message from XXXX, asking for XXXX XXXX regarding a medical debt. She did not give any indication in her message that she remembered she was calling the wrong party again.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I was having a mortage with bank of america bettowen XXXX to XXXX i want to make sure that dont take me more money and sure that i was the correct interest that they charge to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015 I agreed to a debt consolidation with XXXX for my account that was in collections, to be payed current and removed from collections. Total ( {$6500.00} ) Which was broken down into 5 accounts. 

The agreement to settle the debt and remove the account from collection was to make 10 months of on time payments then the debt will be consolidated as one account and all negative accounts would be deleted.

I made my 10 months payments on time as agreed and proceeding the interim four out the five accounts were deleted and removed, then consolidated into 1 new loan. One account remained with negative remarks on my credit report.

This was an error and the one negative account continues to remain as a blemish on my credit report, that is deterring my goal of owning a home. With the loan being paid and current as agreed I 've contacted the XXXX to remove this account as they said they would but to no avail thus far. ( This account remains with {$0.00} Balance )
Product: Credit reporting, credit repair services, or other personal consumer reports

MY XXXX  CREDIT REPORT SHOWS 3 hard inquiries from CBNA this company Has no information on me, they had me contact XXXX  XXXX  they have nothing on me they had me reach out to Citi bank and they have no information on me so XXXX  if reporting hard inquiries with no way possible to reach out to that company and XXXX  well not help and keeps saying the inquiries are correct according to the law 609 they  must furnish any and all information there holding on me and there have failed to do so XXXX  and who ever this cbna company is
Product: Debt collection

I received a letter from Credit Collection Services in XX/XX/XXXX saying I had an outstanding debt with XXXX. 

I called to find out information for the debt as I had no record of an outstanding debt to XXXX, a company I made several payments to in XXXX. And I had no record from my medical providers of ordered XXXX testing that was my requirement to pay. Therefore I requested validation of debt. 

Credit Collection Services ( CCS ) did not provide any information on the validation process. They did not provide me with the proper information that would allow me to make an informed decision as a consumer with regards to what the validation process does to your account, how CCS will contact you, the expected ETA of the debt validation process. 

I did not received any additional document from CCS until XX/XX/XXXX. Partly impacted by significant delays with USPS, I did not know to expect the letter, that it had been sent out or how the document would appear. What I received was a red and white lined document with random codes that I called both XXXX ( the medical provider XXXX and XXXX to attempt to verify and could not. There was no official documentation from CCS confirming that this document served as the debt validation and what would happen to my account or payment options. 

I paid the debt at the beginning of XX/XX/XXXX and CCS is now claiming they do not delete their collection record from credit reports, though they have not be clear on whether it is because of how I paid or because they don't offer deletions to any consumer or because the originating debt or does not offer it. 

I still have no record from my medical provider of how these XXXX test originated and simply paid to avoid impact on my credit report though the collection is now showing on my report.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX I received my updated credit report from XXXX. I have noticed that an account is in FACT reporting late payment. On a account that was CLOSED 6 months ago PAID IN FULL. This account is reporting on my XXXX report as late for XX/XX/XXXX. This is a DIRECT VIOLATION of 15 USC 1681e ( b ). A violation of 15 USC 1681 s-2 ( a ) & ( b ). A violation of USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). XXXX has reported inaccurate errors with actual knowledge. XXXX has also reported inaccurate errors AFTER proof/notice and confirmation of errors. I have attached solid proof that XXXX XXXX XXXX XXXX XXXX and XXXX are reporting late payments. That is on a CLOSED Paid in full Account closed on XX/XX/XXXX. This is just unacceptable and down right wrong on every level. How does this make any sense. To still report on a account that has been closed for 6 months. Then 6 months later receives a late payment on something that shouldn't even be reported on. I have spoke directly with the President Office personnel in response to this 6 month problem. I was told that there isn't any DELINQUENT account reporting to XXXX or TransUnion. That the account was closed and paid in full. See the attachments letters in regards to that situation. The only resolution to this is to DELETE this account IMMEDIATELY. I am now forced to seek a consumer attorney and file a lawsuit against XXXX and TransUnion. If this account isn't DELETED from my XXXX and TransUnion credit profiles. I've attached solid and direct proof to my complaint so you all can see.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I wired {$100000.00} to Gemini trust LLC to buy XXXX. I got emails to confirmed these transactions but the fund is not showing on my account. I wrote a lot of emails to ask Gemini support but no luck
Product: Credit card or prepaid card

I have a loan with Wells Fargo Bank. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and Wells Fargo Bank with no successful resolution. XXXX  is only reporting me late. There was definitely an error on their part. I was never 30 days late last XX/XX/2015.
Product: Credit reporting

Issue : Equifax is not capable of spelling my name correctly. In XXXX 2016 I wrote letter requesting correction, with proof. They responded by spelling my name wrong. I send another letter XXXX 2016, again they responded by spelling my name wrong. We did all this again in XXXX. They have just responded ... again ... .with the wrong name. I had mostly given up on having my name spelled correctly, but can not get the complimentary XXXX score from XXXX, with the name not matching. Can you help me please to get Equifax to spell my name correctly?
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit account with your institution. After reviewing my recent credit report, I noticed that there have been recorded instances of late payments on my account. XXXX XXXX XXXXXXXX. XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXXXXXX XXXX XXXXXXXX. customer service representative. I kindly request that you investigate this matter and, if appropriate, take the necessary steps to have the late payment entries removed from my credit report. Your prompt attention to this request is greatly appreciated. Thank you for your understanding and cooperation in resolving this matter. I look forward to your positive response and to continuing a positive relationship with XXXXXXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one opened this fraudulent account under my name
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights and are in error : 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 On XXXX  the credit reporting bureau ; XXXX XXXX acknowledged that they were in receipt of my dispute and were still working on the issues. On XX/XX/2023, I checked my credit report and the above accounts still reflect as a negative mark on my credit report. 
Again this is a violation of my rights under the FCRA 15 U.S.C. 1681 section 602 A which states I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 ; also states that the consumer reporting agency can not furnish an account without my written instructions. 

In my initial request to the credit reporting bureau on XX/XX/2023 ; I requested that the agency provide me proof of my written consent for the accounts listed above to be furnished. I specifically asked for the original contracts and signature, and proof within that documentation that states Im consenting for this information to be furnished. 

As of XX/XX/2023 ; I was never provided that information for any of the accounts referenced above. The inaccurate accounts are doing damage to my credit rating and I demand the accounts to be deleted from my credit report immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this request. 

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone use my identity to open several fraudulent accounts in my name I was not aware of any of these accounts I am victim of identity theft I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA 's. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Equifax continually changes my credit score dramatically for no reason and without any changes to my report. The change in score jumps wildly between XXXX point up and down for no reason. I do not agree with their reporting system. I would like them to just quit reporting all together because they are extremely damaging to consumers financial security.
Product: Debt collection

I received an alert on my credit report for a collection by Enhanced Recovery. I contacted their office to see what the collection was for. They stated it was a bill from XXXX. This is an account from XX/XX/XXXX that had been previously deleted from my credit report in XX/XX/XXXX under another collection company called XXXX financial. I have not received any notification other than the alert from my credit monitoring service. If it is verified that I owe the bill, I have no problem paying the bill. The problem that I have is a company submitting something on my credit report without notifying me.
Product: Money transfer, virtual currency, or money service

I tried opening a Venmo account. I inputted my email and other details when opening the account. 

A few hours later, I was told my account was frozen and that I would have to upload proof of identification. I did so. 

The next day, after looking at my identification, I was told my account would be permanently suspended and no further details would be provided. I tried following up but they refused to provide any further details or reason for closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the creditor and the credit bureaus on numerous occasions about the account being reported inaccurately to Equifax. 
I sent Equifax written dispute correspondence on XX/XX/2022 and XX/XX/2022 disputing that after I paid the account they are still reporting the account as derogatory and 120 days late. The accurate account status should be updated to reflect PAID, has XXXX and XXXX have updated on their reports. Since Equifax just Verrified the account I made 2 phone calls to them one on XX/XX/2022 and one on XX/XX/2022. On the call on XX/XX/2022 they stated they would put the account in dispute and claimed they had not received the written communication. Then I called on XX/XX/2022 and spoke to a supervisor that stated Equifax did not update that information on their end, which is inaccurate. They are responsible for ensure what they are reporting is accurate information.