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

We are not satisfied with the response from CoinBase, regarding the closure of our deceased son 's account. 
We have previously submitted a complaint with CFPB # XXXX. 

Our son, died on XX/XX/XXXX. 
On XX/XX/XXXX, the first inquiry was made to CoinBase, regarding an account that he had with them. All necessary documents ( Death Certificate, Affidavit of Domicile and Drivers ' license of personal representative ) were uploaded to their website. From his bank activity, we knew that he had made deposits and withdrawals in this CoinBase account between XX/XX/XXXX and XX/XX/XXXX. 
There was not action nor response from CoinBase to our inquiry. 
We submitted a complaint with CFPB on XX/XX/XXXX. 

We are not satisfied with the solution that CoinBase presented to us on closing our deceased son 's account and opening another account and so, we presented a complaint directly to CoinBase on XX/XX/XXXX. They had not answered our questions about the value of the account and sent us a list of transactions, all in cryptocurrency from which we were unable to ascertain value in USD. 

As legal personal representatives of the estate of our son, we should be able to get information about the account, like the value in USD ; be able to close the account ; and direct the balance of the account be paid in USD by check, to an established Estate bank account. We do understand the volatility of cryptocurrency, but needed to know a date of XXXX valuation.

Repeatedly we were told that we had to open a personal account in order to transfer the money. We are not comfortable with this, especially after CoinBase has been so lax in responding in a clear and reputable way to our request. 
We will not open a personal account with this company. My son has/had an account. Why can not his account be closed and the funds sent to his legal Estate account? It seems impossible to do this? As legal representatives of the estate, we are not the beneficiary. His XXXX son ( age XXXX  ) is the beneficiary of the Estate, but can not open an account. CoinBase replied to this and said that his legal guardian could open an account and the transfer could be made. And yet, there was no description of how they would validate that the person is the legal guardian. It seems that anyone could open an account and ask to transfer the cryptocurrency. And then, how would the account be closed and balance remitted in USD. We would certainly not be comfortable with providing a bank account of ours to receive the funds. Every other financial institution that we have had to deal with was able to provide a check in USD, made out to the Estate.
CoinBase has not been helpful. They say that they " work with trust accounts '' and yet that is not what this is. An account member died, he had no will, his estate is in probate to ascertain just what his XXXX  son may inherit.

We are trying to protect our identification, and get the money due to our grandson.

Thank you.
Product: Debt collection

I notified SEQUIUM ASSET SOLUTION, Original creditor : XXXX  XXXX Reference Number : XXXX, Creditor : XXXX XXXX XXXX XXXX, Creditor Account Number : XXXX, Total Due : {$2400.00} about a fraud account they will not remove it thy received a letter on XXXX XXXX Sent A police report and a fraud letter still not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

IQ data has falsely reported wrong information to get money from a court order written statement! They have falsely reported incorrect payment statements & history dates
Product: Student loan

I am unable to fix this issue with MOHELA because I have such difficulty getting someone to help. I have called about why some PSLF payments are not counted though I was employed where they should count. I was going to be on hold for 50min so I elected to have a call back. XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I can not just wait on the phone for the estimated 50min they told me because I have to take care of patients. They call back came and I answered on the first ring. Somehow MOHELA hung up and left a voicemail stating they could not reach me. This is false. I am now trying to call back and leave my phone on so I can answer but it has been almost 40 min this time. No one has the time in their work day to wait 30, 40 min or an hour for help with something as important as our loans. And MOHELA knows that we dont have time and they hope we just keep paying and not getting assistance. But we can not stand up for ourselves. Are you able to help myself and many other borrowers have better service especially those who actually will pay the loan. We just need them to answer our questions.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Chase is refusing to investigate and reverse XXXX charges on my credit card for which I have received NO services/goods from the so-called merchants. Chase is discriminating against me as a minority and there are a considerable number of reviews of Chase refusing to properly handle disputes for minorities online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a list of accounts and amounts that are not mine at all, I would like them removed from my credit report because it is stopping me from refinancing my home XXXX XXXX Account Info {$1300.00} XXXX   {$100.00} XXXX XXXX {$1600.00} XXXX  {$390.00} XXXX XXXX XXXX {$59.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$540.00} XXXX XXXX {$300.00} XXXX XXXX XXXX. {$250.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX {$1000.00} NOW THESE ACCOUNT BELOW BELONG TO ME BUT THEY ARE REPORTING I HAVE MISSED A PAYMNT AND I HAVE NEVER MISSED A PAYMNT XXXX XXXX XXXX FOR THREE ACCOUNTS ALL SAYING I WAS LATE AND I WAS NEVER LATE
Product: Debt collection

On XX/XX/XXXX I received a letter from UNIFIN debt collector that stated I had to pay XXXX ..this debt was originally purchased from XXXX XXXX XXXX XX/XX/XXXX. from XXXX XXXX XXXX back on date XX/XX/XXXX. I called unifin XXXX on XX/XX/XXXX @ XXXX I spoke to a woman wouldnt give me her name I told her this debt had been paid off back in XXXX to XXXX XXXX I have proof ... she told me that the original debt was only paid on for XXXX back on XX/XX/XXXX ... I had set up payment plans for XXXX after the initial payment of XXXX on date XX/XX/XXXX ... the woman spoke in XXXX accesnt and couldnt provide any proof stating the original account from XXXX XXXX   was paid off. I asked for them to send me proof of the account agreement from the company XXXX XXXX she immediately got discouraged with me stating it wasnt her job to prove or provide that information.. then she stated YOU CAN STAY IN COLLECTIONS FOR ALL I CARE ... then hung up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This Third party Debt collector agency XXXX XXXX has bought my personal information or was given my personal information WITHOUT my consent! I do not owe this company, never had dealings with this company what so ever. This is a violation under the FDCPA as I didnt give permission for XXXX XXXX to sell my personal information. This is a form of identity theft.
Product: Checking or savings account

Hello XXXX XXXX, Im a victim of fraud and Includes identity theft by chase bank and Private real estate Companys.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Vehicle loan or lease

Yesterday, XX/XX/XXXX was atrocious the lack of respect for those battling invisible XXXX like myself was monstrous. Tuesday, XX/XX/XXXX I spoke with two different XXXX My church called Omni and made an agreement to pay. Due to me being in an emergency crises it was communicated XXXX XXXX had to pay by XX/XX/XXXX or my car would be transferred to an auction location closer, so I could get my stuff. I spoke with XXXX which an after hours operator at XXXX am on the XXXX or XXXX due to desiring to get my car. I spoke with a plethora of people. However, at XXXX XXXX a supervisor called me and expressed he couldnt bring me the car. I had to contact XXXX ( XXXX XXXX XXXX ). I called him after Wednesday to report that I couldnt make it due to no money. XXXX stated it would be in my best interest to pick the car up Friday at XXXXXXXX XXXX which is Friday. Upon arrival security and supervisors were not prepared XXXX XXXX triggered me. My son and I had to rush to our XXXX. The trip up was {$110.00} plus tip. There are so many issues when my car was picked up I had just got an oil change and due to the transmission leak. I was encouraged to get oil changes. My car has XXXX miles, but I had got an oil change XX/XX/XXXX the mileage was XXXX miles and the anticipated oil change date was XX/XX/XXXX. My XXXX XXXX XXXX son was with me. He looks XXXX. THE MAIN PROBLEM IS THEY USED THE LOW XXXX to get back at me for the misunderstanding. XXXX XXXX called XXXX XXXX where she escorted me over to redemption. Then, XXXX XXXX answered my question inappropriately. Then, a XXXX woman that they wouldnt give me name appeared. She treated me horrible. The lady says she can whoop my XXXX and charges at me. I got in the boxing stance to let her know I wasnt scared. After my exchange XXXX tries to calm me down, but it isnt working. XXXX XXXX expressed that his mom has XXXX but she can controls hers and doesnt spit on people. I didnt do it intentionally I told my medicine and I was spraying it and I was praying. XXXX XXXX was the supervisor. I had an emergency tooth extraction, my son didnt have on a coat on, and no money. XXXX should have did what he needed and Toyota Omni. It was expressed that it was never reported that there was a lien release and taking the car. I have been sick all day until the present moment of XXXXXXXX XXXX and this was done in front of my son. XXXX didnt tell me no kids. He said I had to have a license and the drivers plate. Now, my car is off and in the hood at XXXXXXXX XXXX, so if someone steals what left of my car then what?
Product: Credit reporting, credit repair services, or other personal consumer reports

I utilize a credit monitoring service. On XXXX I discovered my Equifax rating had dropped over 150 points. My mortgage is being reported as being " in foreclosure '' despite having a 100 percent on time payment history and being current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some item on my credit report, via letter, that, I believe is not mine, and asked for validation, which is due within 30 days. 

I received a response saying the accounts were verified, but nothing showing how the accounts were verified and validated. According to the laws, validation is required within 30 days or the accounts has to be removed. 

Accounts reference is : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX # XXXX XXXX XXXX? XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Student loan

Navient has on multiple occasions put a student signature loan in deferment without my authorization. This resulted in only interest being applied to my account until I realized what they did. This now raises the monthly rate of the loan, and extends the time to repay. Somewhere after the XX/XX/XXXX payment Navient put the loan in deferment for two months until I called and asked them to not change my loans without my authorization. This added about XXXX dollars of interest to my account and added to the principal. This same issue also happened for a month after my XX/XX/XXXX payment. I am very disappointed with the tactics by Navient to change a loan that would cause more money out of the student 's pocket and more in their pocket. What they did was wrong, and it happened multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 13 hard inquires for different companies ive never requested credit from ; Capital one financing Capital One Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ACCOUNTS THAT DO NOT BELONG TO ME, UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT SAYS CHARGE OFF THAT IS INACCURATE, SEE LETTER OF EXPLANATION.
Product: Debt collection

I received a garnishment notice while I was on Family Medical Leave for XXXX leave. on XXXX/XXXX/XXXX XXXX was garnished from my check. I am a family of XXXX and the only XXXX working, with a XXXX XXXX and just starting back to work from XXXX leave. I called XXXX XXXX XXXX and explained my situation and asked if they could take the garnishment off while I payed them a lower payment. The lady I spoke with told me that the interest is XXXX cents a day. I originally owed the hospital that sent me to collections around XXXX with interest and time it is around XXXX. She told me that the only way I could get the garnishment taken off was to pay them in full. They have since garnished XXXX on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX. I cant pay my other bills due to them garnishing that much money every two weeks. why cant they take smaller payments and why did the original amount I owed the hospital go up so much
Product: Credit reporting or other personal consumer reports

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 my credit report there are some hard inquiries that did not permissible purpose. Can you reinvestigate the inquiries listed below? I have also attached evidence. 
XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be in my report. Delete this inquiry due to violation of 15 USC 168 1b 2. XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b 3. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b 5. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b Once you have deleted the hard inquiry from my credit report, please send me a copy of my updated report. 

Thank you, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was advised by XXXX XXXX XXXX that an address change was made on my behalf. The address change was an attempt at identity theft. I immediately contacted XXXX XXXX XXXX and advised them of same. They cancelled my card and reissued a new card and promised to remove the fraudulent address from my account. That never happened ; in fact XXXX XXXX has now reported the fraudulent address to the credit reporting companies ( Experian, etc. ). Today I spoke with XXXX at Experian and he assures me it will be removed ; however, I have been promised this before. Now I have an alert that the fraudulent address is now associated with my SSN. This is problematic on many levels. My complaint is specifically with XXXX XXXX XXXX and their incompetence as well as reporting information they know to be fraudulent to the credit reporting services. This has taken me many hours to attempt to resolve and so far they have been unresponsive. I mailed a complaint directly to XXXX XXXX on XX/XX/XXXX after repeated phone calls and I have not seen any results nor have I heard from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to the inaccurate and unknown things on my credit report. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. I suspect the following accounts are reported in duplicate. This is a good-standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. DPT EDXXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance : {$0.00}
Product: Debt collection

Oliphant posted a collection for acct XXXX XXXXXXXX without sending me the legally required notice as per the fair debt collection act. I filed a XXXX complaint and Oliphant 's response was to contact them. When I contacted them, they were unable to validate the debt. I called the original credit XXXX XXXXXXXX XXXX myself and I was advised that company was acquired by XXXX and they had no record of me buying anything from then. Despite this, Oliphant said if I paid the debt, they would DELETE the collection account. On a recorded line, they verbalized these terms DELETION of the collection account and these were the payment terms I agreed to those terms. Several weeks later, Oliphant simply updated the collection as a PAID collection owing a {$0.00} balance. I called Oliphant and spoke with a manager named XXXX and I told her these were not the payment terms I agreed to and to check the recording. XXXX advised that the collection would be deleted eventually, but that I had to wait until the end of XXXX for processing. It is now XX/XX/XXXX. The collection has not been deleted as per my agreement. Oliphant is in breach of their agreement. I have contacted Oliphant several times. My number must be on alert with them because the line either automatically disconnects or I am just left on hold. On Friday XX/XX/XXXX I was told XXXX would be calling me back, but she never called me back. Again, Oliphant is in breach of their payment agreement to DELETE/REMOVE the collection that they could never properly validate in the first place. I request IMMEDIATE deletion of the collection or Oliphant can review my recorded call and refund me my payment as they are in BREACH of the payment agreement.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. I have been facing a lot of problems in terms of financial, emotional, and physical aspects. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
Product: Bank account or service

Hi. I had five errant ATM transactions in XXXX on XXXX/XXXX/17 The ATM machine cancelled the withdrawal transaction but posted it to my account as a withdrawal five times. 
BMO has only credited me for FOUR out of FIVE transactions, and TWO out of FIVE transaction fees. I am still waiting for the credit on one transaction of {$130.00} and TWO additional {$4.00} transaction fee and ONE additional {$3.00} transaction fees. 
Please see attachments for original statement and the current credits. Obviously, I would like to get the final credit for the transaction and the fees.
Product: Checking or savings account

On XXXX XXXX, XXXX I deposited a check for {$500.00} and cash amount of {$400.00} into Wells Fargo ATM # XXXX - the ATM froze, and then gave me my card back. The deposit email only showed the {$500.00} check deposited, and nothing about the {$400.00} cash. 
I went into the Wells Fargo XXXX # XXXX and told the banker what happened. They advised me to file a dispute with Wells Fargo so I did that immediately. 
I received a credit for the {$400.00} while the investigation was done. 
On XXXX the {$400.00} was reversed and the bank said the investigation showed no error on their part. 
They said theres nothing else they can do, and dismissed me. 
There should be camera footage of this transaction, as a business owner with this business account who deposits cash and checks often, I feel I cant rely on Wells Fargo to be honest about ATM transactions, and I cant get any assistance from Wells Fargo. 
The ATM should clearly show there was additional funds from my deposit, and if not there should be footage or records of my issue with the ATM, yet I cant get any resolution from Wells Fargo.