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

Summary : Coinbase failed to pay me {$1800.00} after I sold assets. 
On XX/XX/XXXX ( 14 business days ago ) - I sold Litecoin in Coinbase. 
On XX/XX/XXXX ( 7 business days ago ) - I sold BTC in Coinbase. 

Both transactions show " completed ''. Their website first said " wire delays 2-3 days '', then " 5-7 days '', now " 10 days ''. I am at 14 business days now. They are keeping my money. Repeated attempts on gaining an estimate have failed. They do not answer their phone. 

I wish for them to do the following : 1. If wire transfers do not work - then perform an A.C.H. 
2. If they are unable to perform the above, then redeposit the sold LTC & BTC into my wallets. 
XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Extended Details : > > > > > > > > > > > -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Total Loss : {$1800.00} Sold Litecoin XXXX LTC @ {$360.00} per LTC Reference code XXXX Payment Method My credit union.. 
Fee {$25.00} Subtotal {$360.00} Total {$330.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Sold Bitcoin XXXX BTC @ {$17000.00} per BTC Reference code XXXX Payment Method My credit union. 
Fee {$25.00} Subtotal {$1400.00} Total {$1400.00} XX/XX/XXXX XXXX XXXX Completed -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Company Regarding : CoinBase XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX-XXXX XXXX@XXXX.XXXX  www.coinbase.com -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Summary : I executed the above noted trades. One has been over 14 business days. The other, over 7 business days. Coinbase, at first, estimated delays of " 2-3 days '' ; then " 5-7 days '', now " 10 days ''. 

They never wired the funds to my bank. 

I submitted an inquiry via their support website ( they do n't offer phone support ) on XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I 've got 2 " cut and paste '' replies that state they are sorry and working on it. However, their website states there are only 10 day delays for wire transfers - but it 's been 21 days ( 14 business days - as of XX/XX/XXXX ). They 've apparently sold my holding, stated it 's " complete '' and still are holding my funds with no intention of depositing it into my custody. I tried to call them today & they do n't answer. 
= -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
Product: Credit reporting or other personal consumer reports

TransUnion send me update on XX/XX/year> that account was deleted, looked at my consumer report as of XX/XX/year> and still showing on consumer report needs to be fixed asap! TransUnion is causing me hardship
Product: Credit reporting or other personal consumer reports

Credit Bureau reporting inaccurate balance on my credit report preventing me from obtaining new housing etc.. I paid this account off on XX/XX/year>.
Product: Debt collection

The debt collector is XXXX XXXX XXXX and the amount is $ XXXX original creditor, who is XXXX XXXX, sold this account to the debt collector. This account was placed on my account, but it is not my account. This account is a result of identity theft as well as fraud. I have requested proof of ownership as well as a signed purchase agreement from the creditor on numerous occasions and they have yet to supply me with that information. This is not my account, and I have no knowledge or association with this debt, and it is impacting my home buying process.
Product: Bank account or service

I have been trying for over 2 months to contact someone from Bank of America to investigate why my account was charged for over 5 years a service fee each month when I had an automatic deposit over XXXX $ each month. I can not get thru to anyone. I am constantly redirected when I finally speak to an individual they redirect me back to automotive system! Ye
Product: Vehicle loan or lease

Vehicle repossessed on XX/XX/year>, asked for DEFIECIENCY STATEMENT FROM Quality Acceptance LLC, they failed to send statement. Never received anything from company. Company still reports inaccurate information to the 3 major Credit Reporting AgenciesXXXX XXXX, XXXX XXXX XXXX as " Charged Off '' with inaccurate balance reporting. Vehicle had gap insurance coverage and balance owed is FULLY INACCURATE! 
FCRA 623 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( b ) Duties of Furnishers of Information upon Notice of Dispute ( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer repo ting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, re- port those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent item being placed upon my credit report from Citicard/Citibank that is not mine. The person ho set this account up committed identity theft in doing so because I have never had or opened an account with Citicard/Citibank. I have sent no less than 3 disputes to them regarding this matter and I have heard nothing back from them, they did not comply with Section 609 FCRA under identity theft provision. I am attaching my dispute from XX/XX/XXXX addressed to each credit reporting agency demanding a proper investigation into the matter under Section 609 FCRA and they have failed to comply with this section under The Fair Credit Reporting Act. 

I am enclosing an article from XXXX XXXX that references a lawsuit filed against XXXX  by The Federal Trade Commission in XX/XX/XXXX. This article discusses the violations of XXXX  involving their failure to provide specific records to customers asserting identity theft. As of this complaint submission Citicard/Citibank has refused to comply with Section 609 FCRA which is causing me great harm and injury to my credit report. In addition, XXXX, XXXX  and XXXX  are not conducting a proper investigation into the complaint since they are all aware of dispute under Section 609 FCRA going back to XX/XX/XXXX. This is an identity theft issue and none of the entities are complying with The Fair Credit Reporting Act Section 609. 

Please note the attachments to my complaint along with my previous disputes to XXXX, XXXX  and XXXX  under Section 609 FCRA.
Product: Prepaid card

Hello I have encountered a worrying transition on my AMEX prepaid gift card. 

I tried to purchase a XXXX XXXX XXXX on XXXX XXXX shop for around XXXX XXXX the card got declined. I attempted to make the purchase on either XX/XX/24 or XX/XX/24. 

I believe there was a fraudulent purchase on my card from XXXX XXXX, CA. It was only {$0.00} but I am worried someone fraudulently got access to my card. The fraudulent purchase was on XX/XX/24, at XXXXXXXX XXXX, the card details from AMEX says that it was made at XXXX XXXX or XXXXXXXX XXXX. I am almost certain this was a fraudulent transaction because I live in New Jersey not California. I believe that the info was obtained through the XXXX XXXX shop transaction as the dates for the fraudulent transaction were very close together. The reason why I think that the info was obtained through there is because XXXX XXXX XXXX XXXX has gotten many concerns on safety issues and privacy issues. 

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

AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED AN INACCURATE ACCOUNT THAT APPEARED ON MY CREDIT WHICH I WAS UNAWARE OF. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME AND I WOULD LIKE A RE-INVESTIGATION INTO THE ACCOUNT SO IT CAN BE REMOVED OFF MY REPORT.
Product: Debt collection

I resided in a community rental " XXXX XXXX '' when the Covid started, after 4 to 5 months I was laid off among 150 other employees due to Covid from the same company, it became a hardship to pay the bills and the rent so I decided to move instead of getting a " Notice to vacate or Evicted ''. They said regardless of the situation I had to pay 3 months in order to move out, they did not care about the Covid situation due to loss of employment and If I did not pay I will be put in collections. So they did anyways and now my credit is hurt due to an unexpected situation that happened to millions in the US and other countries. I need this removed from my credit. 


COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX MONDAY-FRIDAY XXXX TO XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX, VA XXXX Original Creditor : XXXX XXXX Placed for collections on : XX/XX/2021 Original Principal : {$6500.00} Current Principal : {$6500.00} Interest Due : {$12.00} Total Due : {$6500.00} XXXX XXXX, As you are aware, your account is past due. Since we have not received any response from you regarding your balance, we request you choose one of the following : Mail the past-due amount today to the above address. 
Mail a post-dated check today dated for any date this month that funds will be available. 
Contact the undersigned account representative so satisfactory arrangements can be made. 
Your attention to this matter is important to avoid further collection efforts. If payment has already been remitted, please call and notify your account representative promptly upon receipt of this notice. 

*To make a payment or setup a payment plan, go to www.genesiscred.com. 
Sincerely, COLUMBIA DEBT RECOVERY LLC DBA GENESIS ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting act XX/XX/XXXX account XXXX XXXX XXXX, account number XXXX, has violated my right. 

15 U.S.C Section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and my current Discover card account number is XXXX XXXX XXXX XXXX. I have experienced unauthorized and fraudulent activities on my account, and I am seeking your assistance in investigating and resolving this issue. 
The unauthorized transactions in question occurred as follows : 1. On XX/XX/XXXX, an amount of {$2500.00} was charged to my Discover card ending in XXXX. 
2. On XX/XX/XXXX, another unauthorized transaction amounting to {$2900.00} took place. 
3. On XX/XX/XXXX, a third unauthorized transaction occurred, totaling {$2200.00}. 
I wish to emphasize that these transactions were conducted without my authorization or knowledge. I have not shared my card details or approved any such transactions. It appears that my identity was compromised, and the fraudulent activities were carried out by an unauthorized individual. 
In addition, I suspect that the One-Time Password ( OTP ) codes required for approval of these transactions were sent to a phone number other than mine, specifically to ( XXXX ) XXXX which I havent been using for a long time. I do not utilize this phone number for any financial transactions, and I believe that my phone number might have been compromised in the process. It is my concern that the perpetrator may have exploited this situation to create fake XXXX accounts and subsequently misuse them for fraudulent purposes. 
My daughter was always managing my payments so I wasnt aware that my cards were fraudulently swiped by someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need XXXX  credit report UNfrozen for a refinance loan. I can not reach a person via phone & am unsuccessful online. Both methods refernto the other then claim I must send a US postal letter (!? ) They say they can't verify who I am with the info provided ( name, address dob, ssn, I have lived at my current addy for more than 2 yrs. ) I even confirmed my name & addy spelling spelling from letters received from them! I can not reach a person. Every time I call it says they can't verify who I am because my credit report is FROZEN! Duh.
Product: Student loan

I qualified for XXXX XXXX XXXX XXXX almost 2 years ago, and my loans have still not been forgiven. The threshold for forgiveness is XXXX payments, and Mohela currently has my account listed as having made XXXX qualifying payments towards loan forgiveness. I contacted Mohela ( the loan servicer ) today, and no one could give me any concrete information on my account status. 

I have completed all of the necessary forms and continue to update my employment via the XXXX employment certification forms, but no one can tell me when or if my loans will be forgiven. 

My account is now 22 months past the date that I should have been forgiven, and during that time my loans continue to sit on my credit report and limit my ability to receive financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA ( closed ) Is over 7 years old. This should be removed because of the age.

Last payment was in 2011 please see the attached XXXX old credit report stating the correct dates.

Every time the company ( Santander Consumer USA ) is contacted it seems they keep changing the final dates. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, there was a government shutdown which affected my business tremendously. I am a XXXX XXXX XXXX and I do a lot of XXXX and XXXX XXXX XXXX XXXX. Because of the shutdown, HUD and all of the government agencies were all closed which caused all of my loans not to fund. I work on 100 % commissions, so this halted ALL of my income that I make. I spoke to someone at XXXX and they told me that since my business was affected by the government shutdown, they would extend my payment for 60 days and that I would not be reported late on my credit report, I was assured of this. 

Once the government opened up towards the end of XXXX, my loans were able to move forward toward closing and once they did, I paid the TOTAL balance off. 

Well, a few months later after checking my credit, I saw that I had a 30 day late on my credit, and they did not follow through with they told me. They actually said I was 60 days late which was not true, and ALL of the bureaus were reporting a 30 day late except XXXX was reporting a 60 day. I looked even on my XXXX online account and XXXX was showing online a 30 day late on my report NOT a 60 as XXXX was the only one showing. 

I spoke to a few people even a supervisor complaining about this and they said they can not legally take it off because it was not XXXX fault which I completely disagree with. 

I have never, never been late on XXXX except for when the government shut down, and I have paid them at least XXXX to XXXX a year in payments since I had the card, so this is very unacceptable. 

I am currently trying to buy a house for my wife and my XXXX to have a nice place to stay, and my current lender will not do the loan with the late on my credit. 

I am a veteran and trying to do a VA loan, so I really need XXXX to follow through with what they said they would do. I need the late payment from XX/XX/XXXX to be taken off of my account due to a representative telling me incorrect information. 


Since I have always paid my XXXX on time and I spend much more than the average person with my XXXX XXXX, I think that they should take off the late payment, and I can set up autopay so that I never have this issue again. Having great credit is very very important to me, and I have worked very hard to get my credit in the 700s Whenever you call XXXX you are always connected so someone in XXXX, so maybe there was a language barrier and the representative gave me the incorrect information, but I am 100 % they told me they would put my payment off for 30 days. XXXX reports every 60 days, so I would have never had a late payment. 

Please help me get this off of my credit so that I can be able to finally get my wife and newborn the new home that I have always dreamed of. This will be my first home I have ever owned. 

Thanks so much XXXX XXXX
Product: Mortgage

This is what the bank is doing to me:XXXX dollar lawsuit. The suit was filed in U.S. federal court in XXXX, Texas a small community just XXXX miles north of the XXXX XXXX XXXX, about a XXXX XXXX XXXX XXXX XXXX XXXX.The lawsuit alleges that BofA mortgage holders have suffered hoursof telephone run around, misleading and inconsistent information, lost correspondence, verbal abuse, and extensive delays in efforts to get home mortgages modified. " The facts in this case reveal the harsh reality that underlies the loan servicer 's press statements about loan modifications and forbearance agreements following the collapse of the U.S. housing market, '' the suit states. " This is not an isolated case, '' said Attorney XXXX XXXX XXXX, who represents the plaintiffs in the This is exactly what the Bank is doing to me in this case : The plaintiffs ' attorneys say Bank of America breached mortgage contracts, were negligent in representations made to borrowers and in violation of the Texas Debt Collection Act. Many of the plaintiffs were told they were eligible for loan modifications or other work out assistance by the bank, of BofA employees handling their mortgages. Only XXXX of the homeowners have been foreclosed as a result of problems. 
Mortgage holders have suffered hours of telephone run around, misleadingand inconsistent information, lost correspondence, verbal abuse, andextensive delays in efforts to get home mortgages modified. " The factsin this case reveal the harsh reality that underlies the loan servicer 's press statements about loan modifications and forbearance agreements following the collapse of the U.S. housing market, '' the suit states. " This is not an isolated case, '' said Attorney XXXX XXXX XXXX, who represents the plaintiffs in the lawsuit. " It is the normal way the bank handles business. " The plaintiffs ' attorneys say Bank of America breached mortgage contracts, were negligent in representations made to borrowers and in violation of the Texas XXXX XXXX XXXX. Many of the plaintiffs were told they were eligible for loan modifications or other work out assistance by the bank. 
This is far from the truth, the bank is doing exactly to me of what occurred in the above case.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credi report. 

Equifax : XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report recently after not using it for years, I noticed accounts reporting that I never applied for. I have not used my credit for years now yet there are accounts that are reporting under my name which I never authorized myself. I believe that someone has used my personal information to open these accounts. 

The following accounts are not mine, were opened fraudulently, and should be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$20000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00}
Product: Debt collection

I recently pulled my Consumer Report and found a company by the name of Hunter Warfield on all three Consumer Reports which is a violation of my rights, which the company is violating the No-Parking law under 15 USC 1681 PLEASE REMOVE ASAP from all the CONSUMER REPORTS THIS COMPANY IS BRINGING HARDSHIP TO ME AND MY FAMILY AND ME BEING ABLE TO REACH MY GOALS FOR THE FUTURE.i am seeking a {$1000.00} more per violation..
Product: Debt collection

I am furious that this company has continued to repeatedly attempt to contact me after i've sent them a cease and desist letter. Under the FDCPA 15 usc 1692c it is my right to cease all communication with a debt collector, and in that letter I also invoked my specified remedy that this company cease all communication with me and any other person regarding this debt through any medium ( which includes mail, phone, and credit reporting ). This company has violated my rights by continuing to send me letters stating that I owe something. This company has communicated with another company regarding my personal information after I did not give them consent to do so. And under law any medium is any direct or indirect communication. This company has also violated my rights under 15 usc 1692d by continuing to harass me after i told them to stop contacting me. This company has also failed to report to the 3 nationwide credit reporting agencies that they have sold my information to another company, especially without my consent.