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

[ XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPhone Number XXXX XXXX [ XX/XX/year> Securities and Exchange Commission ( SEC ) Attn : XXXX XXXXXXXX Subject : Complaint about the Unjustified Blocking of my Account on Coinbase Dear SEC Team, I am writing to you to file a formal complaint regarding the arbitrary closure of my account on the Coinbase platform. Without prior notice or clear justification, Coinbase has decided to block my account, preventing me from accessing the services for purchasing cryptocurrencies, using deposits and linking payment methods. 

On XX/XX/year>, XXXX XXXX ( Support - No Reply no-reply-support @ coinbase.com ) I received an email from Coinbase informing me that after reviewing my account in accordance with their terms of service, I am no longer eligible to use their platform. However, at no point was I provided with a specific explanation as to the reasons for this decision, which creates a great deal of uncertainty and frustration. 

Currently, my account remains locked, preventing me from freely trading my funds. Although the Coinbase email mentions that I can still withdraw, receive, and sell my assets, I am restricted from fully disposing of them. Additionally, I have attempted to contact Coinbase support without success, as they have not provided a clear answer or viable solution to my issue. 

The case number associated with my account is XXXX. This number is crucial to expedite the resolution of my case when I contact the Coinbase support team. 

I request that the SEC intervene in this case to ensure that Coinbase complies with the principles of transparency and fair treatment towards its users. I appreciate your assistance in obtaining a clear resolution on the reason for the blocking of my account and the immediate release of my funds. 

I attach to this letter the correspondence I have received from Coinbase, as well as any other relevant documentation to support my claim. 

I look forward to your prompt response and thank you in advance for your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I reviewed my credit report and noticed inaccurate personal information.
Product: Credit reporting

in 2007 i received my XXXX credit report and noticed there were numerous merchants that were not mine. i called transunion to report this and thet said they would take care of it. i later found out i made the mistake of not contacting the merchants. i recently tried to get copies of my past credit reports ( 2007 etc ... ) and they said they couldnt produce them. i beleive im a victim of identity theft that is sometimes followed by stalking that can go on for 5 years or more can cause XXXX etc ... i need these past credit reports to prove im a victim of idetity theft to stop the stalking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. 

Bankruptcy Chapter XXXX-dischargedXXXX XXXXL, Bankruptcy Chapter XXXX-dismissed, XXXX XXXX XXXX XXXX, XXXX XXXX. 

There are also a number of inquiries that I did not approve to happen. please delete these as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX
Product: Debt collection

I was notified XXXX XXXX XXXX ( Convergent ) on XX/XX/2018 regarding an alleged debt on behalf of XXXX XXXX XXXX , XXXX ( see attached ). At that time, I contacted Convergent via phone and written correspondence ( see attached ) stating that I have reason to believe I am not responsible for the debt that is being attempted to collect. I received a letter back from Convergent dated XX/XX/2018 ( see attached ) stating they are not currently handling the debt. Convergent, also, stated that if any information had been reported, they will request that the information be deleted. I spoke to Convergent on XX/XX/2018. At that time, Convergent stated that they closed the account and sent it back to XXXX XXXX XXXX , XXXX ( " XXXX '' ). 
I pulled my credit report on XX/XX/2018, and it reflected XXXX XXXX as a creditor on behalf of XXXX ( see attached ). The date reflected on the credit report was XX/XX/2018. XXXX XXXX XXXX has the same address as Convergent. 
I contacted XXXX XXXX XXXX via certified mail on XX/XX/2018, and I copied XXXX Dispute Resolution and XXXX XXXX XXXX , XXXX ( see attached ). In this correspondence, I requested information verifying the debt. 
I received a correspondence from XXXX dated XX/XX/2018 ( see attached ). In this letter, XXXX states that the account was transferred to XXXX XXXX, and I needed to contact Debt XXXX XXXX XXXX to discuss the account. The number listed on the correspondence is for XXXX XXXX XXXX. 
I received a correspondence dated XX/XX/2018 from XXXX XXXX XXXX , XXXX ( " XXXX '' ) ( see attached ). In this letter, XXXX states they are collecting a debt on behalf of XXXX.
Product: Bank account or service

It has been brought to my attention that my Banking institution, FifthThird Bank, allows my card information to be given out to entities that subscribe to this bank card information. This has been done without my knowledge. Also, I have asked the local bank manager some time ago to help me with some unaccounted for monies associated with my account. The manager informed me that there is a XXXX dollar an hour fee to assist me in this endeavor. I called the main customer service number about this fee. They informed me that there is no fee for this service. I was then instructed to go to another branch where I would not incur this fee. So the question remains. Where is the consistency?
Product: Debt collection

They contacted my wife phone number i dont know how they got her phone number and left a voicemail stating they needed to talk to me about legal actions. They never tried recheaching me first. As i call them first thing was trying to collect a debt for an old loan and if i didnt pay they were taking legal actions to collect money. XXXX dlls are owed couldnt pay i went in a hardship since XXXX was in a car accident and im trying to figure out what to do since i losty vehicle was injured and im under a accident attorney since i lost all my money paying some expenses at the moment of the accident. They are asking for apyment arrangements to pay of XXXX every two week for 8 biweekly payments but right now im living check by check since i have a different job due when the accident happen i basically lost my old job due that a vehicle was required for the job. Now its hard for me with my paychecks to even pay all my bills and rent and keep up with my family duties.
Product: Debt collection

These debt are not mine. They seem like they maybe payday loan and I have never take a payday loan. They will not mail me any information and all this was via phone calls. XXXX  XXXX XXXX XXXX Midwest Recovery Systems
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, Equifax Inc. announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a vulnerability on a U.S. website application to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XXXX through XXXX XXXX. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses, and in some instances drivers license numbers. In addition, credit card numbers for approximately XXXX XXXX consumers, and certain dispute documents with personal identifying information for approximately XXXX U.S. consumers were accessed. 

I went to the Equifax website and ran my information under 'Am I Impacted? '. Based on the information provided, Equifax believes that my personal information may have been impacted by this incident.
Product: Credit reporting

Hi Yesterday ( XXXX XXXX 2015 ) I went to XXXX XXXX in XXXX, XXXX to enquire about leasing car. I informed them in advance that my credit score is around XXXX-XXXX but do not have long history so i dont want u to tun the credit check. The manager ( Name XXXX ) confidently told me that this will be only soft check so no impact on my score. Now I see that they did hard check which is absolutely wrong. I asked them multiple to make sure that I dont want this but they said no problem, no need to worry. Same thing happened with when I came to XXXX first time & XXXX XXXX manager gave me wrong information, tried to sell his credit card .... this is really not acceptable. I do pay all bills, rent in time, no defaults and still suffering with this. I hope u will sove my problem. 

Creditor -- XXXX Creditor Contact Details XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Checking or savings account

Hello there, I'm writing in because I have, seemingly, no other alternative. The company in question is SOFI Financial. I had a checking and savings account with them that has been opened for years. Recently, I also applied for, and was approved for a credit card with them. I activated said card and was declined. I thought that was odd, so I tried once more, and was declined. I received no call from them at all regarding this- which I also found odd. 

I call and they tell me that my entire account, checking/savings/credit card, has been frozen for suspected fraud. Mind you, my checking account has no transactions whatsoever on them. My credit card was brand new. I had planned to utilize both once I received the card. 

My actually issue lies in the fact that reaching someone at SOFI who can give me actual information as to why my account was frozen, or any details at all about my account is near impossible. Reaching a general agent is fine, until you get through and they direct you to reach their fraud team who I can never get through to whatsoever. Immediately when I am transferred, or call the number directly, I am sent to a voicemail box in which I have left 4 voicemails on already on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I have received no response or correspondence back. I have also asked for their general support team to have a supervisor call me back and have received nothing back in return either. 

All accounts are frozen without any reason, ways to resolve the freeze, or ways in which to reach someone who can provide me any information at all.
Product: Credit card

American Express Gold Card with XXXX XXXX XXXX for 15 years. 
Pay card off in full on line every month. 
Did so this past month, scheduling the payment before the due date. 
For some reason unknown to me, the payment did not go through. 

I discovered this 2 days after the due date and called to pay it in full immediately, which I did. They charged me over {$200.00} in interest and my credit score has been affected. 

My paying on line and using on line statements saves the company money! I should not be charged interest or late payment fee for this glitch. They did agree to not charge the late payment fee of {$40.00} but said they " could not '' waive the interest fee. 

What recourse do I have?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hereby notifying you that neither on that those dates or dates similar, did I authorize any individual from the above listed companies to pull or review my Consumer Report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), both together and separately, my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer repor.As of XXXX XXXX I still have fraudulent inquiries reporting to my credit file. I have contacted below companies and are seeking a fast remedy of removing these fraudulent inquiries XXXX Bank XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 ExperianXXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

6. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


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 letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I have spoken to a couple of agents at Capital1 regarding 2 " cash advance fees '' of {$10.00} each. However, I have not cashed any money from my account, nor used any service authorized to access my cash advance limit. and I have an available credit limit so no need for any company to use a cash advance limit. They were unable to explain where those fees came from, did not offer to credit the fees back, and were not willing at all to try to find a good explanation. XXXX from XXXX center was not willing to work on the issue and hang up the call when I asked her several questions that she was not able to answer as she did not have done enough research on the issue. This card is not having unauthorized transactions from my side but is just being charged those fees directly from the bank without any reason. 
I have not done any cash advance transactions at all. XXXX from XXXX, FL center as well does not seem to help and was very rude in trying to work this issue. XXXX, XXXX, FL. XXXX, a fraud supervisor, has been asked to open a fraud ticket, and she also did not open XXXX, and have not suspended the wrong fees for investigation. I've been very clear to all of them that there were no cash advance transactions ( they then stated an app named XXXX was used for this purpose, and it was used to refill a pre-paid cell phone of mine. Never using cash advance limits but regular limiits, and any fees related to credit avance are unauthorized and fraudulent. Even the {$10.00} ( total {$20.00} ) charged by Capital 1 are fraudulent, illegal, a scam, and I hereby request a refund. XXXX states they do not charge any fees and do not use credit card cash advance limits, but regular credit card limit available specially to refill pre-paid phone services. 
This is not the 1st time I have problems with C1, but this time, this is too much. I demand redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. This is inaccurate and needs to be corrected immediately. My credit report is showing late payments to XXXX XXXX XXXX  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 myself or the XXXX XXXX XXXX customer service representative.
Product: Credit reporting

I would like the Credit Bureaus to report my information accurately and up to date. I have contacted them multiple times via phone, letters and complaints and have yet to reach a resolution. I have provided proof from my creditors that these accounts are reporting however my credit file does not reflect any of those accounts.
Product: Payday loan, title loan, or personal loan

I received a call today that a payday loan was taken out in XX/XX/2015 and they are suing for payment..they said XXXX Montana where I live and I dont they said store number XXXX they dont know where its at .. lady was calling from XXXX Texas.. for information how to serve me they gave an account number XXXX QCHoldings never heard from them ever Phone number they call from XXXX she said they need to hurry up and sue because time runs out Shes been trying to use a bank account that is not correct to take money out of
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. These inquiries are unauthorized. I lost my wallet. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The following personal information is incorrect Account Number : Name : XXXX XXXX 4. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX 5. The following personal information is incorrect Account Number : Date of Birth : XXXX 6. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX
Product: Checking or savings account

Dear XXXX XXXX and XXXX XXXX I'm working with the cfpb regarding XXXX XXXX decision not to enforce the arbitration clause regarding Citibank dispute. 

XXXX XXXX decision to close Rev. XXXX account without arbitration is a clear violation of the Federal Arbitration clause due to my race as an XXXX XXXX. 

Due to my race XXXX XXXX has also close out my checking account because I'm a XXXX male with social security income and XXXX health insurance. 

XXXX XXXX decision makes me very sad and creates suicidal thoughts regarding my mental health condition under XXXX health insurance regarding social security income. 

I will continue to work with the cfpb regarding XXXX XXXX decision regarding my race and income. 

Buy best has review the record and proceed with a resolution but XXXX XXXX is refusing to provide a resolution only because of the skin XXXX of Mr. XXXX and the source of his income with social security after Mr. XXXX explain the situation regarding Best Buy Citibank resolution. 

XXXX XXXX decision is motivated by a history of hate and racism in XXXX regarding Citibank Best Buy resolution conducted in Good Faith. 

XXXX XXXX understand that XXXX XXXX XXXX is an XXXX American male and has no desire to honor Citibank Best Buy resolution. 

XXXX XXXX close out my checking account because of my race, social security income taxes, and Citibank Best Buy resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian, XXXX, and XXXX on XX/XX/2023 about a few items they are inaccurately reporting on my credit report. I have disputed these accounts with the credit bureaus and directly with the creditors multiple times all of which was not properly investigated by the credit bureaus and the items remained on my credit report. 

The accounts that were recently disputed were : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX All 3 credit bureaus are reporting different dates for the date the accounts were opened, the dates the accounts were last active and the dates of last payment. All of these dates are inaccurate. I am entitled to an 100 % accurate report. All 3 credit bureaus should be reporting the exact same information accurately.
Product: Mortgage

on XXXX/XXXX/15 I spoke with Nationstar Rep LJ # XXXX she explained that my loan Modification was denied because of the following : XXXX NoteXXXX : I explained and wrote a letter that I do not pay child support, gas, cable, car note, phone. I called 2 weeks later and was told my Loan Mod was denied again for the very same reason after my naca representative updated my file and i have written letters clearing up any confusion they may have. I have yet to hear a response
Product: Credit card

I was hurt and could not work. I needed XXXX operations. My wife and I went to Wells Fargo bank in XXXX VA to do some business and the lady manager talked me into getting a credit card. She said we would need it because I was going to be on XXXX. She talked me into it finally, but my wife and I both told her not to put my wife on the card as an owner. The lady manager did put her on the card without our consent. She knew she could n't get me approved so she put my wife as the primary card holder. My wife is XXXX XXXX XXXX. We are very upset about that, but we did n't know she did it until way later. I used the card to supplement my income which was a big mistake. I could n't pay it back so I tried to settle with them two times. I am now off XXXX and working again, so I am going to be able to catch up on my debt in a year or two I hope. We were already crushed by my injury and all the bills I got behind on, but the Wells Fargo credit card is not right. My wife 's credit is shot because of it. She was not to blame for any of that and she should not have it on her credit. I am the only one to blame for not paying it back, but Wells Fargo Bank tricked us into it without our consent for XXXX to be the primary card holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the Equifax hack. I want to find out if my information has been compromised by the hacking but the terms-of-use on the Equifax site set up to do so waives my right to join a class action lawsuit against the company should I see if my personal information, including social security number, was compromised. I refuse to waive my right to a law suit against the corporation should it turn out that I am a victim of the hack. I have no faith in the corporation that a written statement seeking to anull the arbitration clause in the terms-of-use would be accepted even if the letter was received within the required 30 days. A credit report would only be of use after my account was used, should it happen. There absolutely needs to be another way to check if my information was compromised.