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

This is the last of dozens of emails I sent to Coinbase about my issue. 

Hello XXXX, Thanks for the response. My account has not been secure at all on coinbase. I have been on customer support longer than coinbase itself because I have had grave concerns about its security. Last month I made a {$2000.00} bitcoin purchase. I was double charged for that purchase. Then I was charged another 2 payments for {$2000.00} each so Coinbase illicitly charged me {$6000.00}. I called customer support and asked that the those charged be wiped out. I was given a {$4000.00} credit reversal and now Coinbase and I are square. However, I was given another {$4000.00} of refund from Coinbase because from what I read on your support site, this was a widespread issue. Now I am up {$2000.00}. There is an attachment of my bank statement that proves that I was paid 4 payments {$2000.00} and they are differently labeled to suggest one batch of 2 payments was a result of my phone call and the other the natural repayment of what I assume is a group of customers who had the same issue. Now, I had already told my bank not to permit Coinbase from withdrawing money from my account, which I was absolutely in the right to do as I was improperly charged three times, so instead of Coinbase just contacting me and asking me to deposit in the account, I lost half a bitcoin, which, as my asset, has cost me far more than {$2000.00}. While monetarily we are even now, the issue here, XXXX, is that due to this whole issue with Coinbase making a slew of errors, I have lose my bitcoin. What I have been fervently pushing, is permission to repurchase that exact amount of bitcoin for {$2000.00} cash, effectively renege that last transaction, since this was all a series of errors from Coinbase. I should be asking for additional compensation due to the slew of issues of time and absolute pain in the XXXX this was, but all I want to do is restore the status quo. 

Additionally, you may seen from my bank account that I work for XXXX, a leader in cyber security, so you can believe that there is nothing I take more seriously that the security of my money and my cyber-assets like bitcoin. My assets which have been violated 4 times now, 3 times with improper {$2000.00} chargers, as well as the 4th time in taking my asset which is far more valuable as an investment. 

I look forward to hearing from you to get this resolved- this has taken weeks to sort out and I hope that it can conclude soon. 

Thanks, XXXX
Product: Debt collection

Conns is reporting to my XXXX credit report that I have 2 accounts  showing as " FP '' these account are included in a bankruptcy and the status on my credit reports are incorrect.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I Noticed a fraudulent account on my report per following XXXX XXXX XX/XX/year> account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, Dept of EdXXXX Acct XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX, US Dept of Education Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX  XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXXXXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to get Equifax to merge my old credit report with my new XXXX since XX/XX/XXXX. I changed my full name as part of a divorce in XX/XX/XXXX, and they have refused to process my name change dispute several times this year for erroneous reasons ( " no ID provided '', even though my FL license and social security card are on the same page as my dispute letter ). I haven't been able to open any new credit accounts or loans for an entire year, entirely because they won't merge my old credit report ( under XXXX XXXX XXXX XXXX with my new legal name of XXXX XXXX XXXX. I have started the same saga with XXXX   more recently, and I'm sure XXXX  will be just as useless as Equifax and XXXX. I am desperate to get access to my credit again. Please help me force these companies to process my name change dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank has been disclosing negative nonpublic personal consumer information to nonaffiliated third party consumer reporting agencies. I did not consent to this and was never provided with the option to opt out of this nonaffiliated third party reporting which I, as a consumer, have a right to do per 15 USC 6802. As such, I am requesting Comenity Bank cease their reporting of account XXXX to all consumer reporting agencies to include XXXX, XXXX, and XXXX, and that the account is removed permanently from all of my consumer reports with all consumer reporting agencies.
Product: Credit card

On XXXX XXXX, 2016 CITIBANK STATED IN WRITING THAT I HAVE AN EXISTING CREDIT CARD ENDING IN XXXX FOR WHICH I FILED BANKRUPTCY OF WHICH IS FALSE, THEREFORE THEY REFUSE TO APPROVE ME OF A XXXX VISA CREDIT CARD. CITIBANK HAS FAILED TO PROVIDE PROOF THAT THIS CREDIT CARD EXISTS FOR WHICH I AM REQUESTING THATTHE BANK PROVIDE ME A COPY OF THE ACTUAL CARD AND ANY BANK STATEMENTS RELATED TO THIS ACCOUNT. 
IF CITIBANK CAN NOT PROVIDE ME THE PROOF I AM REQUESTING THEN THEY BASCIALLY LIED BY PROVIDING FALSE INFORMATION IN A WRITTEN LETTER THAT THEY SENT TO ME WHICH IS TOTALLY UNLAWFUL.
Product: Credit reporting or other personal consumer reports

I have a new Auto Loan Through XXXX for a XXXX  XXXX XXXX $ XXXX For which EQUIFAX is failing to report on. I have made XXXX payments so far ( see attached )
Product: Credit reporting or other personal consumer reports

I mailed certified letters addressing credit reports had a wrong social security and laws and statues for reporting under TILA. 

Ceritifed mail letter number XXXX XXXX Sent to XXXX XXXX at XXXX
Product: Money transfer, virtual currency, or money service

I did two transactions with XXXX and xoom for XXXX each, the first one went through, then the second one didn't, when I asked them why XXXX blamed it on xoom and xoom blamed it on my bank. The money is missing and they belittled me when I called them three times. I want my money and they won't answer me too where it is, and some transactions were wrong and they wouldn't listen too me, they repeated everything I said too them back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Santander Consumer USA and i tried to fix the issue and concerns i had on my consumer report. Santander Consumer USA never send me a 1099c to be able to file with my taxes as income and proceeded to continue to report Acct # XXXX This company violated me in so many ways it's not even funny. 15 US Code 1681 ( b ) Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. you have no permissible purpose by law to contact third parties with my private or personal information. 15 US Code 1681a speaks on a consumer right to privacy. Things that aren't supposed to be on a consumer report Information solely as to transaction or experiences between the consumer and the person making the report -Consumer- is an individual ( Me ) -Person- Any individual partnership, Corportation, government or governmental subdivision or agency, or other entity. 
Experiences & Transaction- Applying for a loan, credit cards, late payments, high utilization, charge off ( s ), collection accounts, Judgements, Repos, Bankruptcy. 
This company have continuously violated my right to privacy and said they can report anything they want. I've I didn't want to file the complaint because this a great company, but right is right and wrong is wrong and I'm not going to continue allowing this company to do me wrong. This problem has caused all kind of hardship in my life I'm already on XXXX XXXX XXXX XXXX  XXXX ) and this have caused me so much damage when it comes to my health and my personal private information just get reported because they want to, I have rights. I asked this company for Validation of this account so I could make sure that what they are saying is reported correctly and i told the company that I didn't want a E-Oscar Verification and that its unlawful for them to use information submitted by the furnisher of the account. That they are supposed to conduct personal interviews with family, neighbors, and loved ones. Not the information submitted by the furnisher. It's against the law. According to 15 US Code 1681 ( n ) Civil liability of willful noncompliance I'm entitled to compensation XXXX dollars or greater per violation. I think with this company and a lot of companies need to be able to know and understand the law before they can just go into business and think they can break and violate people 's rights. I asked the company for an SSA-3288 to show me that i gave your company actual permission to report to my credit every month. If this company could show me a contract or an agreement that i signed that they are going to report to my consumer report every month. Because a contract supposed to be with the original creditor and signed by all parties involved.
Product: Credit reporting or other personal consumer reports

These is my several endeavors to tell you that I am a XXXX XXXX XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Balance Owed : {$440.00}, XXXX XXXX XXXXXXXX Balance Owed : {$310.00}, XXXX XXXX XXXX XXXX XXXX Owed : {$0.00}, XXXX XXXXXXXX XXXX Balance Owed : {$440.00},
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
US DEPT ED XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in XX/XX/XXXX I made my final payment on my automobile loan. At that time, my FICO score according to TransUnion was XXXX. I am have not changed or closed any of my three credit cards that I currently have. All my balances are paid off immediately. I have no other late payments of any kind. Student loans have been paid off for over 3 years. Yet, over the past 9 months, by credit score has been steadily declining to the point of being XXXX. I have called TransUnion before, approximately 2-3 months ago. I basically was told to read the " factors affecting my score. '' The only two factors are, lack of recent installment loan information and length of time revolving accounts have been established. 

Like I stated above, I have made no changes to my credit cards over the past several years. The only change would therefore be " the lack of installment loan information. '' What information do they want?? I responsibly paid off my automobile loan and now I am paying the price by getting a significant drop in my credit score?? What options do I have? Do I need to finance another car or take out a student loan? Any insight would be greatly appreciated. Date of birth : XX/XX/XXXX
Product: Debt or credit management

I was supposed receive a check from XXXX XXXX XXXX  firm CFPB and i hav n't received it
Product: Debt collection

CREDIT COLLECTION SERVICE XXXX, MA XXXX Subject : Formal Dispute of Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the collections charge-off associated with my account, originally with XXXX XXXX, under account number XXXX, and currently reported by your company for the amount of {$470.00}. 

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ), I am requesting a full validation of this debt, including a detailed breakdown of charges, proof of my agreement to this debt, and verification that your company is authorized to collect on this account. Additionally, I invoke my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) to request the immediate removal of this item if it can not be properly validated. 

Please provide me with the following : - A copy of the original creditor agreement with my signature - A detailed account statement showing the legitimacy of the debt - Any records of payments or adjustments applied to this account If you are unable to provide sufficient documentation, I request that this account be removed from my credit report immediately. Any continued reporting of an unverified debt may constitute a violation of federal consumer protection laws. 

Please consider this letter a formal notice under my consumer rights. I request a written response within 30 days of receipt of this letter, as required by law. If no adequate response is received, I will not hesitate to escalate this matter to the appropriate regulatory agencies, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lates on my credit report from XXXX XX/XX/2016 my loan was deferred please remove it I paid my loan in good faith may god bless you please.

XXXX XXXX  I have 2 accounts that should be removed from my credit report
Product: Debt collection

I was contacted this morning by Eagle Recovery Associates and XXXX I believe her name is. Mentioned that, '' It does n't take a genus to figure out if I can buy a house I can pay off my debt. '' I never mentioned to them that I purchased my home literally 2 weeks before they contacted me. I am being harassed and the lady said she would press charges if I did not pay my account in Full. I was told that by a supervisor as well. I feel Harassed!
Product: Debt collection

Good morning, I had 2 accounts in collection which I paid in full and was told that they would be removed and I would receive a letter stating they are at XXXX balance and would be removed. As of today I had yet received a letter or the accounts removed. 
XX/XX/21 paid {$470.00} to Resurgent XX/XX/21 paid {$390.00} to Resurgent
Product: Debt collection

Hunter Warfield in XXXX, FL is attempting to collect a debt from me for a past lease break, for XXXX XXXX in XXXX XXXX, CA. I left within the terms of my lease break clause, I was never late on rent, and left no damages to the apartment, and was still charged, and my deposit was withheld. Hunter Warfield also flagged my credit as collections twice, within 30 days, for the same debt, which is illegal under Drews Law. You can only flag someones credit a single time for a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act this creditor has violated my rights. 
Under 15USC 1681 sec. 602 states i have the right to privacy.

Under 15USC 1681 604a sec 2 also states a consumer reporting agency can not furnish an account with my written instructions.

Under15USC 1666B a creditor may not treat a payment on an account under an open consumer credit plan late for any purpose.
Product: Credit reporting or other personal consumer reports

DELETE XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Mortgage

In XX/XX/XXXX, I knew that we were going to have trouble making payments in connection with the COVID19 Pandemic so I called to see what our options would be. The representative that I spoke with said that there were no options that she could discuss until we were actually behind on payments. I argued that I wanted to know what options were going to be available before we were late but she said she didn't even have access to that screen and couldn't transfer me to the right department until we had missed XXXX payments. Since that didn't apply to XXXX  ( we were still current ) I hung up XXXX. 

On our XX/XX/XXXX mortgage statement, the bottom stated that we may be eligible for COVID19 Assistance and to call to see if it was an option. I called the number listed around this time, and again I was told by the representative that nothing could be started until we had missed XXXX payments. At that time, we had made our XXXX payment. 

XXXX  in the XXXX, I saw an article from the CFPB that COVID19 forbearance was still an option and that I didn't need to wait until we were delinquent to explore those. I started the process on the mortgage company 's website and it looked like it was working- I was able to start the application for COVID19 assistance and enter the details of our temporary hardship but then the website started erroring out. I applied instead for other assistance options around XX/XX/XXXX via the website. I was assigned a case XXXX, XXXX XXXX I emailed with him on XX/XX/XXXX stating that I believed we qualified for the COVID19 forbearance. He told me via email that the COVID forbearance was retired on XX/XX/XXXX. He instead put in our application for standard income reduction forbearance. We were granted a XXXX forbearance starting XX/XX/XXXX. 

I researched extensively and couldn't find any XXXX confirmation that the XXXX assistance was discontinued. Per the CFPB website, it shows it's still an option and only FHA had discontinued the forbearance options. I also think it's highly suspect that it was " retired '' right before I applied for it. The COVID19 pandemic is still definitely happening ( cases are as high as ever ) and still impacting our income. 

We want to keep our home and have never been late or behind before. We have every intention of paying this back in a timely manner, but we do need assistance to get through this XXXX  time and believe we are well qualified for this COVID19 assistance.
Product: Mortgage

my contract expired XXXX XXXX, 2021. I have been trying to receive a new loan to date ( 15 months ). I have complied with all requirements and no decision has been rendered. I continue to respond to scheduled telephone calls and there is never any final decision. 
I was given a modification loan in XXXX and was told the signature of my XXXX  was needed. We are divorced and all paperwork is with PHH indicating she is not on the loan.

PHH reps is not communicating with me to give any updates. I continue to give them the necessary paperwork with no decisions rendered.
Product: Credit reporting or other personal consumer reports

As per the guidance, from the Consumer Financial Protection Bureau ( CFPB ) the docunent needed and a letter from an advocacy group heloing me due to XXXX XXXX debt Bondage, which falls under XXXX  according to XXXX-debt Final Rule 1002.142 ( b ) ( 4 ) -5 1002.142 ( b ) ( 7 ). I kindly request that you block this Information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt bondage and wiuld like forall listedaccounts to be blocked and deleted from Transunion. Please delte the following accounts. XXXX  bal. {$9100.00}, XXXX XXXX bal. {$8800.00}, XXXX XXXX bal. {$7200.00}, XXXX  XXXX bal. {$3300.00}, XXXX XXXX  bal. {$8300.00},
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and seen items that was reported incorrectly
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX account Account XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I looked at my Equifax Credit Report on XX/XX/year> and noticed some things are incomplete and not accurate according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to USC 1681 ( e ) ( b ) According to 15 USC 1681i they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information In general, after any reinvestigation under investigation under paragraph ( 1 ) of any information disputed.
Product: Credit card or prepaid card

I set up phone authorizations for XXXX per month for several months but paid the balance in full within a few weeks. Every month Synchrony bank continues to take XXXX from my checking account. This has continued despite repeated calls to the company, and even after closing the account in XXXX, they just took another XXXX from my account. Every month they have done this I have a XXXX  balance so they are taking money they are not entitled to and causing me financial hardship because I didn't budget for their unauthorized taking from my account. I was told at one point after a 2 hour call that it was my fault, they couldn't fix it, and they couldn't close my account. After I disputed it the first time, my credit line was cut from {$1500.00} to {$300.00} as you will see in the attachment.