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

On the morning of XX/XX/2022, a third party gained unauthorized access to my Coinbase account. Despite having, by the website 's own definition, extra strong security options chosen for Multi-Factor Authentication options, Coinbase did not ask for the secondary authentication via temporary app code. 
Using this access, the third party proceeded to make several transactions converting virtual currency into US Dollars, which were then instantly sent via bank transfer to a bank account that had never been associated with my account before. The site ( supposedly ) forces a wait time of 3 days for Crypto addresses being added to an account, but allowed this new bank account to be instantly added and transferred to without verification. 
I was made aware of this breach within the hour and locked my account, notifying Coinbase of the breach at the same time. It took them 2 weeks to respond, claiming they locked my account ( which I had already done ). It took some time to restore my account access, and the communication with their support takes days to weeks in between emails and the responses seem to be form letters instead of specific to what I've asked for. 

They seem to be in violation of Federal Regulation E in their lack of responsiveness, and refusal to do anything about the unauthorized bank transfer that they processed. As far as I'm aware, I'm supposed to be protected from unauthorized ACH bank transfers. 

Whenever I bring it up, their " support '' emails only mention the immutability of crypto transactions, and refuse to address that they moved US dollars via INSTANT ( which the third party paid more of my money for ) bank transfer. On top of the transaction fee of {$440.00} to process the sale of my digital currency, and the {$0.00} instant bank transfer fees, XXXX Coinbase made money off this theft. All told I'm out, {$25000.00}. Plus any fees it would take to regain my original assets ( which have now gone up in value while I've been out of the market ). 

They refuse to provide me with the full bank account number the stolen funds were sent to : All I can see from the XXXX is XXXX XXXX XXXX  XXXX. I have submitted what data I could to the FBI cyber crimes division. 

The following transactions and times : {$4900.00} XX/XX/2022 XXXX XXXX  {$4900.00} XX/XX/2022 XXXX XXXX  {$4900.00} XX/XX/2022 XXXX XXXX  {$4900.00} XX/XX/2022 XXXX XXXX  {$4900.00} XX/XX/2022 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EOS CCA - # XXXX : I do not owe this debt. I have always paid my bills on time & never received any notice that I owed this. This is in violation of my 30 day right to dispute. This needs to be removed from my credit file as I was never notified about this debt.
Product: Student loan

I am {$30000.00} in student loan debt because I am the last of XXXX children who all went to college. My brothers had to take out student loans for their education and used my parents as co-signors. When my turn came, I was forced to use XXXX loans. Apparently they will not budge about deferment for XXXX XXXX or even helping with repayments, such as lowering payments since I will have a {$0.00} income for the next TWO years! They are not willing to work with me at all even though the early communications I had with " loan counselors '' assured me I would receive a deferment/forbearance. They are n't all on the same page and it is frustrating that I am now one month from departure and have no idea what to do. My monthly allowance from the XXXX XXXX will not cover each month 's payment.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b - Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
15 U.S. Code 1681a ( 2 ) i ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6802b ( 1 ) ( b ) - Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 



I want my late payments to be updated and removed on my credit report across all 3 Bureaus. Here is the account below XXXX XXXX  Account number XXXX
Product: Debt collection

TransUnion received my dispute letter on XX/XX/year>, requesting corrections to my credit report. They were required by law to respond within 30 days, which expired on XX/XX/year>. I sent a 15-day follow-up on XX/XX/year>, and a final demand on XX/XX/year>, yet TransUnion failed to respond . Additionally, they repeatedly sent correspondence to an incorrect address despite clear instructions to send all communications via certified mail to my correct address. This negligent handling of my personal information has caused severe XXXX  and risk of identity theft, violating my rights under the FCRA.
Product: Debt collection

I do not understand. I was forced to go to the hospital against my will and was billed for being brought to the emergency room. From there I get a call from the hospital saying I was going to be sent to collections if I did not pay. I gave the lady my insurance information and she said " thank you very much! We will take care of it from here '' Few months later and here we are and I am being sent to collections and it was already settled. Never reached out to me again. If it wasn't for XXXX XXXX I would not even know I was sent to collections.
Product: Checking or savings account

Chime closed my account but I did not receive a full refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/XXXX, Chase Bank starting making hard inquiries on my credit report and has continued to do so at least once a month thereafter. I have disputed this with XXXX and XXXX, but the results came back verified. After talking to Chase twice, they said they would remove the inquiries, but to no avail. They are still placing inquiries on my credit report, even after I placed a fraud alert on all 3 bureaus. Following is the list of inquiries : XX/XX/XXXX CHASE CARD PXXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern : I hope this email reaches you in good health and spirits. Back on Friday, XX/XX/XXXX, I received a FICO monitoring alert via my FICO monitoring subscription that a collection account had been reported to 2 of my credit reports. After investigating this unknown account further and gathering documentation and details, I was able to submit this information to XXXX XXXX XXXX XXXX ( the original creditor ) who apologized for this mishap and withdrew the account from XXXX XXXX XXXX ( XXXX ) .Once the account was withdrawn, I reached out directly to XXXX to ensure this information was deleted from my credit reports. XXXX XXXX was deleted w/o issue ; however, Equifax to date, still has not removed this account. I disputed this account 3 times ( XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) with Equifax, in which they came back stating that the information reporting is accurate. Again, I reached out to XXXX who indicated that they received the dispute from Equifax ( electronically ) and replied instructing them to delete the account each time. However, Equifax continues to report the investigation results of the information reporting is verified and accurate. So it appears that XXXX is blaming Equifax and Equifax is blaming XXXX. So I submitted another dispute to Equifax, this time including the documentation stating that the account was withdrawn. I even sent the email correspondence between myself and the Deputy Director of Administration which clearly states that they have instructed that this be removed. For whatever reason, Equifax continues to report this account as being valid. I have attached all of the same documentation that I submitted to Equifax. I feel that Equifax is again, engaging in illegal and unethical practices. As a financially responsible consumer with a spotless credit history, this is mistake is costing me. I am set to apply for a mortgage in the next few weeks, and this is detrimental to this process and will cause extreme delay. I have done everything right, and yet, I am the only one being impacted. No matter how many times I talk to Equifax, they send me to inviduals in another country that reads from scripts. I asked them if they even read the documentation, they stated they dont have access to look at that information. I then asked to be transferred to a US based rep whom also told me the same thing. They also stated that they had not received any delete requests which I find odd in that I had no issues with XXXX. The US based representative indicated that I need to talk to their business office and provided me with the number. However, when I called, they stated they do not talk to consumers or handle consumer personal credit files. I am truly at a lost here and am not sure what I need to do. As a result, I am reaching out to your organization for assistance.
Product: Debt collection

THIS WAS FRAUD, SOMEONE MUST HAVE USE MY NAME FOR XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX/201 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} ; XXXXXXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXXXXXX Balance : {$340.00} ; XXXX XXXX  XXXX Balance : {$8.00} ; XXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXXXXXX XXXX XXXX Balance : {$20.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$11.00}.
Product: Credit reporting or other personal consumer reports

I am surprised to see my credit scored decreased for an account I did not open as reported by XXXX XXXX.here is the report on XXXX XXXX  below Account Opened New XXXXXXXX XXXX XXXX XXXX account detected Between XX/XX/XXXX and XX/XX/XXXX, your account with XXXXXXXX XXXX XXXX  XXXX was added to your report. This account was opened on XX/XX/XXXX. 

Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. But with on-time payments and responsible use, your score may actually increase over time.
Product: Debt or credit management

I have been contracted with Beyond Finance ( statement says fees paid to XXXX ) since about XXXX XXXX  to settle my debts of about $ XXXX. I have paid $ XXXX They have only settled XXXX credit card for a small amount of about {$600.00} and paid {$700.00} on another card with a remaining balance of {$2800.00}. ( Only $ XXXX ) and charging almost $ XXXX to Avant ON TOP of the Byond Finance settlement fees.

This seems like a lot of money to pay them with very little resolution to my debts. When I have tried to talk with them, it sounds like they say I am not paying enough to settle my debts, but the amounts withdrawn for fees is a lot!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I WOULD LIKE A SECURITY FREEZE ON MY FILES WITH ALL THE CREDIT BUREAUS TRANS UNION XXXX XXXX XXXX, XXXX I WOULD LIKE A PIN NUMBER TO ACCESS MY FILE AS SOON A POSSIBLE.
Product: Mortgage

On or within a couple of days of XX/XX/XXXX, I submitted a request for PMI cancellation to XXXX. I provided an appraisal completed through XXXX. I received the required confirmation that they received my request. I have since heard nothing. I attempted to chat with the company on XX/XX/XXXX. I chatted with XXXX XXXX around XXXX XXXX. XXXX was unable to provide me any additional information. At first I was told they would raise the PMI cancellation request for me. I told them I had already raised. They told me I needed to submit a BPO form and fee. I was never asked to provide that in connection with this cancellation request. I provided an appraisal. XXXX was then able to see I submitted the appraisal and said they would request cancellation. I said I already submitted for cancellation and was requesting to know the timeline for processing the request. They said to allow for XXXX days. It's been well beyond XXXX days. I've asked additional details and XXXX could provide no additional details other than to wait for someone to email me when it had been processed. I do understand they need time to review the documents, but I should be able to ask their company about a timeline of completion of the review and receive an answer. To delay processing because they are behind is a XXXX violation. To not be able to answer my questions about timeline of processing is not only ridiculous, but I'd argue it is also a XXXX violation. I asked XXXX to officially log a complaint and they abruptly ended the chat while I was typing stating they were ending it due to no response. I was literally responding and responding timely when they ended the chat abruptly. All I am asking is status of processing my request. If the request is going to be honored, I need to understand when PMI will be removed and should not have to pay PMI for XXXX if there is a delay due to XXXX 's understaffing. If the request is not going to be honored, then I need to understand why.
Product: Credit reporting or other personal consumer reports

I am writing to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 
I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. Complete payment history, as per the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

2. Date of Last Activity.

3. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

4. Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between the company and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay that company.

5. Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt.

6. Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with the client that grants the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - information relating to the purchase of a bad debt is not proprietary or burdensome.

7. Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. ) I must emphasize that, under FDCPA Section 809 ( b ), collection activity is prohibited until the debt is duly validated. The court ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  confirms that reporting a collection account constitutes collection activity. Please be aware that this is not a request for partial validation ; rather, it is a demand for all the listed information to constitute full and sufficient validation of this debt. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 or other personal consumer reports

I am reaching out to address a critical matter concerning XXXX XXXX XXXX inaccurate reporting on my consumer report, disseminated by Experian, XXXX, and XXXX which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2. 
The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations. 
I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of Charge Offs across all three credit reporting agencies by XXXX XXXX is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " 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. '' The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. It has damaged my livelihood. 
In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 
Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file I notice XXXX accounts that are the same account being reported on my credit file. Under the FCRA, it 's not illegal for birth to be reporting but under the law they both can not be reporting a balance. I have disputed this information several times and the credit bureau continues to state this information is correct. Under the FCRA sec 623 this is an illegal practice and they should know this can not be done. Reporting both items with a balance has help destroy my credit worthiness and it 's a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax claimed to have verified a fraudulent account due to me being a victim of identity theft. I would like to know how and when and what method was used to verify a fraudulent account that I had nothing to do with
Product: Debt collection

There are 2 collections on my credit report from Portfolio Recovery that i've tried to dispute with this company several times this year because the accounts are not mine. After numerous attempts the company itself said that they verified that the debt was mine even though they did not show me any document bearing my legal signature on the document. So instead of trying to dispute the collections again I sent a settlement letter trying to have the collections removed from my credit in exchange for paying a portion of the debt owed. I sent the letters out of XX/XX/21 and received a generic response letter that stated the same thing this company has been telling me all year. It had a copy of a statement and a list of charges that they claim I made. The letter had zero reference or mention of my attempt to settle the debt and had no follow up to my request whatsoever.