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

I have an account with Coinbase Inc a crypto currency exchange company. I sold my crypto currency coins and converted to USD cash, the amount of the transaction came out to {$19000.00}. This money, my money, has been sitting in my account since XXXX I have asked Coinbase to transfer the total amount back into my checking account they have yet to do so despite my repeated requests to do do. Attached are several email responses from Coinbase to my requests to transfer my money ; Case # XXXX XXXX Hello XXXX, Thanks for contacting Coinbase Support. 

We've reviewed your Coinbase account and determined that you're no longer eligible to use the Coinbase platform. This includes purchasing cryptocurrency, depositing into Coinbase, sending cryptocurrency off of Coinbase, and linking new payment methods. 

You can sell any cryptocurrency you currently have on Coinbase, and once the funds are available, you XXXX withdraw them to your linked bank account. 

We're not able to provide you with any additional information at this time. 

Regards, Coinbase Support XXXX Hi XXXX, We've transferred your case to a specialist who will be able to further help with this issue. 

We currently have a high number of requests, but our team is working hard to quickly get to yours. We will contact you as soon as your case is reviewed. 

In the meantime, if you have any other questions, replying back to this email is the best way to get an update submitting another inquiry for this issue will cause further delays. 

Thanks in advance for your patience. 

Regards, Coinbase Support ref : XXXX : ref Previous to all of this I opened a case number with CFPB ( XXXX ) because Coinbase in early XXXX locked me completely out of my account for over 2 months. I could not log in, I could not talk to anyone there, I received no responses to my email request to allow me access to my account. They finally unlocked my account but told me I could no longer buy or sell crypto currency. At that point I sold my coins and now I'm being prevented from access to my cash. PLEASE PLEASE PLEASE help me this company is causing me to lose sleep and I'm getting ill over all of this.
Product: Debt or credit management

I had {$34000.00} payment due to XXXX XXXX for XXXX treatment and the following two credit cards from XXXXXXXX XXXX XXXX XXXX  XXXX {$4500.00} XXXX XXXXXXXX XXXX {$380.00} XXXX XXXX sent the folllowing email : XX/XX/2023 XXXX XXXX XXXX XXXX, We have reached an agreement to settle your account with XXXX XXXX. Please see the details about your settlement below. 

Balance : {$22000.00} Settlement Amount : {$11000.00} We hope this brightens your day and helps you feel closer to our collective goal of getting you debt free once and for all. 

We have been working hard to get you these great settlements. Please take a moment of your time to write a positive review about your experience with XXXX XXXX XXXX Click here to share your thoughts -- -- -- -- -- -- -- However, on XX/XX/XXXX, stating that they could not resolve the issue with XXXX XXXX because they were not notified that XXXX XXXX had filed a complaint with the XXXX XXXX XXXX XXXX and the court proceedings had ended. 

However, I copied them on an email that I had forwarded to their office on XX/XX/2023 - see below : XXXX XXXX XXXX XXXX XXXX, 2023, XXXX to XXXX XXXX didnt receive a phone call. I received a scanned photograph of a certified letter from XXXX  XXXX XXXX. I then checked the XXXX XXXX muni pile court website and found the information below. I have not reviewed the document because I inquired when I called your office earlier this week. I was told not to acknowledge or respond to XXXX XXXX. I then linked them to the XXXX XXXX XXXX website and provided the case number of XXXX. ( I was unable to provide a complete copy of the email here. 

After emailing them, they withdrew the document that they wanted me to sign that would relinquish them of any responsibility for the XXXX XXXX account. However, I have not heard from them again regarding the situation. They have emailed me regarding the {$570.00} payment that I am required to send them monthly and have consistently sent them since XXXX XXXX 2023. 

Your assistance is greatly appreciated. I am trying to payoff these debts and, with the help of my daughter, I have paid in a timely manner. However, I feel like XXXX  might have not thoroughly reviewed my emails.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found 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 reporting on my Credit Reports : XXXX-Balance {$380.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance {$3300.00} XXXXBalance {$4600.00}
Product: Payday loan, title loan, or personal loan

I made an uninformed decision when entered into this credit transaction on XX/XX/2022. This consumer credit transaction creates debt. I moved to Georgia and their limit for interest rates is 16 percent. The loan wasn't clear and conspicuous. There was no evidence of indebtedness unless agreed and I made an uninformed decision. I've paid almost {$2000.00} into this transaction and my balance isXXXX. I am the original creditor and consumer, not the customer or debtor. Again, I made an uninformed decision. All rights reserved without prejudice. 
The agreement is null and void. 

15 USC 1601 ( a ), 15 USC 1601 ( g ) ( 2 )
Product: Credit reporting or other personal consumer reports

AMERICAN EXPRESS FRAUDULENTLY LET SOMEONE STEAL MY IDENTITY AND OPEN AN ACCOUNT UNDER MY NAME WITHOUT MY KNOWLEDGE AND CONSENT
Product: Student loan

Aidvantage improperly processed my Income-Driven Repayment ( IDR ) request, causing my federal student loans to be placed in forbearance instead of a qualifying repayment plan. This has resulted in the loss of Public Service Loan Forgiveness ( PSLF ) credit, as confirmed by an Aidvantage representative in writing. 
XX/XX/year> : I submitted an IDR application, selecting the lowest available repayment plan to maintain PSLF eligibility. 
XX/XX/year> : Aidvantage sent a letter stating my request was not processed and placed my loans into forbearance. 
XX/XX/year> : I contacted Aidvantage via chat and was informed : My PSLF credit is not accruing due to this error. 
I must reapply instead of Aidvantage fixing the mistake internally, delaying PSLF further.

PSLF credit will not be backdated once the issue is resolved. 
XX/XX/year> : I filed a complaint with the Federal Student Aid Ombudsman ( Case # XXXX ), but Aidvantage has yet to provide a solution.

Issues 1. Aidvantage mishandled my IDR request, placing my loans into forbearance instead of an IDR plan.

2. I am losing PSLF credit monthly, with no resolution or backdating offered.

3. Aidvantage refuses to correct their mistake, forcing me to reapply and restart the process.

Resolution Requested 1. Immediate processing of my original IDR request so PSLF credit resumes accruing. 
2. Backdating of PSLF credit to cover the months lost due to Aidvantages error.

3. Formal written confirmation from the Department of Education ensuring my PSLF eligibility is not negatively impacted.

This mishandling is actively delaying my loan forgiveness. I request the CFPBs intervention to hold Aidvantage accountable and ensure this is corrected without further delay.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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 I seek appropriate redress for these violations.
Product: Debt collection

ic systems contacted my about a debt from XXXX, the dates were long after we had switched, so I asked for the original bill to verify, which lead to them threating me about reporting on my credit. I responded in writing asking for verification, if I owe it I will pay it but the dates do n't make sense. But they have not responded to my letter and reported on my credit. I really do n't know what to do. Its not a lot of money but I am not sure its right. Thanks for you help
Product: Checking or savings account

We are XXXX citizens living in XXXX. Wells Fargo is closing our bank account with them in their DC branch because we do not have a XXXX address. This is due to the US Patriot Act. That Act does not stop any XXXX bank from having a non XXXX address. It is because of the extra cost of Patriot Act due diligence that Wells and increasingly other XXXX banks are denying bank access to XXXX citizens and taxpayers that live abroad.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Accounts name : XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX XXXX XXXXXXXX. BALANCE {$11000.00} XXXX XXXX XXXX XXXX XXXXXXXX. BALANCE {$4900.00} XXXX XXXX XXXX XXXXXXXX # XXXX BALANCE {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXX # XXXX. BALANCE {$16000.00} XXXX XXXX XXXX XXXX XXXX  XXXX. BALANCE {$15000.00} XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the THIRD time I have tried to fix this issue with Transunion, there is a fraudulent account with XXXX XXXX XXXX that all the other credit agencys deleted. 

This Data furnisher has been in violation of the FCRA 2009 ( a ) which states a Data furnisher MUST delete an account that has been reported to authorities and has proper identification to prove it ( which I have provided numerous times ) WITHIN 4 BUISNESS DAYS, ITS BEEN 3 MONTHS. 
I have reported the data furnisher to the Attorney Generals office - XXXX XXXX due to Transunion negligence. They are in violation of the Fair credit report act 2009 ( a ), which is a FEDERAL LAW.

FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. "
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent experian multiple fraud ftc id theft reports and a police report to remove negative items off of my credit report. i have been the victim of fraud and id theft. i wanted them to remove all XXXX accounts, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX accounts and they did not remove all of them. XXXX and XXXX have already done so. i need for experian to do the same because i am trying to purchase a home so that i do not become homeless in the process as i am a XXXX veteran
Product: Credit card or prepaid card

On XX/XX/XXXX I reported fraudulent activity to Barclay 's fraud department for the following : 2 charges at different XXXX stores on XX/XX/XXXX for a total of {$220.00} 1 charge at XXXX XXXX on XX/XX/XXXX for {$110.00} 4 charges at different XXXX  stores on XX/XX/XXXX for a total of {$440.00} They sent a letter on XX/XX/XXXX stating they investigated and XXXX to be valid and removing credit from my account. 
They sent a letter on XX/XX/XXXX stating that investigation is completed and I am not responsible for fraudulent activity. No amount was given. The credit for XXXX remains on my account but when I called to ask for the remainder to be credited ( {$550.00} ) they stated the investigation had been closed and merchant proved they were valid. How did they determine only two of the 6 charges at XXXX are fraud while the other 4 and 1 at XXXX XXXX ( all in different cities ) were valid? I want the full amount credited because it is obvious I could not have made the charges ( other valid charges on the same day had me and my card which was in my possession located in a different city ). Please help me resolve this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ;
Product: Debt collection

Date opened XX/XX/2023 Amount owed : {$600.00}. I am not liable for this debt with XXXX XXXX XXXXXXXX XXXX.I do not have a contact with Lockhart, Morris, and Montgomery
Product: Checking or savings account

On XX/XX/24 my account started having an error stating We're experiencing some downtime and balances may be outdated. Check back soon! Note : you can still use your debit card and ATMs upon contacting credit karma they state I need to just log out and log back in after XXXX minutes its a system error and will resolve itself. Well XXXX hours later its still not resolved. I have XXXX answers why and keep being told someone will eventually email me from their escalated department leaving me and my XXXX kids stranded in XXXX XXXX  with XXXX access to my money ruining our vacation. Its now XXXX on XX/XX/24 and they keep hanging up on me if I call, refusing to allow me to speak to a supervisor, and not remedying the issue at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/18 ), XXXX, Experian, XXXX  have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.
Product: Checking or savings account

On XXXX XXXX at XXXX am I received a deposit amount of XXXX to my cash app account I was notified by texted and emailed which I sent them proof threw email and the app were they on only chat. Which I didn't get any response until XXXX am from an advocate that explains their procedure of direct deposit in stating that they didn't see the transaction with the sender they told me to provide the transaction ID or a screenshot of the payment and they will look into it after sending the screenshot The advocate respond with the timing of your deposit depends on when the depositor submitted basically their procedure again wow this the second time I got played by cash app I wasn't able to get an cash card for almost 2 months now and all they have to say its for the security reasons on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 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 ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 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 ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 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 ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX
Product: Debt collection

Doctor performed and billed me for unnapproved and unwanted lab work after I was told by him basic lab work would be done at a cost of XXXX dollars. I did not approve any of the lab work I was charged for. I was told only basic labs were being done and told the cost would be XXXX dollars. I was then billed for XXXX dollars.
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing these accounts. I've contacted the companies, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the accounts. However, Equifax seems to be presenting obstacles, claiming I haven't completed all the necessary steps. I called them about 3 months and they said to remove the accounts but up until now, the accounts are still reporting under their bureau. It appears Equifax is failing to fulfill its legal obligation to process the identity theft report eventough the companies already removed the accounts from the other bureaus. 

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

XXXX and Transunion are reporting incorrectly that I am 90 plus days past due on XXXX XXXX XXXX Accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4 and 5 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these companies to inform them that there are unauthorized inquiries on my Credit Report and they have not removed them Inquiries XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was charged a overdraft fee and I didnt even have any money in my account.