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

Coinbase wallet problem I'm Facing this issue from XX/XX/2019 they locked my Coinbase wallet account for no reason I'm Coinbase user from 4+ years till now I didn't get any problem with them but on XX/XX/XXXX they temporary block my Coinbase Account & telling me contact Coinbase support there support is not replying at all I have send several emails just got automatic reply no reply by there employee & company here is company website https : //www.coinbase.com I have my funds in Account but they BLOCK my account on XX/XX/2019 for no reason also support not replying me I have tag them on XXXX  XXXX  By email no response calling number not responding I tried to call all of them are busy not answering call just computer running please I want to get my account unblock asap as they block my account for no reason I have around {$2600.00} in Coinbase & that amount stuck now my account is disabled This is the error I getting Everytime wen I try to login into my account Coinbase sorry Account temporary disabled please contact support Case number - # XXXX that I got from there email complaint which I raise with Coinbase I don't get reply for that for an unknown reason my account was just disabled. 
I also read there support questions on there website what Todo if u showing error that ur Account was temporary disabled please contact support in answer I get Just change ur password of ur Coinbase Account & contact us by email i have done that both I changed. My password & contact Coinbase support via email XXXX  XXXX  by call no response I get from them My registered email ID with Coinbase Account - XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion : 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  : They were the first ones that we filed suit against and won and they have completely wiped out my credit report instead of putting what was approved by them and myself on my reports. They have taking all of my positive things off and wiped it out. I have the lawsuit paperwork and the credit report that was corrected for proof. 



XXXX, XXXX XXXX XXXX XXXX XXXX XXXX was sued and we won and that is not suppose to be on my credit file XXXX XXXX XXXX XXXX XXXX is not suppose to be on my report at all. XXXXXXXX XXXX I filed suit and won and it is still showing on my report 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 XXXXXX/XX/year> I have filed suit and won against all three credit bureaus and they still are not corrected and holding all of the above on my credit reports, most of the creditors as well were sued and lost against me and agreed to have all removed. This has been well over a year ago and nothing has yet to be done. All companies are in breach of contract/ and I will take all back to court
Product: Checking or savings account

I have opened an International Bank account with " Northern Trust Financial Private Bank, Branch in India ( Account No. XXXX ) as I needed to receive funds from a USA based Company against the products supplied by me/my company. 
It was fine I have opened the bank account and thereafter the Bank insisted me to pay the following fee, towards transfer of funds from the account to my local bank in India : - i ) For opening the Bank account I paid $ XXXX XXXX ) For want of RTN Code I paid XXXX XXXX XXXX  ) for want of Conversion I paid XXXX XXXXXXXX TOTAL I paid $ XXXX XXXX paid all the amount {$18000.00} equal to Indian Rupees XXXX LAKHS XXXX XXXX XXXX only to have access to transfer the funds from my this account to the local bank account in India. But now again I have been asked by the Bank to pay a fee of {$3500.00} so that I will be provided with COT Code to transfer funds. 
As it can be seen above, I have already spent around XXXX LAKHS only for the sake of getting permissions to transfer my funds to my own account in India and NOW I DO NOT HAVE MONEY TO PAY {$3500.00} for the same purpose for which I already have paid almost XXXX LAKH INDIAN RUPEES. 
Hence, having sufficient balance in my newly opened International Bank account, as sole owner of the Bank account XXXX in the International Bank , I authorized the Bank to deduct the Local Bank Transfer Charges of {$3500.00} from my bank account and I requested them to provide me the COT Code so that I can make Local bank Transfer. 
But the Bank did not allow me and they are repeatedly insisting me to deposit {$3500.00} to get the COT Code, whereas I am expressing to them my inability to arrange the amount as I have already expended XXXX LAKH RUPEES and also I kept submitting that I have sufficient balance in the said International Bank account.

Till date i.e even after elapse of more than one month from the date of opening the account I have not been provided access to my own account and they are every time asking me to deposit huge amounts to get an access to my own account. So far I have for this purpose paid to the bank {$18000.00} USD equal to Indian Rupees XXXX  Lakhs and even then the Bank is not satisfied and still they are demanding for more money to be paid to allow me to access my own account. 
I have also requested the same through emails to the Bank for help but they are not responding. 
Please enquire into this and do the justice to me whether this much amount shall be the charge that any bank impose on any customer to get access to own accounts. 
Thanks and regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDIT AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Product: Debt collection

For the last two years XXXX XXXX has tried to charge me for goods I did not order. XXXX sold the bad account to Midland Credit. the Manager of the company stated that I owe XXXX. The rep got up set because I told him that I have a XXXX account and it is active with a balance of XXXX. 

I told him the account he was speaking on was not mind. the manager then told me while he was mad at me that I was a fraud and he was going to report me and put it on my credit report. in addition he stated I'm going to have you investigated right away and sue you after he took it off recording. While off being recorded he said I will pay for this and i wouldn't hear from him anymore. I asked him prove I had or owned this account. 

on XX/XX/2022 I received a XXXX letter from that manager threating me that he was going to get a lawyer and sue me. I have proved several times and have provided my XXXX XXXXt open account number of my real account. but they keep putting this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX {$1800.00} Open balance, 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: Debt collection

The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is trying to collect the debt and the debt is also being reported as a medical debt in violation of the Health Insurance Portability and Accountability Act ( HIPPA ) and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) ( HIPPA ) agreement with the original terms who the doctor was, what services performed, time of allege service dates, what the diagnosis if any was and stating that I gave them permission to report this debt to the credit bureaus in violation of my privacy rights and how long the ( HIPPA ) agreement if any stays if effect. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof that the ( HIPPA ) agreement if any allows them to collect and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not remove from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Balance {$0.00} ; XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report to find that XXXX XXXX XXXX is reporting my account as 30 days past due one time. I do n't ever recall being past due on this account and I find it quite odd that 1 )  it has n't been updated since XX/XX/XXXX and 2 ) they fail to indicate on the report when ( what month and year ) I was allegedly " past due. '' When I wrote to them in XX/XX/XXXX, their response was that " there was no payment record error made and the delinquency that appears on the file is valid. '' I do not agree with this. They fail to indicate when ( if at all ) I was past due and refuse to remove it. I specifically request verifiable proof from XXXX XXXX XXXX to confirm the accuracy and validity of said reporting and if they can not comply within 15 days, which is plenty of time to satisfy my request, I request that the derogatory remarks of " Past due, 30 days '' be removed from the reporting of this account from all three major credit bureaus, XXXX, XXXX and TransUnion.
Product: Debt collection

Caller calls every single day XXXX to XXXX times a day.
Product: Credit reporting or other personal consumer reports

i my recent complaint i requested information that i did not receive. In accordance with 15 U.S.C. 1692g, I AM REQUESTING a detailed list of the history of payments Ive made on this account. I also want to witness the signature that Ive signed on the official contract documents guaranteeing that I would pay this creditor or your agency. I am also requesting proof that there has been any insurance claims found on this debt. Also, i am requesting proof that you have the chain of title to collect on this debt. 

Please send me ONLY the documentation i have requested and nothing more. If you can not provide me with such documents PLEASE REMOVE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT or a small claims lawsuit will be filled for violating my consumer rights, federal laws and also the FCRA.
Product: Money transfer, virtual currency, or money service

My wife and I were trying to adopt a puppy, as most people are in these times of quarantine. We came in contact with a website, XXXX and it turned out to be a scam that we forked out {$500.00} on XX/XX/2020 through XXXX to find out. My wife and I had contacted Bank of America to see if funds can be reversed, canceled ( when it was pending ), or at least flag the receiving account as fraudulent or a scam. Nothing was done. After reporting to numerous websites such as website domains, FTC, XXXX, XXXX, and a slew of other websites to warn of the scam, we turned to here since getting out money back or having the transaction was too much for the bank.
Product: Mortgage

My wife and I recently went through XXXX to get our loan servicer, Loancare llc, to cancel our PMI. 

We submitted a written request for cancellation XX/XX/XXXX via email. An automated email response was sent informing us our request was received and we would be contacted by an representative within 5 business days. We did not hear from anyone until we received a letter in XXXX again acknowledging our cancellation request. The letter explained the requirements to qualify for PMI cancellation, which included a new appraisal at a cost of {$420.00}. We sent a check for {$420.00} shortly after, having still not heard from a representative. 

We finally received a call from loancare rep XXXX XXXX on or about XX/XX/XXXX, nearly 4 months after our request was submitted. XXXX asked for a non detailed list of property improvements and estimate of money spent. The list and estimate was provided XX/XX/XXXX. The rep responded XX/XX/XXXX stating that the quality of improvements was not enough to increase property value and our request was denied. 

Our response was incredulous. We knew this was incorrect based on the letter they sent in XXXX. It stated the requirements for cancellation and the property improvements and value added are to be evaluated by an appraisal. The loan servicer has no say in whether improvements are can raise property value enough to reach LTV threshold. That is the point of the appraisal. 

After we pointed out that her denial was inappropriate and wrong, XXXX went on to completely misrepresented the rules laid out in the XXXX XXXX Servicing Guide and  eventually passed us on to her supervisor, XXXX XXXX. 

We had a principal balance of {$230000.00} and needed a new appraisal value of {$310000.00}. So we needed an increased property value of {$64000.00}. XXXX picked up right where XXXX left off and claimed the entire increase in value must come solely from money spent on improvements and not from market increases. XXXX repeatedly, and incorrectly, referenced Part B-8.1-04 : Termination of Conventional Mortgage Insurance of the XXXX XXXX  Servicing Guide . When we made it clear we knew she was lying and we were not going to be misled she stopped communicating. She did not respond to emails from XX/XX/XXXX to XX/XX/XXXX. We repeated our demand for the appraisal on XX/XX/XXXX. She finally agreed to order our appraisal on XX/XX/XXXX but continued to claim it would be denied. 

Our appraisal was completed and the report came back XX/XX/XXXX. It appraised for {$340000.00} and our PMI was cancelled immediately, thus proving they had been lying the entire time. 

They lied and delayed our appraisal hoping we would give up. They used unethical and fraudulent tactics to delay the process for 10 months when it should have taken one. This  cost us $ XXXX/month in PMI premiums for 10 months. Thats {$3000.00} that we should not have had to pay and we should be reimbursed every dollar.
Product: Mortgage

im in my last six mouth redemption period. but hers my question last XXXX we applied for the mi half and i found out about that program throw my mortgage company carrington. i made them aware that i did apply for the grant and we had a very good shot at it because my wife lost her job due to covid. every month i called carrington then i called mi half XXXX came around and mi half said we got everything in but they where backed up snd still waiting for someone to look it over. i called carrington and told them they said my house was set for the sheriff sale XXXX XXXX of last year : i tried to get it stoped but XX/XX/XXXX came and they did it anyways. i fill i lost my home directly due to my mi half. the bank told me all mi half would of done was to contact them to tell them i was working with them. I had other options I couldnt get a loan modification but I couldnt do that because I was waiting on an answer from mi half and now because of them the bank is blaming it all on mi half they said the sheriff sale would been stop if mi half wouldve done your job and contacted my mortgage company. mi half contacted them XX/XX/XXXX and carrionton refused payment. My mortgage company told me that they dont care what I tell them they wanted to hear from the organization mi half and I am under the understanding that they are supposed to contact the mortgage company to tell them that theyre working with the them. I am sitting here with one month left and because of this I lost my house. thats my story. My question is, is there anything I can do? I am told that under Sercombe circumstances that that can be reversed. I think Im should be one of the circumstances. my DHS  caseworker told me that there must be something that can be done because thats not fair. i will lose my hind because of this issue. ive contact everyone i can mortgage company mi half everyone point the figer at each other but at the end of the day im going to loss my home of 15 years because of two places that cant communicate. please help. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchase a flight ticket on XX/XX/XXXX for a flight going to XXXX on XX/XX/XXXX. The amount if {$720.00}. The merchant 's name is XXXX XXXX and they are based in the XXXX. I tried to cancel the flight on XX/XX/XXXX because of COVID and because the merchant already sent an email stating hat all international and domestic flights are cancelled, however, I was not able to get a hold of the merchant because of high call volume so I called my credit card company Chase to resolve the billing dispute for me. They said they were able to get in touch with the merchant and based on the merchant 's terms and conditions, I am not eligible for a refund or flight cancellation, Chase said that I am responsible to pay for the charge so I said okay I'll just go ahead and take the flight then. On XX/XX/XXXX, I received an email from the merchant stating that they are cancelling the flight and I can file for a refund but it will take 4 billing cycles to get processed. I called my credit card company again Chase to reopen the billing dispute. The agent I spoke with said that I can redispute the transaction based on the fact that the merchant is no longer able to provide the service. I sent a letter via snail mail to redispute the charge. On XX/XX/XXXX, I received another letter again from Chase stating that the charge is valid without any explanation. I called them and spoke to a supervisor and was told that because I originally initiated the cancellation, I am no longer entitled for a refund even though I haven't really spoke with the merchant and there was no confirmation of the cancellation from me. I believe I am still entitled for a chargeback based on the Fair Credit Billing Act in which services were not provided and I don't believe my case was treated fairly by my bank.
Product: Credit card or prepaid card

I reviewed my credit card statement. I noticed on XX/XX/XXXX that there was an unauthorized transaction of {$110.00} posted. I called the fraud department and requested that I start a dispute of the transaction but I don't have any knowledge of the transaction. The transaction is fraudulent. I called and turned in a document that states I didn't do the transaction and I had to request to get a new credit card. Every time I call to get more information about the transaction dispute. I'm getting misinformation and not able to rectify the transaction
Product: Credit reporting or other personal consumer reports

i sent my 2nd letter to the cra 's on XXXX about the inaccurate and incomplete information they are reporting on my consumer report. they are in violation of 15 usc 1681s-2b for not deleting the inaccurate information from my credit report.Also, 15 usc 1681eb for not providing maximum accuracy of reporting information.

i am requesting that the information be deleted from my credit report and that Equifax give me a score and stop hiding it from me
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having suficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL OF MY CREDIT REPORTS HAVE NOT BEEN UPDATED AS OF XX/XX/XXXX MY CREDIT SCORE IS REFLECTED BY NOT REMOVING PAST ACCOUNTS I HAVE PAID DOWN DEPT AND IT IS NOT REMOVED FROM MY CREDIT REPORTS I AM TRYING TO GET OFF OF A ADJUSTABLE MORTGAGE BUT KEEP GETTING TURNED DOWN BECAUSE OF A LOW CREDIT SCORE.

IN XXXX I SUBMITTED A COMPLAINT TO THE CFPD AND IT WAS INVOLVING ANOTHER MEMBER OF MY FAMILY AND THE THE TRACES OF THAT COMPLAINT HAVE BEEN CLOSED BUT TRACES OF THOSE ACCOUNTS STILL ARE ON MY CREDIT REPORTS.
Product: Vehicle loan or lease

WESTLAKE PORTFOLIO MANAGEMENT company took over us auto sales accounts. They did not notify us auto sales customers prior to the account change. I called XX/XX/XXXX to make a payment thats when I discovered my vehicle was now being managed by Westlake portfolio. I spoke with a representative and they tried to assist with making my payment over the phone. They were unsuccessful. I then received a letter in the mail with the wrong state and zip code. I called Westlake portfolio again and asked them to update my billing information because they had the wrong one on file. I also asked for them to set up a payment arrangement because I recently moved out of states and was not working at the time. They refused which later resulted in them repossessing the vehicle. When I went to pick up my belongings out of the car several things were missing