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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Coinbase regarding the unjustified review and ongoing suspension of my account. The situation has caused significant inconvenience and frustration, and I feel compelled to seek assistance to resolve the matter. 

Unwarranted Account XXXX : Coinbase initiated an account review based on what appears to be a mere similarity between my name and another individuals. My name is XXXX XXXX, while the individual in question is named XXXX XXXX. We do not share the same name, yet Coinbase has decided to scrutinize my account based on this tenuous link, which I find to be entirely unjustified. 

Lack of Follow-Up After Identity Verification : Following Coinbases request, I provided all required identity verification documentation promptly and in full compliance with their procedures. Despite this, my account remains inaccessible, and each time I attempt to log in, I am met with a message instructing me to wait " a few days. '' This indefinite delay, with no further updates or communication from Coinbase, is both unreasonable and unacceptable. 

Inaccessible Customer Support : I have made repeated attempts to contact Coinbases customer support via phone to resolve this issue. Each time, my calls have gone unanswered, leaving me without any means to address the situation directly. The lack of responsive customer service has only exacerbated the problem and left me feeling ignored and powerless. 

I am deeply disappointed by Coinbase 's handling of this matter and their failure to provide adequate communication or resolution. This experience has caused undue stress and inconvenience, and I believe it warrants immediate investigation and intervention. 

I respectfully request CFPB 's assistance in addressing this issue with Coinbase and ensuring that the company reviews and rectifies their account suspension practices. I trust that with your support, Coinbase can be held accountable for their actions and provide a timely resolution to this matter. 

Thank you for your attention to this complaint. I look forward to your response and guidance on the next steps. 

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

Dear TransUnion I see information that on my consumer report that is result of identity theft. I did not provide any written permission or instructions for this account to be reported on my consumer report .I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material representations of fact by the relevant to the request to block the identified account. This account and transaction is not information related by me the consumer. XXXX XXXX XXXX Account number XXXX Down below I attached all supporting documents my drivers license my social security and my identity theft form. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX the financial crisis of the pandemic caused me to once again fall behind with my auto loan. Due to a technical error and user error my payment that I processes on XX/XX/XXXX was processed thru an external account prior to funds being available. Usually it takes 2 days for processing however my payment was processed the very next day which caused my payment to be returned and not satisfied until one day after being reported to the credit bureaus as a 30 day late... This caused my credit score to drop 72points. In addition I verified that for months XXXX, XXXX, & XX/XX/XXXX no payments has been reported as per the installment agreement arranged in XX/XX/XXXX ... On Time reporting for covid 19 reasons. I wrote the CEO, XXXX XXXX in late XXXX, unfortunately my concern was passed on and processed without consideration of my account status nor my loyalty with their company. I employed XXXX XXXX in XX/XX/XXXX and they were successful in getting my XXXX XXXX account corrected with XXXX only. The accou nt was corrected with Experian, however after after 45 days the incorrect information came back. XXXX has remained unchanged after several attempts to resolve directly with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710XXXX XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing meXX/XX/XXXXand stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( 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 which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company will not allow me access to my credit report I've reported that someone hacked my email and password for the account and they refuse to investigate and allow me to freeze credit and report fraud XXXX and Experian both
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

In XXXX, I was showing a '30 day late payment ' on my credit report for the month of XXXX for my auto loan. On XX/XX/XXXX at XXXX, I called into Regional Acceptance and spoke with a representative. I stated payment had been made and wanted to clarify the late status would be removed from my credit report. She assured my my account was current and the remark would be removed. 
Fast forward to XX/XX/XXXX, the late payment status had not been updated. I called in to Regional Acceptance again on XX/XX/XXXX at XXXX. The representative I spoke with that day, said I was misinformed on the prior call and that my account was not current. I went over the prior conversation with the representative and explained to her that I wanted to do an extension or whatever needed to be done to bring my account current and have the late status taken off of my credit report. She processed a payment of {$25.00} to cycle through and assured me many times that my account was not only now current, but my credit would be updated to show that, as well. I asked over and over for her to clarify my credit would no longer show '30 days late ' for XXXX, which she did. 
Now here it is XX/XX/XXXX, and my credit is still not updated. On XX/XX/XXXX at XXXX, I called once again. I spent 33 minutes on the phone. The first representative said the information I received previously was incorrect and they were unable to remove the late status from my credit report. She confirmed my account is current, but was unable to remove it. I asked her to pull the call from XXXX so she could hear the conversation from that day. She said she could not, and would transfer me to a branch. I spoke with a man there, who had to put me on hold twice, for minutes each time. I repeated the situation to him and he also said I had been misinformed and they could not remove the late status. I asked him if we could do an extension or whatever needs to be done for XXXX to be current. He said we can't do an extension because my account is current, which is what I had been explaining all along. He, as well as the lady before him, seemed very confused on my account. He supposedly is unable to pull the call from XXXX and said he would message the manager of the lady who " gave me the wrong information, '' and have her contact me. He said there was no way my credit would be updated. I asked him how I could receive copies of the recorded calls and he said he's unable to provide them and can't locate them himself. 
I received different information from three different people over the last two months. If the first representative had been correct, there's no way my account could have been 30 days late. I have tried for two months to fix this issue, while being given the run around by Regional Acceptance. I want the calls from XX/XX/XXXX and XX/XX/XXXX reviewed by someone higher up in the company and I was the '30 day late ' status from XXXX removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, these following accounts have violated my rights : XXXX XXXX XXXXXXXX ( # 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 a account without my written instructions
Product: Mortgage

In XXXX Freedom Mortgage offerd us a 3.25 apr interest 30 year fixed mortgage thru VA which they did successfully.

A few months later ( about 7 or 8 ) they approached me again to " re-rate '' the mortgage again and give fixed rate of 1.75 or 2.0 % apr.. I felt it to be inappropriate, as I had advised them of an Identity theft issue and I was struggling to deal with that. They said that I should proceed because it would save me a great deal of money, so my wife and I continued the process. they coached us to answer the bankruptcy questions, etc. as a " no '' answer because it would stop the " re-rate '' of the mortgage. 
Our attorney told us to do exactly what they advised and he would then file a XXXX XXXX when the new paperwork was closed. 
The new contracts were closed on XXXX of XXXX with the first payment set up for XX/XX/XXXX of XXXX. We advised our attorney, and he then filed the XXXX  XXXX. 
NOTE : the reason we were victimized by an Identity theft issue and we were seeking remedy from debts we did not owe. We had contacted several attorneys to seek remedy without the XXXX XXXXXXXX, but could not find one who would take the case. We saw the XXXX XXXX as the only way to protect ourselves and our home from the predators. Initially, we had filed to have Freedom Mortgage exempted from the XXXX XXXX. 
Freedom Mortgage immediately began claiming many XXXX  of dollars of arrears which did not exist and started moving payments around, etc. ( we have some documentation of this ). I asked our attorney numerous times to file complaints to the Court, but he said he did not want to start any fights.

after 3 months of this I terminated XXXX XXXX XXXX XXXX  and the retained XXXX XXXX, who had the original case dismissed and filed for a new case number and a different plan. 
Freedom mortgage filed the original false ceficits and new charges in the new case, and has since continued their predatory behaviors. Our new attorney has not filed any actions either so we are stuck, and will probably lose our home which is all we have left. We sold off most of our assets prior to this mess to pay off all our legitimate debts. My wife and I are XXXX XXXXXXXX and this was intended to be our forever home. we stuggled XXXX  years to get to this point and now, if we lose our home we will have nowhere to go. we will be homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report two erroneous bankruptcy accounts on my report. I have disputed it several times and asked for their method of verification, which they failed to respond too. According to their report, the information was provided by the Bankruptcy Court. However, I contacted the Court and received a letter stating that the Court does not report bankruptcies to the bureaus, nor due they assist with disputes. Per the FCRA, all entries on a person 's credit report must be 100 % accurate, complete and VERIFIABLE. Since the accounts can not be verified by the method contained in the report, it must be DELETED!
Product: Checking or savings account

I deposited a check on XX/XX/XXXX. The bank placed a hold on it without notifying me by email or telephone. They subsequently bounced 8 transactions based on that hold. The hold was ostensibly because they " received notice from the paying bank that the check may be dishonored. '' They refuse to provide proof of such notice and have used this excuse in the past on other large deposits to incur fees for uncollected and dishonored funds.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX with account number 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have tried to resolve this issue with XXXX, EQUIFAX and XXXX on XX/XX/2023 but have gotten nowhere. I even sent in proof that this account is reporting inaccurately.
Product: Mortgage

My XXXX  and I bought a condo in XXXX XXXX. Her name is on the deed, but I am making monthly payments and have access to the account. Last year we determined we could pay extra toward the loan and spoke with Dovenmuehle to ensure that monies could be applied toward principal only, and were told they could. Since XX/XX/2023, I have been sending a check for {$750.00} with loan # and " principal only '' written in memo line. I put the check in a card and wrote " for principal only, loan #, owner of record name, address & phone # and property address. About a month ago, my sister received a letter ( or email ) letting her know " your next payment isn't due until XXXX, '' and indicated that my checks had been applied toward interest. I have emailed Dovenmuelhe 4 times beginning XXXX XXXX to ask " how do we correct this error? '' and have not yet received a response ( not even an auto-reply 'we are experiencing high volume of blah blah blah ' ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report is either not mine or was opened without my knowledge. I need your help to remove this account from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Inquiry from CAPITAL ONE AUTO FINANCE date : XX/XX/2022, 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. 

This inquiry from capital one is fraudulent, because I did not authorize this company to pull my credit file.
Product: Credit card

While traveling overseas, I was given a drink that was spiked with a drug that made me unconscious for several hours. During this time my wallet was stolen, a merchant initiated fraudulent transactions totaling over {$20000.00} across every credit card in my wallet, then after I had awoken ( and not realized I was unconscious ) my wallet was returned to me as " found ''. I did not realize these charges were made until I saw fraud alerts on my phone the next morning. 

I have attempted to resolve the issue with Chase multiple times and they have rejected my case and declared " You received benefit from this transaction '' This is false. 

I have tried to contact them multiple times and have been told someone will contact me within 24-48 hours and no one ever does.
Product: Payday loan, title loan, or personal loan

I received a letter in the mail on the XX/XX/XXXX from XXXX offering a settlement on title loan whichhad me puzzled. I had gone to XXXX shortly after getting loan on car and had informed company I was in XXXX   and would be there for a long length of time and to please pick up car due to my inability to pay. I called and was informed that XXXX never pick up vehicle after my request but instead after car sat on property for almost a year and apartment building was being remodeled landlords had car towed. Company informed me paperwork and documentation was sent to myself and XXXX but was never pick up by me due to being in XXXX.XXXX did npt pick up car.fast forward XX/XX/XXXX I call said company 3 times the first time to try to get a clear understanding of what was going on. The second was discuss possible payment but I needed more information which was meet with hostility. The third time I just attempted to pay then I was informed that the offer supposedly expired XX/XX/XXXX.I informed agent that letter was printed on XX/XX/XXXX and that it was mailed from Texas and XXXXhat I had received it on XX/XX/XXXX and  that the next business day was Tuesday since XXXX XXXX was Monday and the letter did not list a expiration date. Again agent got hostile which made me angry and need to end the call
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX # XXXX is reporting a 30 day late to my account in XX/XX/20 that should not be on there. I had made my payment online and thought it went through and I did not realize there had been a system error until I got a late on the account. I would like this late removed, I have had this account for a very long time and have never been late before and this late was not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an ongoing issue that I've been trying to rectify since XXXX of 2021. The XXXX credit bureaus XXXX XXXX, Equifax, & XXXX are violating my FCRA rights and violation of XXXX XXXX compliance in which how they are reporting, I've done my extensive research on this compliance. I've called, and sent letters on several occasions. Please review my letters attached to this complaint where I clearly articulate where and how my FCRA rights are being violated & how they're not in compliance for XXXX XXXX and how its causing extreme HARDSHIP to myself and families livelihood due to these COSTLY mistakes.
Product: Mortgage

I refinance my home with PHH mortgage and it impossible to reach them either by phone or online. They never answer their phone I stay waiting up to one hour and a half. The menu in the phone is not true, they never transfer you to a live person. 
I been trying to register to see my statements and the system don't let you. I wrote to them about not receiving my statement an they never answer. 
They force you to pass the due date and the only way to pay is to this application they have called doxo or used a pay system I been paying XXXX dollars since. And now in my new bill I own them XXXX dollars for late payment, its a mess. 
PHH Mortgage Corp. has agreed to pay {$45.00} XXXX to resolve claims that it improperly serviced thousands of single-family residential mortgages. You can see in the internet all kind of complaints like this one : The PHH Mortgage lawsuit was brought by the attorneys general of 49 states and the District of Columbia over allegations that the New Jersey-based mortgage servicer violated the federal Consumer Financial Protection Act and the consumer protection laws of several states.
Product: Checking or savings account

I deposited a check into my checking account with mobile app for Truist on XX/XX/XXXX. I expected that it would be held for a day or two the amount was {$6900.00}. Right after mobile deposit my account was frozen for fraud and under investigation. And no one can tell me the reason. There's not enough information. Truist only stone wall you.