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

Financial organization : CoinBase Through Coinbase exchange I purchased a Bitcoin from coinbase in fractions over time. When I had XXXX Bitcoin I put that bitcoin in Coinbase Vault for safety. While creating the safe I was told that it will take 2 days for a withdrawal ifwhen needed and involves approval from 2 parties ( primary and secondary ). Approval is gained by sending the email to both parties. Once the parties approve the email the extraction process starts and finishes in 2 days. 

When i actually tired withdrawing my Bitcoin the verification email did n't come to the registered secondary approver 'S email ( of my husband ) and hence the process did n't even start. All other emails from Coinbase arrive just fine ; Only the vault approval emails are not received. I 've tried all the steps suggested by their chat bot but it did n't resolve the issue. 

Tried this process many a times but I get the email for approval but the secondary approver does n't. Email address is correct as all other emails from coinbase come to both addresses just fine. 

I 've filed numerous ( 3-4 ) complains starting XXXX XXXX to coinbase and every time I get the acknowledgement of the complain but no action is done. I 've also wasted many hours on phone at their support line but never got to talk to actual person. 

My husband did some research and learnt that they time to time blacklist email accounts and hence the emails are never delivered. 
XXXX XXXX : He filed a few request to fix the email issue but to no avail. After filing the complain all we get is an acknowledgement and some pre-canned text to try self-help steps. Tried all, none worked. 


Initially it was frustrating but now it 's getting depressing to not able to withdraw my on funds. Coinbase charges a very high fee ( highest among all exchanges ) to give services but is worst in customer service. To me it costed hundreds of dollars in fee alone. 
You will find numerous Coinbase related issues on XXXX and other forums. 

I truly regret going to Coinbase. 

Kindly help me to resolve my issues. Once my issue is resolved I 'll close my coinbase account. 

I 'll be happy to provide any more information as needed.XXXX
Product: Vehicle loan or lease

My complaint is about an automobile leasing plan I have with GM Financial ( account number XXXX ) and the frequently in error invoices they have sent me that have led me to make overpayments. The terms of the lease are that the monthly payment is {$230.00} per month plus the CT State taxes that are due once each year. 
1. The current invoice from GM is in the amount {$1200.00} that I assume is for the ( $ 237 monthly amount ) + XXXX XXXX taxes of {$560.00} ) = {$800.00}, resulting in an over-billing of {$470.00}. 
2. Also, according to my records I was billed twice for XXXX taxes, an amount {$520.00} x 2 = {$1000.00}, resulting in an overpayment by me of {$520.00}. 
3. Items 1 and 2 above have resulted in overpayment by me of {$470.00} + {$520.00} = {$1000.00}. 
4. The above discrepancies may be due to the fact that XXXX 's automated billing software is still in a beta form of development as evidenced by the following observations : a. The amounts stated by their automated telephone billing service do not agree with the printed amounts received by me via XXXX. 
b. XXXX can not explain why these differences exist, except to state that their software is known to be defective. They can not provide me with an accurate manually generated spread sheet showing the charges against my account and the payments I have made, which would allow us to pinpoint where their errors have been made and so that they may be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts showing charge off but I have received a1099c so that means it should not be reporting on my report as a charge off if one has to claim it as personal income on ones taxes Transunion is the worst agency ever placing things on my account that are not authorized like fraud alerts if it is not removed immediately the next step would be litigation the gaps in reporting on payment data just shows a dash their reporting practices and methods are very unprofessional nothing ever gets resolved contacting them so the complaint will not only go to cfpb also the attorney general in that state and tigta as well.
Product: Credit reporting or other personal consumer reports

I sent inaccurate information to Equifax that they improperly verified an account, with the account status stating it was open. Due to the law because they did not properly verify this account. They did not delete it either and that is a violation.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

Summary of Accounts being challenged in list form XXXX/XXXX  - Account XXXX XXXX  XXXX - Account XXXX XXXX  - Account XXXXXXXX XXXX - Account NumberXXXXXXXX XXXX XXXX XXXX - Account XXXX
Product: Vehicle loan or lease

Yes I contacted on financial about getting car deferred payments. The did grant me  deferred payments. The only problem is. There charging me late penalty fees. I'm going thru hardship due too corona virus. And I'm hoping too get all late fees or penalties waived. I'm also on XXXX too. I don't wana have too file chapter XXXX bankruptcy. So hopefully I can work with them. I'm XXXX years old going thru hardship.
Product: Debt collection

I have a collections account for XXXX XXXX on my XXXX credit report and I have no knowledge of this account. I have never had a XXXX XXXX account. I disputed the account with XXXX. They denied my dispute and in that dispute I put that the address that they have associated with this account does not belong to me and that I have never lived the address that is stated so due to the information that they have on file being incorrect and not belonging to me I would like to have this collections and account removed from my credit report indefinitely. I I received an email from the collections agency about two months ago and I disputed it with them and I have not received any correspondence from them about it. The collection agency is true accord.
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 Name : XXXX XXXX & XXXX XXXX account # 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 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: Mortgage

In XX/XX/XXXX, I was two months behind in mortgage payment. My bank sent two payments toward the payment of my mortgage for {$2000.00} and {$1300.00}. My regularly monthly payment is {$2000.00}. The late fee is {$60.00} and there is a {$15.00} inspection fee. The mortgage company statement do not reflect what happen to the {$1300.00}, however, there is a {$750.00} in an Unapplied Amount account. Loan care has taken more money from the {$750.00} that now the XX/XX/XXXX statement reflects that there is only {$290.00}. 

I am attached the XXXX Monthly Statement which shows that the two payments were made. XXXX payment was paid in full ( {$2000.00} ), XXXX monthly payment was short and XXXX payment was paid of {$2100.00} - XXXX + XXXX + XXXX ( XXXX ) =  {$24.00} overage. I do not know what suspense account did the {$24.00} go into. I don't know because I did not received a monthly state for XXXX and I was denied access to the Loancare website. 

I made several calls to Loancare to find out what happen to my money and why I know longer could have access to Loancare website. I was transferred to their Bankruptcy department, customer service could not address none of my concerns. I didn't understand why I was transferred to a Bankruptcy department since I haven't filed for bankruptcy since XXXX and my house was not apart of the bankruptcy. I was told by the Bankruptcy department that the {$15.00} fee would be charged to my account on a monthly basis because I file for bankruptcy. I asked them why and I told them that XXXX XXXX XXXX nor XXXX XXXX XXXX charged me {$15.00} per month. XXXX and XXXX inspected my house if my mortgage went more then 3 months past due. And where in my contract it states that they can charge me {$15.00} inspection fee monthly. I was told by the Bankruptcy department that those were the agreement that was made with the investors. And the investors are making this call for me to pay {$15.00} monthly. 

The Bankruptcy department said that I need to put my complaints in writing. I was given an email address and I wrote my complaints and was given a Ticket # XXXX, on XX/XX/XXXX. I waited for a response until XX/XX/XXXX, and I wrote to the customer care department again and I received a response that this email no longer being monitored. Now I am being told to go to the website that they denied me access to. 

Please help me ... .thanks
Product: Debt collection

Filed prior grievance of company doubling reported amount owed from XXXX to over 6800 through credit bureaus. Through XXXX amount was reduced back to XXXX. Since then made settlement through XXXX XXXX 3rd party collection which reported correct original amount of XXXX when settling account. Showing paid in full middle of XX/XX/XXXX. Since then Lobel Financial raised again reported balance to XXXX on credit reporting agencies and shows amount owed. I have disputed again through financial agencies which came back with no change and again unexplained doubling of amount owed. the doubling of amount randomly appeared end of XX/XX/XXXX though for prior 3 years before doubling had a debt balance of XXXX.
Product: Mortgage

Wells Fargo Home Mortgage document was called the : Loan Program Pick A Payment Loan ADJ Rate Mortgage for the property located at XXXX XXXX XXXX XXXX XXXX. My husband and I do not recognize the signature of the name that is supposed to be my husbands. We also noticed that the address that is on this loan document is not the address for this Pick A Payment Loan Disclosure which means this document is a total fraud. I am requesting Wells Fargo Home Mortgage to explain how this happened in detail and I am requesting Wells Fargo Home Mortgage to audit this loan and explain the steps that will be taken in a typed response with this fraudulent fabricated Pick A Pay Loan Disclosure Document used for the purpose of Wells Fargo Home Mortgage/ Investors to defraud and target XXXX and XXXX people and cause XXXX and XXXX damages. Please review. I am also requesting the CFPB to investigate this case because of Wells Fargo Home Mortgage fraud and your advice. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : SS # : XXXX and account reported from : 1. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 2. Validate Account XXXX XXXX  Account Number : XXXX Please ensure that all information is accurate ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENTS ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

These 3 inquiries are needed to be removed asap XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Account number N/A, MisleadingXXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Account number N/A MisleadingXXXX, XXXX XX/XX/XXXX Account number N/A. Misleading Apart from those 3 inquiries mentioned on the previous page these are the other following inquiries with their dates that I don't consider are mine and I want them to be gone asap from all my credit reports : 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. Also I would like to inform that in all the credit bureaus my employer isn't being spelled accurately in all my credit reports. I'm self employed and my business name is XXXX XXXX XXXX kindly fix the spelling. Please make sure that on the business credit bureaus side of my XXXX XXXX XXXX shall have XXXX : XXXX and XXXX : XXXX as their respective codes don't assign anything based on your assumption or anything other then these two that I have mentioned above as my these are right codes for my business.
Product: Debt collection

Around XX/XX/2016 I was moving to another address. I went from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. I was contacting all of my service providers to transfer to my new address. A XXXX XXXX representative stated my bill must be paid regardless of due date before a new account can be opened on a new address so I paid it off. With no written communication over the next two years of the debt owed, I received a notification from XXXX XXXX that XXXX sent it over to a debt collection agency called Convergence for {$55.00}. If you think I owed this debt, wouldn't someone attempt to contact me with a written notice to let me know I owed this money? I was still a customer so they had my new address. They claimed they called me 3 times but I have no call records. Within that 2 year time span, I've called XXXX numerous times for inquiries, technical support, etc and nobody brought a collection up. The collections agent claimed it slipped through the cracks. Is that my issue? XXXX XXXX needs to get it together. I heard complaints from friends and family that they were over billed for something and when XXXX looked over it, they corrected it. I believe that's the issue here. They are unorganized, and lack communication. They lowered my credit down a few points and I'm upset they couldn't notify me before placing it on my credit so I can confirm its accuracy. They stated they will not remove it and I owe it, but I know I do not based on the information above. 

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

I've been shopping around for cars so yesterday XX/XX/20 I finally applied to see if I would get pre-approved for an auto loan and I was told that I would not qualify because there are seven accounts reflecting negatively on my credit. I was not aware of these accounts because I never opened them and I didn't give anyone permission to open them in my name. The account names are the following. XXXX, XXXX XXXX XXXX, and US Department of Education. I never authorized these accounts to be opened in my name nor did I benefit anything form them such as money, goods services or any other benefit and I never made payments towards them. I have filed this report to the best of my knowledge as well as a police report and a complaint with the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit reports on the federally provided link at XXXX : XXXX  ; with each credit report ; XXXX, XXXX & Transunion XXXX XXXX notice I have several fraudulent inquiries in which I am not familiar with nor did not authorized. The inquiries are as follows : 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 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 card or prepaid card

I sold merchandise to a consumer. However, just days before taking delivery of the equipment, the person made a fraudulent credit card chargeback request and THEN took full delivery of the merchandise as if nothing had happened. 

Subsequently, I informed that buyer that I was filing a lawsuit against them for fraud. The buyer then called Chase Bank back and informed then to rescind the chargeback request and his purchase was indeed valid. Chase Bank informed their client that the matter had been resolved as of XX/XX/XXXX. Yet Chase Bank has refused to put the {$15000.00} back into my account. In effect, Chase Bank has stolen my money!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to express my dissatisfaction with the response I received from TransUnion regarding my dispute for XXXX  account number XXXX and XXXX  XXXX account number XXXX. Despite my previous attempts to resolve this matter, TransUnion has not provided any substantial information or resolution to my concerns. 

As a consumer, I am entitled to accurate and fair credit reporting. The lack of proper resolution is causing undue stress and potentially harming my credit standing. Therefore, I am requesting your assistance in resolving this issue promptly. 
XXXX XXXX handling of my dispute has been inadequate and unresponsive to my needs as a consumer. I am seeking the XXXX XXXX intervention to ensure that my concerns are properly addressed and that a satisfactory resolution is reached. 

I request an investigation into the accounts associated with XXXX XXXX  account number XXXX and XXXX XXXX account number XXXX. As the XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I require you  to provide proof of claim with evidence regarding your legal or lawful jurisdiction over me. I am asking all three major credit bureaus. To request those companies ' /person/ financial institutions. To provide the documentation requested by the consumer. You are hereby given XXXX days to respond in writing to this request. Should you fail to provide the requested documentation within this timeframe, TransUnion, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX will become liable for any damages I may suffer as a result. 

Your prompt attention to this matter is appreciated, and I look forward to your swift response. 
Please acknowledge receipt of this notice and inform me of the steps being taken to resolve this matter. 

XXXX  XXXX XXXX is collecting a debt they do not own there is no contract with the consumer. # XXXX XXXX XXXX XXXX XXXX XXXX - Social Security number is fraudulent on this contract XXXX  XXXX # XXXX - Account is showing as a charge-off ; collecting a debt without proof of a contractual contract. 

Section XXXX of XXXX XXXX makes it unlawful to hold a person in " debt servitude '' or peonage, which is closely related to involuntary servitude. Section XXXX prohibits using force, the threat of force, or the threat of legal coercion to compel a person to work against his/her will. Please note that none of these accounts are in any legal proceeding. You can advocate and assist me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent out a letter to Transunion, XXXX, and XXXX. However it's been over 30 days and the credit bureaus failed to comply with fixing my credit report despite my attempts to contact them and its being past the 30 day window for resolution. This is preposterous this is really not making any sense. 

According to the law 15 U.S. Code 1681i- Procedure in this case of disputed accuracy. If the completeness or accuracy of any item of information contain in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the items from the file in accordance with paragraph ( 5 ), Before the end of 30 - days period beginning on the date on which the agency receives the notice on the dispute from the consumer or reseller.