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

On XX/XX/2021 I called GDAX phone number which I found on line and an agent of GDAX/Coinbase moved my investments from coinbase to coinbase pro along with {$4000.00} from my bank. He also was suppose to moved my investment from XXXX XXXX to coinbase but only moved one. During the same month I noticed that my default portfolio was just around $ XXXX when my portfolio account should have been around {$20000.00}. 
I have informed Coinbase using their help/support ( XXXX ) section of my concerns and what needs to be done to fix this discrepancy. To date I received a number of case numbers of which none solved my concerns, I then contacted their complaint department ( XXXX ) who indicated taht they would let me know the out come in 15 working days. At the end of that period I received no resolution but instead they asked for another 20 working days. I objected to this continued extension/delaying tactics asking them to provide a resolution within 5 working days which end this Friday. All I need from Coinbase are : 1. to use my account as I see fit 2. what happened to my investment and the {$4000.00} that was withdrawn from my bank that was moved from coinbase to coinbase pro.

3. why is my default portfolio showing less that {$1.00} when my balance should be closer to {$20000.00} 4. why is my account showing {$0.00} when I try to withdraw or transfer coinbase pro to coinbase?
Product: Credit reporting

There is no phone number to contact Equifax. They are the only of the XXXX credit report agencies that have a bankruptcy listed and my score is low with them as a result. It should not be there and I 'd like them to remove it and update my score. I 'm in a rush because I have a boiler out in a rental property we own and it needs replacing. I need to get financing. Is it possible for you to help expedite?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report 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 see that the same information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXBalance : {$490.00}, XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXXXXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance XXXX {$38000.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXXXXXX Balance : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Hard Inquires Listed below, 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 XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX 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 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian business credit report for my small business states I have a delinquent account for {$2500.00} in which the business or I have never taken out a loan or even owe anything as far as credit, loads or anything. I believe this to be fraudulent and improper. There are trade lines on my credit that also arise from this.
Product: Credit reporting or other personal consumer reports

I filed a dispute twice with the Equifax reporting agency, each time the results came back as updated and verified as accurate saying account belongs to me. After filing a complaint against the collections company reporting the information and another credit reporting agency to CFPB the collections company attached a verification letter which clearly shows that I am not the person listed. My name is XXXX XXXX and the person listed on the correspondence letter name is spelled XXXX. XXXX has stated that there is no such account in my name or under my social security number. I have never had an account with XXXX XXXX or any other insurance company. ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I called creditors and asked about serval Inquiries on my credit I didn't recognize or authorize customer service would not help or take care of negative inquiries reporting to my credit report!! I called and mailed in letter on XX/XX/XXXX and on XX/XX/XXXX and on XX/XX/XXXX and on XX/XX/XXXX asking to resolve this matter and still nothing has been done!! 1. Inquiry Date XX/XX/XXXX XXXX XXXX XXXX 2.Inquiry Date XX/XX/XXXX XXXX XXXX 3. Inquiry Date XX/XX/XXXX XXXX XXXX XXXX 4. Inquiry Date XX/XX/XXXX XXXX XXXX 5. Inquiry Date XX/XX/XXXX XXXX XXXX   6.Inquiry Date XX/XX/XXXX XXXX XXXX 7.Inquiry Date XX/XX/XXXX XXXX XXXX ( On my report twice ) 8.Inquiry Date XX/XX/XXXX XXXX  9. Inquiry Date XX/XX/XXXX XXXX XXXX XXXX ( On my report twice ) 10. Inquiry Date XX/XX/XXXX XXXX XXXX ( On my report twice ) 11. Inquiry Date XX/XX/XXXX XXXX XXXX 12. Inquiry Date XX/XX/XXXX XXXX XXXX 13. Inquiry Date XX/XX/XXXX XXXX 14. Inquiry Date XX/XX/XXXXXXXX XXXX 15. Inquiry Date XX/XX/XXXX XXXX/XXXX  16. Inquiry Date XX/XX/XXXX XXXX  ( on my credit twice ) 17. Inquiry Date XX/XX/XXXX XXXX XXXX ( on my credit twice ) None of these inquiries belong to me!!!
Product: Student loan

Discover loans sent me a letter regarding a ruling that CFPB made in XXXX XXXX, XXXX regarding the illegal activities that Discover was engaged under the XXXX XXXX XXXX. The ruling clearly states that I should receive up to {$300.00} for tax preparations for XXXX and XXXX, but they chose to give me just {$75.00} credit per year. My tax preparation costs are a lot more than {$300.00} and surely more than the {$75.00}. So I want to make sure that Discover pays the {$300.00}. 

I spoke to the following people at Discover and none of them were willing to listen to the official ruling that is on your siteXXXX
Product: Credit reporting or other personal consumer reports

A derogatory entry has been inaccurately reported on my credit report. I do not recognize this entry as valid or legally owed. After discovering this error, I disputed it directly with the credit bureaus through their formal dispute process. However, the investigation concluded that the entry was " verified '' without providing me with sufficient documentation or evidence to confirm its accuracy. This has harmed my credit score and limited my ability to secure fair financial opportunities. I am seeking a full review of this entry and proof of its validity under federal consumer protection laws.
Product: Payday loan, title loan, personal loan, or advance loan

At the end of XXXX I was notified that the XXXX payment had not gone through. I immediately went online and notified them that the payment card had been canceled by XXXX XXXX XXXXXXXX due to fraud, and then a new card was issued. They told me to input my new card, which I did. Then in XXXX I was notified that I still owed them XXXX, XXXX and XXXX payments totaling {$210.00}. I immediately went online on XX/XX/XXXX to look at the information saw that my previous card was in there as well as the new card that I updated the payment method and I started another chat with them. I am enclosing the chat so that you can see I am very concerned that this company is doing a switch and bait tactic by telling people you now have to update your revised payment method in the original purchase order and not just on their site and then putting you into collections so that they can get out of the extended repayment. On the loan and turn you over and ruin your credit.
Product: Checking or savings account

My Driver 's License was stolen. I informed the bank of the identity theft. The bank caught the first transaction but failed to stop it on XXXX subsequent occasions. The bank allowed for XXXX bad checks to be cashed totalling over {$10000.00}. Eventually the money was refunded. 

I have asked for the banks helped with the investigation and they have been uncooperative. The XXXX police departments have reached out and the bank again to return calls to the law enforcement agencies. I am disturbed by the banks handling of this situation. 

I also asked on multiple occasions for the government advocates information and was not provided this information by the bank.
Product: Checking or savings account

I sent {$450.00} to a friend thru XXXX and their bank inputted the wrong account number. When I tried disputing the transaction I was told it nothing they can do because the transaction is a person to person transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a misfiling with a XXXX 2023 report of my student loan account with XXXX XXXX University. I have already filed against them for never notifying me of when initial payments began and it was removed from my report but Experian put the 30 days due report back on for no reason! Needless to say I am extremely agitated as that account has always been current to my knowledge and I want it removed from my report just like how it was from XXXX 2023 to XXXX XXXX  2023
Product: Mortgage

BBVA Compass is attempting to charge me an improper and unlawful mortgage-related " fee. '' My efforts to get BBVA to remove the " fee '' have been unsuccessful. 

About two years ago, we purchased a new home financed by XXXX BBVA Compass loans. On the morning of closing, we were given a HUD-1 Settlement Statement from the title company for the second, smaller loan. Line XXXX of the settlement statement listed {$380.00} as the " CASH FROM BORROWER '' due at closing. As detailed elsewhere in the settlement statement, this amount equaled the title company 's fees plus governmental recording fees for the second loan ( specifically, {$310.00} for " Title services and lender 's title insurance '' ; {$4.00} for " Flood certification '' ; {$5.00} for " Courier '' ; and {$62.00} for " Government recording charges '' ). There were no other fees identified on the HUD-1 Settlement Statement. 

The title company instructed us to bring a personal or cashier 's check to the closing for {$380.00} made to the title company. Pursuant to those instructions, we obtained a cashier 's check for {$380.00} made to the title company. When we arrived at the closing, we presented the cashier 's check for {$380.00} to the title company 's agent, the agent accepted the cashier 's check, and we executed the closing documents. 

Several months later, I noticed that BBVA had assessed a " fee '' on our monthly loan statement in the amount of {$380.00}. When I initially contacted BBVA, I was told that the " fee '' was an error and would be removed. After that did not happen, I contacted BBVA again last month. 

The story changed the second time around, with BBVA now claiming the " fee '' was imposed because we did not pay the {$380.00} at closing. During the call, however, BBVA openly admitted that its records were inaccurate and incomplete. For example, BBVA admitted that the HUD-1 statement in its records differed from the final, executed HUD-1 statement in the title company 's records. ( BBVA apparently discovered this incredible discrepancy when it contacted the title company while I was placed on hold. ) BBVA also admitted that the title company had sent checks to BBVA for which BBVA had no record. ( Bizarrely, BBVA asked me to contact the title company on BBVA 's behalf and request copies of the checks. ) When I asked the BBVA agent how the closing documents could possibly have been signed if, as BBVA Compass asserted, we failed to pay the {$380.00} due at closing, the BBVA agent had no answer. 

Despite the obvious and admitted discrepancies in its records, BBVA refuses to withdraw the improper {$380.00} " fee. '' When we closed on our house, we paid {$380.00} to the title company for the " CASH FROM BORROWER '' as instructed by the title company. The fact that BBVA allegedly has no record of such payment is entirely due to BBVA 's negligent and sloppy record-keeping and its inability to obtain documents from the title company. BBVA needs to remove the {$380.00} " fee '' immediately.
Product: Payday loan, title loan, or personal loan

On XXXX/XXXX/XXXX, I called XXXX XXXX XXXX XXXX title loans XXXX, and was transferred around with no resolve. They stated that they were not the main lien holders, but were the secondary. I contact the other supposed lien holder and they stated that they were not the lien holders, but XXXX XXXX were the original lien holders. I then called back XXXX XXXX and they did verify that they were the lien holder and was transferred to the bankruptcy dept with no resolve, and could not leave a voice message. I in total was transferred 12 to 13 times and I still do not know who has my title for my car. 

I had declared bankruptcy in XXXX, and the balance in the amount of {$4000.00} should not be owed and should have been included in the discharge. I am disputing that this company still has the right to hold my title due to this reason, and I have not been able to get in contact with anyone with this company in regards to this. 

I would very much appreciate some assistance with this, as this title loan was originally initiated 8 years ago, and is considered to be a very old account according to the company. Let me know if you need anything else in regards to this. 

Thank you and have a great day. 

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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$7500.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX
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 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: Money transfer, virtual currency, or money service

On XX/XX/2023 I was trying to purchase crypto with XXXX and eToro popped up at the top. So I signed up and gave all my information to deposit my funds and buy my ETH. After I bought my ETH I realized there was no " send '' button to send my ETH to a new wallet. So I sold the ETH and looked up how to transfer ETH out of eToro and followed those guides. I bought ETH again making this the XXXX trade with any warning or signs that my money would be held. After trying to send it out like the guide showed, I finally came to a page that stated I wouldn't be able to transfer my money out of eToro for XXXX days. After all that there was not XXXX single message, fine print, or warning before and after purchasing the crypto that it would be held for X amount of days. I spoke to representative and XXXX was good but still very unhelpful because they couldn't do anything to help at all.
Product: Debt collection

Apparently I opened an account on XXXX of 2021. I NEVER DID. I received a call from XXXX XXXX XXXX ( XXXX ) stating that they needed to collect a debt from me. The person that opened the account used my social security number and my name, not complete by the way, and made purchases and paid them and they had the guts to report fraudulent activity on the account that they fraudulent created using my name and information. They then closed the previous account and opened a new one and the payments that they " were making '' on the account were returned and that is why XXXX was contacting me, because " I was late on my payments. '' I never opened the account in the city that it says I did and I never made those purchases either. The email they provided is not even my email. I hope they find the people responsible and that my credit goes back to how it was. It was in the green and now is in the red.
Product: Debt collection

On XX/XX/XXXX2024, after my shift at work I approached the parking lot, where I parked my vehicle, a XXXX XXXX XXXX ( vin # XXXX ), to find that my vehicle wasn't parked where I parked it. I contacted XXXX Police Department, and made a stolen vehicle report, ( affidavit # XXXX. After an investigation by Detective XXXX, it was determined that my vehicle was picked up by a company by the name of XXXX Florida XXXX XXXX XXXX Florida, he provided me a phone number for me to reach out to that particular company. After doing so, I was told that they had a repossession order for my vehicle from Wilshire Consumer Credit XXXX XXXX XXXX. I was provided with a account number and phone number for the company. I immediately reach out to the company, in which I spoke with a XXXX XXXX XXXX. I spoke with XXXX concerning this matter, I stated that the vehicle that was repossessed by their company was my personal vehicle, that I never had a loan or had taken out a loan with their company. I was told that the social security number associated with the account is not the social security number that I had provided her. She had me email her a copy of my police report, in which I provided. Since then I have not been able to spoke with anyone concerning this matter. Anytime I would call to speak with XXXX, I would get hung up on by a representative, or told that they could not provide me with any information. For months I have been without my vehicle, I don't know where its located, and I can't get any assistance from this company.