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

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform wap.virtuap.vip, which solicited me to invest a substantial amount of money. All payments were made in way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. All transfers were made through my wallet hosted by Coinbase. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind wap.virtuap.vip. After transferring to the Merchants address, the cryptocurrency was cashed out with a Coinbase-controlled cash- out wallet. Based upon the understanding that Coinbase is acting compliant and will provide the due care towards its own wallet holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for provision of information to Coinbase. Unfortunately, as of the date of ISSUE Other service problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes DID YOU REQUEST INFORMATION FROM THE COMPANY? 
Yes WHAT INFORMATION DID YOU REQUEST? 
Information they should have collected according to the travel rule requirement ( information about the entity hosting the beneficiary wallet ( s ) and/or information about the beneficiary wallet ( s ) holder ( s ) ) DID THE COMPANY PROVIDE THIS INFORMATION?

No Edit this section Edit this section What would be a fair resolution to this issue?

COINBASE should either disclose the requested information about my outgoing transactions and cash-out-wallets holders, or COINBASE should be seen liable for the damages occurred to me and should pay me feasible compensation. See attached letter of demand to COINBASE for further details.

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this complaint, Coinbase has provided neither me nor my legal representatives with the requested information even though we have sent several follow-ups. By ignoring my request, Coinbase failed to provide the required information about the VASPs hosting the beneficiary wallets, where I have made a series of transactions to, Coinbase does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the lack of response from Coinbase represents a clear example of the mistreatment of my consumer rights as a consumer.
Product: Consumer Loan

On XX/XX/2016 I submitted a payment in the amount of {$740.00} for pass due payments. My electronic payment was accepted by GM Financial on XXXX XXXX, 2016 at XXXX eastern standard time, referenced with Trace Number XXXX. However, my car was then repossessed on XXXX XXXX, 2016. Due to the nationals holidays in the United States and XXXX I had to place several calls and spoke with several representatives that could not or would not be of assistance, on XXXX XXXX, 2016. I placed several calls on XXXX XXXX, 2016 with the same result. I went as far as obtaining proof of payment from my bank and faxing it to GM Financial via fax number XXXX. However, not until XXXX XXXX, 2016 did I receive a call back from GM Financial. My conversation with GM Financial consisted of them calling my bank for additional proof that my payment would not be returned to the bank. I was then told that in order to receive my vehicle from repossession I would have to pay additional fees which included a {$520.00} repossession fee. I am disputing the repossession fee since GM Financial had my payment for 48 hours prior to issuing repossession. In the last 3 years GM Financial has had XXXX complaints escalated to the Better Business Bureau.
Product: Student loan

Hi, I kept getting contacted by this company claiming to be a loan servicing agency. They called themselves XXXX XXXX '. I talked to a guy named XXXX and a woman named XXXX. They went into great detail about my loans and how they could help. I ended up believing them and gave them all the information they would need including my social security number and bank routing and account number. 

They already pulled {$120.00} out of my account but I have canceled the request with my bank. What further steps would I need to take to ensure they can't take anymore, scam me, or move forward with identity fraud. 

This happened in XXXX, they claimed to be working with the Dept. of Ed. and their first withdraw from my account happened on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Balance : XXXX You are reporting the first date of delinquincy was XX/XX/XXXX as a 60 day late payment and there was a payment paid and reported in XX/XX/XXXX. How can the account be delinquent 60 days and it shows a green check paid in the month of XX/XX/XXXX? Please fix and update this account. No late payments and Payed as agreed. 

Account Name : XXXX XXXX Account Number : XXXX Account Balance : XXXX ( incorrect ) You are reporting the first date of delinquincy was XX/XX/XXXX as a 60 day late payment and there was a payment paid and reported in XX/XX/XXXX. How can the account be delinquent 60 days and it shows a green check paid in the month of XX/XX/XXXX. Please fix and update this account. No late payments and Payed as agreed. 

Account Name : XXXX XXXX Account Number : XXXX Balance : XXXX ( incorrect ) You are reporting the first date of delinquincy was XX/XX/XXXX as a 60 day late payment and there was a payment paid and reported in XX/XX/XXXX. How can the account be delinquent 60 days and it shows a green check paid in the month of XX/XX/XXXX. Please fix and update this account. No late payments and payed as agreed. 

Account Name : XXXX XXXX Account # XXXX Balance : XXXX You are reporting the first date of delinquincy was XX/XX/XXXX & XX/XX/XXXX as 60 days late each month and a payment was marked paid XXXX, XXXX & XX/XX/XXXX. How can the account be delinquent 60 days with XXXX consecutive months paid. 

In XXXX you reported the account delinquent in XXXX & XXXX 60 day lates each month and the account was marked paid XXXX and XXXX. How can the account be delinquent 60 days with consecutive months of payments and green check showing paid. 

In XXXX you reported the account delinquent for the month of XXXX for 60 days and you marked a green check as paid for XX/XX/XXXX. How can this account be 60 days late and a payment was made in XXXX. 

XXXX XXXX XXXX ; There is no scheduled payment reporting for this account in XXXX, XXXX. I requested a signed contract. Where is the payment history and verification and validation of this debt. I have no knowledge of this account and this account does not belong to me. 

XXXX XXXX XXXX Loan XXXX Balance information is incorrect ; XXXX & XXXX You reported the first delinquency in XXXX at 120 days late in Septemer and you have a green check and payment made for the months of XXXX, XXXX, XXXX. How can this account be 120 days late with consecutive payments. No Data for XX/XX/XXXX and you report 150 days late for the month of XX/XX/XXXX. You have payments made and they are marked but you reported it late. Please update the both of these accounts.payed as agreed.
Product: Credit reporting or other personal consumer reports

I am writing regarding the above-referenced account currently appearing on my credit report. As I am nearing the final payment of this debt, I would like to request a goodwill removal of this account from all credit reporting agencies ( XXXX, XXXX, and Equifax ) once my final payment is received. I appreciate your cooperation in resolving this matter and acknowledge your assistance throughout the repayment process. I believe removing this account from my credit report will serve as a goodwill gesture in recognition of my efforts to fulfill the obligation in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Please investigate and remove them all. I claim Identity theft!
Product: Credit reporting or other personal consumer reports

My personal information was compromised. After reviewing my credit report it is apparent to me that someone has accessed my information to apply for an apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Fair Collections and Out ) Balance Owed : XXXX XXXX XXXX
Product: Vehicle loan or lease

End of XX/XX/year> lease ends got loan from my bank XXXXXXXX XXXX XXXX XXXX XXXXXXXX lease said I missed last payment and they agreed they were wrong. My credit score went down XXXX points
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr Cooper has ALWAYS auto-drafted the correct mortgage payment amount, ON TIME, each and every month. I have bank statements to prove this ( {$950.00} amt ). 

XX/XX/XXXX, XXXX rec 'd a Mr Cooper system msg the payment was made, on time ( {$950.00} ). Unbeknownst to me, they attempted to pull {$970.00} on XX/XX/XXXX AND XX/XX/XXXX, as well!!! 

In XX/XX/XXXX I was told XX/XX/XXXX was NOT paid, so I was automatically removed from their auto-draft system ( not informed of this on the msg system I knew about ). Was told XXXX & XXXX were not withdrawn, either, so I needed to make 3 pmts to be current, which I made ( totaling $ XXXX ). When asked why this occurred, response was : " We switched our pmt processing firms so that was problem. '' " Will this be reported to the credit agencies? '' I asked. " No. Not at all. '' " Will I be charged any late fees? '' " No. '' " Okay. '' XX/XX/XXXX while trying to apply for loan I learn these WERE reported to credit agencies! I notified Mr Cooper immediately. After 2 weeks, I rec 'd a letter denying it was their fault! I again BEGGED for this to be corrected as it is costing me THOUSANDS of dollars in a higher mortgage rate, fees, etc.
Product: Vehicle loan or lease

I signed the loan agreement at the dealership XXXX XXXX  in XXXX XXXX a private car dealer on Sat XX/XX/year> and took my application of credit, he tried with couple banks without success, and got an approval from Americredit financial ( GM FINANCIAL company. The dealer used pressure tactics when I was ready and somehow used pressure tactics for me to sign the contract when I was not ready. However since I signed the contract they said now I have to drive off the vehicle and the lender has approved my deal. Over the weekend I thought about it that interest rate is very high at 14.50 % and I will not be able to afford it its not for me so I contacted the dealership and spoke with the General Sales Manager XXXX and explained him the situation by physical went to the dealership and told him Im not ok with it and I will not be able to afford it please do something and return it as Im within the time period of cooling off with you and the lender. He verbally told me that he bumped up my salary to XXXX from XXXX which of course I was not aware of and it was a moment of shock for me and thats how I thought how was I approved and without income verification, GM financial - Americredit Finacial approved my deal without my consent of salary information and XXXX the GSM manipulated my salary information without my consent and got the deal approved. When the dealer refused to cancel the deal and contacting the bank to cancel it, I contacted Americredit directly 3 times to ensure Im within the time frame and cancel the deal as Im within my right of rescission period and explained the whole situation with the question, that how did you all approve my deal without verifying my information with me? When the dealer bumped up my salary and you all are involved it and requested to cancel the finding immediately. Americredit immediately took action yesterday Wednesday XX/XX/XXXX and finally returned the deal back to the dealer and asked me to return the vehicle. 

The reference number for the returned deal is XXXX. I have already contacted the dealer and asked the bank to confirm that Im under no obligation to pay anything to them and they confirmed it back to me. I want to make sure that dealer should take the car back without any issues causing me no further inconvenience as Ive already have gone through lots of mental stress because of this situation. Theyre not representing the right lending practices and must be held accountable. 

Thanks,
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX located in XXXX, GA ; EXPERIAN located in XXXX, TX and XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of XXXX, EXPERIAN AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit reporting or other personal consumer reports

After some time after paying off my balance for my target credit card I ended up recieving a notification that my credit score dropped. When i went through all my accounts i noticed target had a balance when it shouldn't have. That same moment i reported fraud to the bureau and to target and I have reported now 3 times that the purchases made were not authorized and there was fraudulent activity with my account.
Product: Student loan

AIDVANTAGE was contacted after I received billing that didn't match what the US Dept. of Education said my monthly bill should be under SAVE. I contacted the US Department of Education on XX/XX/year>. AIDVANTAGE was initially charging me XXXX a month when it was XXXX a month before I recertified. Once I recertified it changed to XXXX based on the SAVE program and AIDVANTAGE is now billing me XXXX a month. My salary is under XXXX a year and I shouldn't be billed more than 10 % of my discretionary income
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was notified that there was a hard inquiry from XXXX XXXX on my report. 
I called XXXX  XXXX but they said they could not see this inquiry because there was ANOTHER account under my social, with a different name, that had been sold to collections.

I called transunion and they said they could not help me unless I had an inquiry delete letter from XXXX  XXXX. 

I called XXXX  XXXX back and they told me the same thing again. They could not help me and this is the credit bureau 's job, they don't have time to do this. 

In the meantime, I looked up the application on XXXX XXXX XXXX  website and did see that the application is in process. I got an application number.

I called transunion again and they recommended I file an identity theft report and get a letter from them to send to XXXX  XXXX. 

I am not understand why I was able to pull the application for the new account right from their website but they could not see anything and refused to help. 

I am worried someone I know is using my information and I would like to know how to get more info on this credit inquiry or at least, what state it was done from.
Product: Credit card

A fraudulent convenience check was written on my account last XX/XX/XXXX. I never had the check in my possession and reported the fraud to Barclay on XX/XX/XXXX. Since then I 've been given the run-around with different numbers to call and XXXX different reference numbers and a case number. Even though I have an email that states " Please be advised that transactions placed in dispute do not accrue finance charges and are not included in your repeat payment amount while the charges are being investigated, '' I am being harassed with late payment emails and threats to my credit rating.
Product: Mortgage

When I refinanced years ago the broker stuck me with a bad deal of a variable rate at 9.25 % with Ocwen now PHHXXXX but I wasn't told any of this until closing at my house so too late to do anything else. I have inquired about refinancing to a lower fixed rate and have been told I don't make enough money even though I pay every month and they said they would charge thousands of dollars in fees so it wouldn't help. Now they are raising my interest rate to 10.25 % even though as far as I can tell interest rates are currently lower than when I closed on the mortgage. I asked about the increase and was given the attitude of they can do what they want and deal with it. I pay extra every month and now they will allocate that money to interest.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX  Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account XXXX : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Product: Debt collection

I did not consent, nor benefit or authorize any of the following inquiries : Inquiry - SYNCB
Product: Checking or savings account

I have some court issues, and the DA requested records release from Chase, they call it a XXXX. This put holds on my accounts and my childrens accounts in the amount of XXXX. I have spent hours dealing with this, and all they say is the conty court ordered this. Both the DA and the judge said they did not. I have my lawyer trying to get my {$3300.00} and my sons {$2700.00} release and his account closed. My lawyer states the have no authiroty to hold my funds unless I owe them money, which I do not. They refuse to release these accounts. My son and daughters accounts should not be affected
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are FCRA violations. 

XXXX  XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$800.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. 
Account Type Collection Balance {$500.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$480.00} Date Opened XX/XX/XXXX Dispute Revolving Accounts show tooltip button XXXX XXXX  XXXX XXXX Status Paid, Closed/Never late. 
Account Type Credit card Balance - Date Opened XX/XX/XXXX Dispute Installment Loans show tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Account charged off. {$3300.00} written off. {$2700.00} past due as of XX/XX/XXXX. 
Account Type Secured Loan Balance {$2700.00} Date Opened XX/XX/XXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative Status Collection account. {$7500.00} past due as of XX/XX/XXXX. 
Account Type Education Balance {$7500.00} Date Opened XX/XX/XXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative Status Collection account. {$4200.00} past due as of XX/XX/XXXX. 
Account Type Education Balance {$4200.00} Date Opened XX/XX/XXXX Dispute Wrong names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer report and notice that I had one late payments on an account. account name XXXX XXXXXXXX XXXX XXXX. The account number are not consistent with all credit reporting agency. 
In accordance with fair credit reporting act. This creditor have violated my rights. Under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also states consumer reporting agency can not provide account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a account under a open end consumer credit report as late for any purpose. I demand these payments be updated to on time as they should be. Thank you