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

XXXX XX/XX/XXXX, I opened a Coinbase Wallet account. I was prompted to create a username and password. I was never prompted to establish an account restoration 12 word phrase or any other mechanism for that matter. On that same day, XX/XX/XXXX, I successfully transferred {$1300.00} worth of Bitcoin and {$1100.00} worth of ETH from my Coinbase account to Coinbase Wallet. This transaction is documented in the transaction log of Coinbase. I still have the record for that and it shows it in my Coinbase activity log. 
-Recently, ( XXXX, XXXX, XXXX ) I tried to log in to my Coinbase Wallet, but could not. I still have access to my Coinbase account. The strange thing is that the Coinbase Wallet App recognizes my username and password because if I try to put a wrong password it will respond with " Incorrect, try again '', but when I use my correct credentials I get the response " Authentication Failed '' ( see attachment, screen shot ). I am not sure why I get the latter message. Could it be that Coinbase Wallet upgraded their security and that my credentials need further authentication? I am happy to prove that I am the rightful owner? Unfortunately, I tried getting help or answers from Coinbase customer care, but never got anywhere with that. I spent multiple hours over multiple day : from XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- I spent over XXXX on the phone with customer care ( see attachment, phone screen XX/XX/XXXXXXXX XXXX XXXX XXXX without anyone picking up the call. Their customer service using the Coinbase App is no better : AI-generated responses that keep going in circles for a long time as you wait for an illusive " live agent ''. Finally, and after many hours, a " live agent '' comes on line and repeats the circle by responding with the same templated scripted cut-and-paste generic answer : recommending restoration of the wallet account with the 12 word phrase. A phrase that was NEVER issued in the first place. There was never a genuine attempt to trouble shoot or give useful suggestions or answers. The " live agent '' types and never actually talks with you. Oh, and the e-mail customer care service dragged on for days with the same cut-and-paste generic response. In other words, there was effectively no customer care or functional tech support to interact with. Sadly, it was all a wasteful and stressful experience. 
-BTW, I was issued two case numbers, XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This scam involves XXXX XXXX XXXX. On XX/XX/2019 he transferred me XXXX USD to my PayPal account for no reason. The transaction went through and I immediately returned the money in full through PayPal. One month later on XX/XX/2019 he cancelled the original XXXX USD he sent me in XXXX, leaving my account in the negative ( XXXX USD ) and he walked away with the money and closed his PayPal account. I have contacted PayPal and they claim there is nothing they can do. I have messages from XXXX that state this is something that he has done lots of times to many different people.
Product: Credit reporting or other personal consumer reports

I am unable to obtain a accurate score or to have the information updated. with Experian XXXX or XXXX they are violating several U.S.C. codes as well as Metro 2 compliance and the FDCPA. I have made multiple attempts as well as phone calls with no resolution or resolve in these matters. I will not tolerate the level of unfairness in regards to these multiple violations this results in damages that I will seek to recover through litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is. XXXX, Experian and XXXX are report inaccurate information on my credit report, which is affecting my ability to get approved a home. I have tried to fix this issue and have wrote them several times alerting this of the inaccurate and the violations that they are making to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo ceo, XXXX XXXX, is advising his subordinates to improperly investigate the employee who delayed processing of my payment which was a bank error and has caused an incorrect reporting that I paid late. The employee vowed to correct her mistake and never has. XXXX XXXX has continued to direct his staff to ignore this matter after their incomplete investigation and continue to only send me scripted impersonal correspondences that are completely dismissive and insincere.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Santander withdrew {$10000.00} from my XXXX XXXX XXXX. I had requested the transfer from XXXX XXXX on Santander 's website. I have accounts with both banks. The money left my account with XXXX XXXX but never made it to my account at Santander. 

On XX/XX/XXXX I called Santander customer service, and again on XX/XX/XXXX. On each call, I was given conflicting information about where my {$10000.00} was and how I would get it back. 

On XXXX I called Santander Customer Service again and was told they had no history of withdrawing the money, or that I had requested the transfer. 

On XXXX I went to the local Santander Branch in XXXX. The local rep spent an hour calling different departments within Santander and finally, it was resolved that I would receive my money on XXXX. 

On XXXX I never received my money. 

On XXXX I went back to the local branch at XXXX XXXX XXXX in XXXXXXXX XXXX They told me there was nothing they could do and to go to XXXX XXXX. XXXX XXXX has been helpful all along and has told me they can't request the money be recalled as Santander pulled the money. 

I had the local police come to the local branch to help encourage the branch manager to escalate the issue. She was unable to do anything to resolve the situation. ( XXXX XXXX was on speakerphone during the entire time. ) I then called the fraud department with Santander and had XXXX XXXX on the call. After XXXX minutes the fraud department said they would file an internal complaint. They will not issue me a provisional credit, even though I brought this to their attention on XX/XX/XXXX and this is over the 10 days they are required to refund me the money per Reg E.

The representative from Santander ( fraud specialist # XXXX ) ultimately said she was putting me on hold, but actually hung up on me.
Product: Credit reporting or other personal consumer reports

In my original complaint regarding the inaccurate reporting of a collection account by XXXX, associated with XXXX  XXXX XXXX XXXX, I provided detailed information showing that the account had been fully paid. Despite this, the account is still being reported as open with a balance of {$910.00}, which is causing damage to my credit report. 

On [ insert date of original complaint ], I submitted a formal dispute through the appropriate channels. I received a response from TransUnion on [ insert date of response ], stating that they were unable to locate my credit report. Following this, I sent the requested identification and documentation, but the issue remains unresolved, and the inaccurate information is still listed on my credit file. 

XXXX XXXX XXXX Context : It is important to note that under the recent student loan relief efforts implemented by the XXXX administration, there have been significant changes in how student loans and related accounts should be handled. These reforms provide protections for borrowers, including more accurate reporting of loans and collection accounts. The ongoing incorrect reporting of this account, despite it being paid, goes against both the Fair Credit Reporting Act ( FCRA ) and the intent behind the XXXX administration 's student loan relief policies, which aim to protect borrowers from harmful credit practices and ensure accurate reporting of student debt. 

Relevant Legal Protections : FCRA Violation : Under 15 U.S. Code 1681s-2, data furnishers must report accurate information. The continued reporting of this account as open and derogatory is a violation of this law. FDCPA Violation : As per 15 U.S. Code 1692e, debt collectors are prohibited from providing false or misleading information. Since the debt has been settled, it should not appear as open or delinquent.

Student Loan Relief Protections : Under new federal protections and relief measures, the inaccurate handling of student-related debts, such as this one, undermines the goals of the XXXX administrations relief efforts and the protections guaranteed to borrowers. 
Request for Resolution : I am requesting immediate action to correct this inaccurate reporting. The account should be updated to reflect a {$0.00} balance and " Paid in Full '' status, and all derogatory remarks should be removed. If this issue is not resolved promptly, I will be left with no choice but to take further legal action to enforce my rights under federal law and ensure compliance with recent student loan relief protections.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and submitted all the documents needed to remove the account. It's been a few months I contacted Transunion and they still are reporting the account. 
Account number : XXXX Account Name : XXXX Amount : {$10000.00} According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my information reporting on my Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

UPON CHECKING MY REPORT THERE'S A LOT OF FRAUDULENT HARD INQUIRIES THAT ARE STILL REPORTING FROM MY REPORT AND THESE ARE ALL FRAUD AND UNAUTHORIZED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed fraudulent information appearing on my credit reports multiple times with Experian and they sent me letters stating they will not investigate. 

The fraudulent information is : XXXX {$2800.00} and XXXX XXXX XXXX  {$6000.00} I disputed fraudulent information appearing on my credit reports multiple times with XXXX and they sent me letters stating they will not investigate. 

I have included a copy of my identity theft report.
Product: Credit card

Applied XX/XX/year>. Received the card XX/XX/year>. After few transaction it got blocked. Called customer service and was informed to wait for reference number and call. Been waiting since XX/XX/XXXX and didnt received one. It is already XX/XX/year> and cant still use my card. The sign up bonus ends XX/XX/year> and can not even use the card since the application. This card have a fee of XXXX but unable to use the card, the customer service of the company keep saying of calling them back once I received the reference code from the mail and I keep insisting I am not receiving any mail. I think CITI is trying to delay this inorder for me not to be able to use the card and not able to meet the XXXX treshold signing bonus spent required. I am asking for assistance for this since I am not being taking care of, called multiple times but no response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My Real estate county property taxes were due in XX/XX/2020. XXXX XXXX states they paid them {$2300.00} from my escrow account. I Received a call in XXXX from the assessor 's office stating they were never paid and now are delinquent.I call my mortgage company and they stated they would take care of it and they said they paid them {$2300.00}. Now the mortgage company is asking me to reimburse my escrow account for {$2500.00} for the shortage in my escrow account or my house payment will increase by {$210.00} per month. I can not afford this and I feel like someone is lying to me about the payment of my taxes and fraudulently taking the extra funds from my escrow account. Please help me so I do not lose my home.
Product: Credit reporting or other personal consumer reports

My identity has been compromised, which led to more than one account being fraudulently opened and also multiple hard inquires on my credit report as well. These inquires include : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ALL TRANUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL EXPERIAN )
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 3 credit bureaus 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. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$42000.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$45000.00} This complaint is my follow-up complaint to make sure the accounts are thoroughly investigated.
Product: Credit reporting or other personal consumer reports

Ongoing Violations of Regulation F and the Fair Credit Reporting Act Failure to Investigate, Verify, or Delete Disputed and Fraudulent Items FTC Identity Theft Report # XXXX on File Dear TransUnion Legal Department, I am submitting this formal legal notice concerning your continued violations of both Regulation F ( XXXX XXXX XXXX ) and the Fair Credit Reporting Act ( FCRA ). Despite my properly submitted disputes dated XX/XX/XXXX and XX/XX/XXXX, and my official filing of FTC Identity Theft Report # XXXX, you continue to report accounts and inquiries that are inaccurate, unauthorized, and clearly connected to identity theft. 

Your refusal to provide the method of verification for disputed entries violates 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Continued reporting of accounts without my consent violates 15 U.S.C. 1681b, and your failure to block identity theft-related information after formal notification is a violation of 15 U.S.C. 1681c-2.

Moreover, your inaction demonstrates a direct breach of Regulation F, which mandates that consumer credit data must be communicated clearly and verified through lawful and transparent procedures. No such validation has been provided to me. 

Disputed Accounts Still Reporting ( Must Be Permanently Deleted ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Note : XXXX was intentionally omitted as per your directive XXXX 

You Have Failed to : Provide a description of the reinvestigation procedures used Deliver the method of verification for disputed items Supply original applications or contracts with my wet signature Block identity theft-related data as required under 1681c-2 Uphold Regulation F standards for validation and communication Immediate Legal Demands : Permanently delete all accounts and inquiries listed above Provide written confirmation of deletion within 15 calendar days Cease any reporting, furnishing, or resale of my credit data without documented written authorization Failure to Comply Will Result In : Formal complaints to the CFPB, FTC, and New Jersey Attorney Generals Office Legal action under 15 U.S.C. 1681n and 1681o Demands for statutory, actual, and punitive damages for willful noncompliance This is your final opportunity to comply with federal law. I expect full removal of the above data and a written response within the timeframe provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$940.00} XXXX XXXX  XXXX XXXX Balance Owed : {$5400.00}
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach that resulted in identity theft. Consequently, multiple unauthorized accounts and credit inquiries have appeared on my credit report without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Inaccordance 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX, XXXX XXXX  : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX OF XXXX : XXXX, XXXX XXXX XXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Bank account or service

On XXXX/XXXX/2016 I received a refund check or check for {$260.00} from Bank of America Home Loans located at XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. On XXXX/XXXX/2016 at approximately XXXX hours, I went to cash the check at Bank of America in XXXX XXXX located at the XXXX branch area. The bank teller agent told me that he was NOT able to cash in the check for me due to insufficient funds. I asked the bank teller agent why would Bank of America sent me a check with insufficient funds? The agent told me to contact Bank of America. I was very upset because I waited almost 25 minutes in a very long line and short staffing from Bank of America. The bank only had XXXX bank teller agents at the time serving XXXX-XXXX customers. The agent refused to assist me further by saying he does NOT know anything and that he wanted me to call or contact Bank of America Home Loans. I want to know why Bank of America sent me a " blank '' check or a check with insufficient funds? The check number is XXXX. Treasury id : XXXX. Another address from Bank of America is XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX in XX/XX/XXXX from XXXX, and financed {$19000.00}. I have been making bi-monthly payments of {$220.00}. I have made 33 such payments, every single one on the day that it was due, for a total of {$7500.00}. 

As of today, XX/XX/XXXX, the payoff on my loan is {$19000.00}. 

The loan is financed through Bridgecrest XXXX. I would like to have this issue investigated, please. 

Thank you.