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

My complaint is with coinbase. I have used them for years to buy and sell cryptocurrency. My daughter and I went to XXXX in XXXX and spent 7 days there. Upon my return and trying to sign into my account I gpt the following error message. <P/>Notice of account closure and pending disablement. Dear XXXX XXXX, We have reason to believe you reside in a country in which coinbase is prohibited by law from doing business ( XXXX ) per the sanctions imposed by the U.S. treasury departments office of foreign assets control. As a result, we 've unfortunately had to close your coinbase account. If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us as XXXX immediately and provide us with a copy of a photo ID and proof of your current address. If you account had a balance you will need to contact the U.S. treasury dept to request permission to access your funds. Respectfully, The coinbase team. <P/>I have sent I 'd verification and address proof on XXXX, XXXX, XXXX and XXXX and the only response I have ever gotten was a canned response about them being busy and if my issue is n't resolved please resubmit. I have already applied to the treasury to get my funds unlocked but have never had any response from coinbase as to if they have received my documents .... other than the same message which I will attach. They have no phone number to contact and no address to use, all of which I needed to file for the permit through the treasury. Since my account t is closed I do n't know the answers to many of the questions on the treasury application such as When was it closed? How much money? Address and phone number of the financial institution. <P/>I sent the form in anyway explaining that I could n't get into my account to know when it was closed or how much money was In it as coinbase will not respond. I searched for an address or phone number online and have come up with nothing. I have asked them repeatedly to help me with these answers since I do n't know them because I ca n't access my coinbase account. I 'm very frustrated that I would take almost 2 months without even a personal response or confirmation that they received my information. I feel this company is extremely unprofessional and are ruining people 's lives by holding their money hostage, approximately 12-14k in my case with no regard for expediency or even  communication. Please help me with this issue. It 's like I 'm chasing my tail trying to simply get a response. As far as I know they are out of business based on their lack of communication and my money/and or coins are gone.
Product: Credit reporting or other personal consumer reports

I am very frustrated at this point. This is ridiculous! I contacted XXXX over 30 days ago and they have done nothing to resolve the issues I reported to them regarding my consumer credit report. I haven't heard anything from them and I've see no changes on my credit report. This is causing me emotional distress, as this incorrect information on my report is effecting me from getting a home. They don't seem to be following the rules set out for them as nothing has been done and I have not receive a single update from this company.
Product: Credit reporting or other personal consumer reports

I HAVE CONTACTED EQUIFAX NUMEROUS TIMES IN REGARDS TO THESE UNVERIFIED INQUIRIES ON MY ACCOUNT. THEY HAVE NOT RESPONDED TO MY REQUEST. I HAVE SIMPLY ASKED THAT IF EQUIFAX DOES NOT HAVE THE ORIGINAL PERMISSABLE PURPOSE DOCUMENTS FOR EACH INQUIRY, THEN IT MUST DELETE THESE FALES INQUIRIES. I ASK THAT EQUIFAX PRODUCE THE FEDERALLY REQUIRED DOCUMENTS OR DELETE THESE 7 INQUIRIES. XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX I HAVE NO KNOWLEDGE OF THESE INQUIRIES AND I ASK THAT THEY BE DELETED.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I presented paperwork to the Virginia Department of Social Services/Division of Child Support Enforcement to address the unauthorized obtaining and use of his information without consent. Since the conclusion of the proceeding, the agency has reported a fraudulent debt, even though there is no contract or obligation of a debt on record.
Product: Mortgage

This has been our primary home since XXXX and were up to date with our mortgage company ( LOAN DEPOT ) up to huricane Irma. We are a miltary family with girls under the age of XXXX. 

We contacted loan depot after the huricane and they offered us the option of a disaster modification. I was told that our interest rate would not change since this was a VA loan. After making our trial period payments for {$820.00} for 3 month, they accepted the disaster modification. They sent me the final paper work to have notized however I noticed that the interest rate was increased and we called Loan Depot for an explanation. I was not given an clear explanation by the rep and was told to sign the documents. I asked for a supervisor and the rep noted in the account that I did not want to proceed with the modification which was not true. After finally speaking to a supervior I was told that the rep gave me the wrong information regarding the interest rate. 

I was unable to get the documents notarized because the documents had my maiden name and the notary could not sign them. I notified Loan depot and I was told they would send me a new packet which I did not receive. Instead I received a letter denying the modifcation because they did not receive the notized docs back by the deadline. They are not allowing me to make a partial payment only a payment in full. 

I filed an appeal since I could not sign the documents they had mail me and provided them with support documents ( marriage certificate and appeal letter ).  Today XX/XX/XXXX I was told our appeal was denied. I am filing this complaint because due to the lack of attention to our case this is affecting us and they have denied to reopen my case for the disaster modification. This error by loan depot caused me not to be able to have them notarized.
Product: Credit reporting or other personal consumer reports

PLEASE SEE PROOF ATTACHED! 



I am writing to file a formal complaint against Equifax for inadequate investigation practices and violations of the Fair Credit Reporting Act ( FCRA ) concerning the fraudulent accounts on my credit report. My name is XXXX XXXX XXXX, and my complaint is outlined as follows : Background : I have been in dispute with Equifax regarding fraudulent accounts since XX/XX/2023, and despite multiple requests for validation, the inaccurate information remains on my credit report. Equifax was suppose to show me exactly the proof how they checked things, give exact details that the debt collectors shared with them to confirm the accounts, who at Equifax talked to the debt collector, who was the person they talked to with the debt collector agency, and how Equifax made sure that the information from the debt collector was right and not made up. Equifax also had to explain how they made sure the debt collector 's records were correct. Lastly, Equifax should say how the debt collector confirmed that I'm the person they're talking about. Equifax failed to provide this information over a 6+ month span and did not comply with 15 USC 1681i ( a ) which states : Equifax must conduct a reasonable reinvestigation within 30 days of receiving a consumer 's dispute notice.

Violations and Disputes : Failure to Conduct Thorough and Timely Investigation : Despite my continuous requests for validation of the following fraudulent accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$26000.00} Equifax has failed to perform a thorough, proper, and legal investigation within the mandated time periods as per consumer laws. 

Penalties : 15 USC 1681o states that if EQUIFAX is found to have negligently violated any requirement under the FCRA, they may be liable for actual damages, attorney 's fees, and, in some cases, punitive damages.

Response and Continued Non-Compliance : Equifax 's response to my Consumer Financial Protection Bureau complaint dated XX/XX/2023, XX/XX/2023, XX/XX/2023 suggests that they have completed their investigation. However, the summary provided lacks transparency on the specifics of their investigation process and does not address the multiple instances of the same fraudulent account being reported.
Product: Credit reporting or other personal consumer reports

I want this credit report off my account. All they did was given me a write off but I dont know what that if fixing because im not going to pay for a card that i am not using. I was XXXX just getting i to the XXXX when Victoria secret offered the card I thought it was just a store card. So they have been reporting dues to my credit when j havent even used the card since they had gave it to me i dont even know where that card is. I need this to get taken care of and off my account. It shouldnt have been on my account in the first place. Please help
Product: Checking or savings account

Just started business with US Bank on XX/XX/year>. I created a checking accounts, savings account, credit card account, two IRAs, and a brokerage account. I currently have two pre-existing IRAs moving to US Bank via XXXX from XXXX XXXX worth roughly $ XXXX and just attempted to transfer $ XXXX on XX/XX/year> from a XXXX XXXX savings account to the US Bank savings account. During the savings account transfer, the US Bank website requested me to verify my account by sending a push notification to my US Bank mobile app. Upon successful biometric verification in the app, the website then said it encountered an error and logged me out. When I immediately attempted to log back in, I was notified that my account login was disabled. The error message I now receive is " Your login is XXXX. Please call XXXX for help. '' I immediately called customer care and was told that I need to wait XXXX hours before being able to have access to my US Bank account. I was told I will need to call in again on XX/XX/year> as my account will not be automatically re-enabled. I have large transfers inbound and direct deposit setup to be received from my employer but now have no ability to see anything wihthin my accounts as US Bank has chosen to disable my access through some vague process that is archaic and doesn't give customer support agents authority to override.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX Asked to remove illegal late payments was declined .. 15 usc1681b permissible purpose of a consumer report the law clearly states in general subject to to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other the number 2 in accordance with the written instruction of the consumer to whom it relates. Did I give you permission to furnish this on my credit report furthermore the fair credit reporting usc1681-2A1 exclusions from a consumer does not include subject to subsection 1681 S3 of this title report containing information solely as a transaction or experiences between the consumer and the person making the report. Delete the XXXX late payment from my credit report this agency is in violation of 15usc1681 failure to respond I can take legal action in violation of the law under civil liability 15usc1681 N 15usc 1666b timing of payments - a creditor may not treat a payment on a credit card plan as late for any purposes unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required 15usc1681b Reasonable procedures- It is the purpose of this sub chapter to require the consumer report agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit personal insurance and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality accuracy relevancy and proper utilization of such information in accordance with the requirements of this subchapter 4- There is a need to insure that consumer reporting agencies excerise their grave responsibilities with fairness impartiality and a respect for the consumers right to privacy.
Product: Debt collection

The receivable management service states XX/XX/year> violence was open of {$280.00} and I have no knowledge. I am not an any contractual agreement with them at all. And I do not have any accounts with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, thanks for your help! 
So On XX/XX/2020 For some reason I have an amazon account charge on my Chase Credit Card. I don't use this card, it's only for emergencies and credit building. About a month ago I was checking my credit history and bam, I noticed that I had a late payment. I went back and looked through and I haven't used the card for years, My only thought is that it's connected with amazon that it somehow used the card for whatever reason. I contacted Chase to see if they could remove the ding on my credit history. They said they couldn't. The thing is I haven't used this card in a long time, Because they partner with amazon and it somehow got charged I figured it would only be fair to take the report off my credit. I paid the amount, thats not the point I just don't want this to ruin my buying a house. It's super unfair, its the only ding on my report and it dropped my score almost 100 points for a purchase I never made! Thanks for your help!
Product: Credit reporting or other personal consumer reports

My information may have been impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person Under The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I dispute two transaction from the same merchant. One is for XXXX and the other one for XXXX both charges are about the quality of work that they did on my pool remodel. They left my pool hazard issues that will now cost me money to repair it. The credit card closed my dispute and didnt take the pool inspection into consideration. They said that they need to see a refund from the merchant. However, the merchant is not trying to do a refund because if that was the case I would not be contacting my credit card to dispute the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies listed in this complaint are indeed financial institutions defined under Federal LAW which they should know.

Title 15 USC 6802 6803, 6804 The Gramm-Leach -Billey Act ( GLBA ).

Congress wrote into LAW Financial Institutions MUST provide federally protected consumers like myself a NOTICE giving me the right to OPT -OUT of credit reporting and they DID NOT. 

The Law also states that they can not transport My non public personal information without my CONSENT/ PERMISSION! And if they do then this is ID Theft!!!!! 

Additionally, these XXXX companies continue to illegally VERIFY with your consumer reporting agency when my dispute is based Solely upon information that they are illegally reporting when Federal Law says they must provide NOTICE before reporting my PRIVATE information. 

How can these companies report then ILLEGALLY verify information that shuld not be reporting on my consumer reports in the first place? 

Delete these accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX - # XXXX XXXX XXXX  - # XXXXXXXX XXXX XXXX- # XXXX XXXX XXXX - # XXXXXXXX XXXX XXXX - # XXXX I never did business or signed any contracts, notices. They have NO right to report my NON PUBLIC PERSONAL INFORMATION.
Product: Debt collection

On Friday XX/XX/XXXX I received a call from my ex wife stating she had recurved a call from a legal representative stating that a Court case has been filed against me. My mother also received the call. They were told to pass along a callback number to me to discuss the court case. 

I called the number back and I was informed thats I owed a {$500.00} debt from a pay day load. I told them what I could pay on it but the woman insisted that the case has already been filed and its not about the money at this point she also stated that After court is settled I will end up owing over {$1500.00} dollars ( do not remember the exact amount ). ( Deceiving amout owed ). 

She went further by saying I have committed fraud and will be charged accordingly in the court case ( threatening criminal action ) She then put me on hold and said they would be willing to put the court case on hold if I would agree to their payment plan. I agreed. I also asked them to not contact anyone of my friends, relatives, or job since they now have my updated contact info. Turns out they had my correct contact info Well before this matter. When I asked them why they contacted my ex wife they told me it wasnt them that contacted her. It was actually XXXX county courts trying to locate me ( impersonation of a government official ) The following week one of my payments didnt go through because my check had not yet been deposited for the day. They called my ex wife again. When she tired to file a dispute with them allegedly hung up on her. When I called them back I told them that I will not deal with their harassing calls. I also Informed them that I am in the middle of filing bankruptcy. The representative told me my babkruptcy will not cover a previous debt ( deception ). They also said they will notify the courts to move forward with the case. 

To say the least they have used threats of fraud, impersonated a government official, lied, and harassed my family after I specifically asked them not to. I would like to settle this matter but not with a company who uses deceiving, unlawful, and unethical business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX   XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit card or prepaid card

After being approved for a credit card through BBVA for {$6000.00} i set up automatic payments through my credit union. 

A payment was scheduled to be paid on the XX/XX/XXXX. This payment was rejected. I then tried to pay the balance of the card on the XX/XX/XXXX and it was rejected again.

I had set up the automatic payments prior to the date necessary to have the payment made, and because the system did not make the payment for its own reasons, my credit limit was reduced from {$6000.00} to {$1000.00}. With an outstanding balance of {$800.00} the usage of the card went from 6 % to over 90 %, affecting my credit rating. 

Since calling BBVA 4 times now and being put on hold for 45 min plus, I have had no assistance in getting the account paid and still not been able to bring the account up to date.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and file complaint to EXPERIAN for certain inaccuracies on my credit report, which I believe do not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My correct address is XX/XX/XXXXThe FTC report numbers related to this complaint are XXXX, XXXX, XXXX, and XXXX. Upon reviewing my credit file, I have identified several questionable entries that appear to be duplicative or otherwise inaccurate, with no evidence of authorization or approval by me. These entries do not reflect any transactions, accounts, or activities that I have knowingly initiated, and I believe them to be fraudulent in nature. 

Under the FCRA and XXXX, I am entitled to dispute any inaccuracies on my credit report and to request that unverified or erroneous information be removed. I formally request that you investigate these items and, if they can not be properly verified, remove them from my credit file in accordance with federal and state law. Per FCRA Section XXXX ( 15 U.S.C. 1681 ), I expect that any unverifiable information be removed or corrected, and under XXXX XXXX XXXX, Section XXXX, I am entitled to receive proper documentation proving the accuracy of these entries. I expect a thorough investigation and timely resolution of this matter, and should these entries remain unresolved, I will take further legal steps to protect my rights.
Product: Debt collection

On Tuesday, XX/XX/XXXX at XXXX XXXX EST, XXXX XXXX from XXXX XXXX called my work. I advised him that he was calling a business line and can not call this number. He then called back three times in a row and left the following message. 

XXXX XXXX Voicemail from XXXX. 
52 seconds Good morning calling regarding XXXX XXXX. My name is XXXX XXXX calling with the Weinberg Group. Our firm was retained to a mutual client with obviously you have no intentions on setting up any kind of voluntarily payment arrangement just your history and hanging up and ignoring our collection efforts. We are gon na recommend a judgment to be filed against you to secure that final balance that is been unpaid since XX/XX/XXXX. If you'd like to give a statement or have any legal representation please contact our office. You do have eight of the reference numbers that we will be calling. You can call me directly at XXXX ext. XXXX. This will be our final notification. Thank you. 

Then on Wednesday, XX/XX/XXXX at XXXX XXXX  EST he called my work again and I did not pick up. 
XXXX XXXX Voicemail from XXXX. 
1 seconds This person called but did not leave a message. 

XXXX XXXX EST on XX/XX/XXXX, he called again and I did not pick up. 

XXXX XXXX EST on XX/XX/XXXX, he called again at which point I picked up and I advised him again that he was calling a business line that does not allow these calls and not to call again. 

He called back at XXXX XXXX EST on XX/XX/XXXX and I again advised him not to call this number, it is a business line and it is not allowed. 

XXXX XXXX  EST XX/XX/XXXX, he called again, I did not pick up. 

This is beyond harassment and he is knowingly putting my job in jeopardy. This is very unprofessional and needs to stop. He has my personal phone number, there is no reason for him to call and harass me at work repeatedly.
Product: Credit reporting or other personal consumer reports

I have requested that date of first 30 day late be corrected onXXXX, XXXX & XX/XX/XXXX and sent in proof that the other credit bureaus are showing this was late in XX/XX/XXXX not XX/XX/XXXX. You still have not corrected it. According to the FCRA all bureaus must match on an account or it is deemed inaccurate and must be deleted. I want you to either fix this or delete it for being inaccurate, since the data furnisher ( XXXX XXXXXXXX ) is not being consistent across the credit bureaus.
Product: Credit reporting or other personal consumer reports

A few months ago, I outlined several inaccuracies on my credit report and submitted a detailed list of these discrepancies. Unfortunately, the responses I received did not address all the issues, and some items were completely overlooked. 

I then submitted a reinvestigation request to you, along with direct disputes. While some issues were resolved, many remain unaddressed. Most recently, I provided the responses received from the creditors, which highlights the inaccuracies in your reporting. However, these inaccuracies have not been corrected. 

I am requesting to DELETE these outstanding issues on my credit report. It is crucial that my credit report reflects accurate and up-to-date information. 

Thank you for your prompt attention to this matter.