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

Hello, I live in XXXX and found out about the Blockchain.com company. I am a verified user of the blockchain company account. I started investing the money I saved in XXXX from my salary every month. Everything was fine. My total account balance was XXXX. And on XX/XX/XXXX at XXXX XXXX I received a message from the support of this company that in connection with my activity on the account on the BlockchainXXXX .I I need to provide additional documents for verification XXXX more time. If I dont do this within XXXX hours, the account on the BlockchainXXXX will be blocked. I asked what documents and where to send several times. But there was no answer. Then I thought that since I dont have the information where to send documents and to someone I wont be able to withdraw my money. I changed the XXXX in the amount of about XXXX and tried to withdraw it to my bank account. But the money did not come to my account. I am writing to the support on the blockchain but there is no solution or normal answer. I am not I was notified that I would not be able to withdraw even my small funds in the amount of XXXX. I have no information. XXXX is a large amount for me and my family. I can not contact and solve this problem. The support work is bad and I am still left without my savings. I believed in this company that it is serious. I pay them commissions. Is this kind of attitude towards clients normal? I was left without my money and without information on how to solve this problem. They created stress for me my money. now I dont have my money but only headaches.
Product: Debt collection

Please note I'm redoing this complaint, called to canceled the orginal one # XXXX because I didn't have proper documents attached. 
I recieved a call from a medical debt collector asking for me to make an immediate payment of {$310.00} over the phone. I suspected this to be a scam and asked if they would mail me documentation and if it truly was mine then I'd make payment. The woman told me I would not get anything by mail and demanded payment. I continued to question the legitimacy and she hung up on me. I still to date have not received anything by mail or proof of this medical bill belonging to me. This phone conversation took place on XX/XX/20 at XXXX. If this is a real collector that call should have been recorded & this information can be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorize these companies to run my credit. Please remove them.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX said I asked for a loan from XXXX and XXXX XXXX  a day before I found out my address been changed cards issued out and the one I closed I had seemed overc20 cards and told me they was not real cards.they refuse to cancel online access and telephone access cause I can still use my phone number to gain access to my account and the day before my two step had been removed then could not verify but called back and it was
Product: Credit card or prepaid card

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control
Product: Credit card or prepaid card

On XX/XX/2020. Someone Went to a ATM in XXXX XXXX to check my balance on my EDD prepaid card. On XX/XX/2020 that person checked the balance again at a ATM in XXXX XXXX. At that same ATM on XX/XX/2020 someone withdrew {$160.00}. I did not authorize none of these transactions. I only withdraw money in the city I live in at my local Bank of America in XXXX, California. I have never check my balance or withdrawn money in XXXX XXXX. On XX/XX/2020 ; I checked my Bank of America account on the Mobile phone APP and noticed all these transactions I did not approve. I called the fraudulent number with Bank of America to notify them I did not approve those 3 transactions. The representative files a fraudulent claim and reissued me a new prepaid debt card. The rep. told me it will take at least 25-40 days before I will get my money returned and I will receive a letter in the mail about my claim and an email confirmation. I received my new debit card but never received an email confirmation. I received a letter in the mail that my claim. 
The day I called the fraudulent claim number on XXXX XXXX, 2020 ; was the same date they wrote a letter about my claim ; that I received in the mail on XX/XX/2020 ; stating, " The above claim has been closed. '' " Your claim has been closed because we believe the account or claim have been the subject of fraud pr suspicious activity. Any temporary credit was applied to your account related to this claim, including any related reimbursement or fees, has been or will be debited from your account and reflected in your available balance, if any. '' CLAIM NUMBER : XXXX Account ending : XXXX. 

To date ; I have not received my {$160.00} reimbursement. 

On XX/XX/2020 ; I tried to login to my account online. When I put in my user name and password, I could not access my account. On the screen it informed me, " Your account can not be accessed. Please call the number on the back of your card ''. I called Bank of America and told them what was on my screen and I was told that my account was frozen on XX/XX/2020 2 days after I received my EDD Deposit. I was never notified about this by Bank of America and only found out when I tried to log in to my account. The representative file paper work to unfreeze the account. 

To date ; my Bank of America account is still frozen and I can not access it online.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late Fall XXXX there were fraudulent charges to my XXXX 's credit card. I reported the fraud to XXXX XXXX and was told not to pay the balance, that XXXX XXXX would take care of it. XXXX XXXX did not take care of it. When I received my next statement my account was marked as late with the charges remaining. I called XXXX 's again and was told not to pay, everything would be removed from my account. The charges were still on my next statement with additional late fees. This cycle happened ( call, be promised everything would be taken care of, find out things were not taken care of ) until late XX/XX/XXXX when I finally got someone to remove the charges. The charges were finally removed and XXXX 's sent me a letter saying they would remove all charges and fees and report the situation to all 3 credit reporting agencies. I should have stayed on top of my credit report, but I did not. Looking at my credit report in XX/XX/XXXX I noticed that the late notices are still on my credit report from XXXX XXXX. I filed a dispute with all 3 credit reporting agencies, uploading a copy of the letter XXXX 's sent me. I called XXXX 's to inquire as well. XXXX 's performed " an investigation '' and told me " the charges were made in XX/XX/XXXX and weren't paid until XX/XX/XXXX ''. I told them what actually happened, and was asked to fax them the letter that they sent me, because they did not have a copy of it. To reiterate : I had to fax XXXX 's the letter they sent me, because they did not have a copy even after their " investigation ''. I never heard from them again after sending a copy of the letter they sent me. My disputes with the credit reporting agencies came back " verified the information on the credit report is accurate '' even though the letter I attached to my dispute directly proves that it is not.
Product: Debt collection

Me and my x spouse " XXXX '' separated in XX/XX/XXXX. However, he open a Wells Fargo Credit Card under his name only in XXXX. He added me as a authorize user in XXXX, that I was not aware of, nor did I ever use the card for personal use or for his business. He filed chapter XXXX in XX/XX/XXXX and Wells Fargo is holding me personally responsible and have changed all bank statements under my name, even after I asked to be removed as a authorized user, requested all credit card statements showing I didn't use the card, nor was aware I was a authorize user on the car. I have filed complaints with Wells Fargo, all three credit agencies and have a message from his Bankruptcy attorney stating I was only a authorize user and not responsible for this credit card. My credit score was in XX/XX/XXXX a XXXX and since XX/XX/XXXX its a XXXX. No one is assisting me in fixing my issue nor taking this off my credit score even though I have proof it was in his name since XXXX and he added me without my authorization in XXXX, and now all statements are in my name only
Product: Debt collection

This company has repeatedly reported this collection on my consumer credit reports and will not provide proof of this account. I have reached out multiple times requesting proof that I owe the amount stated for multiple years and still no response. I have been trying to dispute this account and the company keeps saying it is accurate. I have also requested a copy of the original contract that I physically signed, supposedly agreeing to their payment terms when I opened the said account, but this company has not provided it. The said amount is XXXX stating the account was opened in XX/XX/year> which is inaccurate and unverifiable.
Product: Mortgage

United XXXXXXXX XXXX and its escrow sub-servicer, XXXX XXXXXXXX, did not pay or disburse my homeowners/hazard insurance by the due date. 

****United XXXXXXXX XXXX and XXXX XXXX XXXX dba XXXX XXXX clearly violated Regulation X, 12 CFR 1024.17 ( k ). 

****My mortgage refinance closed with United XXXX XXXX   XXXX XX/XX/2019. At the time of closing, an escrow account was established to pay property tax and homeowners/hazard insurance. My homeowners insurance policy was due XX/XX/2019 and no payment was made by my mortgage servicer. It is important to note that I have not been 30 days late on a mortgage payment and the escrow account has sufficient funds to pay the insurance amount. 

****It is reasonable to think that United XXXX XXXX and/or XXXX XXXX deliberately failed to pay my homeowners insurance policy in order to issue FORCE PLACED INSURANCE. This unfair, deceptive, abusive act and practice should not be allowed. 

XXXX*If United XXXX XXXXXXXX and/or XXXX XXXX did not purposely fail to pay my hazard insurance, this it was INCOMPETENCE on United XXXX XXXX for failing to adequately supply its sub-mortgage servicer with all the information to pay my hazard insurance. If United XXXX XXXX  did supply XXXXXXXX XXXX  with my hazard insurance information, then the INCOMPETENCE falls on XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the claim under Section 1681o of the Fair Credit Reporting Act ( FCRA ), which alleges negligence and noncompliance in relation to my credit report. After thoroughly reviewing the situation and the information provided, I believe that the claim is unfounded, and I respectfully request a reconsideration of the matter. 
I would like to address the following points regarding the dispute : 1. Negligence Allegation : I understand that under Section 1681o, there are certain expectations and obligations regarding the accuracy and timeliness of information reported. However, it appears that the allegations of negligence are based on inaccurate or incomplete data. I have consistently made every effort to comply with all requirements, including timely payment and proper reporting of my credit information. No evidence has been presented showing that I failed to meet my obligations in a negligent manner. 
2. Noncompliance Allegation : I also dispute the claim of noncompliance. I have made diligent efforts to ensure all relevant information is provided in compliance with the Fair Credit Reporting Act, and I have followed all instructions and deadlines accordingly. If any errors occurred, they were due to factors beyond my control, such as incorrect reporting by third parties or failure on the part of the involved institutions to meet their compliance obligations. 
3. Request for Documentation : In accordance with the Fair Credit Reporting Act, I request that you provide clear documentation supporting the claims of negligence and noncompliance. Specifically, I would like to see any relevant records, communications, or reports that led to the determination of these allegations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I foundthat under section 605b of the FCRA you are required by law to remove & block any itemswhich are found to be opened due to identity theft. The dispute items do not belong to me.Im attaching the required FTC Report for you and the bank 's records ( learned throughmore research both parties require ). Please block/remove these files. If you feel there is apossibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that eachitems are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide anyrecords & claim the item is verified please understand I will seek legal action. I do not takekindly to games nor does my attorney. SO please comply with the law so this matter can behandled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX. XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have really two more complaints other than them not taking any responsibility for their role in the data breech and my information being tossed around. They use the word alleged identity theft. I was again going on over my credit report preparing myself for the next surprise and seen a child support report from Experian that I knew was incorrect. Experian had reported that I havent made any payments in years knowing that to be not true I disputed it. Within 48 hours I think closer to 24 hours they already had a decision that it was accurate information. Obviously there was no investigation done. My dispute was on the accuracy of there report not any amount. I was under the impression through FCRA Experians main job is to report accurate information. A simple phone call or message asking if any payments were made in XXXX  would have all proven me right. I know to them this is minor but to me its my life. Second I disputed inquires I have 9 hard individual inquiries within a short period of time. XXXX had XXXX problems but Experian immediately validated. Its like they get my dispute and at most do a halfway check go of whos ever word and validate.
Product: Credit reporting or other personal consumer reports

I recently had a credit score of XXXX, but an incorrect dispute was made without my knowledge against one of my accounts with capital one causing me to go from a score of XXXX to have no credit or credit history at all. I have been diligently trying to reach someone who can assist me with correcting this information. dispute number is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report TO EQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EQUIFAX 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: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I am XXXX XXXX XXXX and the reason I am writing to you is complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit reporting or other personal consumer reports

I am writing to address an error on my credit report, which was inaccurately processed by XXXX XXXX XXXX XXXX The bank failed to send statements due to a very small balance. Upon identifying this issue, I promptly contacted XXXX XXXX XXXX XXXX XXXX the error. They acknowledged the error in their recording software and agreed to update the payment status to " open/never late '' to accurately reflect my payment history. It is imperative that this correction be made on my credit report to ensure the accuracy of my financial standing. I kindly request that you update this information accordingly to reflect the correct payment status. 

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

Despite my written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. These are the following accounts need to be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We purchased a mattress in XXXX of XXXX through Mattress Firm and by using a Synchrony Bank credit card. The first mattress was of poor quality, so we exchanged it to a second mattress. 

The second mattress deteriorated exceptionally fast. We submitted a warranty claim that was approved to be defective by MattressFirm. However, they only offered store credit. As this was the second mattress with them we found to be low quality and did not want to have additional days with severe body pain, we wanted to return the mattress and have the credit zeroed out. 

We still have the mattress. We want them to take the mattress and zero out the remaining balance {$2300.00}. They have judged the mattress is defective. It's unfair for them to make me keep doing business with them when they couldn't deliver the first XXXX times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted United Accounts Inc on several occasions to delete a account # XXXX that was an incorrect account. The original creditor ( XXXX ) also called them and confirmed this should be deleted immediately as it was an incorrect account. United Accounts is claiming they submitted the request for the account to be deleted on XX/XX/2019. I have talked with XXXX on several occasions and they stated that they only thing they have done is confirm the amount owed. United Accounts refused to send an update until the end of the month again. They told me I would have to wait until XXXX and see if it comes off. This should not happen at all, when it was requested by XXXX it should have been immediately deleted! They are now only restating the already talked about situation and refuse to do the right thing. I have contacted all the credit bureaus and none of them have this request at all, they said if it was submitted they would have received it immediately and it would be deleted almost immediate.