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

Trust Wallet has frozen my account. 

I was unaware that upon withdrawing of funds from my trading account Trust Wallet would want to collect taxes. There is money in the account to pay the taxes. I was unaware this was Trust Wallet 's procedure. 

I tried to speak with Trust Wallet and asked them to take the funds out and they refuse. 

I would like for them to take the funds out of my account and pay the taxes. They have asked me to deposit more money into the account to pay the taxes. I do not have the money to do this. I have told them this also. 
I have records of our conversation
Product: Debt collection

I owed XXXX medical bills in the amount of {$94.00} each for my XXXX sons in XX/XX/XXXX. My sons had medicaid at the time of service. The hospital submitted the bills to medicaid for billing. The hospital claims there was a billing error and they were billed incorrectly. I NEVER received notification of this nor did I receive notice when it was taken over by a debt collector. When I pulled my credit XX/XX/XXXX I saw they were now on my credit. I disputed them. They took it off of XXXX of my credit reports but not XXXX other. I called them directly, L.J. Ross and Associates, and they were absolutely rude. Told me too bad, if I had insurance that I would have to pay them myself now because I had over a year to take care of it. I contacted my caseworker at DHS and filed appeals to get it paid, I contacted Medicaid and filed a complaint to get it paid. Finally I called L.J. Ross personally and tried to pay it myself and they told me I could n't because I had disputed it. So now these bills are stuck on my credit and I can do NOTHING about it??? How is that fair? Also, I finally got a call from Medicaid and they indicated that, because it was a billing error, I AM NOT LIABLE FOR THESE DEBTS. I requested that in writing. I then faxed the letter to L.J. Ross and later called to follow up. The lady I talked to kept interrupting me and telling me she already knew what I wanted ...? Her name was XXXX and she was very rude and agressive. She told me that until the hospital told them it was paid they do n't have to take it off my credit whether I 'm liable or not. I asked her how this was legal and she told me it was because I had plenty of time to dipute it ... which I did and it solved nothing. 

My point is how can something I am not liable for be reported to my credit? How is the hospital 's error now my fault? Why does the collection agency, L.J. Ross and Associates, not have a duty to remove items that are reported incorrectly?
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX Balance : {$8000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that I have several unverified and unauthorized inquires that must be removed. I have contact XXXX, TransUnion, and XXXX regarding these unauthorized Inquires this would be my third time reaching out to them regarding the same matter. These are not my inquiries and according to the ( FCRA ). Legally these unverified and unauthorized inquiries must be removed. I've listed each unverified and unauthorized inquiries below for XXXX, XXXX, and TransUnion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Discover loans have been sending me letters for me to apply for a loan different loans. 
I than tought of accepting a loan and apply as tjeybbeen sending me lentes that Im pre approve which are nothing but lies and I found out after 2 or 3 days after. When I apply first they sent me a notification that I was qualified for XXXX as I check my rate without having to harm my credit score and everything was going so well and mostly would approved me. 
They ask me to submit a document which was a utility bill I sent a XXXX  electricity bill to them and it was verified and accepted so far so good everything was going right and well today i spoke to a guy and said to call them so they can finalize my loan and get ready to go than he ask me to call since he could not do that thhru a chat live online. 
So I called and ask to speak XXXX because I speak more XXXX than English. But the representative said everything was going well and that they needed to proceed and pass the information to someone higher than a representative so they did as I mention them I wanted to know the answer because they have taken sweet time and I had other lenders who were offering me other loans as well but since I am A member of discover and have a fantastic relationship with them and have a excellent credit score and credit history they denied me the loan for no reasons I believe they have discriminated me and denied my opportunity to get the loan of XXXX why would they accept me first and than denied me st the end. Wen everything was almost done and verified. 
That is an insult and I have great and excellent credit my credit is XXXX or XXXX with others credit bureaus. I am very sad and disappointed at discover and will never ever ask them for a loan and will make sure they dont play with peoples feeling and making them think they got approved while they denied you at the end for no reasons.they always say a different story regardless.
Product: Credit reporting or other personal consumer reports

Chase bank reports my first delinquent payment was in XXXX which is wrong and pushes my 7yr retention back to XXXX. My first delinquency was around XXXX and this should already be off my account. On XXXX it reports on time payments XXXX until XXXX. This is inaccurate and should be remove from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the provisions set forth in the Fair Credit Reporting Act, I would like to bring to your attention that the list of accounts provided below has infringed upon my federally protected consumer rights to privacy and confidentiality, as outlined in 15 U.S.C 1681. 
1. XXXX XXXX XXXX  account # XXXX has violated my rights. 
2. The XXXX XXXX account # XXXX has violated my rights. The Fair Credit Reporting Act, specifically 15 U.S.C 1681 Section 602 A, asserts my fundamental right to privacy. Additionally, 15 U.S.C 1681 Section 604 A, Section 2, stipulates that a consumer reporting agency can not furnish an account without obtaining my written instructions.

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, it is stated that no consumer reporting agency may include certain items of information in a consumer report. Specifically, it prohibits the inclusion of any adverse item of information beyond records of convictions of crimes that precede the report by more than seven years. 15 USC 1681i ( a ) ( 5 ) ( A ) ( i ) states when a consumer disputes the accuracy of information in their credit report, the CRA must thoroughly examine the evidence and documentation provided by the consumer to support their claim. Lastly, as per 15 U.S.C. 16815-2 ( A ) ( 1 ), it is mandated that no person shall furnish any information concerning a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate.

I kindly request your prompt attention to these violations and seek your assistance in addressing and REMOVING these issues in accordance with the Fair Credit Reporting Act.

15 U.S.C. 1681s-2 ( A ) ( 1 ) ( F ) : Reporting information during COVID19 pandemic
Product: Prepaid card

American Express Serve Card An ATM transaction occurred on XX/XX/XXXX around XXXX The location was money pass ATM in which American Express Serve , which has no ATM fees using this location at XXXX Still. XXXX XXXX XXXX, LA. I promptly contacted the company when the ATM did n't dispurse the cash as I requested, it cancelled the transaction, but yet my account reflected XXXX withdrawal, I had to wait days later to receive the dispute forms, I started faxing on the XXXX of XXXX, each time I contacted customer service, they said the account was noted that I was sending the fax, yet on XXXX of XXXX I learned it was all lies, the customer service rep I spoke to on today stated clearly each notation stated I just wanted to know of updates, now I received an email stating I did n't send what they requested and I 'm not eligible for the credit, now take in mind the email was send at XXXX, so now I have to wait and additional 30 to45 days, because they employ individuals whom feel you call or ask for a supervisor to much they 're annoyed at you about you 're hard earned money you worked for, now this company is rated by high standards, yet the way they treat you is very low, if you call the main company, they will tell you it 's not the same affiliate, yet go to the American Express website and read, it 's part of them but separate divison, some one in executive office should be made aware and accountable for how its brand is being represented by it 's employees also better contact options for the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed an online updated consumer credit profile from Experian and as I was examining my consumer credit profile I notice that Experian are still reporting XXXX XXXX  corpora which is an improper name and they're six different accounts reporting all having different accounts and balances but there was only one so called loan given, that's reporting false and misleading information which is a violation of 12 CFR 1006.18 and also 15 USC 1692e ( 2 ) ( A ) all these accounts are more than 7 years old so they shouldn't even be reporting on my consumer credit profile at all and to stop reporting my personal private information without prior written consent which is a violation of 15 USC 6801, 15 USC 6802, and also 15 USC 6803
Product: Credit card or prepaid card

I entered my new mailing address on the bank 's website, but it rejects it as invalid. I tried doing so several time over many days. But, the XXXX delivers my mail to this new address, and all other entities had no problem updating my address. Customer service states that the data base the bank uses rejected it because my new address is not in the data base the bank uses. Clearly, the bank is XXXX. I no longer receive statements and can not use my card because of this. The bank 's XXXX  attitude is not in the public interest.
Product: Mortgage

XXXX was the servicer of my loan, it was sold ( to whom, I do n't really know ) and XXXX became the servicer. XXXX accept my loan modification as '' complete '' but in fact, it had no signed IRS tax transcript request and no signed Dodd Frank certificate. No signed IRS Tax Transcript request, and neither XXXX nor Caliber ever wrote to me to say this form was missing. MY RMA was denied, by Caliber for HAMP and then later, an in house mortgage. Caliber is now asking me to send in everything again. Therefore, they denied an incomplete application.
Product: Credit card or prepaid card

My capital one 360 credit card seems odd. The card is a dark navy blue color on both the front and on the other side but in the middle it is red? I dont remember ever having a credit card that had a different color inside only. Could you check this out for me? Thanks
Product: Checking or savings account

I reported a fraudulent charge to Wells Fargo on the XXXX of XXXX against a transaction someone tried to make using my debit card to purchase a XXXX phone. I was told by W/F on Thursday that my account would be credited in two days. Someone attempted to make another attempt on XX/XX/XXXX with my card number that was closed on the XXXX to purchase the same XXXX phone. I have had a zero checking account balance since Thursday and money was also removed from my savings account. Wells Fargo said they would refund all monies owed in 10 business days. I want to open a fraud investigation into Wells Fargo. Is this the place to start? I dont have money for gas to get to work or money to buy lunch. Claim numbers XXXX & XXXX.
Product: Credit reporting or other personal consumer reports

I recently noticed a bankruptcy on my XXXX credit report. See Attached. I disputed this account and it came back verified. After contacting the court it confirmed it does not communicate with credit reporting agencies. XXXX a secondary agency offers information related to bankruptcy filings. First I never gave any consent to share any information in any capacity regarding my person. See USC 1681b Permissible Purposes. I contacted this company to opt out of any assumption I approved their actions. There is an error message when processing this demand. Please be advised there is a pending notice to anyone whom harms my person and will be liable for defamation and trespass on person.
Product: Credit reporting or other personal consumer reports

I am disputing a late payment with my mortgage company, XXXX XXXX. Trans Union and XXXX are reporting 30 days late for XX/XX/XXXX. During this year, I was getting paid once a month as a contractor, and I would make all my payments before the end of the month. 

For XXXX, I filled out an automatic payment form because I was traveling ; however, I noticed that on XX/XX/XXXX, the payment still needed to be posted to my account. I tried to pay online, but it wouldnt allow me to do so without including past-due late fees. On XX/XX/XXXX, I called immediately when I landed at XXXX XXXX. I explained everything to a representative, and she put me on hold, and the call dropped. I called right back and received a voicemail saying the office was closed - I tried three more times and received the same message. 

On XX/XX/XXXX, I called first thing in the XXXX and was advised they were having phone issues. The representative told me she would take my payment and that it shouldn't be reported late because of their phone issues. However, she suggested that I monitor my credit report for any changes and that my late fee would be refunded. 

I want the late payment to be revered to ok or paid as agreed because the above was not my fault. 

Under : 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LIl / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

In accordance 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Credit reporting

On XXXX/XXXX/2015 XXXX XXXX Equifax reported that XXXX remove a debit on my credit in the amount of {$3000.00}, Then after checking my credit report I notice Diversified had recycled the debt on XXXX/XXXX/2015 in the amount oh {$3000.00} I do n't feel this way doe doing business is fair or correct, as long as the the debt is being sold ther will never be an experationa date.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report for LexisNexis and I found out that I have no Fraud Alert!
Product: Credit reporting or other personal consumer reports

In accordance 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. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am a victim of identity theft, i have reported to the police, I have items on my Experian and XXXX  reports that are fraud I notified those reporting bureaus numerous times with copies of the credit report circling the fraudulent accounts, accompied by the police report a copy of FCRA 605B, my identification, social security number, and address proof, however these companies Experian and XXXX refuse to remove said fraudulent items after numerous attempts to do so according to the law. Because of there negligence I have been denied credit and jobs over the past six months. I want these accounts on my credit reports immediately as they are fraud and these 2 companies were notified and refuse to abide by the laws set forth by the FCRA. the accounts are on my report are ; All fraudulent accounts- XXXX XXXX XXXX - {$12000.00} XXXX XXXX XXXX - {$31000.00} XXXX - {$5900.00} XXXX XXXX - {$19000.00} XXXX XXXX XXXX - {$9800.00} and Inquiries are on account that are fraudulent, XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 ALL ABOVE ITEMS BOTH XXXX AND EXPERIAN REFUSE TO REMOVE FROM MY REPORT AFTER NUMEROUS REQUESTS AND SIGNED ADVIDAVITS TO DO SO AS I WAS INSTRUCTED BY THE FCRA ACCORDING TO SECTION 605B ( WITHIN 4 BUSINES DAYS ALLOTTED BY LAW. 

I DEMAND THAT THE FOREMENTION FRAUDULENT ITEMS BE REMOVED IMMEDIATELY BY EXPERIAN AND XXXX CREDIT BUREAUS IMMEDIATELY AS I WILL BE FORCED TO TAKE LEGAL ACTION IF THEY ARE NOT REMOVED IMMEDIATELY.
Product: Mortgage

We closed on XX/XX/22. They sent me the documents to approve prior to closing but the amount of the loan did not match up with the cost of the home, land, and closing costs. At first, I was paying {$2500.00} more than the loan was supposed to be because they didn't give me credit for the earnest money I had put down on the land and home. After they corrected this, we were still {$500.00} over what we were supposed to be financing. I reached out to XXXX XXXX at Triad multiple times to have this corrected but I was ignored. Triad told me I would have to pay fees if I missed the closing so I was forced to close on the home with the mistakes present. 

The loan is also another {$4000.00} higher than what everything was supposed to cost. When I asked the bank about it, they told me the {$4000.00} was for points to bring down my interest rate. I asked them to add it in to the loan documents so the points showed as part of the loan but they never would. Finally XXXX XXXX informed me that they had to be creative on the loan and show on the loan paperwork that we paid {$4000.00} more than we actually did so the bank could get the money for the points. He said he didn't have a way to legitimately add the points in to the loan. This is upsetting for me because they won't provide me any documentation for the points so I can get a tax break. It feels like they basically stole the {$4000.00} from me. They are at the least collecting extra money for something that wasn't in the loan documents. 

Also, when it came time for us to release the final draw to the builder, we let the bank know that everything was not completed properly and that money was still owed to vendors because the request we signed stated that the home had to be 100 % completed properly and everyone involved had been paid. We told the bank we would be lying if we signed but they wanted us to sign anyway. I spoke with XXXX XXXX at Triad about the issue and he said he was worried the builder would not be able to keep all their money if we didn't sign, so we were forced to lie and sign the document anyway with the alternative being that we would eventually default on the loan if we didn't sign.