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

My account is with Paypal. I was given money for my birthday from a friend from a foreign country, XXXX. Paypal put a hold on it from XX/XX/XXXX until XX/XX/XXXX. It was not explained why they were holding the money, and I had to find out from an external source that it was because they didn't have the money yet since it was coming from overseas. This was not the issue. The issue was that they put a high risk lock on my entire account. There is a mandatory three day hold on all transactions except on purchases from XXXX. I was told this restriction would be removed when the payment was approved XX/XX/XXXX. Paypal representatives told me that I could expedite the process by confirming the transaction. I did. Paypal lied and did not expedite the process. Now that XXXX XXXX has come and gone, they have removed the hold on my friend 's gift, but have not removed the lock. I contacted them when I tried to give my father money for food and gas. I screencapped the entire conversation. We made a very quick exchange. I gave them all the information they needed. They then told me that they would not remove the lock from the account. I have not been given an explanation for the lock. They have closed the case.
Product: Credit reporting or other personal consumer reports

XXXX XXXX knowingly engaged in predatory behavior. XXXX XXXX also knowingly violated the Fair Credit Reporting Act by providing innacurate information related to Hard Inquiries, number of accounts & age of credit history
Product: Mortgage

Our new loan accepted the first payment for XXXX XXXX but locked out the XXXX XXXX payment. It did not clear year. Found out late XXXX that Homebridge Financial froze old loan and wants a payoff through extra doubled up of prepaid interest due for XXXX XXXX XXXX. The new loan already that I signed XXXX XXXX XXXX XXXX with the payoff upped the loan amount as well as the old pay off had the interest figured in. Nobody can tell me why and have the figures laid out of why. My closing costs on old loan XXXX to reestablish escrows. They want another XXXX to fix their problem but not addressing why.
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 rigths to privacy and confidentiality under 15 usc 1681. 

The accounts below have violated my rigthts 15 u.s.c 1681 section 602 A. States i have the rights to privacy. 

15 u.s.c 1681 Section 604 A section 2, It also states a consumer reporting agency canoot furnish a account without my written instructions 15 u.s.c 1681 c. a ) 5 Section states ) no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) 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 Delete the accounts below
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account is reporting 100 % accurately if you can not provide me with this information in 15 days delete this account from my credit report and send me a copy of my updated credit report.
Product: Mortgage

21st Mortgage is holding my insurance payments for the repairs on my home. In order to obtain my funds, I am required to submit estimates and XXXX 's from each subcontractor. Once the necessary paperwork is submitted, it takes a minimum of 10 days to process the payments. If there is a problem with the paperwork, I am not contacted. I have to contact the mortgage company to find out why it is delayed. For example the payment to XXXX was delayed because my wife was told that because they were an incorporated business a XXXX was not required. When she called to find out why the payment had been delayed, she was told they did not submit a XXXX. Then she had to contact XXXX to obtain XXXX. I then had to wait another 10 days before their funds were released. This is not the first time I have been given inacurate information. Each time me or or my wife calls, they tell us something different. Further more, once I receive a check in the mail, it is made payable to me and the subcontractor. The bank requires both of us to come in person in order to deposit the funds. Then the subcontractor has to wait until the funds are released. This further delays the repairs on my home. My mortgage company has also informed me that all the money I spent on materials required for demolition will not be reimbursed until the final payment. On XX/XX/2016 I received a letter from 21st Mortgage that in order to receive my final payment my mortgage must be current. I do pay my mortgage on time. I am finding it increasingly difficult to do so while waiting for the mortgage company to release my insurance funds, because some of the repairs I have to pay for first, then submitted the paperwork and wait for the check to arrive. Once the check arrives I have wait XXXX business days before the funds are released. My home only took in XXXX '' of water but because of the mortgage company It will be the beginning of next year before the repairs are finished.
Product: Debt collection

I am filing a complaint regarding two accounts with Capital One opened 2008 ( XXXX XXXX  ), which I believe were opened in 2008 when I was a minor. I did not authorize these accounts and suspect identity theft. I request their removal from my credit file.
Product: Credit reporting or other personal consumer reports

Will not return money that I have paid for over a year XXXX XXXX  a month for Lexington law to fix credit they have not done anything!! And will not give me any of my money back I have been paying them for nothing
Product: Debt collection

This matter pertains to my company XXXX XXXX XXXX of which I am the member and director. Our bank statement shows that on XX/XX/XXXX we executed a Wire Transfer payment to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' in the amount of {$290000.00} to pay off in full our BlockFi Business Loan # XXXX. The payment included {$290000.00} principal and of {$240.00} accrued interest. We don't understand why the payment was never credited to our loan account and why Scratch continued to charge us interest payments on this loan until BlockFi refinanced it as part of a consolidation of all our outstanding loans on XXXX XX/XX/XXXX, As the result, we have ended up having to repay this loan twice. We are trying to understand what happened to our XX/XX/XXXX payment and why Scratch didn't credit it to our account. We wrote to Scratch and asked them to look into their internal records and give us more information, as it is difficult now to obtain any information out of BlockFi which went bankrupt following our payment to Scratch. Scratch sent the following, unsatisfactory reply to our query : Ky ( Scratch Borrower Operations ) XXXX XXXX, XXXX, XXXX PDT Hello XXXX XXXX We understand that this may be an inconvenience, but effective XX/XX/XXXX, BlockFi is your loan servicer. BlockFi is also the current owner of your loan. XXXX XXXX is unable to assist at this time. 

How can I contact BlockFi? 

You may contact BlockFis claims agent XXXX at ( XXXX ) XXXX ( XXXX ) or ( XXXX ) XXXX ( XXXX ), email blockfiinfo@ra.kroll.com, or visit their website at https : //restructuring.ra.kroll.com/blockfi. 

Best, Ky XXXX XXXX
Product: Vehicle loan or lease

Went looking for a cheap car within our budget. Had no money for a down. Left the dealer satisfied and headed home and planned to move on. Phone rang a coupke miles away, said they would work with us. Turned and went to talk, was handed XXXX on the sly by a salesman. We didnt know what was happening. Took us to a back office with a girl who was rtying to get into my XXXX account and she was throwing millions of papers at us. We still had no idea what was going on. I had to go outside and was crying because if the pressure of her wanting in my personal bank account. I was confused when she said how much are u putting down! We said we told u nothing! We are a XXXX couple I have stage XXXX caner and my husband is a XXXX XXXX. We have a fixed income. She said NO ... .YOU ARE PUTTING XXXX DOWN.???? IM CRYING, MY HUSBAD IS CONFUSED AND THEY say take it home and see how u like it. We did ... calmed down and calked the next day and told them we couldnt afford it and sure wouldnt pay over XXXX for a XXXX used XXXX with no extras even if we could afford it. The dealership said its out of there hands.. Call the finance co. Which we did immediately. We told them the story, asked them to please come get it or we would take it back to XXXX if they wanted. After almost a month they came and got it and by the way they couldnt even start it to move it. The finance co. Said it would be sold at auction and we would have to pay the remainder. Now as you see, we were lied to, pressured, the XXXX produced a fraudulent loan with money they used from them for down and Our credit is screwed, and someway today the finance co. Fraudulently tried to withdraw almost XXXX from my husbands XXXX XXXX account. Please help us and help stop them from doing this to others. 
CarSmart ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX If you need any more information please let us know. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo. XXXX XXXX XXXX XXXX Thank you.
Product: Mortgage

BBT sent you a false statement regarding my complaint on behalf of my parents. BBT has on file a certified copy of POA in which I have the ability and legal option to take care of and handle this matter. Therefore, my complaint still stands.I made a XXXX part payment to BBT totalling the loan amount. Instead they did something different. When I contacted them in person, BBT was to have reversed the payment, I have forwarded you copy of their statement of intent to correct, reverse the misapplied funds made to them in which it was to have been be applied to loan. Instead they applied it in error to something entirely different. When I contact the bank they assured me they would reverse the transaction. Yet they did not. They also have this loan listed as commercial loan which does bring about a higher rate of interest. Which is also an error. There was no late fee due, since the mod was newly executed and all payments were made according to the agreement. I made with them.. In order to make the agreement for my parents, I did have to have A POA which clearly shows they lied to you about not having the ability to respond to you. I believe they are predatory lenders and wish to have this matter reopened and a true investigation be started, XXXX in which what they say is investigated and I opportunity to respond.. I am XXXX XXXX, my parents are XXXX and XXXX XXXX and I have certified POA.
Product: Credit reporting or other personal consumer reports

Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated.

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 USA 1681. The accounts below have violated mi rights. 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 them of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.SC 1681s-2 ( A ) ( a ) 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 delete the accounts below.
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed an incorrect name appearing on my TransUnion credit report. My legal name is XXXX XXXX XXXX XXXX, but TransUnion continues to report XXXX XXXX XXXX XXXX, which is incorrect. 

Despite providing proper identification and submitting formal disputes, TransUnion has failed to correct this error, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ), which requires credit reporting agencies to correct or delete inaccurate information within 30 days of a dispute. 

This inaccuracy negatively impacts my financial standing and could link me to incorrect or fraudulent records. I have followed all necessary dispute procedures, yet TransUnion has failed to comply with its legal obligation to maintain accurate reporting.
Product: Debt collection

XXXX HAS SOLD THIS FRAUDULENT DEBT TO XXXX   XXXX/XXXX XXXX ETC.. AND ARE ALL REPORTING ON MY CREDIT REPORTS. CEASE AND DESIST COLLECTION EFFORTS..AND CEASE COMMUNICATIONS WITH MY DAD AND FAMILY MEMEBERS.ALL PARTIES TO BE SUED IN CLASS ACTION SHOULD THEY FAIL TO PAID ME {$27000.00} IN DAMAGES..
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 they restricted my account, I can see my balance, but I can not send or receive or operate with my cryptocurrencies. After contacting them numerous times through the support chat, they ask me for documentation to verify my account and thus remove the block. On XX/XX/XXXX, I received and sent the requested documentation, all of which requested " Please provide one of the following documents : Payslip issued within the last 3 months Letter from your Human Resources department confirming your employment Provide the source/origin of funds deposited into your Coinbase account. 



Please provide one of the following documents : Loan agreement or statement Statement from other exchanges Screenshot of transactions from an unhosted wallet In addition to the above, please provide one bank statement, issued within the last four months.

Provide the primary source ( s ) through which your overall wealth/net worth was generated.

Examples : Employment, gambling, gifting, investments, inheritance, or life insurance Please provide one of the following documents : Payslip Brokerage / investment statement Home sale document Probate or conveyancing document Copy of Will, Grant of Probate, Gift Letter, etc. 

If your source of wealth originated from investing in crypto or other investments, please provide additional supporting documentation showing the initial investments resulting in your wealth. 

For example, statements from a crypto exchange or broker-dealer which confirms your investment portfolio and they don't give any response. '' after insisting again and again in the chat they sent me another email on XXXX they asked me for more documentation they wrote me this : '' XXXX XXXX XXXX, Thanks for the information you provided. Unfortunately, it doesn't meet our requirements, so we'll need some additional information to finish reviewing your account. 

Please upload the following documents to our secure Coinbase SendSafely portal using the link provided below. 

Please provide a payslip for theBrintza s.l company. 

Please confirm, how much crypto do you expect to trade per year? e.g : {$10000.00} - {$99000.00} " which sent the documentation and I responded to what was requested. It is XX/XX/XXXX and I have not received a response from Coinbase, nor have they removed the blocking of my account. I have all the conversations with the chat recorded without giving me solutions, other than asking me for patience and I haven't been able to access my savings for 7 months, as I need them to face some important expenses.
Product: Payday loan, title loan, personal loan, or advance loan

I never took out any loan and these individual keep calling me and my relatives about a loan in XXXX  from the following numbers XXXX. XXXX
Product: Debt collection

Debt was paid, negotiated to be removed from the credit report. It continues to show on the XXXX credit reports.
Product: Checking or savings account

I recently noticed I have been a victim of identity theft. There are some accounts that were opened in my name that I did not open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient, XXXX XXXX, XXXX XXXX PA XXXX, incorrectly had my account 4 months in arrears and notified the credit bureau, resulting in my FICO score dropping over 100 points with an extreme delinquency or bankrupt narrative written on the report. As a result XXXX reduced my credit available as did XXXX. Causing me a huge economic crisis in what has been a transistion year as I retired, dealt with medical issues and affordable housing. 
I had been in forebearance ( which Navient charge to set up ) and never received any indication of a problem with my loans. So basically between the incompetence of Navient and the unaccountability of the credit reporting XXXX in this country I have lost both credit cards as I closed them out since I couldnt use them but was expected to pay a yearly fee. 
Please advice who I can approach to sue both parties as the dollar is all that matters in this country.. 
I was informed yesterday that next months report should reflect the correction! TOO LATE for my credit requirements. Through no fault of my own. 
thank you XXXX XXXX
Product: Debt collection

I was never advised of the transfer of this debt. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to XACTUS LLC follow up on a previous complaint regarding fraudulent and unauthorized hard inquiries that continue to appear on my credit report. Despite my prior communication, it seems that no action has been taken to address this alarming issue. These unauthorized inquiries remain unresolved, causing significant harm to my credit reputation and ongoing distress. As detailed in my Federal Trade Commission ( FTC ) Identity Theft Report, reference number XXXX, I have never authorized the companies responsible for these hard inquiries to access my credit report. These inquiries were made without my consent or knowledge, constituting a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA requires credit reporting agencies to ensure that all information included in a consumers credit report is accurate and authorized. XACTUS LLCs failure to remove these fraudulent inquiries after being notified of their unauthorized nature violates its legal obligations under the FCRA, including the duty to investigate disputes and verify the accuracy of reported information. I respectfully request that XACTUS LLC take immediate action by conducting a thorough investigation into the unauthorized hard inquiries identified in my credit file. These inquiries must be promptly removed, as they lack proper authorization. Furthermore, I ask that you provide written confirmation of your findings and detail the corrective actions taken to ensure compliance with the FCRA.

Please treat this matter with the urgency it deserves. If XACTUS LLC fails to address these inaccuracies within the legally mandated timeframe, I may be forced to escalate the matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies to protect my rights under federal law. Thank you for your attention to this serious issue. I trust that XACTUS LLC will fulfill its obligations under the FCRA and take the necessary steps to resolve this matter promptly.
Product: Credit reporting or other personal consumer reports

FINAL NOTICE! I have contacted this companies that I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS and UNITED STATES of AMERICA FEDERAL LAW. 

Please block and remove all information from my credit report and send me an updated copy of my credit report. 


Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed.

In accordance with the FCRA, a consumer report excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Any inclusion of late payments or derogatory statuses constitutes a clear infringement of 15 USC 1681a ( d ) ( 1 ), as this information relates to the consumers experiences.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 


Please make all listed below update or deleted in my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE IS PUTTING ACCOUNTS IN MY NAME AND I DO NOT KNOW IT IS. I HAD MY BOOKBAG STOLEN AT THE LOCAL AT THE LOCAL MALL A FEW YEARS BACK PLEASE.
Product: Checking or savings account

Card was lost sometime beforeXX/XX/XXXX. These charges unauthorized :XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$200.00}.