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

The issue started when I wasn't able to withdrawl my money ( about {$7000.00} ) from crypto.com 's app because the app is flawed in many ways and won't allow me to access that option, but it worked multiple times before. For example, I am unable to see details about my account and what cryptocurrencies I have, which is shown in the attachment below. On XX/XX/2023, I sent an email to their customer support to inquire about this issue, but they responded very slowly and have not provided a solution. They've only responsed with automatic emails that did not address the concerns or issues I was having. I told them earlier that if they did not respond with helpful email, I would report them to a government agency.
Product: Debt collection

This is not my debt. From what the letter states it was on XXXX. I was a victim of Identity Theft. I have no knowledge of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureaus on XX/XX/2020 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 324 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit card or prepaid card

My credit card was charged unlawfully, on XX/XX/XXXX at XXXX XXXX and on my return to US next day I filed a formal complaint and request those charges to be removed from my account. Credit card rep. on the phone agreed, opened a case and reversed those charges until they were investigated. 
I did not hear back again from the credit card company until XX/XX/XXXX phone call, which was 107 days later than the dispute was opened. 
I was told that charges were going to be put back in my statement in 48 hours,  and they did. 
I was under the impression that this case was resolved and that was the reason charges were out. When I read my billing rights I saw it states clearly that any dispute needs to be resolved in 90 days or less. 
My rights as a consumer were violated, and not getting back to me in a timely manner weakened my hand to collect necessary info, or act on the time sensitive case. 
I wrote to them XX/XX/XXXX and requesting removal of baseless charges from my account, but after 13 days passed charges are still on my account, and again no answer from credit card company.
Product: Credit reporting or other personal consumer reports

widespread fraud on Americas most widely available peer-to-peer payment network. XXXX XXXX XXXX, which operates XXXX, along with the bank that I used which was XXXX  for personal and business accounts.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and deceptive credit reporting practices committed by Experian and XXXX. These violations include the unlawful reinsertion of previously deleted fraudulent accounts, failure to conduct a proper dispute investigation, and continued misreporting of inaccurate information that damages my creditworthiness. 

Issues Identified : XXXX. Experian Unlawfully Reinserted Previously Deleted Accounts Without Notice FCRA Violation ( 1681i ( a ) ( 5 ) ( B ) ) Experians fraud department previously blocked and deleted XXXX XXXX credit card accounts from my credit file due to fraud. 
On Thursday, XX/XX/XXXX, Experian notified me that both accounts were under dispute. 
On Friday, XX/XX/XXXX, I received dispute results stating both accounts had been " verified '' without providing any documentation. 
Experian did not provide me with the legally required five-day written notice of reinsertion, violating FCRA 1681i ( a ) ( 5 ) ( B ).

2. Failure to Conduct a Reasonable Investigation FCRA Violation ( 1681i ( a ) ( 1 ) ( A ) ) Experian resolved my dispute within XXXX hours, proving that no proper investigation was conducted. 
If Experian claims these accounts were verified, they are required under FCRA 1681i ( a ) ( 6 ) ( B ) to provide : The name and contact information of the entity that verified the accounts.

Copies of documents used to verify the accounts.

Experian failed to provide this documentation, violating FCRA 1681i ( a ) ( 6 ) ( B ).

3. JPMCBs Continued Reporting of Inaccurate Balances FCRA Violation ( 1681s-2 ( a ) ) The XXXX accounts were previously deleted as fraudulent, yet they reappeared with an outstanding balance instead of {$0.00}. 
If these accounts were charged off or canceled, XXXX is required to update the balance to {$0.00} or issue a XXXX Cancellation of Debt Form, as required under 26 U.S. Code XXXX. 
JPMCBs failure to report accurate and verifiable information is a violation of FCRA 1681s-2 ( a ).

4. Re-Aging of Accounts to Extend Negative Reporting FCRA Violation ( 1681c ( a ) ) The accounts were closed in 2022, yet Experian is reporting late payments for 2023 and 2024, which suggests illegal re-aging to extend the negative reporting period beyond the seven-year limit under FCRA 1681c ( a ).

This deceptive practice is prohibited and unfairly lowers my credit score.

5. Experians Willful Non-Compliance & Negligence FCRA 1681n & 1681o Experians failure to comply with reinsertion rules, failure to conduct a proper investigation, and failure to provide verification proof constitute willful violations under FCRA 1681n, making them liable for statutory and punitive damages.

Experian may also be liable for negligent non-compliance under FCRA 1681o for failing to investigate and correct these violations despite clear evidence.
Product: Payday loan

Customer ID : XXXX CNU Cashnet calls my phone 6 times a day i have my phone log save constantly harasses me. I am on a credit management plan and they do not want to wait for payment. She keeps harassing me to borrow money to pay them. She has called my work phone several times and I advised her not to
Product: Credit card or prepaid card

I had a card from Capital One Bank XXXX. This card was deactivated, while I called Capital One I was informed that my account was closed and by balance was {$0.00}. This call was recorded and therefore should be on file with Capital One. I was however sent a collections notice on my owing {$0.00}. However the collections letter state some {$9000.00} owed in penalties and interest. And this figure has been reported to my credit. Please HELP!
Product: Credit card or prepaid card

While reviewing my XXXX card account online on XX/XX/, a promotion popped up promising a {$10.00} reward for enrolling in XXXX XXXX. I enrolled that day. The promotion specified that the reward would post within 30 days of enrolling. I am attaching the promotion as well as the screenshots evidencing my enrollment. 34 days have passed, but Capital One still has not posted the reward. I satisfied all the promotion 's requirements, but Capital One has not.
Product: Money transfer, virtual currency, or money service

Coinbase allowed someone hack into my account, upload a photo ID and transfer all my crytpo currency out of my account fraudulantly. They will do nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted many disputes against the three major credit bureaus. Some case numbers are XXXX, XXXX, and XXXX. I haven't received any communication from either bureau. They are violating my rights, and most notably 15 U.S.C. 1692g.
Product: Vehicle loan or lease

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit card or prepaid card

XXXX XXXX credit card with XXXX XXXX. 

-the bank changed the monthly due date from the XXXX of the month to the XXXX of the month without informing me. 
-charged a late fee ; even though the payment was submitted on time using electronic funds transfer ( inter bank ) which my bank does within one day - I have electronic confirmation. 
-when called to get a refund of the late charge, only a partial refund was creditied. I was not informed of a partial refund and was told on the phone that I would receive a full refund of the late fee -daily interest was incurred on the remaining balance of the late fee - when payments were made, none of the funds were credited to the revolving balance. Only credited to non revolving balances. 
- when called to inquire about the charges, initially I was told that nothing could be done about it. I insisted to speak to a supervisor that after many inadequate explanations could not fully justify the charges to my account. 
-was told bill pay via electronic funds transfer ( inter bank ) take 5-7 days to post to account when doing inter institution bank transfers..ie- check not being mailed. = NOT true.
Product: Checking or savings account

I have yet to receive the funds from the closed Business account, and I am formally requesting that the funds be transferred to the bank account ending in XXXX associated with it. 

Amount due to me {$650.00} Name : XXXX XXXX XXXX Name : XXXX 's Computer Service Email : XXXX Phone Number : XXXX
Product: Debt collection

XXXX  I received notice that my credit report had been hit with a collections account. Once I pulled it up it stated that it was  Jefferson  capital which I received no notice what so ever via mail. Which violated my rights to dispute.
Product: Consumer Loan

We purchased a brand new XXXX in XX/XX/XXXX. I paid extra for an extended warranty that I feel was never properly honored. First the radio went out after a month, the dealership lied over and over we had to take the bike to another dealership to get it fixed at which point I complanied to XXXX XXXX customer satisfaction and they opened up a case. Few months later the bike had a XXXX, we complained about this on XXXX separate occasions to XXXX different dealerships, the mechanics rode the bike and said it was fine. The bike was not fine it still had the XXXX and now the forks are bent. I complained once more to XXXX satisfaction and nothing was ever done and still the bike has the XXXX. I told them I was not making another payment until they honored the warranty I paid extra money for and still nothing was done. XX/XX/XXXX I recieved a letter stating if I did not pay XXXX by XXXX XXXX the bike would be repossessed. Upon purchasing this bike we traded in a bike that they valued at XXXX plus we put down a down payment of XXXX of our own money not to mention all the payments we made up until the situation. Not only are we out {$15000.00} but we are going to loose a bike that has had problem after problem and nothing has ever been done when we traded a perfectly good bike for this one. My dads name is on the line and he recently suffered a XXXX so I 'm not letting him deal with no ore aggravation over this situation we are in. We purchased the bike in XX/XX/XXXX the dealership still has our stock parts even tho we have asked for them numerous of times. I feel that we have been treated unfairly, we work hard everyday and we 're not rich but we do feel that since XX/XX/XXXX we have been treated unfairly and for us to be customers and giving our hard earning money we should be treated fair. XXXX never done anything to help us out with a bike that had problems but we still continued to make our payments so I feel that we deserve a fair solution and not loose everything that we have put a lot of money out for and wo n't be able to get that money back not to mention its gona hurt the credit report involved. In reality it did not have to come to this if they would have just done what needed to be done in the first place. I paid extra money for a warranty that was never properly honored, and we were lied to over and over again, I feel Harley-Davidson Financil Services should have to make this situation right.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as high in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations, I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is currently reporting an incorrect account on my credit report. Equifax is reporting uplift account which is not reported on my other two credit reports because the account is incorrect. Equifax incorrect reporting is negatively affect my credit and is causing me undue financial hardship. Made a previous complaint and Equifax closed the compliant on basis that they could not verify my information therefore I am submitting this compliant with my ID and any other verification they may need.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX said i didnt have credit history and XXXX  and XXXX cant seem to fix my credit with the inaccurate information they need to fix that asap
Product: Mortgage

Citizen Bank transferred the servicing of our four year old  HELOC to Citizen One Home Loans effective XXXX, 2018. This is a 5 % simple interest loan with monthly minimum principal and interest payment of {$920.00}. The interest amount varies monthly based on the principal balance and days between payments with the remainder of payment applied to principal. Citizen One has twice applied the timely {$920.00} payment as interest only. I have spoken to XXXX, XXXX and XXXX in customer service department three different days over the las few weeks, to no resolve.
Product: Credit card or prepaid card

i called today since i did not receive my XXXX purse ordered beginning of XXXX i did email XXXX no response. it may have been stolen. NEVER received. 
its on my card ending XXXX i will keep contacting merchant but not paying for this.
Product: Credit reporting or other personal consumer reports

I don't know where this should fall, but this is more of an Infrastructure design relating to credit reporting and shopping around. I used to originate mortgages and I understand why this exists, but nonetheless I still feel it is an absurd assault on consumers : I have applied for a home equity loan through my current lender who I plan on working with and no one else. When I have a credit inquiry, lenders know that I have had a mortgage related credit inquiry and literally the SECOND I approved my credit to be pulled, my phone started ringing. Within 10 minutes I had received several calls. Less than 24 hours later and I have had 57 ( nope, now 58 as I type this ) calls from lenders.

Again, I understand that this is related to a consumers right to shop around. I get that we want to prevent shady lenders from being able to close loans without the borrowers having opportunities to get the best deal. XXXX, I had to give this as part of my XXXX conversation, but at what point are we prioritizing giving these companies leads over the consumer experience. I haven't been able to listen to A SINGLE SONG on XXXX on my XXXX without it being interrupted by a call. If we, as a country, want to encourage consumers to use financial solutions and TRULY get the best deal, we have to be more innovative and come up with ways to do it without opening the consumer up to ENDLESS calls.

CFPB needs to get the big wigs into an office and talk about what modern solutions we can find to offer people the opportunity to shop around without facing an assault of sales calls. XXXX, I can think of 3-4 viable solutions but knowing the bureaucracy of the Federal Government, I have a hard time believing whatever role sees this complaint will be able to get any level of leadership together to actually address this. This is embarrassing.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I noticed accounts from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX were on my file. I have not extended credit to any of these places. This is identity theft. I filed a report and notified the credit bureaus and the secondary reporting agencies. From what I understand, the consumer reporting agencies and secondary agencies must remove these accounts within 4 days. It has been more than 4 business days. Also I know that no account can be put on my credit report without my written permission. I didnt give written permission. I require that these accounts be removed immediately.
Product: Debt collection

Received alert today of a negative item was posted to my credit report. Contacted Midwest Recovery Systems to find out what this item was. I talked to XXXX XXXX, who was rude, distrepecrltful and very unprofessional who told me the creditor was XXXX whom I had a payday loan with in XXXX 2012. I have never heard of nor did any business with company. Told him I never received anything in the mail regarding this collection. He said no they did n't send anything in the mail and they did n't have to because this was there 1st contact and this was all that was needed. I said no it was n't and by law I have 30 days to respond and I was n't given that time to respond, so please remove this item immediately from my credit report. He said they were not going to remove anything until this account was paid in full and hung up on me..
Product: Mortgage

I have two rental property mortgage loans with Ocwen Loan Servicing. For much of the past year, I would mail my payments at the end of the month always adding extra to payment to cover the late fee. They would never apply the late fee, instead placing the extra portion of payment into a unapplied account. I did n't make payments online because I was trying to avoid their XXXX XXXX XXXX  payment fee they place on internet payers. My accounts showed 30 days late for sometime. One of my properties, they came up with around {$500.00} of extra fees, of which I paid last month. The other property of mine, they are accessing {$1000.00} worth of fees. The other property is a home that was destroyed by renters years ago. I have completely gutted out the house, there is only wood framing inside. I 've slowly been renovating it. I went to the house to retrieve a washer/dryer in storage and found that Ocwen had locked me out. I called the number of their subsidiary that locked me out and they immediately gave me access to the house. They told me that the loan appeared to be current. In the process of lockout, the company damaged my garage door with a grinder ( cutting off my lock ), they stole a gallon of bug spray and a tarp that I had covered over a washer/dryer. They placed winterized stickers on toilet flange and drain pipes sticking out of walls. The house is mainly down to wood framing with nothing to be winterized. I 've been slowly in process of remodeling the house, I had some construction material near a room I began sheet rocking. For some reason, they moved those items to a stack of new sheetrock I had on floor. The stickers where dated XXXX XXXX, 2017.  It was less than a month later that I realized this happened. Ocwen is generally very unhelpful with questions and has terrible service. I did place a complaint to their website. Their customer service rep contacted me regarding these issues. She was the only friendly person I had ever spoken with at Ocwen. Unfortunately, she was not able to help with any of the fees. It was pretty much out of her hands. Ocwen 's standpoint was that since the property was vacant and I was 30 days late on payments that they had every right to lock me out and charge secure and maintenance costs. All of these fees related to my two mortgage loans are just forms of legal extortion. It 's morally and ethically wrong for a business to practice in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owed approximately {$730.00} to XXXX XXXX, {$4000.00} to XXXX XXXX XXXX and {$2200.00} to XXXX XXXX. The account ( s ) were closed, charged off and sold to XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. After I paid the account ( s ) in full I was told that the three mentioned companies would change the status on my credit reports to " Charged Off, paid in full '' after XXXX XXXX reported to XXXX XXXX, XXXX XXXX XXXX reported to XXXX XXXX and XXXX XXXX reported to XXXX XXXX the account ( s ) as paid in full to them. It has been over six months in one case and an approximate month on the others and no change has occurred.I have contacted XXXX XXXX, XXXX XXXX and XXXX XXXX and no action has been taken. I have disputed the accounts via the three credit bureaus ( XXXX, XXXX and XXXX ) and still nothing. Attached are the Paid in Full letter ( s )  for your review.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.