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

To Whom It May Concern, I present a timeline of events for clarity : XX/XX/2023 : I sent {$830.00} from my XXXX USDC wallet to my crypto.com USDC wallet via the XXXX XXXX  ( Transaction : XXXX ). After the transaction didn't appear in my wallet after 30 minutes, I verified its success with the XXXX XXXX. ( https : XXXX ) I also verified the destination wallet address provided to me by crypto.com was unchanged and correct ( it was ). 

XX/XX/2023 : Contacted crypto.com support via in-app chat, was informed of a 20-minute response delay but received none until the next day. 

XX/XX/2023 : Received an email from crypto.com about changes in USDC transfers over the XXXX XXXX, which was too late to be helpful. 

XX/XX/XXXX- Present : Repeatedly contact ( ed ) crypto.com support through the app and XXXX  ( formerly XXXX ) direct messenger daily to resolve the issue. 

XX/XX/2023 : Informed crypto.com through the support chat about the impending XX/XX/2023 deadline, referencing an article from XXXX, the USDC issuer, that outlined changes to USDC on the XXXX XXXX. ( XXXX XXXX XXXX XXXX ) XX/XX/2023 : Reiterated the XX/XX/2023 deadline to crypto.com support to address the issue before XXXX stopped processing transactions using the " old method '' ( now coined " USDC.e '' method ). 

XX/XX/2023 : Compiled this chronology to document my efforts to recover the {$830.00} USDC/XXXX  sent to my crypto.com wallet. 

XX/XX/2023 : Sent an email with the above chronology to crypto.com support I was working with ( XXXX ) XX/XX/2023 : Sent a message through the customer support conversation I had open with crypto.com, requested an update. 

XX/XX/2023 : Crypto.com support responded through the conversation in their app, letting me know they were " still checking into the matter ''. Informed crypto.com support that they had only 4 days remaining before the changes made that caused this whole issue would not be reversible, and they would be personally responsible for reimbursing my missing funds. 

XX/XX/2023 : Sent a message through the customer support conversation I had open with crypto.com, requested an update. Received no response. 

XX/XX/2023 : Sent a message through the customer support conversation I had open with crypto.com, requested an update. Received no response. 

XX/XX/2023 : Emailed the primary crypto.com support email ( contact @ crypto.com ) letting them know it had been 2 weeks and I still have not received a resolution to my problem. 

XX/XX/2023 : Sent a message through the customer support conversation I had open with crypto.com, requested an update. Received no response. 

XX/XX/2023 : Started filling claim with CFPB. 

In conclusion, this chronology highlights my ongoing attempts to resolve the issue with crypto.com and emphasizes the urgency of addressing the matter before the looming deadline of XX/XX/2023, when transaction processing changes may become irreversible. 

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

XXXXXXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$930.00} Dispute Reason : What is the method of verification show how it was verified
Product: Credit reporting or other personal consumer reports

Please see attached my Notice of Dispute of Billing ErrorValidation of Alleged Debt In Connection With XXXX  Mortgage Loan and Consumer Mortgage Loan Receivables Accounts dated XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate.

This is false because there are a number of inaccuracies on my consumer report that still remain.

1. Nothing under 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. What is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency. To misconstrue the requirement of reporting accurate information with the non-requirement to report negative information is a direct violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) and constituted my information being reported without lawful authority. 
XXXX XXXX XXXX XXXX XXXX XXXX This account was paid as agreed. This account was never charged off as listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was paid as agreed. This account was never charged off as listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account has been deleted from Equifax but somehow it is still being reported by you. I am aware that 15 USC 1681i states that if an item is deemed to be inaccurate or incomplete, then, the credit reporting agency shall delete it and notify the data furnisher and creditor. If Equifax notified you and the data furnisher that it was inaccurate and incomplete, how are you still reporting this information? 
XXXX XXXX XXXX XXXX XXXX  They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). 

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.
Product: Credit card or prepaid card

The company closed my account without explanation. I called seeking an explanation and they stated my account was closed by a different department. I asked for contact information for this department so that I could speak with them and learn the reason for closure, but this department had no email address or phone number. I was provided only a mailing address to which I could address my query. Because my account is now closed, my reward points which have not yet been redeemed are now unavailable to me.
Product: Debt collection

The reason that I selected " didn't try to correct this with the company '' is because the company, EOS CCA " parked '' a collection account on my report with XXXX. They have not made any attempts to contact me and I have no idea what the collection account is in regard to. Today, I sent, by certified mail, a letter asking for validation of the debt. I am a XXXX XXXX and will be moving back to the USA within 2 months and now I have this on my credit report. It is against the FDCPA, section 809 ( a ) for them to do this. 

A quick search via XXXX shows that this company frequently does this. I would like the CFPB to investigate them for their practices. 

Again, I am not necessarily disputing the debt, as I don't know what it actually is for. I'm filing the complaint regarding their tactics of " parking '' on my credit report, which has been found by the FTC to be sufficient for " contact '', and their failure to validate upon initial contact.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX  's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX  numerous times and reporting discrepancies, my financial institution and XXXX  failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX  has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

This creditor has not updated my credit report the way it's suppose to be, I informed them back in XX/XX/year> that they were reporting my account wrong. They have multiple charge offs till this day of XXXX. I informed them charge offs are a one time thing not multiple and they are still reporting it MONTHLY.

I am writing to dispute information on my credit report and to address a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692e. I have identified an issue with the reporting of multiple charge-offs for the same account, which I believe may be misleading or inaccurate. 

Creditor Name : USAA SAVINGS BANK Account Number : XXXX Nature of Dispute : Multiple charge-off entries My credit report shows multiple charge-off entries for the same account. Account Number XXXX is listed as charged-off by Creditor USAA SAVINGS BANK on [ XXXX XXXX XXXX ] and then again by USAA SAVINGS BANK [ XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX ]. ]. This appears to be misleading as it falsely represents the account status and may unfairly impact my credit score. 


I request a removal of the multiple charge-offs reporting and the removal of account as to you have violated my rights multiple times! It is not only inaccurate but also a potential violation of the FDCPA. 

I understand that under the FCRA and FDCPA, you are required to conduct a thorough investigation and resolve disputes within 30 days. I would appreciate written confirmation of the resolution once this matter has been addressed. 

Below I will attatch the information and proof you are currently and always have reported this account inaccurate! 

Thank you for your prompt attention to this issue. 

I do give consent for this investigation to be completed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft along with my wife through XX/XX/2019 and XX/XX/2019. I can not get a hold of a single person at this company. Someone has created a fake XXXX email address in XXXX and created an account at experian. I am trying to get it removed, get my account reset, and access my information and can not reach a live person AT ALL. Their online service just directs me to make a phone call and the automated service just directs me back to the website!!!! I have tried everyphone number I could find for this company including the client number. I can not get live help with this! These people are holding my information XXXX and have given it up to the wrong party. 

I attempted to go through traditional mail and received no response and I have multiple things I need to dispute! 
Someone has my AND my wife 's SS numbers, Address, Phone number, bank account information, credit card information. I need help ASAP. This is the only company of the 3 I can not get a hold of and this is the one that is compromised with the fake accounts! 

I have also tried to called XXXX to have them report or delete the fake email accounts and they told me to contact Experian ... 
I have FTC reports, Police Reports, and credit reports from the other 2 bureaus.
Product: Payday loan

LoanMe is reporting erroneous late payments on my credit file and I would like them to update their information accordingly. I made payment arrangements for the end of XXXX, 2015, however there was a miscommunication and my bank account was not charged until 8 days later, on XXXX XXXX, LoanMe made an unauthorized charge to my bank account for twice the amount we had agreed to pay. It appears that LoanMe is penalizing me with late payments being reported to the credit reporting agencies every time I made a payment arrangement with them. Had they communicated to me that a payment arrangement would have resulted in a late payment I never would have agreed to the payment arrangement.
Product: Payday loan, title loan, or personal loan

XX/XX/2020 Checksmart Store # XXXX. {$3000.00} Installment loan approved by corporate. XX/XX/2020 had visited the store, the representative kept saying you will be denied for a larger loan but will qualify for {$1000.00}. When entering XX/XX/2020 another representative had received approval larger amount I was in shock, yet delighted. I had chose to go with an installment loan under impression I no longer had obligations on my vehicle a closer look at this paperwork revealed it is a much larger registration loan and states I could be charged criminally for non payment. I have made one payment already, I tried to inquire at the store for options on how to lower my monthly payment was advised to call corporate talk to the title loan department and advise them it is an installment loan. I already have a loan with XXXX XXXX on this car about $ XXXX outstanding, don't see how putting an interest of security on this car is of any help to Checksmart, I was advised was good customer why would I be put in a position to become bad one?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. 
XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

The two XXXX accounts listed below I was blocked from accessing the accounts or paying them. I had no way of bring them to positive status. 

XXXX XXXX {$1600.00} Other Negative XX/XX/2017 XXXX XXXX {$2700.00} {$1000.00} 274 % Revolving Paid XX/XX/2017 XX/XX/2017
Product: Debt collection

i moved out my place XXXX XXXX tried multiple times to break lease due to abuse. they wouldnt let me because new management and charged me for the months on top of XXXX XXXX eviction. i also have a lot of charge off cars in XXXX a XXXX XXXX  $ XXXX with XXXX XXXX  and XXXXXXXX XXXX XXXX  XXXX with XXXX. also a XXXX bill {$3000.00} 2phones and a wife box that was given back and 1 phone was paid off
Product: Student loan

XXXX I went to XXXX XXXX XXXX OR, then later to find out is was all a scam. I've had little to no luck, finding information to on who to contact to have my loans looked at. The news keeps reporting information with no contacts to call or email. I filed a forgiveness letter through student aid, but no response. It's been a real nightmare with XXXX plus in debt and no relief. Please someone help guide me, I know there are millions of other people in my situation.
Product: Payday loan, title loan, or personal loan

This letter shall serve to provide more background to the complaint that I have made with XXXX XXXX on XX/XX/XXXX of this year. I submit this information under penalty of perjury and attest to the following. 
On XXXX, XXXX of this year, I was defrauded out of {$25000.00} by an online scam. The scam unfolded over a series of events, but it was initiated by an unauthorized transfer from my Wells Fargo credit line. This transfer was done without my permission or knowledge and Wells Fargo never alerted me to its occurrence- despite the fact that the account from which the funds were transferred had not been active for nearly 56 years. The fraudulent and undetected transfer formed the entire basis of the scam ; since it was disguised as an outside deposit and provided the entire basis upon which the subsequent events occurred. 
Given the prevalence of internet related fraud and the corresponding authentication procedures that have arisen in response, I was astonished to learn that there were absolutely no precautionary measures taken on a credit line that was completely inactive. More importantly, however, is that when I went to my local branch to complain, I was told by Bank XXXX XXXX XXXX that an investigation by Wells Fargo Online Fraud Department determined that you or someone who had your authority authorized the withdrawal of {$25000.00} from my line of credit. Therefore, we have closed your claim. ( Document # XXXX ). 
It is bad enough that Wells Fargo failed to properly flag and notify me of this serious breach of my account by an outside party, but I now am being told that I somehow am ultimately responsible for this unauthorized activity- despite the fact that I was never even made aware of it in the first place. This is completely unacceptable and a violation of the Consumer Protection Act of 1968 and the Electronic Fund Transfer Act of XXXX which protect consumers from fraudulent and unauthorized withdrawal such as this one. 
I am an XXXX widower and retired veteran. I have been a faithful client for close to 58 years and expect the level of service and respect that I came to know Wells Fargo for offering. I demand that I be credited back for the {$25000.00} that were taken from my credit line immediately. I have already notified the California Attorney Generals Office, The Federal Trade Commission and the Federal Consumer Financial Protection Bureau. If this dispute is not met with my satisfaction, I intend to take the following steps : 1. I will hire a suitable lawyer and initiate a class action against Wells Fargo Bank.

2. I will send articles about my experience with Wells Fargo to all the local newspapers and will go on television with this story focusing on my treatment by Wells Fargo Bank after 56 years as a Wells Fargo client! 
During these scam transactions my computer was frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$6500.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. NOT PROVIDED ACCOUNT NUMBER XXXX BALANCE {$640.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$2600.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$8200.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE {$1500.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE {$3400.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. 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 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

In accordance with the fair credit reporting act XXXX account, XXXX has violated my rights Under the HIPPA Law, a HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not give permission 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction
Product: Credit reporting

When my son moved out, the post office also forwarded mail in my maiden name and reported his apartment address ( XXXX ) on my credit report, but I never lived there and still live/own my house on XXXX XXXX XXXX Attached are current utility bills.
Product: Checking or savings account

Direct deposits are missing from my account, the bank he no answer why it never credited me. Also a merchant credited my account and also withdrew that same credit the bank performed a reversal never gave me a temporary credit and even after it was approved didnt credit my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Ally Financial have violated my rights as a consumer. The rights that have been violated are as follows : 15 USC 1681 sec. 602a states that I have the right to privacy 15 USC 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681 section 604a section 2 states that a credit reporting agency can not furnish an account without my written instructions Furthermore, as a victim of identity theft anything that I did not do is to be stricken from my credit report or I have the right to sue in state and federal court. I already have a lawyer and litigation will follow promptly
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft that I informed Experian, XXXX and XXXX about years ago that my purse was stolen with my state issued identification, social security cards and debit cards was amongst those things in my purse and since then I have been struggling to build my credit history due to these fraud accounts that they won't allow me to establish my history
Product: Payday loan, title loan, personal loan, or advance loan

I checked my credit report today. Periodically I do that and I found something on there that was not mine it seems that money spot at sunshine loans has approved someone for a loan I did not receive any funds for that but it is on my credit report as a charge off I need someone to take a look at that cuz it is not mine and it's ruining my credit report and I need to I'm trying to buy a house. 
Thank you so much XXXX XXXX
Product: Credit card

Citi XXXX AAdvantage XXXX XXXX XXXX XXXX : https : //www.citi.com/usc/LPACA/AA/AAdvantage/Exec/PS/index0.html Stated benefit for being a paying cardmember : " Earn a statement credit of up to {$10.00} per monthly billing statement on eligible XXXX  purchases, for a total of up to {$120.00} every 12 billing statements. '' $ XXXX  monthly XXXX credit has not posted for my XX/XX/year> or XX/XX/year> statements. Have called Citi Customer Service several times now, including today ( XXXX XX/XX/year> ). Latest bulletin read by employee is from XXXX, stating that Citi is aware of the issue and is working on resolution, with no timeline for resolution provided. 

Instead of manually crediting cardmembers, Citi is simply refusing to grant the publicly-stated benefits for cardmembers paying the {$590.00} annual fee.
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX. The adverse information attached which may appear ( or currently appears ) on a Consumer Report or Background Check, is the result of XXXX. Pursuant to 605C of the Fair Credit Reporting Act, I respectfully request that you block the reporting of the adverse information identified above ( and any other information related there to ) within four business days ( see 12 CFR 1022.142 ( e ) ( 1 ) ). In addition, please send me notification of the action taken pursuant to this request within five business days ( see 12 CFR 1022.142 ( f ) ).