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

On XX/XX/2021, I sold my virtual currency of XXXX Bitcoin and XXXX XXXX, which was net worth of approximately {$1100.00}. Even after I sold the currency, no balance was shown up into my account. I contacted the customer service via email ( Since only method they offer is via email ) after 9 days ( XX/XX/2021, 7 business days ) of not seeing my balance into the account about this matter. Till then, since I did not receive a response from them, I sent another email on XX/XX/2021, XX/XX/2021, and then XX/XX/2021, but still receiving an automatic response from them that they are having a high volume of the inquiry. Still the issue is not resolved, and planning to claim a small case against the company soon. This company needs to close down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am consumer and I am submitting this complaint without any other party or credit repair organization. Enclosed is a consumer report dated XX/XX/2022 received by Experian as evidence of violation whereby any authorization or approval of a specific extension of credit ( 12 CFR 1002.2 account ) directly or indirectly by the issuer of a credit card or similar device ( form XXXX ) is to be excluded from a consumer report circled in red without consumer consent. I submitted a dispute and several request for XXXX XXXX XXXXXXXX XXXX demanding compliance to the Fair Credit Reporting Act XXXX USC 1681b ( a ) ( XXXX ) instructing XXXX XXXX XXXX to cease furnishing and remove my nonpublic personal information associated with Equal Credit Opportunity Act XXXX XXXX XXXX account per the Gramm Leech Bailey Act 15 USC 6801 and 6802 ( e ) ( XXXX ) from any and all third parties, consumer reporting agencies, to include XXXX, XXXX, Experian. XXXXXXXX XXXX XXXX XXXX has dishonored my right of privacy and confidentiality in disregard of 12 CFR 1016.15 ( a ) ( XXXX ) revocation and the congressional findings of 15 USC 1681. Enclosed is a consumer report dated XX/XX/2022 received by Experian as evidence of violation whereby any authorization or approval of a specific extension of credit ( 12 CFR 1002.2 account ) directly or indirectly by the issuer of a credit card or similar device ( form XXXX ) is to be excluded from a consumer report. 15 USC 1681a also specifies that a consumer report excludes 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. 
Account name : Applied Bank # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 1681Section 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 a account without my written instructions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A per
son 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 card

Citi Bank did not reissue me my credit card upon expiration ( XX/XX/2016 ) stating the reason is because I have another account by Citi Bank that is closed and in a repayment program. I had closed another credit card by Citi Bank several YEARS ago and enrolled in a repayment program. This had nothing to do with any other account I have with Citi Bank. My account with Citi Bank is current, and therefore closing one account by MY choice several years ago should not have had a negative affect on a different Citi Bank account, in good standings, several years later. This is unfair and deceptive of Citi Bank to " punish the customer '', as well as adversely affecting my credit.
Product: Credit card or prepaid card

On XX/XX/XXXX - Citibank charged me {$25.00} late fee, when I was a couple hours late with the payment, due to a computer problem. When I reached out to them for a courtesy fee refund, Citi refused  stating that there was already a fee reversal on this account in the past year. 
This is simply not true - the attached pictures show that there were no late fees in XXXX or XXXX preceding the late fee.
Product: Credit reporting or other personal consumer reports

On different occasions I have disputed the account for my XXXX XXXX XXXX car loan that erroneously appears 9 late payments on my Experian, XXXX and XXXX credit report without having an effective response to the request, and I even made a report where I notified that I had requested a payment extension and these were not taken into account. I explained it and also sent it, but it is noted by Experian, XXXX and XXXX that they did. not conducting an efficient investigation to determine that those late payments that appear on my XXXX XXXX XXXX credit report do not belong to me, MY LOAN HAS ALWAYS BEEN PAID ON THE PAYMENT DATES this information is affecting me since it harms me when applying for my mortgage loan I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other active accounts that are currently reporting and that is why I request that these erroneous late payments that appear in EXPERIAN, XXXX AND XXXX be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information shown below is the erroneous information shown in Experian, XXXX and XXXX. XXXX XXXX XXXX Account number XXXX : CURRENT, WAS PAST DUE 60 DAYS Remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

My account was suddenly closed by Gemini on XX/XX/2023. After contacting customer service, I submitted the required documents as required, but did not receive any reply
Product: Debt collection

I was notified on Wednesday, XX/XX/XXXX that a judgement was placed against my name, and a lien placed on a property I co-owned with my husband. We were notified of this judgment by the closing attorney, two days before the closing of our land was scheduled ( XX/XX/XXXX ). We were told that a large amount of money would have to be paid at closing. I called to speak with XXXX XXXXr, General Manager of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- the law firm representing the creditor, XXXX XXXX. I was notified by the closing attorney and by XXXX XXXX that my social security number matched their records, and that this judgement was mine. I do not recognize the name of the credit card in question. The card name is from the XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX/Mastercard . XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( a partner who recently merged with The XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) informed me that this was the name of the card used to accumulate these charges. I do not recall having a credit card by this name. When I googled " XXXX XXXX XXXX '', a few real estate developer names appeared. I could find no record via internet search of XXXX XXXX XXXX being in partnership with XXXX XXXX XXXX. I have no bank statements in my records from any such company. When I asked for a copy of all of the charges and purchases placed on the card, both XXXX XXXX and XXXX XXXX stated that they did not have this information in their records.
With two days before the closing on the sale of our land, I had to make the decision to deduct {$8800.00} from the cash sale of our property to pay XXXX XXXX. If I had not paid this amount, my husband and I would have lost the sale of our property. This amount was wired, in full, and received by XXXX XXXX, listing XXXX XXXX as a Beneficiary.
I am concerned about these charges being fraudulent. I checked my credit report today, and there was no record on my XXXX credit report of these charges. Furthermore, I never received an affidavit of service related to this lawsuit. I have also never received any notification of the judgement from The County of XXXX. The first I learned of this lawsuit was two days before the closing date of our property sale.
Product: Credit reporting or other personal consumer reports

This is my refiling complaint to EXPERIAN for still allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Vehicle loan or lease

I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a XXXX, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. 
SANTANDER CONSUMER USA
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024 a withdrawal of {$300.00} without notice was taken from my account via debit card. This is a past due payment but, Ive been unemployed and struggling. The money they took without warning now leaves me homeless as it was to be used for living quarters. I was going to arrange payments once steady income begins but, I am in no position to be out of {$300.00}. 

I believe some communication and payment plan should have taken place first. 

I feel this is extremely harmful without they were planning to withdraw said amount on this day.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I can't understand why this happened. I regularly check my credit report, but this time, I noticed discrepancies that came out of nowhere. I even refreshed my browser, hoping it was just a glitch, but nothing changedthe inaccurate accounts were still there. I am begging for the documents Ive sent to be carefully reviewed so I can finally stop worrying about this nightmare.
Product: Checking or savings account

The MT Bank locked my account to operate over the Internet. I have a DPOA on my behalf, it is my wife to make electronic payments and MT Bank blocked my account intentionally do not let my DPOA not to be able to help me. The MT Bank knew that I am using my DPOA as a translator for myself too when I tried to get my signature simply notarized at the bank on the document and the notary at the bank refused to notarize my signature and after talking to my DPOA began to create a problem for us. I got a non payment problem for not paying my electronic bill on time without an electronic access. The ID and Password was correct, but Bank immediately locked access and left no way to get in and pay and began to use all kind of excuses. Neither I am or my wife stay in XXXX XXXX right now and I need especially go there as the MT bank representatives demand now. It is already almost a month like the electronic access was lost. Today it was XXXX and XXXX online and they brutally sent me to the bank, while I was on line with my wife. It is outrageous abuse and I will request the bank to pay for it.
Product: Money transfer, virtual currency, or money service

Im writing this complaint about my account I had with Wells Fargo for years. I had multiple products and accounts with them. I never received my settlement which I started the process on XX/XX/XXXX XXXX XXXX. I never received any more information about it. Ive reached out to Wells Fargo plenty of times no response. I was a victim of XXXX fraud & credit defense fee fraud as well with Wells Fargo Fargo Accounts Wells Fargo My rights was violated 15 usc 1681 which Im supposed to be protected by the federal law. 

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

Sometime in XX/XX/XXXX I sent request to TransUnion for investigation of XXXX reporting on my report. TransUnion sent response file no XXXX which says VERIFIED AS ACCURATE. I submitted another dispute on XXXX XXXX. Received confirmation of receipt from postal service XX/XX/XXXX. XXXX dated XX/XX/XXXX received from TransUnion stating request received with my information such as drivers license and ssn card but it wasnt sent from me or an authorized third party. They didn't process. I called on XX/XX/XXXX to tell them I a natural person did send letter. Spoke with XXXX who identify self as Supervisor. After verifying it was indeed a real person, she proceeded to get me to give dispute details to process over phone or direct me to upload on website. She stated did not have 2nd request to remove unverified account. This document that was sent a few weeks ago but not in their possession. How should we believe they handle any consumers file properly. This is a violation of Fair Credit Debt Practicing Act. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they MUST remove said information from the consumer file.

The U.S. Bankruptcy courts in this case would in fact be the ORIGINAL CREDITOR. A The bankruptcy courts respond back with a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 

Third party XXXX XXXX has provided documentation that it could not validate this public record information. As it is the credit reporting agencies, and or other third-party providers who collect information regarding public cases from public records. Public records information is never validated by the Recorder of Deeds nor the XXXX XXXX system due to the XXXX XXXX XXXX XXXX PRIVACY LAW. 

TransUnion is BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation 15 USC 1681a ( e ). An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

You are violating 15 1681b ( a ) ( 2 ) considering you do not have my consent to furnish any information.

Per 15 USC 1681c ( a ) bankruptcy information is excluded from the consumers report. 

TransUnion fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family
Product: Mortgage

I obtained a mortgage of {$190000.00} from XXXX XXXX XXXX Mortgage XX/XX/XXXX with a PMI of {$100.00}. The ORIGINAL HOME VALUE was {$230000.00}. The mortgage was immediately sold XXXX and had it for 5 years. In XX/XX/XXXX I applied for a loan modification and got approved where my mortgage was now {$190000.00}. In XX/XX/XXXX my mortgage was again sold to Green Tree. Since XX/XX/XXXX I have continuously asked for my PMI to be removed but kept on being denied. This year XXXX XX/XX/XXXX XXXX my mortgage is at {$160000.00} I asked for the automatic termination as stated in the Homeowners Protection Act. I got the run around for months and after months of it, I finally received a letter XX/XX/XXXX that my PMI will be automatically terminated XX/XX/XXXX. It is now XXXX and I am still being charged a PMI and after numerous phone calls, faxes and requests, they are now stating that my PMI will be terminated XX/XX/XXXX!! XX/XX/XXXX I will reach 62 % of my LTV ratio. 
GreenTree ( Ditech now ) is NOT in compliance of the Homeowners Protection Act for the following reasons. 
1. Loan modification in XX/XX/XXXX did not include a new letter or contract for the PMI stating the terms, time of automatic cancellation or when my loan would reach 80 % LTV ratio. They are refusing to supply me with this type of letter. 
2. There was no new appraisal to calculate LTV ratio during loan modification. 
3. They are NOT using the original appraisal value to calculate LTV ratio to remove PMI. I do not know what value they are using because they did not do another appraisal on my home besides the original appraisal. I asked them for the appraisals that they have on file and they only gave me the original of {$230000.00}. 
4. Currently my LTV is XXXX % when using ORIGINAL HOME VALUE. 
5. They are not honoring they letter to remove PMI XX/XX/XXXX. 
6. Ditech is now requiring me to complete a customer-requested cancellation where I have to pay for another appraisal, but it is not necessary as this should be an automatic termination since my LTV is XXXX % and nowhere near 80 %!!!! 
7. Refuse to put anything in writing when asked for letters stating their position and explanation. 
8. Refuse to allow me to speak with anyone such as the escrow department other than customer service. Customer service ALWAYS states that they do not know or are unaware and will forward my information and someone will get back to me either by phone, email or mail. No one ever responds. 

GreenTree ( Ditech ) is NOT in compliance with the Homeowners Protection Act of XX/XX/XXXX and should be fined!!
Product: Credit card or prepaid card

Since my original complaint that was filed against Commenity for a XXXX credit card, they have NOT resolved the issue. What has happened : XXXX. Lowered my credit limit XXXX. Closed account 3.Not contacted me in writing as to these changes I feel this is retaliatory and has hurt my credit score by almost 100 points.
Product: Credit reporting or other personal consumer reports

I need support with the following inquiries that were made without my knowledge or consent and request that they be removed from my reports, as they appear to be related to identity theft. I have attempted to reach out for assistance but have not received any support. 

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

This is the refilling of my complaint to EXPERIAN. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and accounts with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the FTC report to support my complaint with the FTC report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed months ago, yet is still showing as open on my Credit Report : XXXX XXXX. Please remove from credit report.
Product: Debt collection

I had vet services through XXXX XXXX Hospital for my dog. I terminated services with the vet ( not having a balance ) in XX/XX/2012 once I received orders that would have me stationed outside of the US and not within the area of one of these vet clinics. I moved at the end of XX/XX/2012 and my dog was transferred to a military base vet. When I logged onto the XXXX account I had set up, I saw that two shots were administered to my dog on or around XX/XX/2012 and charges were applied to an account that had already been terminated. These charges were applied to an account I terminated prior to leaving the US. I  was not notified of my pet receiving care at the clinic, I did not authorize my pet to receive care at this clinic, nor did I authorize charges be made to me.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

I looked at my transunion credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize nor consent to these inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Went into my bank to cash a check. Was informed that ChexSystems was reporting negative information about me to my bank. Chexsystems has no permission from me to report negative or positive information, I never gave consent for Chexsystems to have my information. The alleged debt is 10 years old. My bank is not allowing me to use my account due to the negative report from ChexSystems. The alleged debt is from XX/XX/2012. I never gave consent for my information to be shared, negative or positive. I have no information or account number. I don't consent to extortion.