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

On XX/XX/22, a direct money link transfer of {$10000.00} was made from my personal XXXX brokerage account into a Crypto.com account. This was done using exactly the methods of transfer requested by Crypto.com. Another direct transfer of account-to-account using the exact " seamless '' quick method advertised by Crypto.com was used to conduct a wire transfer of {$1000.00} to my Crypto.com account as well. It was advertised that by Crypto.com that using these methods would see the funds deposited in my account within 24hrs. This never happened. 
When Crypto.com was contacted about these transferred, which were confirmed accepted and completed by my institution, they claimed to have no record and requested multiple rounds of personal information including name, social security, personals bank account numbers, and personal banks statements. When these were provided, they stated that they did not have the correct information and thus could help. When I pointed out their own policy that any funds that do not make it into the designated account are to be returned to the sending institution within 7 to 11 business days, they directly contradicted this and stated they needed further personal financial information to confirm my identity and transaction. At this time, they claim they do not have any knowledge of these transfers or where the money may be and can not assist me further unless I divulge the entirety of my personal banking information to them. 

These requests and inability to conduct basic financial transactions concern me for fraud and theft by Crypto.com against myself and while I will likely not have this issue resolved, I wish to make a formal complaint and enter it against Crypto.com.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert e-mail from my bank on Sunday XX/XX/2023 stating a lender checked my credit report AND verified my identity. After accessed into my bank 's mobile app, I found info on the lender and called Monday XX/XX/2023. To my surprise and relief a rep answered and after exchanging info, she informed me the credit card that I didn't apply for was flagged and on hold pending further investigation. She also informed me it was applied for on-line and none of my personal devices were used for this action. Please consider this a concern and not a complaint against the lender. My complaint is with the person/people who attempted to use my info to get a credit card!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX SEQUIUM ASSET SOLUTIONS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Notice of Dispute for Improper Communication in Debt Collection Violation of 15 U.S. Code 1692c Dear SEQUIUM ASSET SOLUTIONS, I am writing to formally dispute your recent communications regarding an alleged debt that I am purported to owe. This dispute is in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c. 

In your communications dated XX/XX/XXXX of improper communication, you violated my rights as outlined in the FDCPA by : Contacting me at an inconvenient time, specifically XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Contacting me at my place of employment, despite knowing or having reason to know that my employer prohibits such communications. 
Failing to communicate through my attorney, despite being informed that I am represented by legal counsel.

These actions are clear violations of the protections provided under 15 U.S. Code 1692c. As a consumer, I am entitled to privacy and fair treatment, and your conduct has been contrary to these legal standards. 

I hereby request that you cease all further communication with me, except as legally required, and that you take immediate steps to correct your procedures in compliance with the FDCPA. Any further violations of my rights may result in legal action. Additionally, I am requesting full validation of the debt, including : 1. Verification of the amount of the debt ; 2. The name of the original creditor ; 3. Any supporting documentation proving that I am liable for this debt. Please respond in writing to acknowledge receipt of this notice within 30 day
s. Failure to comply with this request may lead to further actions, including filing complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).

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

Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$3000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was settled and paid in full on XX/XX/2016. ( Please see the attached letter dated XX/XX/2016 from XXXX XXXX XXXX , XXXX. ) This incorrect reporting of a collection is harming my credit score and these line items need to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit card or prepaid card

I have a Capital One Platinum Credit Card. Last year I was going through financial hardships because I was in between jobs. I could not make a payment on one of me credit cards right away and missed the payment due date. 
I was unaware because of my lack of credit knowledge until know that this was disputable. This is my first credit card and it has since hurt my credit score because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ... .did not take ACH payment which made account late XX/XX/XXXX ... took {$330.00}, couldn't find for over a week and ended up that amount was applies to another persons account. 
XX/XX/XXXX ... associate did something to our account which made three payments come out within ours of eachother. I told supervisor to please listen to the 'recorded conversation ' and her response was there was a 'learning experience ' rather than financially assist us. 
XX/XX/XXXX ... recieved letter regarding an amount of over {$1000.00} we were to pay by XX/XX/XXXX, to call and make arrangements for amount due of a different amount. As of that date 1. our account with them doesn't end for another year. 2. we asked for a payoff amount ... period! 3. We had already paid over a thousand at the time of the letter. 

when we asked for them to correct our negative credit reporting their answer was that because our credit union had disputed the transactions ... ..it was their fault and they would not change anything. 

We have all documentation from our bank and the emails from the supervisor of the company.
Product: Debt collection

I have no active contract with this company, I have never contracted or agreed to any commerce with this company. This company purchased my personal property and information from another vendor, as a third party, committing identity theft, security fraud and now a breach of fiduciary duty as holder of my securities. I have requested the necessary documents for this company to prove that my principal ( the creditor ) indeed owes the debt that they allege. They have yet to provide any proof, yet they continue to report false and negative information to the consumer reporting agencies, prohibiting me from securing housing and adequate transportation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed Chapter XXXX bankruptcy. I was not late or delinquent on any of my accounts during this month. I was actually only late on XXXX accounts in the past 7 years. Kohls/Capital One reported my account negative XX/XX/XXXX, the month I filed Chapter XXXX. 

I filed a dispute through XXXX and they updated the status to Never Late on XX/XX/XXXX but left the negative history on XX/XX/XXXX. 

This is showing as a negative account on my credit report and is absolutely not correct I was not late/negative/delinquent at all in XXXX or XXXX and it should not be reporting negative. 

My reports do show " Discharged through bankruptcy chapter XXXX/Never LatXXXX '' however the negative reporting on any months where there was no late payment made should be removed. 

I am attaching copy of my credit report for Kohls/Capital One to show what I mean by negative payment history.
Product: Credit reporting or other personal consumer reports

My credit score dropped by XXXX points in one week. Come to find out I have an outstanding XXXX XXXX from XXXX for {$24000.00} ( plus interest ). They have flagged my credit due to an outstanding balance since XX/XX/XXXX ( They began in XX/XX/XXXX due to the XXXX pause ). I was unaware of this loan because I thought I was getting XXXX  Aid, and the rest of my loans I took out from XXXX XXXX, which are now XXXX XXXX paid. 

I called them and they said have sent me emails to let me know I have a balance, but the email on file was not mine, nor was the phone number. I have asked them to dispute the bad credit, but they said they can not due to the fact that they " emailed me ''. Again, the email was not mine. I had no idea I had another loan because I thought I was filing for financial aid ( back in XXXX ). 

I have made it clear that I will pay the loan back. I have already paid the outstanding balance on my account, but I would like to get the bad credit disputed. 

They never hit my credit before XX/XX/XXXX, instead they deducted my credit XXXX points in the matter of a week. If they had done it back in XXXX, even just a little I would have gotten a notification that something was wrong. 

I am frustrated because of the lack of solutions the company is giving me, as well as the MAJOR lack of communication with my loan.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against TransUnion to the CFPB due to their failure to adequately respond to my dispute attempts regarding inaccurate items on my credit report. On XX/XX/XXXX, I mailed a dispute letter to TransUnion requesting an investigation into the inaccuracies. Additionally, I disputed incorrect personal information listed on my credit report and provided supporting documentation to verify my identity and address. 

TransUnion responded on XX/XX/XXXX, stating that they did not process my request as it did not appear to come directly from me or an authorized third party. Despite this, I sent follow-up disputes to TransUnion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, I have not received any further response from TransUnion regarding these disputes. 

Under the Fair Credit Reporting Act, credit bureaus are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of any information in their file. It is evident that TransUnion has failed to fulfill this obligation by not conducting a reasonable investigation upon receipt of my disputes.
Product: Credit reporting or other personal consumer reports

Ive mailed in two dispute letters within 60 days to Experian in regards to the accounts below and about deleting the XXXX XXXX off of my credit report as well, by phone and 2 letters. 

XXXX XXXX XXXX  XXXX Original creditor : XXXX XXXX Has been deleted by XXXX and XXXX/Information was unverifiable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Requested documents verifying this debt for the second time within 60 days and debt has not been be removed and is affecting my ability to get approved for other credit and house -XXXX XXXX XXXX Original creditor : XXXX  Requested documents verifying this debt for the second time within 60 days and debt has not been be removed and is affecting my ability to get approved for other credit and house -XXXX XXXX This is an unverifiable closed account by s thats been disputed twice within t he last 60 days and remains on my report affecting my credit XXXX XXXX XXXX XXXX, TX XXXX- This is not my address nor have I ever stayed here and would like this confusing information removed immediately. 


All of he above accounts are reporting late payments every month which is effecting my credit even more. 

Please provide documents or physical evidence of debt and remove unknown address within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I hope this letter reaches you in good health and spirit. My payment installments have came off of hardship, I updated my card on file before this happened and my payments are not going through. Now Im being charged late fees for installments that I have funds to pay but for some reason Klarna is not allowing my payments to go through. Since the payment failed its going to charge my card more and I can only afford small payments at this time, not double and triple payments. Can you please help me resolve this matter by reducing the payment amount, take the late fees off and allow my payments to go through? Thank you very much for your time. Have a wonderful day and please continue to be safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following inaccurate and incomplete information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I have been a victim of identity theft and many accounts were established in my name without my knowledge or consent. The following information you have placed on my file has seriously affected my ability to obtain credit. Please be reminded that it is important for credit agencies to maintain accurate information per The Fair Credit Reporting Act. I have provided you with a Federal Trade Commission Identity Theft Report detailing the incident. I have been working with police and I have hired a private investigator to help stop the use of my name by someone who has stolen my identity. The following information does not belong to me and should be deleted from my credit file immediately. 
Based on, XXXX5 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
Fraudulent/Negative Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am in the process of applying for a Mortgage loan. In Early XXXX, I noticed that the wrong Balance/Credit Limit was being reported on XXXX of my account. I called the Live Help Line of Equifax and the CSR asked me to tell her the correct information. However I just requested my Credit report today ( XXXX/XXXX/15 ) and the only information which have been updated is the Credit Limit. Almost 1 year of my payment history is not updated. Upon further review, I noticed that all my account listed on Equifax are missing my actual credit limits/payment history/balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello there were a fe account on my credit report that I submitted and investigation for and they fell off my credit report. They appeared on my report again without any notice. According to section 611 of the FCRA 'the information may to be reinserted in the file by the consumer reporting agencies unless the person who in furnishing the information certifies the information is complete and accurate ' The FCRA also states 'consumer agencies shall notify the consume of the reinsertion in writing not later than 5 business days after reinsertion I have listed the accounts they reinserted below XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Inaccurate account on credit bureaus : Bank of America XXXX To : XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX To : XXXX  To : XXXX  According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see with my own eyes - Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo, was contacted several times regarding a debt on my credit profile for {$3500.00}. 1 ) Provided the identity theft report/documents 2 ) Proof of resident and employment in VA ; therefore the account was open in Florida ... 3 ) Contact Wells Fargo again, again and again ; the retaliation was placing this derogatory information with XXXX XXXX XXXX ( XXXX ) and they are asking for {$380.00} to investigate. 4 ) My bank account was closed because of Wells Fargo. <P/>Please advise.
Product: Credit card

I opened a Macy 's card on XX/XX/XXXX. I just checked my credit report and see that it was closed due to inactivity on XX/XX/XXXX. I was never notified that it was going to be closed. Since it was XXXX of my older accounts, now that it is closed, it has effected the average age of my credit history, which is negatively impacted my credit score. I would like for the account to be reinstated so that my history of good payments can be reflected on my credit report.
Product: Credit card or prepaid card

{$120.00} used fraudulently on XXXX XXXX which is an XXXX food company/stock company. Somebody knows my card info in XXXX. 
I called my card company ( XXXX XXXX ) only for them to tell me they can't do anything about the fraudulent purchases until payment goes through. I asked why they couldn't cancel the pending purchase and they said they are going to send me a new card instead. I didn't ask for a new card I asked that I get my money back cause it's all I have left until I get another job. XXXX XXXX scammed me and won't return my money when I demanded it back. I live in XXXX by the way.
Product: Student loan

Dear Agent, I want to file a complaint about CornerStone Education Loan Service. This organization is run by the XXXX XXXXXXXX XXXX XXXX XXXX. CornerStone services federal student loans for borrowers all over the country. First, my loans were transferred to this company in XXXX. I had trouble paying the loans and they never offered PSLF option or IBR options. From XXXX until XXXX, I was placed on Forbearance without any true explanation of the increased interest nor information about PSLF with IBR. I feel this was unlawful withholding of information for years. Had I known, I would not have accepted/agreed to Forbearance. Therefore, with this current student loan wavier I did not qualify for loan forgiveness. I worked in a nonprofit for 13 years. Once Cornerstone stopped servicing loans, I transferred to FedLoans. There I did my own due diligence and learned about IBR. As you are aware, the lawsuits and misinformation is true and real. 
Please search this company and seek justice for us students. What occurred when these companies took over the loan is not fair or justice. 
Please help many of us who were influenced into forbearance, to get that time back, and have forbearance count towards this wavier, so that we can qualify for loan forgiveness.