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

I took out a cash loan fully backed by my Bitcoin holdings with Unchained Capital in 2021 when I was a Hawaiian resident, with the understanding that I would be eligible for a renewal loan at a later date. I was told by the company that they could open a bitcoin-backed cash loan for my company, but not as an individual. After the loan was open, the Bitcoin market experienced a significant drop, causing the value of my collateral to decrease temporarily. Despite the repeated assurance by phone and online messages of a renewal loan as an option right before the loan matured, Unchained Capital denied my renewal opportunity days before the maturity date by email, even though my loan was more than adequately collateralized, when the Bitcoin price was at its lowest point in recent history, leaving me in a precarious position. 

As a result of this denial, I was forced into liquidation, and I tragically lost half of my valuable Bitcoin holdings, even though I had enough bitcoin to back another loan of the same cash value. They used high pressure to force me to tell them to take immediate action because the loan was in delinquent on the day I normally made my monthly interest payment. Without confirming with me, they also sent a XXXX  demand letter to my previous address in Hawaii despite the fact that I was living in the state of Washington. My previous landlord got the letter and opened it and my former neighbors all learnt that I was a loan delinquent and they speculated that was probably the reason that I left Hawaii because I must have been broke. Indeed, the loss of a significant portion of my bitcoin holding has had a severe impact on my financial stability and long-term plans. I expected better treatment from a reputable company like Unchained Capital, especially considering our previous positive interactions. 

To make matters worse, I have recently received an offer from Unchained Capital for a similar loan again, now that the Bitcoin market is showing signs of improvement. This raises serious concerns about the ethical nature of the company 's predatory lending practices. It appears that Unchained Capital is capitalizing on fluctuations in the market to the detriment of its customers, myself included. 

I strongly believe that this lending practice is not only highly unethical but could potentially be in violation of relevant regulations and laws governing financial services.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX . I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer. CFPB Complaint ExampleTOP
Product: Mortgage

XXXX XXXX, XXXX On XXXX XXXX, XXXX, I received a response from NationStar Mortgage XXXX XXXX XXXX # XXXX. After further review with XXXX XXXX, we were advised that the account was settled in full on XXXX XXXX, XXXX, and that the credit report will be updated in XXXX XXXX. 

Upon information and belief, this meant the account would reflect account settled in full. The account today XXXX/XXXX/XXXX reads settled in full for less than the total balance. 

This is the second time I was advised the account would report to the credit bureau as settled in full. The first time was on XXXX/XXXX/XXXX XXXX XXXX  writes These payments will be posted to your account and will be accepted on the above balance as settled in full, with no future liability to you once completed. '' See enclosed document. 

The words used XXXX XXXX in their documents difficult for some consumers like me to understand. For example, the word settled for me mean the account is to be settled in full. with no future liability to you once completed said that paying a settlement amount would have no adverse effect on ones credit history. 

I was misled to believe having a settlement would have no adverse effect on my credit. It is important to note from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I made payments every month. 
The simple words settled in full and the words added to the end of the sentence for less than the full balance '' to be a ray of sunshine for most consumers. 

Most consumers this would be followed by a conversation with XXXX what those words meant and allow for the consumer to make an informed decision as to how to proceed most welcoming. 

XXXX written words need to be explicit. The words " for less than the full balance in all necessary documents. The cost to the consumer for XXXX XXXX not to be forthcoming to be a seven-year- thunderstorm over the consumers head painfully. I would like XXXX XXXX Nationstar Mr. Cooper to update my credit as agreed on XXXX XXXX, XXXX, letter to say the account was settled in full. 
Kindest Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U. S. C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : Aldo states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account from a company named XXXX  was opened on 2018 for {$1000.00} and I didnt do this. I recently found out it was on my Experian while applying for my first credit cards, and due to the fair credit report act received back denial reasons. I was a victim of the XXXX data breach. Maybe this was the cause. On my credit report I barely have a credit history, and there are no signs of other derogatory ( late payments, charge off etc ) to point this to me. This is clearly out of place. This disputing started back last year however because credit repair companies arent the account holders they didnt have to entertain it. I put in a dispute XX/XX/XXXX, and repeatedly sent in documents since then but they claim they havent received all documentations. Now this company refuses to remove it. XXXX is currently being sued for FRAUD and scamming. Experian Information Solutions has failed to properly investigate and correct my credit report information disputed by me. There response was automated.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : CXXXX 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 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

First, I bought the XXXX ETH and then sent XXXXETH to XXXX ( to external account XXXX ) on XX/XX/XXXX through Coinbase/GDAX account. 
I have a history on GDAX account and a record with email. 

XXXX : XXXX *XXXX token address - XXXX Secondly, XXXX   sent XXXX XXXX tokens to GDAX ( to account XXXX ) Please find thehash link below XXXX   XXXX XXXXXXXXXXXX XXXXXXXX GDAX told me they can't give or refund me XXXX tokens or XXXXETH. 
I don't know how can I solve this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 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 or other personal consumer reports

I would like to follow up in regards of repeated appearance of negative items in my credit file. I have diligently provided all necessary documentation and followed all required procedures to substantiate my claims of fraud. Despite these efforts and numerous follow-up communications, the fraudulent items remain on my account, causing significant financial and emotional distress. The persistent presence of these fraudulent items is unacceptable and undermines my confidence in your institution 's ability to protect my financial interests. It is imperative that this issue be escalated within your organization to ensure an expedited and thorough resolution. Please ensure that all fraudulent transactions are expunged from my account without further delay and have a thorough Investigation as well as please assist me to conduct a comprehensive review to identify and address the root cause of these unauthorized charges, implementing robust measures to prevent future occurrences. Please help me remove these fraud items in my credit file immediately : XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX  XXXX, DE XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$680.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I currently have XXXX accounts XXXX inquiries and a incorrect address appearing on my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. if my issue is not resloved. 
i have been victim of identity theft for over 9 years. i have been trying my best to reslove this issue. i have did what is in my power. but they are not listening or understanding Law Lets use the power of Law now : 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; Attached ( 2 ) a copy of an identity theft report ; Attached, Police and FTC ( 3 ) the identification of such information by the consumer ; and Attached ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Answer : XXXX, Transunion, XXXX and XXXX XXXX : first delete all my information. because of you data, i can not rent a apartment and lost job with XXXX  and many more. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Issues with my aspire card I have been going round and round with them the closed my account then went back and said the charges were fraudulent and removed them. Why are they refusing to reopen my account? These charges are not my responsibility and aspire card removed them. Why will they not issue a new card and open my account?
Product: Debt collection

I called today to get my original bill and itemized invoices. They denied my request and wet every rude. She told me XXXX the manager said I was just trying to get out of paying my bills and I needed to grow up. Told me I was just using some gerrerbish and said I was being sleezey.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XX/XX/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 XXXXk ) XX/XX/XXXX has violated my rights. 

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 a account without my written instructions
Product: Debt collection

Colombia debt recovery collection agency try to collect money from me about unpaid rent money which is erroneous about the sum of XXXX dollars, on XXXX I rented an apartment, during XXXX since the building was very unsanitary with mice and rats and dog waist, I notified the manager one month ahead of time that I was moving out They claim that I did not notify them, actually they rented the apartment a day after I left, so they try collect rent from me too at the same time, this is a fraudulent claim. 
Plus during the XXXX period of time the city compensated the landlord with different claims.
Product: Payday loan, title loan, personal loan, or advance loan

I had a loan with this company that was garnishing my wages. When the full garnishment was almost paid {$2200.00} we filed XXXX XXXX. The company continued to garnish me even after the XXXX was filed and they were notified. They collected nearly {$1000.00} after they were notified thus paying the full, original garnishment. It was paid in full. Because the XXXX was filed they refunded me {$690.00} in two different checks. The bankruptcy was then later dismissed. They have started garnishments again. I was told on the phone by the representative at Presto that a new judgement was done and they have garnished almost {$1000.00} so far. The representative couldn't tell me how much I owed nor how much the new judgement was for. Nor could she tell me what fees were added nor how much was still owed to Presto. She said I was being charged 10 % interest on the debt and that is why I owe them so much. I feel like this is very predatory and they are turning {$690.00} into a much larger debt. They shouldn't be charging me interest on anything other than the {$690.00}. I was never mailed any type of statement or attempt made to inform me that I needed to pay them a balance. I feel like they are capitalizing and overcharging me fees and interest. I also think they are not following the law in their requirements to send me statements, or any type of legal disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I am in disagreement with the items listed below which still appear on my credit report, even after your investigation. I would like these items immediately re-investigated.These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX Furthermore, In accordance with The Fair Credit Reporting ACT, Public law 91-506, Title VI, Section A-D, please provide the names and business addresses of each individual with whom you verified above, so that i may follow up i've contacted XXXX also they have told me they are not reporting anything under my name and social and i don't owe them and never have I had a loan with XXXX XXXX XXXXXXXX which i have paid in full which shows on my credit report they were then bought out by XXXX i have never taken out a loan or owed them money PLEASE do a proper INVESTIGATION UNDER THE FCRA OR REMOVE ACCOUNTS forward me an updated credit report after you have completed your investigation and corrections. 

your cooperation and prompt attention are greatly appreciated. 

Best Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Citibank customer since XXXX. In XX/XX/XXXX I opened a new credit card account. when I realized the membership fee was {$450.00} I called the company within 6 weeks to cancel the card and to get a reimbursement of {$450.00}. I was told this would be done promptly. I then continued to get statements from the bank. I then called again in XXXX. I was put on hold numerous times, and eventually disconnected after being told that I had never called a few earlier, even though I had. The person I spoke to told me it was " too late '' to get a reimbursement of the fee. Eventually I called back a few months later and convinced a supervisor to fully refund the membership fee and close the account. In the meantime, and unknown to me, the bank reported two payments ( XXXX and XXXX ) late. Had the membership fee been properly reimbursed when originally requested, I would not have been reported to credit bureaus as being 30 days late. This has adversely affected my credit score : I have had NO delinquencies over 30+ years and had a credit score well above XXXX however now it is around XXXX. The bottom line is that the bank put roadblocks in my attempt to secure a reimbursement of my membership fee and to close my account. I don't know if this is a systemic issue or not so that consumers can not close accounts and get reimbursed but I spent countless hours trying to accomplish a simple task : to close a credit card account and to secure a reimbursement of a membership fee. Not only was I stymied, but now my credit score has been impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are not mine. I do not recognize them and I am victim of identity theft. Please take a look at these accounts below and make investigation someone stole my personal data After investigation please delete these accounts from my personal credit profile XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Please help me and remove them
Product: Mortgage

The UWM charged me for two payoff requests which I didn't make ( {$60.00} ). I've been in contact with their representatives via calls and messages multiple times to investigate the source of the charge and dispute the charge. 

The representative stated that the requests were made on XX/XX/XXXX and XX/XX/XXXX by a phone number associated with XXXX XXXX  with which I had no business relationship ever. I was never notified about the requests and charges by UWM until I noticed it myself recently on my statement ( XX/XX/XXXX ). I have looked through the text, phone calls, emails, letters and documentation in UWM online portal but could not find any notification for these unauthorized activities. That's why these activities weren't discovered for over a year. Furthermore, I was informed by their representative that UWM 's Automated Payoff System can process a payoff request with basic loan information, and there is no way to restrict non-borrowers from submitting a request. Therefore, there is no way for me to restrict unauthorized individuals/companies from submitting the request on my behalf, avoid any associated costs and prevent something like this from happening again. 

UWM didn't approve my dispute request. I was treated unfairly due to how their system was set up, their failure to verify the identity of the requestor, and their failure to notify the borrower in a timely manner about the changes and their failure to protect consumers from future similar fraudulent activities while being informed of the flaw in their system.
Product: Checking or savings account

A safe deposit box was opened at TD bank in XXXX- the no they first gave to me could not be used as it was in probate so i was offered the {$70.00} dollar rate as opposed of the {$50.00} for compensation When i closed the account the keys were returned & so i thought all was set - i have been harrassed by this bank for non payment of XXXX XXXX XXXX box- fast forward & 3 more trips to TD Bank XXXX said the issue is with XXXX XXXX in Mass to which i Do Not & Have not had an account there with the SAME DEPOSIT BOX
Product: Credit card or prepaid card

On my   XXXX   2016 credit card statement ( TD Ameritrade Client Rewards ), I noticed   XXXX   charges of {$150.00} each made out of state at a time when I had n't left my hometown.
I called the card issuer and reported it as a fraudulent/unauthorized charge. I submitted all my evidence in writing and was informed it was likely a counterfeit card since there was no signature obtained. They promised they would investigate it and would not bill me for the  XXXX  charges. It was forwarded to the Fraud Investigation unit.
Since then, it has been 18 months and there has been no action taken. I have called every 2-3 months to TD and they keep saying that the last action was  XXXX  2016 and they apologize for the delay.
Yet the charges keep showing on my statement and have not been resolved.