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

I sent crypto from a XXXX Account on XX/XX/2024 at XXXX to my crypto.com wallet address for XXXX XXXX XXXX XXXX ). I sent this crypto and never received it. Before sending it, I double checked my wallet address that I entered to make sure there were no errors. I waited and waited, and it never arrived. I reached out to the XXXX customer support and they checked the transaction and informed me the crypto was sent to the wallet address and then immediately crypto.com had subsequently swept the crypto from my wallet address and put it within their own wallet. I was informed to contact crypto.com about the issue. I have tried repeatedly to get in contact with customer support and every time I am told through their assistance chat that they can not assist me and that a support rep will reach out to me within a few hours. Each time I reach out to them, the same thing is relayed to me, and I wait the hours and no response. I wait XXXX hours, no response. It has now been days, and I have continued to reach out and I have received no response. Here is the message I sent to crypto.com with the attached message I received from XXXX as well : Good Day, I have been trying to get in contact with your customer support for a week now with no response. I tried to send crypto to my wallet on your platform last week and it was never received. I sent it to the correct wallet address but the XXXX platform is telling me your company took my crypto and moved it to one of your wallet addresses. I never received this crypto in my wallet but the transaction hash said it went into my wallet and then was swept to your crypto.com wallets. I never received the deposit, and neither does my account show the deposit was made into my account. I need my crypto to be recovered and returned back to me, because I didnt mess up when I sent it. I entered everything correctly but the crypto was removed by your company. Here is the message I received from XXXX customer support : XXXX XXXX, Here is another view via a different explorer that displays that the funds hit your destination wallet XXXX and were subsequently transferred to XXXXXXXX XXXX XXXX XXXXXXXX I see you mentioned you sent your funds to crypto.com correct? 

Can you confirm what network you sent your XXXX XXXX to on your Crypto.com account? I see that crypto.com supports XXXX on the XXXX XXXX  in addition to XXXX. 

I recommend reaching out to crypto.com and see if they are able to recover your funds. 

Once cryptocurrencies leave your XXXX account, XXXX can not recall the transaction. The reason behind this is due to a concept known as transaction finality. Transaction finality is a function of decentralized blockchains. It means that once the transaction has been broadcast to the network and confirmed on the blockchain, the transaction is irreversible. Transaction finality is one of the attributes of digital asset transactions. It is common among all crypto exchanges, including XXXX. 

Thank you for your understanding. 

XXXX
Product: Mortgage

I have been working with Chase on a deferment for past mortgage payments and everything was complete. I was away for the holidays and they sent a property preservation company to inspect my property and do work.

This was against everything we agreed upon and no one ever called me to see if the property was vacant or anything. Also my loan was never reported past due so this never should have happened.

Chase refuses to compensate me or make this issue right.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft due to a recent data breach. As a result, fraudulent accounts and inquiries have appeared on my credit report that I did not authorize. 
In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the TRANSUNION. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status are still reported. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment story that is being shown in my report. Please update the status of this account immediately. XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, I noticed an account on my credit report, but when I look up the business it does not have an active business license. I am attaching the file for reference and a link to the Washington SOS : https : //ccfs.sos.wa.govXXXX? XXXX XXXX XXXX Additional Ref XXXX XXXX XXXX XXXXXXXX When I reached out to the company I was connected to someone working for XXXX XXXX located in Arizona. I could not find an active business license for a company under the aforementioned name on the Arizona SOS website. 

I live in XXXX, WA and the alleged debt seems to be generated from a business in XXXX as well. 

I felt like I should let someone know as this doesn't seem right to me. If I need to contact a different department or organization please let me know. 


Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received an alert that XXXX pulled a hard inquiry on Experian and XXXX on XX/XX/2023. I immediately contacted XXXX and spoke to representative XXXX ( Employee ID # XXXX ) who advised me that a credit card was approved in my name. She then advised me that it will be closed and an investigation conducted.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Mortgage

Modification approved XXXX but my ex girlfriend stole mail last 3 years have no po box anymore now sale XXXX resubmit modification! Only address should be XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Sent in a dispute to XXXX and to all 3 credit Bureaus requesting that the account get investigated for accuracy. The credit bureaus and the XXXX came back and stated that the account was verified as accurate. 
XX/XX/XXXX - I requested a method of verification. This was not provided to me XX/XX/XXXX - Sent a dispute again for the inaccurate information XX/XX/XXXX - 4th dispute requesting investigation of the account. 
-- -- The date of last activity is listed with Transunion as XX/XX/XXXX, XXXX  XXXX and XXXX  XX/XX/XXXX. This is years a part. If they are getting the information from XXXX how is this possible. Along with the High Balance. Transunion/ XXXX  is showing an high balance {$64000.00}. And XXXX  is showing a high balance of {$21000.00}. This is just confusing to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Debt collection

I recently went to the police department to complain and file a report. They asked if before I went further with the report, that I can bring in solid evidence that my identity had been compromised. I then reached out to the bureau 's as well as the original credit numerous times, no documentation provided. 
Finally, XXXX sent me an itemized invoice. They then proceeded to attempt to give me the run around by saying they'll send me an affidavit to complete, I told them that was total nonsense when I'd already sent them my official FTC affidavit. 
I will now stick to the guidelines given me from law enforcement directly and will no longer go back and forth with XXXX.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft these 3 accounts are not mine XXXX XXXX  account # XXXX and the XXXX inquiries are not mine.I have attached an FTC report also a 605B letter asking Transunion to remove or block this information from reporting to my credit report within 4 days from receiving this complaint.
Product: Credit reporting or other personal consumer reports

I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested two months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

3RD CFPD COMPLAINT ON CHIME Chime Managers have assured me on a recorded line that although they are aware that the company ( chime ) is treating me unfairly and unlawfully by refusing to reinstate unauthorized money transferred and charged against the account, there is nothing I can do about it. I was ironically and thankfully transferred back to the same Disputes Manager, who said himself on a recorded line, that he was absolutely shocked beyond belief that my claims continue to be denied based on the amount of firm substantial evidence I have and continue to add. I am able to prove with continuous recording of our conversations between Chime Member Services and Disputes team, that they continue to lie to me about handling why account and claims. I AM THANKFUL TO GOD  FOR THESE RECORDINGS!!!!!!! Otherwise the 8 page and growing detailed journal I have showing Chime to have manipulate and misrepresent my account and investigative reports would have you believing to me making all of this up. Based on my dealings and occurrences and stories found on the internet, there is something fishy certainly going on! So fishy that I believe when its finally revealed its going to be one of the biggest banking embezzlement or fraud cases the world has ever seen! There is something extremely odd, peculiar, and fraudulent about Chime, and if the CFPB won't get to the bottom of it, you can trust I am! To perspective customers of Chime DO NOT JOIN!!!! NO BANK BACKS THEM, XXXX  XXXX XXXX  DOES NOT CLAIM TIES TO THEM... THEY ARENT EVEN A BANK THEY ARE A TECHNOLOGICAL COMPANY DECEIVING PEOPLE TO THINK THEY ARE A BANK. THEY TRIED ONCE TO BE CERTIFIED AND WAS DENIED! WHEN I FIND SPECIFICS AS TO WHY I WILL BE SURE TO POST UPDATES, THIS HAS NOW BECOME MY PASSION TO EXPOSE CHIME FOR THE FRAUDULENT THIEVES THEY ARE. THEY ARE SIMPLY NOTHING BUT ANOTHER XXXX XXXX! I CAN SAY YOU COULD AT LEAST GIVE A KUDDO FOR YOU TO BE ABLE TO ACTUALLY SPEAK TO SOMENE AT CHIME VS XXXX XXXX, BUT ALL IN ALL SPEAKING TO A CHIME EMPLOYEE IS WITHOUT EXAGGERATION THE EQUIVALENT OF SPEAKING TO NOBODY AT ALL! LET IT BE NOTED THAT I HAVE PROOF OF CHIME MANIPULATING FEDERAL INFORMATION AND FUNDS AND CONSISTENTLY BREECHES CONTRACTUAL AGREEMENTS MADE TO THIER CUSTOMERS! IF A HIGH POWERED ATTORNEY, OR ANY ATTORNEY FOR THAT MATTER WOULD LIKE TO ASSIST ME IN LAUNCHING A CLASS ACTION LAWSUIT AGAINST CHIME PLEASE CONTACT ME, AND OR PROVIDE YOUR CONTACT INFORMATION.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some accounts listed have incorrect reporting, amounts, and dates.
Product: Money transfer, virtual currency, or money service

Ive been using cashapp for years and never had this problem my account was frozen on XX/XX/XXXX then unfrozen a few days later so I thought it would be easier by taking all my money out my cashapp so it wont happen again then a few days later my cashapp froze again but this time for weeks and I tried to get in touch with cashapp through XXXX  they said theyll me with me soon weeks go by no text back I emailed them and still nothing I dont understand why
Product: Credit reporting, credit repair services, or other personal consumer reports

This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. You claim that the court furnished and verified the information, and you are allowing slander on my credit report. Your XXXX need to be sued if you do not remove this from my credit report. It is inaccurate, incomplete, and NOT VERIFIED! Delete this immediately! 

XXXX XXXX XXXX Filed on XX/XX/2017 Reference number : XXXX
Product: Payday loan, title loan, or personal loan

I got a personal loan from XXXX in XXXX allowing a lien on my XXXX XXXX XXXX. When I registered my car in North Carolina, XXXX received a copy of the title. In that state, the non-lienholder does not receive a copy of the loan. 

When I moved to Georgia in XX/XX/XXXX, I put down XXXX as the lienholder to contact for a copy of the title. XXXX never responded because they sold the loan to XXXX. Since I was notified in XXXX, I have been trying to get XXXX to get a copy of the title from North Carolina as directed by their DMV. 

Now at the end of XXXX, XXXX sold the loan to Real Time Resolutions. Since early XXXX, I have requested a copy of the North Carolina title or for this entity to request a copy. They keep saying they will send it, but never send it. It appears they have a copy of an old Maryland title, but not North Carolina. 

I am about to run out of time for my registration. My DMV refuses to allow me to renew my registration without a copy of this title. North Carolina can confirm that XXXX is on the title, but can not release a copy to me. 

I am not even sure if the lien was properly transferred to XXXX and now Real Time Resolutions. However, they are not responding to the DMV or myself concerning this matter.
Product: Money transfer, virtual currency, or money service

I havent used my card in XXXX weeks due to the fact that my card was stolen I made a request for a new card XXXX weeks later the day my card arrived I received notification that my account had been closed for violating terms and agreements not sure why being that I hadnt used my card in XXXX weeks I chatted with support they couldnt give me a reason I called to speak with a superior the same thing they have also took money from my account every time I loaded with paper money at the XXXX every time I had got paid through cash app for freelance work I do theyve also taken more then what they should
Product: Vehicle loan or lease

Ally Financial has fabricated a response to justify their failure to release my title after I paid the loan in full, following an unlawful repossession.
Product: Student loan

I requested a two-month forbearance for my private student loan and my request was denied by " the system. '' Citibank was unwilling to consider alternative payment arrangements, despite my recent unemployment and my cosigner being on a medical leave of absence. I have no history of late payments and am not sure how soon I will be able to make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. of 2017 I received a hard inquiry from FNB OMAHA, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from FHB OMAHA in connection with this request.
Product: Mortgage

Hardship Began in XX/XX/XXXX when i was laid off. applied for work but no employment. started a business and asked Pennymac for loan modification and was denied. The home was flooded. The home has flooded several time and in a flood zone. Applied for deed in lieu for mortgage company to take property back since im not being approved for a modification and they keep denying. Stay unemployed through XXXX due to XXXX.