23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX/XXXX/15 I deposited a check for a very large sum of money, in XXXX funds, into my checking account. The bank clerk told me the funds would be available in a week 's time. Some days later I got a letter from the bank, dated XXXX/XXXX/15, saying a small amount of the funds were available for withdrawal right away, and the remainder would be available for withdrawal XXXX/XXXX/15. Subsequently, I got another letter from Citibank saying that since these were foreign funds, the check had been sent out for collection, and the funds would be credited to my account one or two days after receipt. On XXXX/XXXX/15 I went online. The funds had not been credited. I called Citibank and in the course of XXXX/XXXX/15 and XXXX/XXXX/15 I talked to XXXX bank employees whose names I have. They would look into it. On XXXX/XXXX/15 the XXXX XXXX told me the funds would be available in " six to eight weeks, '' presumably from the date of deposit. This was unacceptable, so I went to my local Citibank in XXXX, where I had deposited the check in the first place, and talked to the branch manager, XXXX XXXX, who indicated he would do the necessary. On XXXX/XXXX/15 he told me the collection department said the funds would be available at some unspecified time, maybe in three weeks. Meanwhile, the exchange rate has continued to fluctuate, not in my favor. When we started out I believe the rate was 77 % and now it is XXXX 75 % -- these numbers might not be exact. It is possible the bank converted the money when the rate was more favorable and wishes to use a less favorable rate when they actually give me the money.
Product: Money transfer, virtual currency, or money service

Dear Sir/ Medam I am a small virtual currency investor. I have a accounts with company called Blockchain wallet. On XX/XX/2021 I was in a text message conversation from my laptop with the customer advisor from Blockchain wallet. On same time I have received a text message on my phone to upload my ID and a selfie to verify my Blockchain wallet. 

Couple of hours later I realised some of my funds has been transferred from my blockchain wallet with two unknown transactions which hasn't been done by me. 

I contact with the wallet provider unfortunately they are not helping me at all. On their response they said my wallet has been compromised. 

Later I requested them to transfer my rest of the funds to somewhere in safe. Blockchain advised me to open a new wallet. I opened a new wallet followed with all the instructions from blockchain wallet. Unfortunately I am not getting any response from them. 

My rest of the funds are locked on my blockchain wallet. 

Please help me to come out from this situation. I am sending this to you as because I received the text message from USA also there was a attempt to login my blockchain wallet account from USA. 

If you require anythings to know please contact with me. 


Kind Regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this dispute to formally address a debt reported by Kingston Data and Credit International Inc. on my credit report, specifically account # XXXX for {$820.00} On XX/XX/XXXX, I requested validation of this debt under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To date, Kingston Data and Credit International Inc. has failed to provide any documentation to substantiate the legitimacy of this debt or a contract bearing my wet signature. 

This alleged debt appears to be associated with an XXXX XXXX account that I canceled in XXXX. If this is the basis for the claim, the debt is time-barred under the FCRA 's seven-year reporting limit, making its continued reporting a violation of my rights. Despite my request, Kingston Data and Credit International Inc. has not validated this debt, and their failure to do so constitutes non-compliance with federal law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Is reporting on my credit report. I no clue who this company is. I didnt authorize them to have any of my info. I have no agreement with this company. They are fraudulent in reporting to my credit report
Product: Student loan

i was paying XXXX on my loans on a fixed income next thing i know my loan was sent to another deparment and i was paying them now so a year passes and my student loans went into default and collection agency. it screwed up my credit score form XXXX  to XXXX. it took me a why to get it straighten out some what and they didn't consolidate my loan the first time like i wanted it to all to come thru them. so after 4 motynhs and back and forth my credit beacuse of this si still XXXX  up and i am noe paying a higher intrest rate and will half to pay them more money now. i went to XXXX  state and XXXX  college. i have been in XXXX XXXX since first grade and cant do algerbra and cant spell or say big words. bot colleges i went to failed me imditae cause of my situation on the math and language. i got no help no tutors aviable i asked teachers for help to and got none. any ways XXXX XXXX  up my loans so bad. my credit is now ruined
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX  XXXX XXXX acct XXXX decided to sell my home loan to another company called carrington mortgage services acct XXXX and i have been current and never late and they reported late 30 days on the month of XX/XX/2018. I have been current every month please fix this issue.
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 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX ACCOUNT # XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

15 USC1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 section 602 A. states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 ; It also a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance {$22000.00} XXXX XXXX Balance {$25000.00}
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update the following inaccurate items that are harming my credit. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to formally request the removal of an incorrect address listed on my credit report. The address in question is : XXXX XXXX XXXX XXXX XXXX, FL XXXX Please be advised that I have never lived at this address. My correct and current address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX As a victim of identity fraud, it is crucial that my credit report accurately reflects my true residential information. I kindly ask that you investigate this matter and update my credit report to remove the incorrect address as soon as possible. 

Enclosed, you will find copies of documents that verify my current address, such as my utility bill and driver 's license. If any additional information is needed, please do not hesitate to contact me at the above phone number or email address. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Opened a capital one 360 savings account advertised with a 4.35 % interest rate. Never has the rate been a 4.35 % on my account.
Product: Credit reporting

I 've sent Experian copies of letters and proof of payment of an account I am disputing but Experian still will not remove the negative account with XXXX XXXX XXXX XXXX this has cause me to fall out of escrow, potentially lose a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account # XXXX high balance ; {$11000.00} Date of last Activity ; XX/XX/XXXX last payment ; XX/XX/XXXX For the past 18months XXXX has been reporting a charge off which is inaccurate information on my credit report after I have continuously asked them to investigate. If these numbers are supposed to be the same, if you're getting the same information from the same creditors why are these numbers so vastly different.. another complaint is the fact that they're saying that I made a payment on XX/XX/XXXX I never made a payment so I thought that was strange.. on my credit report it says that I can contact the original creditor..I called XXXX XXXX and they were scared to answer any questions stating they no longer have my account it has been sold to a debt collector that's not even on my credit report.. I contact the collection agency named XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX. to ask them to verify this debt they stated I owe XXXX neither of the three bureaus are reporting ACCURATE INFORMATION... PLEASE DELETE ACCOUNT ... XXXX also took me to court and the judge dismissed the case I've enclosed documents of the final judgment I don't owe anything.
Product: Payday loan, title loan, personal loan, or advance loan

Charged me a high interest rate, also double charged my account each month. Also sent the loan to a debt collector without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00}
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EXPERIAN regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( XXXX ) : XXXX ) Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, time XX/XX/XXXX Days Late and amount past due. 
XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, status and account details Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : letter XXXX, Proof of Inaccurate, ID, Bill, SSN
Product: Credit reporting or other personal consumer reports

Bank of America Alaska Airlines Card reported account closure on XX/XX/2024 ; however, I was never notified of this and the account is still open per the online account access showing the available credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Emailed company with issue, company will not respond.
Product: Debt collection

These debt collectors are calling pertaining a bill from XXXX hospital that I have spoken to them and explained that the bill XXXX that I had back in 2014. I told them that I was filing the State Compensation, XXXX, I should not be held liable to pay this money. First Point Collections has been calling me incessantly on my cell phone, and now today they called me on my work line. I never gave them consent to call me on my work phone number and I do not appreciate such calls harrassing me about payment XXXX.
Product: Mortgage

My loan was bought by Lakeview loan servicing. The company found out I was unemployed and told me I would qualify for a program to help if necessary. They never told me I would not be able to make payments during the approval process. I have applied about 6 times since early this year. They have times out the process everytime because every single time, they asked for more and more info, being completely different everytime. It has been impossible to get everything they ask for, different things everytime through the process, and after 30 days they time it out, and make me reapply each time. I never would have taken this advice from Lakeview if I knew this could happen, and now the house is in foreclosure. I have been lied to and told different info from every single person I talked to thru Loss Mitigation. I can nit lose my house, and would have no where else to move to. I've been trying to make payments every month, which was denied. I will appreciate any and all help to resolve this. I never imagined I could be lied to so many times by my loan company to take my house away. I was told by a title company how many people have been scammed by Lakeview, and to now immediately put kn a  complaint to receive help through your agency. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy that was recently removed from my credit history. While my credit ratings with two agencies went up slightly, my credit rating with EQUIFAX FELL by 79 points in one day. The web site indicates that the ONLY CHANGE to my credit report was the removal of this bankruptcy. I have tried to contact them and have been unable to get an answer as to why this has happened. This could seriously damage my ability to obtain a mortgage and I believe that it is an error.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft, and did not authorize opening the XXXXXXXX XXXX credit card. My credit report says I owe {$640.00}, but I did not authorize opening this account. I pay all my bills I owe on time and XXXX XXXX  keeps reporting me in a negative manner even though I am a victim of identity theft. I have been trying to dispute this directly with XXXX XXXX  but they keep dismissing my claim and disregarding my rights. 

I have filed a police report regarding this account which I have included in this complaint.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX - XXXX Last 4 digit of SSN : XXXX
Product: Credit card

On XX/XX/XXXX, I made a payment of {$35000.00} out of my business checking account that unfortunately I did not enough funds in. I had enough funds in a different checking account, but had forgotten to transfer the funds to the other account. 

The funds were returned on XX/XX/XXXX. I realized the issue on XX/XX/XXXX and immediately paid the amount again. On XX/XX/XXXX, my due date, I paid the remaining {$8700.00} to fully pay off the statement. 

My payments were due by XX/XX/XXXX. I paid off the statement in full by XX/XX/XXXX. The entire statement was paid off in full before the due date. No balance was carried forward. 

On XX/XX/XXXX, though I did not realize it at the time, I received a notice saying that the account was closed. It was posted in the online portal and was not emailed to me directly ( though a notification about the document being in the portal was ). For a few days I tried to make critical payments for my business, but all were declined. I assumed that the issue was because of the return, and they just wanted to make sure that my XX/XX/XXXX payment would not be returned. 

On XX/XX/XXXX, however, I was informed that the account was closed. The reason given was that this was my 5th ACH return since I opened the account ( ~4 years ). A few of these occurred in the past because I would pay off my balance early and Capital One 's Autopay would still pull out the full balance on the due date. The other few of these are because I didn't transfer the funds, like on XX/XX/XXXX. Never was it due to fraud or not having sufficient funds ( though the specific account the funds were pulled from itself did not have sufficient funds ). 

What I am most concerned about is the thousands of dollars worth of points that I had sitting in the account. The reason I use this card for my business is their promise of 2 % cash back. I believe I had about {$2000.00} worth of points at the time of the account and would be owed about another {$2000.00} worth of points for my transactions for the current statement period. I have another payment due for ~ {$58000.00} due on the XXXX which I will be making in full. I am worried that Capital One has found a loophole that they can take these points from me. They are even offering my the ability to open a new account with a new credit card, which does not make sense to me if they're so worried that they closed my account. 

Any help would be massively appreciated.
Product: Debt collection

In mid XXXX I received a letter from XXXX XXXX, a company I admit I owe money to, informing me the debt was transferred to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX has never contacted me directly. On XX/XX/2018 I received a letter from XXXX XXXX informing me they were acting as debt collectors for XXXX XXXX and I had 30 days to respond. The next day, a Friday, after XXXX, I received a call from a representative of XXXX XXXX wanting to know how soon I planned to resolve the issue. I told him about the letter I got only the day before and I planned on using my 30 days. 

At the point a supervisor jumped on the call and informed me he was retracting the 30 days, this needed to be resolved by the end of XXXX. I said I could not agree to this, told him the payment terms I might agree to, he said it wasnt good enough and he started to yell at me and belittle me. I said the conversation was over and his response was the conversation was over when he said it was over. I hung up and blocked the number they called from. 

On Monday I called the offices for XXXX XXXX and spoke to someone I was told is a manager. I told him my story but at first all he was interested in discussing was payment terms. He backed off when I informed him I did some research and know his company has been repeatedly reported for abusive behavior. He then asked me not file a report. However, this will never be resolved to my satisfaction if I let it sit.