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

I am a user of BlockFi - an cryptocurrency exchange and lending service, where I have roughly {$370.00} of XXXX in my 'Wallet '. In BlockFi 's terms of service ( https : //blockfi.com/wallet-terms ) it states : XXXX ) The title to the cryptocurrency held in your BlockFi Wallet shall at all times remain with you and shall not transfer to BlockFi. 

XXXX ) Except as required by a valid court order or applicable law, BlockFi shall not sell, transfer, loan, hypothecate or otherwise alienate cryptocurrency held in your BlockFi Wallet unless specifically instructed by you. 

Recently BlockFi have been financially impacted by the collapse of XXXX ( another cryptocurrency exchange ), and have made the following announcement : " Until there is further clarity, we are limiting platform activity, including pausing client withdrawals as allowed under our Terms. We will share more specifics as soon as possible. We request that clients not deposit to BlockFi Wallet or Interest Accounts at this time. '' I have a withdrawal transaction in a 'Pending " state, that I created on XX/XX/XXXX at XXXX XXXX, which I initiated a number of hours before receiving this announcement in an email from BlockFi. 

BlockFi have been silent for the past week, and there have been news articles circulating that suggest that BlockFi is likely to declare bankrupcy in the coming days/weeks. I would argue that BlockFi are in violation of their terms of service by preventing me from withdrawing my asset, and I'm worried that my asset will become completely inaccessible to me if BlockFi were to declare bankruptcy.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

My XXXX card includes the benefit of up to {$100.00} reimbursement per year of incidental airline expenses. On XX/XX/XXXX I made two {$25.00} charges to the card for baggage fees. The {$50.00} has not been reimbursed, despite my repeated requests to the issuing bank and the concierge. The official card website ( XXXX XXXX XXXX ) states " Cardmembers should allow 2-4 weeks after the qualifying incidental air travel fee is charged to the Card account for statement credit ( s ) to be posted to the account ''. Obviously that time frame has long since passed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a detailed explanation regarding the verification process conducted on the XXXX account appearing on my credit report. Upon reviewing my report, I noticed discrepancies in the account numbers being reported across different bureaus. Specifically, I have observed that the same XXXX account is being reported under XXXX different account numbers : [ XXXX. This raises concerns regarding the accuracy and completeness of the information furnished. 

XXXXXXXX XXXX XXXX XXXXXXXX How was this information verified- this account reports XXXX different account numbers for each credit bureaus. YOU ALL HAVE NOT DONE YOUR DUE DILIGENCE IN CORRECTLY AND ACCURATELY REPORTING THIS ACCOUNT. Furthermore, I DO NOT HAVE A CONTRACT WITH THIS COMPANY! IMMEDIATELY DELETE THIS ACCOUNT FROM MY CREDIT REPORT. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), specifically : FCRA XXXX ( a ) ( XXXX ) I have the right to know the information in my file and how it was verified. 
FCRA XXXX ( a ) ( XXXX ) ( A ) If I dispute the accuracy of an item, you are required to reinvestigate and verify the accuracy of the disputed item. 
FCRA XXXX ( a ) ( XXXX ) Information providers must provide accurate and complete information. 
FCRA XXXX Inaccurate or fraudulent information must be corrected or removed. 

Additionally, under the Consumer Financial Protection Bureau ( CFPB ) guidelines, credit reporting agencies are obligated to ensure that reported information is accurate, verifiable, and compliant with consumer protection standards. 

I hereby request : XXXX. A detailed breakdown of the steps taken to verify the accuracy of the XXXX account being reported. 
XXXX. The specific sources contacted to verify the account details. 
XXXX. Documentation or evidence used to confirm the accuracy of the reported account information. 
XXXX. A statement explaining why XXXX different account numbers are being reported for the same account. 

If the information can not be adequately verified per FCRA and CFPB regulations, I formally request that the inaccurate and unverifiable information be corrected or removed from my credit file immediately. 

Failure to provide this information within XXXX  days of receipt of this letter may constitute a violation of my rights under the FCRA and CFPB guidelines, and I will take the necessary steps to escalate this matter. 

Please respond in writing with the requested verification details at your earliest convenience. Thank you for your prompt attention to this matter. 

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

I provided police reports. Someone open an account with Preferred Credit. I didn't authorize this account. This is fraudulent and needs to be removed!
Product: Mortgage

I currently have a mortgage loan with the Huntington National Bank. Back in XX/XX/2020 due to salary reduction related to Covid-19 I entered into the temporary 3-months forbearance period, when I was permitted not to make payments on my loan for XXXX, XXXX, and XX/XX/2020, resuming regular mortgage payments in XX/XX/2020. 

Unfortunately, Huntington Bank has severely delayed processing of my paperwork, not reflecting any of the payments I made since XX/XX/2020 on my mortgage statement, and displaying completely incorrect balance due, interest, and payoff amounts even at the end of XX/XX/2020. This prevents me from finalizing my mortgage refinancing process with another lender, who needs accurate information from Huntington. 

I have been preparing to refinance for over a year, and in anticipation of a large cash-out amount last year I borrowed {$50000.00} from an elderly relative, who ( as I later found out ) depleted her entire retirement savings account to lend me the money. If I don't refinance, not only I won't be able to leverage the opportunity to get better financial terms for my loan, but my elderly relative will be left bankrupt as I will not be able to repay her retirement savings in lump sum as agreed. 

Huntington Bank 's reckless several months delay of updating my records is a direct violation of the contract between me and the Huntington Bank, which clearly describes the terms of forbearance and clearly states that once the period ends my information will be updated to reflect accurate state of things.
Product: Credit reporting or other personal consumer reports

In order to REMIND the Equifax Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Equifax BUREAU MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 got approved for a XXXX  XXXX card in XX/XX/year> around XXXX weeks later prior to even receiving the card I received an email indicated that unfortunately they couldn't improve my account a month and a half later I received an email indicating that I have a past due balance on my card which I called right away and told XXXX XXXX that my account was closed and I didn't receive my card they did a fraud investigation and indicated that I'm at fault for it but after doing my own investigation I was able to contact the fraud department they did indicate that merchandise was not shipped to my address on file it was shipped to an unknown address and I still was at fault the shipping address was not my home address according to XXXX XXXX I am still responsible for an account that they close and showed that it was open for around 2 months when it actually got closed even before I received my card. 
TransUnion XXXX and XXXX have failed to even look into my dispute and indicated everything was authentic XXXX XXXX also failed to investigate and see that my account was closed I never received a card and whatever was ordered with this card wasn't even received by me.
Product: Credit reporting or other personal consumer reports

I filled a dispute on the following accounts : XXXX LEAD BANK : XXXX LEAD BANK XXXX LEAD BANK : XXXX According to ( 1 ) 15 USC 6802 : Obligations with respect to disclosures of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.. i.e. Experian ( 2 ) 15 USC 1681b Permissible purposes of consumer reports -any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : B ( XXXX ) in accordance WITH the WRITTEN instructions of the consumer TO whom it relates. 

This addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties ** I never gave them any WRITTEN instructions to furnish anything on my consumer report so they are in direct violation of 15 USC code 1681b** Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA .

( 3 ) 18 USC 1028A - Aggravated Identity theft Whoever knowingly transfers, posses, or uses, without lawful authority, a means of identification of another person shall be sentenced imprisonment for 2 years My rights are in CLEAR violation. 

This is stopping me from being able to purchase a home.
Product: Checking or savings account

I opened a XXXX account with XXXX, a subsidiary or Webster Bank, 11 months ago. I transferred funds from my normal bank ( XXXX XXXX ) to this bank. Now I would like to transfer some of the funds back and XXXX is not allowing me to access the funds. I submitted an external funds transfer request via the website on XX/XX/XXXX and completed the relevant security checks to do so. I was initially told that the transfer was processed, but then immediately received an email that my account had been placed on hold. This was verified when I logged into my account- it said my account was on hold and gave a number to call. To date I have called this number 5 times. When I call I give them all my identifying info ( name, account number, SSN, address, phone number, and security word that I created ). This info has been verified as correct each time. Then they proceed to ask me five questions. They say they can only repeat each question once and I can not ask for any clarification. Questions have included in what state were you registered for your SSN ( which I do not know since my parents would have done it when I was an infant ) or in which county does your address fall ( which is possibly a trick question since my address is in a city which is within a county ). Each time after I answer the questions I am told that I have given at least one incorrect answer, but they can not tell me which one and therefore can not remove the hold on my account to release my funds. In most cases, I am sure the answers I have given are correct, but I can not verify or dispute them. I have asked to speak to a supervisor and been denied, I have also asked to verify my identity in a different way ( such as sending copies of ID or video face recognition ) and this has also been denied. I am told my only available option is to wait for 24 hours and call and try again. My first call was on XX/XX/XXXX and my most recent call was today, XX/XX/XXXX. At this point I am very concerned that I will not be able to access my funds at all. I can see that this bank has hundreds of negative reviews of customers with the same experience, so I decided to file a formal complaint.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian due to its failure to maintain accurate and verifiable information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2. 

I previously disputed the XXXX XXXX account with Experian, citing inaccurate and inconsistent reporting across the major credit bureaus. XXXX has already deleted this account, demonstrating that it was unverifiable. Despite this, Experian continues to report the account as Charge-Off, with an inconsistent date of last activity compared to XXXX. 

Furthermore, Experian has failed to provide a detailed description of the investigation procedures conducted, as required under XXXX XXXX. XXXX ( a ) ( XXXX ). Instead, they appear to have relied solely on automated verification systems like XXXX, which do not meet the legal standard established in Cushman v. TransUnion, 115 F.3d 220 ( 3rd Cir. 1997 ).
Product: Debt collection

The here mentioned debt collecting agency sent a letter to my daughter that is minor about a debt that she is not responsible. I believe they are violating a FDCPA regulation that stay that any debt collector that specifically contacts a minor child is in violation of FDCPA regulations. I will include copy of the letter sent.
Product: Credit reporting

Equifax is reporting my an overall debt increased that resulted on my XXXX score decreasing by over XXXX points. This information is incorrect! I 've been reducing my debt significantly monthly. On personal loans and car loans alone, my debt decreases over XXXX dollars monthly. Yet because I made use of XXXX credit cards last month by an amount much lower than what I paid to several accounts lowering my debt, this company decreased my FICO score. I believe this practice is deceptive. If I understand correctly the XXXX score is calculated from 5 factors. I was unable to submit a dispute on line.
Product: Checking or savings account

I decided to open account with the same bank that my payroll check was written with after moving halfway across the state and needing a local bank. Instead of going into the bank and cashing the check from my employer I went online and saw that I could deposit it and it would be instantly available according to their website. So I did this. They then held the deposit and would not release the funds leaving me stranded 2 1/2 hours away from my new home. I called several times and the only resolution I was offered was to put overdraft protection on my new account and use the overdraft protection as a way to get gas to get home. So I deposited a check from their bank to my new account also at their bank and the funds were withheld from me not available due to processing. I couldve not open the account and walked into the bank which I was right by and cash the check and left and had no problems and now Im walking home. Ive spent all day its now XXXX XXXX  in the afternoon trying to resolve this issue so that I can get gas to go home and Im walking. Todays date is XXXX XXXX 2022.
Product: Credit card or prepaid card

I signed up for the Capital One XXXXXXXX XXXX card with special intro promo- this included a {$200.00} credit for purchases with XXXX within the first year. 

I DID spend $ XXXX at XXXX within the first year - about XXXX weeks shy of my full year having the card but they never credited me. I called in numerous times and it was reviewed and denied each time. They said that because the annual fee was charged BEFORE I spent at XXXX that I didn't meet the qualifications ... that is NOT what the terms said. The terms said first year and I satisfied that requirement.
Product: Credit reporting or other personal consumer reports

I request your assistance in resolving an issue with TransUnion Consumer Solutions. I am concerned about their failure to properly address my dispute regarding an inaccurate, outdated employer on my credit report. 

On XX/XX/XXXX, I discovered an inaccurate, outdated employer listed on my TransUnion Consumer Solutions credit report. This inaccurate, outdated

employer has negatively impacted my credit score. I contacted TransUnion Consumer Solutions on XX/XX/XXXX, and again on XX/XX/XXXX, to dispute this inaccurate, outdated employer. Despite providing all necessary documentation, TransUnion Consumer Solutions failed to conduct a proper investigation and did not remove the inaccurate, outdated employer from my report.
Product: Bank account or service

First My debt card was hacked by scammers they replaced the card then I had to pay over {$100.00} in fees. My checking account disappear in I did n't get no notice in the mail about my checking account. Now I just have savings account
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau and explained that I was concerned that information being reported by their agency was inaccurate and/or outdated. After what has now been more than 30 days, I reviewed my credit reports and I see no changes.

15 USC 1681e Section 607 b states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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

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

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

The credit bureaus ( XXXX, experian, XXXX ) were notified and were given a chance to verify and correct bankruptcy information in my credit report. They responded that the information was provided by XXXX XXXX XXXX XXXX XXXX. I contacted lexis nexis and was given a report that had no information regarding any bankruptcy. I sent the credit bureaus a copy of the report showing that there was no bankruptcy on my file and they still haven't changed this information. I provided the documentation sent and the updated consumer report for someone to follow up. Please have someone manually review my file I submitted the consumer report for their records and they need to update the file showing that the information regarding a bankruptcy needs to be removed. Also I would like to know why they are stating that they are receiving information from a third party company ( XXXX XXXX XXXX XXXX XXXX ) They have not reached out to them and are required to verify all information. Now that they have had 30 days and have not done the proper investigation I want this information removed now. 

The reference number show on the credit reports show as Reference number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX XXXX, I was notified by the 3 credit bureaus that you guys pulled my credit report. I did not authorize nor allow XXXX XXXX XXXX XXXX to pull my file. Thus under FCRA act, please inform the 3 credit bureaus that this pull was not authorize and not accurate. Please delete it off of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived at XXXX XXXX XXXX XXXXXXXX XXXX  XXXX back in XX/XX/XXXXAnd now XXXX, XXXX XXXX and Experian has been reporting over 10 different apartments for XXXX XXXX XXXX XXXX. I dont understand how this is possible. Thats not my signature or my charges please delete this stuff. I had no contract with talise.
Product: Credit reporting or other personal consumer reports

Attempted to order my credit report online. Kept loading on me. Restarted it and the report never populated. Only option it gave was to end the session or contact them. The contact them ended up being similar to an inquiry. I used it to submit a complaint and gave them my house adress. Did not ask for email or phone. The message I got in return was they couldn't process my request. I did attempt to resubmit the report request and Said it already gave me one. I attempted to call them by the telephone number provided by the cfpb. Would not give me an option to speak to anyone and would only allow me to place an order in for the report. They said 15 days. All automated. Ironically it was for the XXXX XXXX XXXX  which was all found with the cfpb.
Product: Debt collection

Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX  because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support victims of crime. I cant get Hired with these collections. 
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with victims of crime I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? Im dying out here help me get this deleted again. Thank you
Product: Money transfer, virtual currency, or money service

PayPal has changed its Terms of Service to include a {$2500.00} fine for posting a comment that they don't like or agree with ( a violation of my 1st amendment rights ) therefore I have been trying to close my account for the last three weeks. 

PayPal claims ignorance of its own TOS and can not close my account due to " pending transactions '' that I have already stopped. Also, they claim that they can not close my account due to a balance of {$0.00} in cryptocurrency.