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

On XX/XX/2019 I purchased {$25000.00} worth of bitcoin  cash, derivative of Bitcoin. Please keep in mind I purchased this bitcoin cash solely for the purpose of sending it somewhere else since virtual currency is a supposedly a good way to send larger sums of money. Despite the fee of {$360.00}, I was glad I could get my money in and then over to where I needed it to be. Unfortunately Coinbase, the app that I was using, in which I am fully verified and established, told me my money would be on hold for 11 days! Thats right, I was unable to send it and therefore remove it from the highly volatile conditions of the crypto currency market. I already paid {$360.00} to get it there too. 10 days passed, I am writing to you on the 11th day, the day I am able to finally send my money out and where It needed to be. However, Yesterday, I lost nearly {$8000.00} of my value, In a single day it dropped % 22! I am extremely angry that my hard earned money is disappearing right before my eyes. There is no way I can cut that loss and send the money today. I have contacted the support in the Coinbase app but they seem to automated to notice me. There was no good reason to hold my money for 11 days, if I was able to send it earlier it wouldnt have been a problem. I only learned that the money was being held that long when I attempted to send it. Total I purchased {$29000.00} in bitcoin cash only to send it, not for some type of insane investment. This is evident through me sending some as it became available sooner. I was able to send {$2200.00} total because it wasnt on hold as long. The rest became available today after losing thousands in value.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate and incomplete credit information. I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. XXXX XXXX XXXX - '' The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite the fact that I have submitted previous dispute to your agency. I urge your agency to reinvestigate this account and ensure that correct, fair and complete reporting is given. A charge-off account with a balance? Are you sure you know what you're doing? How come you keep on reporting inaccurate information on my credit file? I demand the immediate deletion of this inaccurate information. XXXX {$48.00}, XXXX XXXXXXXX XXXX {$530.00}, XXXX XXXX  {$1000.00}, XXXX XXXXXXXX XXXX {$480.00}, XXXX XXXX XXXX {$840.00}, XXXX {$0.00} - I see that these accounts have charge-off status and yet there is a past due balance on your report, do you know it is a violation? I urge your agency to re-investigate these accounts and ensure that correct, fair and complete reporting is given. I don't believe the status of these accounts are accurate either. Delete these accounts due to multiple violations, these delinquencies on my credit report should not be there. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that these accounts be removed from my credit report. I had requested that these accounts be verified and validated, I have not seen ANY PROOF from Equifax that this was ever done. I need all correspondence regarding the previous dispute including the data provided to make sure that this account is accurate. If your company is unable to do so, please remove these accounts from my report immediately.
Product: Debt collection

Unifin is calling my private home phone asking for people I have never heard of or even know from XXXX and I have had this phone number for many years. I have told them not to call and they say ok, but call my number again. I asked for the corporate office and they said No. 

This company is skip-tracing and calling numbers they can't even verify are accurate for the person they are looking for. 

I heard them say at least three occasions, that this call is being recorded - so I informed them that I am as well recording the call and their response was " We do not authorize recording the call '' and then hung up ... UM, Georgia is a one-party consent state, do they not know this? 

It is my opinion, these people are as shady as all get out and need to be shut down. They are on a fishing expedition for debt collection and don't care who they harass to collect the debt... 

I AM NOT the person they are asking for and I will not pay someone else 's debt. I don't know the people they are asking for.
Product: Credit card or prepaid card

I had 3 Barclaycards, one XXXX XXXX, XXXX XXXX, and rewards masetercard. This company has been an absolute nightmare to deal with. They refused for MONTHS to shut off auto pay and repeatedly tried auto drafting payments out of an account that had been closed. So not only was I being charged ridiculous fees from my bank but then these people started to hit me. I had one account set up on autopay ( XXXX ) now I go online and atopay has been shut off and now they are reporting my account late. I have a serious medical issue and these people have RUINED my credit by first closing my accounts due to the fact that they refused to update the autopay for a different account. Now they DOUBLED my minimum payments so not only are you causing me ridiculous amounts of fees they are making the payments unaffordable at a time when I am sick with possible XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and raises serious concerns about consumer safety.
Product: Mortgage

Modification of loan granted in XXXX by Citimortgage then " unbooked '' by Citimortgage in XXXX XXXX due to their " internal issue. '' As a consequence, Citimortgage has reported nine months of delinquent payments and inaccurate balance of account to the XXXX credit bureaus dating the inaccurate data from before the modification was approved. I have documentation from the company assuring me that no negative reporting would occur. I submitted disputes to the bureaus but when updated, information from the mortgage company continues to reflect the inaccurate information with even greater delinquencies.
Product: Vehicle loan or lease

In XXXX of XXXX, I received a call from Global advising me that I owed a lump sum amount of over $ XXXX because I was at the end of my term for the lease. The rep informed me that I needed to pay it all at once. I asked how is this possible because I dont have {$3000.00} laying around. She said because I got my loans deferred a few times, it pushed my notes back. i agreed, I did pushed my loan back but that doesnt mean I owe everything at one time, the deferments are just that, deferred for another month, which was actually years ago. Ive never paid late. Ive always paid on time. Starting XX/XX/XXXX, they reported late payments on my account. Ive asked to speak with her supervisor who informed me that thats how it works. I have no choice but to pay everything but they said I can pay in monthly installments as I did with my loan which was {$420.00} a month. They continue to report late payments even though Ive paid on time. They said that they have to until its paid off. Its not only impacted my credit but also my ex-husband because he signed the loan with me. They are destroying my life and this is one of my oldest accounts.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im writing because this has gone on far too long. There are accounts in pending litigation on my credit report that simply shouldnt be there. Ive contacted you multiple times about the error, yet nothing has changed. This inaction is impacting my credit score in ways that are damaging to me, and I cant let this slide any longer.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of late payments by XXXX XXXX on my credit report. Despite my initial dispute, XXXX XXXX failed to provide legally required verification, including proof that billing statements were sent at least 21 days before marking payments as late, as required under TILA 15 USC 1666b and 1637 ( b ). Their selective reporting of negative information while disregarding on-time payments presents a misleading and incomplete representation of my credit history, violating FCRA 15 USC 1681e ( b ) and 1681s-2. I am requesting immediate correction of these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my reports I see multiple inquiries from the same companies on various dates and timelines. I was not aware nor did I authorize with oral agreement/ written signature any of the following companies to review my credit profile and send information to the bureaus : Here are the companies and dates of occurrences : XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX TransUnion : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX These inquires were never authorized by me and there appears to have been some sort of fraudulent activity. I need them to verify and provide proof for the validation of each inquiry. If none is given then I request that each inquiry with no proof of authorization be removed.This many inquiries by the same companies again and again have put my profile in a terrible position. I need it rectified as soon as possible so that I can continue with improving my credit profile and quality of life.
Product: Debt collection

XXXX and associates called my place of work, a lady by the name XXXX claiming to be an attorney at a law firm and stated my wages would be garnished and my credit would be damaged if I didnt pay {$8400.00} over an extended period of time or 40 % today which is {$3300.00}. I asked for proof to be sent to my email and they sent me a validation of debt letter. Below is the information of the alleged company. 

XXXX XXXX XXXX XXXX / XXXX XXXX / CA XXXX ( XXXX ) XXXX XXXX  XXXX XXXX
Product: Credit reporting

Experian shared my private information on XXXX different times with XXXX different agencies. XXXX was XXXX XXXX in XX/XX/XXXXXX/XX/XXXX, and XX/XX/XXXX .Number XXXX was XXXX XXXX XXXX in XX/XX/XXXX XX/XX/XXXX.The XXXX XXXX was XXXX XXXX credit department.They shared my private information without my consent..im very upset about this. they have no right to share my private info without my consent thats my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter because I am very concerned. I recently updated some information on my credit file with XXXX and Equifax during the months of XXXX and XX/XX/XXXX. 

Now 2 weeks later, there are HARD INQUIRIES on my file for both credit reporting agencies : 1. XXXX a. XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 2. Equifax XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I filed an Identify Theft Report # XXXX on XX/XX/XXXX, which is attached. I also called both CRAs to have this information removed and they have not removed it yet. 

I DO NOT have a State ID or License, my passport is attached.
Product: Credit reporting

This case was proven to be one that involves the theft of my identity. The original creditor states that they instructed the major consumer reporting agencies to delete all reference to this account from my credit file and I would like assistance from the CFPB to ensure this is completed.
Product: Money transfer, virtual currency, or money service

Your complaint Complaint Number XXXX Step 1 What product or service is your complaint about?

PRODUCT OR SERVICE Money transfer, virtual currency, or money service TYPE Domestic ( US ) money transfer Inactive modal Step 2 What type of problem are you having? 
ISSUE Other transaction problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes Step 3 What happened? 
On XXXX XXXX I did attempt to do 2 transaction through money gram in the amount of XXXX ref # XXXX and ref # XXXX for XXXX ref XXXX for XXXX and XXXX as well as XXXX. I am filing a another complaint on XXXX due to these transactions being canceled and never credited back to my account. Moneygram stated that all these transactions indeed canceled immediately therefore no money was ever processed and removed from my account. XXXX processes and sent funds somewhere. So I would like to request that both parties XXXX and Money gram provide complete documentation of the transactions that was provide proof of the successful trans action that Money gram canceled and stated that did cancel out and money never was received. Money gram should provide a complete documentation of the proof that each transaction did canceled out and never processed. I being going back and forth with these two companies and nothing has been accomplished. Each company states to me something different from what they say to each other but it is my money that was taken and no one seems to care that that is wrong. How can these companies be allowed to such and cause so much XXXX  and the reps have no care in the world bout it. I submitted the proof of canceled transactions moneygram sent t o advise me that the transaction did not go through. And that was not enough but XXXX could see that Money for each transaction was successfully removed from my account but money gram stated no money was ever received. To settle that we should be able to view some type of documentation of the canceled process and sent successfully process. This stress is really getting the best of me. PLease advise me on what steps I can take to get my money that was unrightfully taken from me. XXXX gave a credit and then reverse it it taken XXXX  and XXXX and my deposit in the amount of XXXX. Moneygram refused to provide any kind of documentation of the transaction being canceled although i have emails telling me they were canceled they also so called told investigators from the dispute team at XXXX that the transaction actually processed and never canceled which is not true. Why not help a customer see where their funds went if they cancelled.
Product: Credit card or prepaid card

Hi, yesterday I found all my chase credit cards were closed without getting noticed. I am very disappointed to what chase has done to me as a very loyal customer. I have never paid my credit card late. And I maintain my FICO credit score above XXXX. Chase is my primary creditor, I will lose all my credit history if chase decide to close all my accounts. My spending on credit card are very normal, no gift card purchase at all. I read through chase credit card agreements. I don't act any violation on any item on the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several dates in the month of beginning of XX/XX/XXXX. I called and try to investigate but the keep giving me a run around saying they will no longer investigate. Its hard to get credit cards and a vehicle if a lot of inquiries that you have no idea where it came from.
Product: Checking or savings account

THIS CRIMINAL BANK PACIFIC PREMIER FRAUDULENTLY AND CRIMINALLY CHARGED {$35.00} NSF FEE IN MY XXXX ACCOUNT EVEN THOUGH {$200.00} CASH WAS DEPOSITED ON XXXX ON TUESDAY. 

I TALKED TO THIS CRIMINAL BANK 'S LOCAL MANAGER IN XXXX XXXX " XXXX XXXX '' AND SHE SAID THERE WILL BE NO NSF FEE, AS DEPOSITED {$200.00} CASH. 

THIS A LAWSUIT AGAINST ( 1 ) PACIFIC PREMIER AND ( 2 ) ITS CEO " XXXX XXXX '' PERSONALLY IS BEING FILED FOR BOTH CIVIL FRAUD AND UNFAIR BUSINESS PRACTICES- SEEKING ATTORNEY 'S FEES AND DAMAGES
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

XXXX XXXX : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXX : ACCOUNT # 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has still yet to remove XXXX XXXX from my credit file. Transunion did not investigate this account properly if so it would not still be on my credit file. At this point I feel as if Transunion is benefiting by keeping this account on my credit file. I am really upset and I will be filing a lawsuit. XXXX indicated on a reply back which included myself, transunion and consumer financial protection bureau that this account should not be reporting. I guess Transunion overlooked that document but at this point Transunion is liable and will pay for punitive damages.
Product: Mortgage

I have a scheduled foreclosure sale date on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I was informed by XXXX to submit a letter to request a postponement of my foreclosure. This letter was faxed by a non-profit housing counseling agency, XXXX, on XXXX/XXXX/XXXX. Later I spoke with Ditech to check on the status of my postponement and was informed that this letter was not reviewed and no assistance was granted because there was no packet to review. This is contradictory to what I was informed and has prohibited me from pursuing much needed mortgage assistance. I spoke with Ditech on XXXX/XXXX/XXXX and requested a reinstatement amount as of XXXX/XXXX/XXXX I still do not have this figure. It seems as if Im being given the run around and I am only trying to find a resolution towards saving my home. I believe that proper communication and accurate information is not being shared, unfortunately to my detriment.
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX XXXX  XXXX Account Number : XXXX Bal : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX : {$8500.00} XXXX. XXXX SELF-REPORTED Account Number : XXXX Bal : {$100.00}
Product: Debt collection

Aldous and Associates is in violation of 15 U.S.C. 1692 et seq., the Fair Debt Collection Practices Act ( hereinafter FDCPA ), which prohibits debt collectors from engaging in abusive, deceptive and unfair practices. ALDOUS & ASSOCIATES, P.L.L.C. is law firm located in Utah with an office at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX. Upon information and belief, ALDOUS uses the mail, telephone, and facsimile and regularly engages in business the principal purpose of which is to attempt to collect debts alleged to be due another. 
No debt validation was sent and signed by an attorney. The XX/XX/XXXX letter was not signed by an attorney with ALDOUS. ALDOUS & ASSOCIATES, P.L.L.C. is not licensed to practice law in Texas. No attorney employed by ALDOUS is licensed to practice law in Texas as of XX/XX/XXXX. They have not responded to the contesting of the debt validation and no attorney employed by ALDOUS is licensed to practice law in Texas within the period beginning on the day one year prior to the date this the debt validation letter was sent. 
The FDCPA prohibits a debt collector from falsely representing or implying that any individual is an attorney or that any communication is from an attorney if, in fact, no attorney was meaningfully involved in collecting the debt. See Martsolf v. JBC Legal Group, P.C., 2008 U.S. Dist. LEXIS 6876, 2008 WL 275719 ( M.D. Pa. Jan. 30, 2008 ) ; Lesher v. Law Offices of Mitchell N. Kay , PC, 650 F.3d 993 ( 3rd Cir. 2011 ) ; and 15 U.S.C. 1692e ( 3 ). Aldous and Associates debt validation sent to XXXX XXXX does not comply with the FDCPA. 
Aldous and Associates violate the FDCPA, by inter alia : ( a ) Using false, deceptive or misleading representations or means in connection with the collection of a debt ; ( b ) Threatening to take any action that can not legally be taken or that is not intended to be taken ; ( c ) Using unfair or unconscionable means to collect or attempt to collect any debt; and ( d ) Making a false representation or implication that an attorney is meaningfully involved. 
Aldous and Associates violated 15 U.S.C. 1692e of the FDCPA by using any false, deceptive or misleading representation or means in connection with his attempts to collect debts from Plaintiff and others similarly situated. Section 1692e ( 3 ) of the FDCPA prohibits a debt collector from falsely representing or implying that any communication is from an attorney. Defendant violated 15 U.S.C. 1692e ( 3 ) of the FDCPA by falsely representing meaningful attorney involvement in his collection letters to XXXX XXXX. Congress enacted the FDCPA in part to eliminate abusive debt collection practices by debt collectors. 
XXXX XXXX has a right to free from abusive debt collection practices by debt collectors. XXXX XXXX has a right to receive proper notices mandated by the FDCPA. XXXX XXXX has suffered harm as a direct result of the abusive, deceptive and unfair collection practices described herein. XXXX XXXX has suffered damages and other harm as a direct result of the a actions, conduct, omissions and violations of the FDCPA described herein.