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

I had taken out a collateralized loan with Blockfi and used XXXX XXXX as my collateral. I paid the remainder of the principal of my loan off on XX/XX/2022. Blockfi notified me shortly after that the collateral XXXX  that They had held would then be returned to my Blockfi wallet after processing the ach transaction. 

On XX/XX/2022, we received word from Blockfi through XXXX that they suspended all withdrawals of any kind through their platform and failed to process the previous transaction. So now i have been left exposed twice awaiting either a refund of my principal pay off and my collateral that was supposedly held safely. Many other customers affected with my same circumstance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet got stolen and my social was in there. My identity was stolen and there were fraudulent inquiries added to my credit that were not authorized by me. I would like them to be removed of my credit report. 
There are as follows : 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
Product: Checking or savings account

Google pay had suspended my account, I don't know the exact reason. When I'm trying to login Gpay with my Phone number - XXXX and XXXX  - XXXX, there is showing *Access temporarily Suspended*, Your account has been suspended, trying logging in again with a different Google Pay Account. 
Kindly help me to recover my Google pay account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX is incorrect on all 3 credit bureaus. Upon reviewing the report today XX/XX/23 I notice that the information is still incorrect. I am asking that this account be removed from my credit report for the information shown is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are reporting incorrectly a collection/charge-off in the amount of {$3000.00} on the RESIDENCE/RENTDEBT AUTOMATED COL account number XXXX. ( Please see page attached from my credit report. ) I contacted the apartment complex manager on XX/XX/2017 ( see email attached ) to specifically request an itemization of what was owed prior to vacating the premises. I asked the office manager to provide me with the documentation immediately. I did not want to have this fall through the cracks and have this account wrongfully go to collections. I never received any acknowledgement of my email correspondence, nor did I ever receive any documentation of what was owed. In the meantime, the apartment complex withheld my entire security deposit. I was led to believe since they kept my entire security deposit that there were no outstanding balances due on my account with the XXXX  XXXX XXXX XXXX. I discovered that the apartment complex had reported this erroneous collection when I obtained a copy of my credit report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint after noticing an unauthorized inquiries and inaccurate personal information on my credit report : XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is not being reported correctly on my credit report. The date opened, high credit, credit limit, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. How is this possible if the bureaus are getting their information from the same source, XXXX XXXX? I have written letters to XXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I also called XXXX XXXX in XX/XX/2022. I have not received a response from the credit bureaus or XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiries that are not mine. This was likely due to the XXXX inquiry issue or the Equifax data breach.
Product: Credit reporting or other personal consumer reports

I have reviewed myt reports on all three credit bureau and the information doesnt match. I have reached out to these companies for a debt validation letter or a XXXX if the so called debt was a charge off. I am reaching out for assistance to get this removed from my credit report. 
XXXX XXXX XXXX  This company charge off refused to send documents or XXXX Account info Account number XXXX Status Account charged off. {$650.00} written off. {$560.00} past due as of XX/XX/year>. 
and XXXX XXXX XXXX  This company charge off refused to send documents or XXXX Account info Account number XXXX Status Account charged off. {$650.00} written off. {$560.00} past due as of XX/XX/year>. 

XXXX XXXX XXXX XXXX refuses to send documents Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 usc 1681e ( b )
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally complain about XXXX, XXXX, and Experian 's repeated failure to process multiple mail-in disputes I have submitted since XX/XX/year>. Despite providing all necessary identification and documentation, XXXX has consistently cited verification issues without specifying any additional documents required to complete the verification process. 

Background : Dispute Submissions : Beginning in XX/XX/scrub>XXXX XXXX I have mailed several dispute letters to XXXX, XXXX, and Experian in 40-day increments, each accompanied by copies of my government-issued identification, Social Security card, and proof of address.

Credit Bureau Response : In each instance, the credit bureaus responded by stating that they could not process my disputes due to verification issues. However, they have not requested any specific additional documents or provided guidance on how to resolve these purported verification problems. 

Applicable Fair Credit Reporting Act ( FCRA ) Violations : These automated responses appear to violate several provisions of the FCRA, including but not limited to the following : Failure to Conduct a Reasonable Reinvestigation ( 611 ( a ) ( 1 ) ( A ) ) : The FCRA mandates that upon receiving a dispute from a consumer, a credit reporting agency must conduct a reasonable reinvestigation to determine the accuracy of the disputed information. XXXX, XXXX, and Experian 's refusal to process my disputes without adequate explanation or guidance fails to meet this obligation. 
XXXX XXXX XXXX XXXX to Provide Notice of Dispute to Furnishers ( 611 ( a ) ( 2 ) ) : The FCRA requires that a credit reporting agency notify the furnisher of the disputed information within five business days of receiving the dispute. By not processing my disputes, XXXX, XXXX, and Experian have neglected this duty. 
XXXX XXXX XXXX XXXX to Review and Consider All Relevant Information ( 611 ( a ) ( 4 ) ) : The FCRA obligates credit reporting agencies to review and consider all relevant information provided by the consumer in the dispute process. Despite the comprehensive documentation provided, XXXX, XXXX, and Experian 's blanket refusal to process my disputes indicates a failure to comply with this requirement. 
XXXX XXXX XXXX Request for Assistance : I respectfully request that the Consumer Financial Protection Bureau investigate the handling of my disputes and take appropriate action to ensure compliance with the FCRA. Additionally, I seek guidance on how to proceed with my disputes to ensure they are processed in a timely and fair manner. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card

To whom it may concern I 'm taking the following steps to file and inconformity with Chase Bank. It all started with a breach of contract by a company XXXX XXXX. 
The rupture contract was because they did not honor a contract that I signed with them on XXXX XXXX, XXXX in which we both agree that they would retrieve the amount of {$270.00} every month starting XXXX XXXX this would continue for 120 months. 
Unfortunately this company breach the contract because they started to retrieve a amounts of {$280.00} Plus another amount of {$53.00}. I called the company directly to communicate my inconformity but they did nothing to remedy the situation. I also called to cancel the contract due to the breach of contract and they would not cancel it without incurring any penalties. So I contacted chase bank directly in regards to my Chase freedom which is the car that I used to pay the monthly installments. I asked Chase to stop any future payments and refund me and look into past payments. I sent them a copy of the contract which was breached. 

Chase sent me a letter of confirmation regarding the disputes. This letter had to date XXXX XXXX, XXXX which they promised over the phone to return such payments temporarily until they realize an investigation because of the breach of contract. Unfortunately chase only reimbursed me for {$53.00} on XXXX XXXX, XXXX I contacted them again about the XXXX credits for XXXX that they promised to reimburse me within 24 hours which did not happen. 

I check my account again and I realized that Chase once again had paid XXXX XXXX on XXXX XXXX, XXXX the amount of {$280.00} and on XXXX XXXX XXXX the amount of XXXXI called Chase once again to request a credit for the payment that had just cleared in XX/XX/XXXX and also for the past three payments which they had not resolved. 

Later on on XXXX XXXX, XXXX I received a letter that said I had not made a complaint regarding the full amount of {$280.00} and that I had only disputed to a partial amount of that money for {$9.00} once again I called them so they could correct the XXXX amounts for {$280.00} of which I have not received credit for. Two further my frustration I also noticed that they are still paying the company which breached the contract and still allowing them To charge {$53.00} every month. 

Another thing that I want to mention is that the dispute department does not have personnel that speak XXXX therefore communicating with them has been a hassle. It 's been even more of a hassle and frustration when I 'm trying to explain to them how to correct the mistake that they have made in the first place.
Product: Credit card or prepaid card

Hello ConsumerFinance Team, I have recently Logged into AMerican express and saw that i am pre- approved for Amex XXXX XXXX with XXXX bonus points if i spend {$2000.00} in 3 months as part of Promotion. To Confirm whether i am approved or not i called in American Express Customer Services and spoke to the operator and she confirmed that i am qualified. After i applied i am approved and received the card and to activate i have called customer service again and got shocked by them mentioning that i only get XXXX not XXXX if i spend $ XXXX and i opened a investigation. After the investigation is Finished they never called me and never notified me the status of investigation. Finally i called Amex on XX/XX/2019 and shocked again because they said i am not qualified to get the atleast XXXX bonus points. I Reached to multiple people and they did nothing i have all the email and I feel Amex has all the recordings i would like to open a complaint againt Amex on misleading info and even when i reach multiple times they did nothing.
Product: Credit card or prepaid card

I got a letter from Chase bank on XX/XX/XXXX, but I was not sure if the letter was legitimate. The letter asked for private information, including my social security number. The letter also provided a phone number, which I chose not to blindly trust. Therefore, I called Chase card services to verify the authenticity of the letter. After all, I only have credit card accounts with Chase. When I called card services, they had no idea about any letter sent to me. Therefore, I told them that the letter is probably fraud and I chose not to act on the letter. On XX/XX/XXXX, Chase sent me a letter telling me that they closed my accounts and my credit cards because I did not act on the letter. I am unable to use my Chase credit cards. I called Chase credit card services and they can only see that my account was closed. They can not see that I got a letter from Chase bank.

How can Chase bank and Chase credit card services be so disconnected? It's dangerous to expect  consumers to trust a phone number in a letter because a fraudster can easily sent a letter with a fraudulent phone number, where the phone number connects the unwitting consumer with the fraudster. I have been sent fraudulent letters asking for personal information for verification purposes before ( I believe it was a fraudster pretending to be XXXX XXXX XXXX ). It is dangerous to set an expectation for the consumer to trust a phone number listed on a letter. Chase card services should know when Chase bank sends a letter threatening to close the credit card account if social security forms are not submitted.
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. 
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 card or prepaid card

Goldman Sachs Bank USA has violated 15 USC 1691 ECOA. By not extending me my credit with my credit card I used for this transactions.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

School : XXXX XXXX XXXX XXXX XXXX, XXXX, NJ. 
I have multiple private student loans with JPMorgan Chase. Approximately a year before this incident, I received notification that servicing of these loans was being transitioned over to XXXX XXXX XXXX ( XXXX ). XXXX of these loans came due in XXXX. XXXX sent a notification of the loan coming due via email on XXXX XXXX. I called on XXXX XXXX to ask about deferment/forbearance options. XXXX sent me a form for forbearance that was the wrong form ( it did not apply to my situation in the slightest ). At this time, I became busy with many other things ( I an an XXXX working XXXX hours a week and I have XXXX other student loans I 'm following ) and forgot to call back regarding the form. 

XXXX sent no additional notifications that the loan was due, past due or about to default - I received no calls, emails or mailings regarding this. ( With every other loan servicer I have ever had, I have received multiple calls, emails, and/or mailings warning me of past-due accounts. ) On XXXX, the loan apparently defaulted and was sent back to Chase for servicing. I received a 'notice of acceleration ' from Chase stating the following : '' You are in default of your student loan contract. We previously advised you to cure the default [ in fact, neither they nor XXXX 'advised ' of anything - I received no notifications/warnings whatsoever regarding a past-due account or default, only receiving an email from XXXX on XXXX XXXX stating that the loan was coming due ] and you have not done so. '' They go on further to state that the entire balance of {$33000.00} is being 'accelerated ' and is now due. 

This default *did not* occur because I do n't have the money to pay on this account - I can easily make the original $ XXXX monthly payments and told Chase that I would be happy to make these when I called regarding this 'acceleration '. They refused to accept the monthly payments and are demanding the full balance be paid now. 

Out of the XXXX student loan accounts I have, this is the only one that is past due or in default. I simply want to be able to make the original monthly payments on it.
Product: Debt collection

Approximately XXXX I received notice of a debt for A credit card from XXXX XXXX from another agency out of Nevada. I have never taken out a credit card. I spoke with a representative and asked that proof be sent that this was taken out by me and a list of itemized purchases. I never heard from them again. On XX/XX/XXXX I received an email from my employer stating my wages were being garnished at 25 percent by midland credit management out of XXXX Michigan for an amount similar to the amount in XXXX. I have never received any communications from this company. No letter, no calls and certainly no notice of a court hearing. I was never served with a court notice. On the garnishment paper from the court there are two different dates. XX/XX/XXXX and XX/XX/XXXX. I was never notified by any person or court of collections or proceedings against me. Please help. This is not my debt and I was not aware of any action to collect this. Now my wages are being garnished {$270.00} a pay check.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires us to remove any incorrect accounts from my credit report. Can you check the documents, please? Some of the listed accounts are inaccurate in terms of the reporting, with inaccurate amounts and dates being reported.
Product: Credit reporting

I moved out of my apartment and had a disputed balance owed. The company sent me the final amount owing and after negotiating we agreed on the amount owed. We also agreed on two payments that would pay my account in full. After agreeing on the payment schedule they informed the credit bureau that I did n't pay in full. I have the letter that says it 's paid in full from them. They will not contact the bureau on my behalf and said its up to me to resolve. I have the emails that show I was waiting for an accounting of the balance owed before I paid. When they said I could pay in two payments I thought this as resolved. I told them how important my credit score was to me. Not sure what I can do to get this off my bureau?
Product: Debt collection

I disputed a negative item on my credit report via XXXX 's tools. I made sure to note that I am unaware of this debt with this company and they are still remaining on my credit. I do not owe this company any monies. I've never had an account with this company. I do not owe ANY creditor the amount they are reporting in excess of {$400.00}. So, I am sure that this is an erroneous debt.
Product: Mortgage

DUE TO THE COVID19 I WAS ON A FOREBEARANCE THAT WAS SET TO EXPIRE ON XX/XX/XXXX. I CONTACTED IN EARLY XXXX MY MORTGAGE PROVIDER NEW REZ AND SPOKE WITH AN AGENT WHICH ADVISED OF MY NEXT STEPS WHICH INCLUDED A PARTIAL LOAN AND A LOAN MODIFICATION. I WAS ADVISED BY THE AGENT I DID NOT HAVE TO MAKEE A PAYMWNT UNTIL XX/XX/XXXX. I COMPLETED ALL DOCUMENTS THAT WAS SENT TO ME ON TIME AND I MADE THE PAYMENT AS I WAS ADVISED ON XX/XX/XXXX. THE COMPANY REPORTED AS BEING LATE FOR THE XX/XX/XXXX AND XX/XX/XXXX. I HAVE REACHED OUT TO THE COMPANY SEVERAL TIMES AND WAS TOLD WAS NOTHING THEY COULD DO ABOUT IT AND ADVISED ME TO DISPUTE WITH THE CREDIT BUREAUS. I HAVE EXLAINED THAT I WAS ADVISED BY THE AGENT AND IF THEY COULD LISTEN TO THE CALL BECAUSE THEY SAY THE CALLS ARE RECORED. I WANT THE LATE REPORTING REMOVED BECAUSE BASED ON WHAT I WAS TOLD BY THEIR AGENT I DID WHAT I WAS TOLD AND THEY TOLD ME MY MORTGAGE WOULD REAMIN IN GOOD STANDING. I FEEL LIKE IT WAS A BAIT AND SWITCH BECAUSE THE AGENT INFORMED ME SEVERAL TIMES NOTHIG WOULD HAPPENED AND THE LOAN WOULD REMAIN IN GOOD STANDING AS LONG AS I RETUNED THE DOCUMENTS WHICH I DID ON TIME. PLEASE HELP
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 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # 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

I was never notified of derogatory reporting on my credit report from Target Financial. I was never informed from Target Financial of the lateness reported on my XXXX credit report for XX/XX/2017 and XXXX XXXX XXXX. I was never informed that the status was updated to discharged in bankruptcy. These are violations of FCRA 623 ( a ) ( 7 ) ( G ) ( i ). Im seeking {$3000.00} in damages, removal of the account from XXXX and XXXX, and an agreement of no re-insertion to any credit bureau.