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

I have an account with the company XXXX XXXX. Its supposed to be a secure wallet that they advertise they have no access to your funds. Your keys your crypto. Iv been in crypto daily and have several accounts on several different platforms. This being the only one to have this issue. Iv got to pay taxes on this account and it shows several times that hundreds of thousands of dollars was sent and received into my account. Proven on XXXX. In the form of BNB. The issue is the money has never show up and the coins arent there. This has happened 3 times. Iv sent emails to support and no response. I would expect to see my coins in my wallet if they where sent to me and showes a taxable transaction for me. Thats money laundering and Im the wrong one Im very crypto fluent from the tax standpoint. And you cant change the XXXX so XXXX XXXX is false advertising that they cant access your wallet. Thats a lie there was a hack and the hackers sent the coins to every address on a certain blockchain and we all received coins. Then the coins disappeared and was reported trXXXX XXXX returned the coins. That showed me they have access to your personal wallets. I cant pay the tax on this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out because there was a XXXX XXXX XXXX  account that was opened through fraud, I reached out to the comapny and they stated they closed it out after I sent in a identity theft form and called and spoke to a supervisor. I also don't understand how it now shows late payments on an account that isn't mine. Please remove this from my credit
Product: Credit reporting or other personal consumer reports

This complaint is serious and is not sent in error. The inaccurate information in my credit report has caused me frustration and inconvenience as it has impacted my ability to secure credit approvals.
Product: Vehicle loan or lease

My daughter applied for a car loan at the PNC branch. They gave her a check package to give to the seller. But, my daughter changed her mind about the car and shredded the check and notified the bank. The assistant manager sent an email to the loan dept explaining that my daughter decided not to purchase the vehicle and that she had shredded the check. ( mistake on her part, I admit ) The assistant manager told my daughter that the loan was going to be reverse and that no payments would be drafted out of our account. However, on XX/XX/2018 a debit for {$460.00} was made to our account for the first payment. I called the bank to dispute it and explained that my daughter never got the car. The branch manager remember that my daughter had notify her of that. A few days later, I received a called from the bank to let me know that they were going to credit my account because indeed there was no loan and that they didn't know how it had happened that they booked the loan into the system, even though they didn't receive the title or any signed documentation for the sale of the vehicle. I waited a few days and no credit was received. I contacted the branch to inquire and was told a new and different story. They said they needed to research and see why they booked the loan and that it would take 90 days for them to put a stop payment on the check, and that on the meantime while the 90 days run and they research, we would need to continue making monthly payments. Now, this is absolutely unacceptable. PNC has policies in place that don't make sense. I had an issue a few months ago with an unauthorized debit on my account and even though it was clear that the debit should have never been honored, they did and declined my claim. I had to appeal and take it to higher level and that took nearly 5 to 6 months to resolve and get my credit back. I do not trust this bank. I have opened accounts at another bank to move my account relationship. I hope that you can help us resolve this issue as soon as possible. It is absolutely insane and abusive on their part to ask us to make such a large car loan payment for months, just because they can't figure out what they did wrong. I worked in XXXX for 25 years, including at this XXXX and I have never seen customers issues being handled the way they do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, CAINE & WEINER COMPA ( Opened XXXX XXXX, 2020 ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER COMPA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

On  XX/XX/2017    approx.  XXXX  est. I spoke with a Customer Service/Sales Representative with Bank of America. I was initially looking for t he Human Resources Depa rtment, but the Representative that answered the phone sold me on a credit card. I was approved for a credit card limit of {$10000.00}. Several times throughout the call I emphasized to the Representative I only wanted a credit limit of {$2000.00}. Now a week later I look at my balance online and of course it is a {$10000.00} limit. The Representative did the exact opposite from what I requested for her financial benefit. I will be in the market for a refinance before the end of the year and want my debt to income to be as low as possible so I can qualify for the best loan. I know for certain this was no mistake because I reminded her numerous times and even told her I did not want a {$10000.00} limit. I have several accounts with Bank of America and should be able to trust them to do the right thing for their loyal customers.
Product: Credit reporting or other personal consumer reports

I just looked at my consumer reports and noticed a collection on an account that is not mind. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never had this account and did not provide written consent to report the account : XXXX XXXX XXXXXXXX : [ XXXX ]. 
XXXX XXXX XXXX : [ XXXX ] Please investigate and provide proof with statements showing that this collection is mine and proof that I authorized the reporting of this information. If proof can not be provided I demand these collection accounts be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continually disputed two accounts on my credit report which still show currently. I have disputed them and asked that they be removed from my report. To date neither of them have been removed and disputed only to update with more erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested multiple times about a reported 30 late payment that was never late in XX/XX/2019 for XXXX XXXX with transunion and never received any response or action. There are also several inquiries that are showing and should not be showing on transunion such as XXXX  XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX XXXX ) and XXXXXXXX XXXX ( XXXX XXXX ). Everything that is on XXXX is ACCURATE and should be reporting across all three ( 3 ) credit bureaus.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit card

I am six days late on a payment on my CITI visa credit card ending in XXXX. I went on my online accountbto pays the amount due and was shocked to see that i had been charged a late fee of {$200.00} and an over the credit limit fee ( Due to that late fee ) of {$140.00}. This is an added amount of {$380.00}. 
My credit line was initially anounced to be {$8700.00}, I don't understand the over the credit limit fee. 
My original amount due was {$200.00}, it has now increased with these out of control fees to {$580.00}. 
I attempted to contact customer service, and got a collection attempt message. 
I am asking for CFPB to step in since I am the victim of very agressive tactics from CITI cards. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts on my credit report that show I owe XXXX to XXXX and XXXXXXXX XXXX. This account has been settled with XXXX XXXX XXXX. Remove both accounts from credit report.
Product: Checking or savings account

I made 6 transfers this month and last month and after depositing money into my account suddenly I received an email saying I made 7 transfers when there was no money in either of my accounts. I made a withdrawal and they tried to count the transaction itself as a transfer. They did this to steal XXXX and the. Made up a false 7the transaction for last month and I was never noticed which means is is fraudulent activity from inside the bank.they keep trying to collect miscellaneous fees and steal from my account. My bank is the Bank of America on XXXX and XXXX in XXXX XXXX FL XXXX. They keep trying to take advantage of my account because I receive VA payments.
Product: Debt collection

Contacted Allied Collection Services to settle debt for a specified amount. Also asked collector to mail all information pertaining to the debt that is wanting to be collected. I was told I would be receiving a response about the settlement in a few weeks. I waited a few months and haven't heard anything back. I then contacted the collection agency again to try to settle the debt and see why I haven't received any information pertaining to the debt. I was given the run around and still haven't came to an agreement to settle or received information about the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX  XXXX XXXX, dated XX/XX/2022, asking me to call them right away because they'd detected suspicious activity on my credit card and as a precaution they've temporarily suspended the account. Afterwards, I called the phone number given on XX/XX/2022, and spoke to the fraud department of XXXX  XXXX XXXX.They informed me that a credit card had been opened in my name of which I informed them that I had no knowledge of. They told me that the credit card was opened with a $ XXXX credit limit and that {$14000.00} had already been charged on the card. They also reported that a payment had been made on the account as well. Since I had no knowledge of this account, they informed me that they would, and did, immediately close the account and I was instructed to make a police report of this incident and to also inform the credit bureau 's of this occurrence. They also told me that I would not be responsible for this debt. My next step was to go directly to a XXXX  XXXX XXXX on XX/XX/2022 to confirm that the letter was actually from them, in which they informed me they could only confirm that the account referenced had been closed and that I should continue to make a police report. The XXXX Police Dept. referred me to you to submit this complaint before we can actually file the police report.
Product: Payday loan, title loan, or personal loan

Have received numerous phone calls from Advance America for a loan I did not receive. They have my cell phone number, Social Security number and birthdate. They tell me I received 2 Loans in 2019, they did not specify the date, one for {$210.00} and one for {$120.00}. This was supposed to have taken place at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, local phone number XXXX. The phone calls I receive from the person that calls is XXXX. Advance America customer service phone is XXXX. 
I do not remember receiving these funds from them. I do not remember ever being approved for these loans. I do not remember doing business with them. 
When I called Advance America customer service they said they had records of these transactions. They will NOT provide me proof I ever received or even applied for these funds. When I tell them to talk to my husband to find out what is going on they refuse. Advance America customer service would not until I verified my personal information, then only gave him the year, store and amounts owed.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) are a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) as the financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and ( furnishers of information of credit agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnishers of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are adverse items that are being reported again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. This is pertaining to XXXX XXXX, L.J ROSS ASSOCIATES, and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX, XXXX, and XXXX of inaccurate items being reported on my credit reports. XXXX and XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be force to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an going problem Ive sent them court documentation further proving everything nothing has been done this bankruptcy should not be there its not correct please have this removed its hindering my life
Product: Debt collection

This is not a refusal to pay an alleged debt! AMERICAN COLLECTIONS XXXX claims that I am obligated to pay them an alleged debt associated with account # : XXXX. AMERICAN COLLECTIONS XXXX shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If AMERICAN COLLECTIONS XXXX can not provide the original instrument or proof that it still exists, then AMERICAN COLLECTIONS XXXX shall send me an original statement affirming that AMERICAN COLLECTIONS XXXX did not sell the original instrument because if AMERICAN COLLECTIONS XXXX didn't sell the original signed instrument of indebtedness ; then AMERICAN COLLECTIONS XXXX should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when AMERICAN COLLECTIONS XXXX produces the original instrument or proof that it has not been sold, which proves that I am obligated to AMERICAN COLLECTIONS XXXX. Also please produce the trilateral contract between me ( consumer ), XXXX XXXX XXXX XXXX, and AMERICAN COLLECTIONS XXXX that shows I agreed to do business with AMERICAN COLLECTIONS XXXX along with XXXX XXXX XXXX XXXX or on behalf of XXXX XXXX XXXX XXXX. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the refusal of XXXX, XXXX, and TransUnion to remove fraudulent accounts and inquiries from my credit report. Despite multiple disputes, they have failed to comply with federal law, specifically the Fair Credit Reporting Act ( FCRA ) and related regulations. 

Fraudulent Accounts : XXXX, opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX multiple entries ) XXXX XXXX XXXX, opened XX/XX/XXXX XXXX XXXX, opened XX/XX/XXXX Fraudulent XXXX XXXX XXXXXXXX XXXX XXXX inquiry dated XX/XX/XXXX This is my third attempt to resolve this issue. The continued inaccuracies have caused significant financial and emotional harm, as I have been unable to secure housing or credit. I am requesting an immediate investigation and action to force these bureaus to comply with FCRA requirements. If no action is taken, I will pursue legal action as allowed under 15 U.S.C. 1681n for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX XXXX Account Number : XXXX Reason : Account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) and the date opened being reported ( XX/XX/2016 ) is wrong. Please remove this account. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of the credit reporting agencies claim there is some problem after I gave them all of my information and created accounts. Yet, they direct me to their websites to sign up for paid services. Their listed phone numbers to call for help don't actually allow you to speak with anybody, and you have to have a membership to receive support. 

I think this is deliberate. I should be able to request a copy of my credit report through XXXX and ONE of the agencies systems is working. 

The entire thing is down, and the XXXX XXXX XXXX I'm directed to are gamed to get people to sign up for paid monitoring. 

They further claim that they can't get any information on me, which is ridiculous, since I know have items on my credit.
Product: Debt collection

I received an order of garnishment from the court. The creditor listed is Ray Klein Inc, an  Oregon Corporation DBA XXXX XXXX XXXX. The Original debt amount is listed as {$830.00}. Fees were added in the amount of {$1000.00}. The document states that a judgment was entered against me dated XX/XX/XXXX, 2010. I was not  notified that I had this debt EVER, the original creditor was not listed, and I had no idea a judgment was entered. I can not even imagine what this debt could be.
Product: Credit card

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Product: Vehicle loan or lease

GM Financial is not allowing me to pay extra payment towards my principal balance to pay off my loan early. The loan terms are very confusing and misleading when I purchased the vehicle. There is no way with the current terms of this loan to pay or reduce interest payments or amount.
Product: Vehicle loan or lease

The car was traded in and paid for. Chrysler capital in the amount {$25000.00}. Want it remove from credit or to show paid off
Product: Debt collection

Balance : {$1100.00} On XX/XX/2019 I notified Afni in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. 
Afni refused to follow up on my letter explaining or notice it is disputed. 
I wish to file a complaint against Afni under the Dodd-Frank Act.
Product: Credit reporting or other personal consumer reports

I've contacted XXXX XXXX multiple times via phone and written letter. 
Currently on my credit reports showing inaccurate payment history. This is affecting my ability to obtain new lines of credit and life and need to be updated accordingly. I have kept this account current with no foreclosures or 3rd party collection agency being involved. The house was sold and the loan paid off.