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

Hello, The following situation occurred since XX/XX/2021. 

XX/XX/2021 : I sent virtual currency assets from the app XXXX XXXX to the online exchange Gemini.com. Gemini received my XXXX UNI ( uniswap asset. ) This same day, Gemini confirmed the transaction. 

XX/XX/2021 : On Gemini.com I sold my XXXX XXXX for XXXX. This XXXX balance is, as of writing, still on my Gemini.com balance. I then see that Gemini.com and their XXXX app do not allow me to send my XXXX balance to my bank accounts as a XXXX transfer. I use both XXXX XXXX and XXXX ; either allow me to receive USD or EUR currencies ( with respective instructions. ) I follow these instructions as per Gemini, XXXX, and XXXX, and am unable to withdraw my XXXX balance because it doesn't match the default balance of my USD XXXX XXXX account. 
I email Gemini support : I am a customer of Gemini. I just sold my XXXX on Gemini, and now have a balance in EUR euros. I would like to send this EUR balance to my bank account ( XXXX XXXX XXXX, whether in EUR or USD. I am using the Gemini app for this. I add my XXXX XXXX bank account via Plaid, but afterwards XXXX XXXX doesn't stay as a payment method. I really need my money in my XXXX XXXX bank account please so I can pay my bills. 
Gemini sends me an email that they have received my support request / note. 

XX/XX/2021 : Gemini emails me that a test money transfer of {$1.00} has processed. However, at this rate it is too late to access my account. I am unable to access my Gemini account because it uses 2-factor authentication to message my American phone number, which I lost access to in the past few days. I can log into my Gemini android app, but I can not change 2-factor authentication there. I can not log into Gemini.com for the website 's full features of sending EUR to my XXXX or XXXX. 
I email Gemini support that they are holding my EUR balance without a response for 7 days, and that I am unable to access my Gemini account due to 2-factor authentication. 

Please, I must receive my money in a timely fashion. I must pay my bills. On XX/XX/XXXX, I will relocate to XXXX. I will have a new phone number there of course. I need access to my EUR balance on Gemini, whether it means sending EUR to my bank or converting Gemini EUR to . Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I began sending letters to you and to XXXX XXXX informing you all that there was an account on my profile that I needed to have validated and was also reporting inaccurately on my report. There was a creditor remark added to my profile stating " Account information disputed by consumer, meets FCRA requirements ''. How is this possible if the account is still reporting incorrectly? This is misleading and goes against my rights as a consumer. I reported that this account was also reporting an " Open account '' status, yet no changes have been made on my account. Also, after many attempts at having this resolved, the dispute status remains " Account not disputed ''. There are several errors on this account that you are reporting on my profile and I am requesting that this be deleted due to the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate :
Product: Credit reporting or other personal consumer reports

Incorrect information on my credit report and I would like it to be corrected so my credit can reflect correctly. 
Hard inquiries -- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquires-XXXX  ( Finance ) -XXXX  XXXX ( Auto ) XXXX ( Bank ) -XXXX  ( Bank ) -XXXX  ( Finance ) XXXX-XXXX XXXX XXXX-hard inquires- XXXX  XXXX VIA DEALER-US DEPARTMENT OF EDU
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, and XX/XX/XXXX, I reached out to every creditor and inquired on my credit report, I hope this letter finds you in good health. I am writing to address a matter of significant concern regarding the information on my credit report. I have contacted every company listed on my credit report and patiently waited, but unfortunately, no action has been taken to rectify the discrepancies. 

I have received correspondence from both TransUnion and XXXX, confirming that adjustments were made, but the unauthorized inquiries were not removed. Specifically, I have identified a total of XXXX unauthorized inquiries that were conducted without my consent, resulting in an inaccurate representation of my creditworthiness. 

To assist you in investigating this matter further, I have provided a detailed list of the inquiries in question, including the dates, company names, and the respective credit bureaus : In addition to the unauthorized inquiries, I have identified outdated accounts on my credit report, which further distorts the accuracy of my financial profile. It is imperative that these accounts be rectified promptly to ensure the integrity of my credit report. Here is a list of the outdated accounts, along with the relevant details : [ Include the list of outdated accounts with dates, amounts, and actions taken ] I kindly request that a thorough investigation be conducted to rectify the aforementioned discrepancies. I expect the unauthorized inquiries to be promptly removed, and the outdated accounts to be updated or removed from my credit report. 

Please provide me with written confirmation once these matters have been addressed and the necessary corrections have been made to my credit report. Additionally, I would appreciate any documentation or information regarding the actions taken by the credit bureau or the respective companies in response to this dispute. 

I appreciate your prompt attention to this matter and look forward to a timely resolution. If you require any further information or documentation from my end, please do not hesitate to contact me at the provided email address or phone number.
Product: Credit reporting or other personal consumer reports

On my credit report ( XXXX ) for the XXXX main credit agencies, the accounts noted in the enclosure were " charged off ''. According to IRS Publication ( s ), charge-offs are considered income, and income can not be reported on credit reports.
Product: Debt collection

Apparently I have a name that 's easy to search and find mailing address and phone number. Consequently I receive dunning phone calls and letters demanding payment of debts that are not mine. NEVER mine. It seems to me the callers could take XXXX more minute on the internet and confirm I 'm not the person they 're looking for. I 'm absolutely sick of these calls and letters and can not find any way to stop them. I suggest a regulation that mandates some level of validation before these collection agencies take the easy way and just call or write everyone, hoping to get a response from the XXXX they 're really after.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to dispute items on my credit report and investigation has taken longer than 30 days, for both companies, XXXX and Experian.
Product: Debt collection

Company ( XXXX XXXX ) falsely stated that I have not been paying my debt in the last complaint I filed I have been paying on time ( see attached bank statement ). By making these payments I have not acknowledged this debt to be mine, In fact I have paid these payments because AmerAssist A/R Solutions has threatened myself and family with arrest and negatively reporting to my credit ( see attached email proof ) I tried to explain that this debt is from a Fraud case that has been proven by other credit card companies is not my debt. With proof from a letter from the credit card company., This debt was from a identity fraud case and AmerAssist A/R Solutions is still is actively trying to collect. 

I have now contacted the XXXX XXXX XXXX and FTC with AmerAssist A/R Solutions as the Fraudulent debt collector,
Product: Checking or savings account

Application for checking acct completed online XX/XX/year>. 

Received email XX/XX/year> stating it was denied, no information given as to why and " If you believe you may have entered your information incorrectly, please try your application again, call us at XXXX, or visit us at your nearest branch. '' I tried the application again, received the same email. 
First App ID : XXXX Second App ID : XXXX I called and spoke to several people and no one would tell me why I was denied despite perfect credit and banking history ( never so much as a late payment ) and high credit score. When I asked repeatedly for the information to be mailed, the manager I spoke with would repeat that I received an email ( which, again, tells me NOTHING about the reason for my denial, and only directs me to call, which I was doing ). At the number provided in the email for follow-up, I spoke with XXXX and alleged manager XXXX ( and XXXX others whose names I didn't get ). 

I just want the information about why I was denied as my credit reports have no issues and none of the common reasons apply. This makes me think there's fraud or identity theft but the only evidence is being withheld by banks. 

I have recordings but this form doesn't accept those files.
Product: Credit card or prepaid card

My XXXX  account had fraud charges. I alerted the company and even tried to keep up on the charge as to not affect my credit. This has gone on for months and is affecting my credit score. The amount owed is fraud and I really need help having it removed. My account showes a XXXX balance however they continue to call and report passed due amounts. THank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was diagnosed with XXXX for the XXXX time, I contacted the company the moment i recovered. Submitted payment of XX/XX/XXXX but posted on XX/XX/XXXX due to XXXX XXXX Holiday.
Product: Credit card or prepaid card

This Chase Freedom credit card is a blood sucking credit card, Chase bank is filled with Liers and Scammers, I was overseas in the month of XXXX and without informing me chase closed my credit card, I only had that credit card in my posession in XXXX and had such a hard time, there was no letter, no warning, they are like a traitor. My XXXX XXXX XXXX got delayed because I gave my Chase freedom credit card information to the XXXX but as my card was closed they could n't charge and sent me my application back. 

Moreover, I reported some of the fraudulent charges from the Year XXXX, and I got a credit of {$3700.00} on XXXX/XXXX/XXXX, on XXXX/XXXX/XXXX I asked the Credit card company to cut the check and sent to me, they do n't want to write the check and kept on lying to me till today XXXX/XXXX/XXXX, and now they are subsequently placing the charge back on my credit card, Now I only have a credit balance of {$1100.00}, {$2600.00} has gone in the pocket of Chase. They are making a fool of me everyday, saying that they cut me a check today, they cut me a check tomorrow, as If I am a fool and will do nothing about it. 

Whenever we dispute a charge, Chase takes back the money from the merchant but do not give it to the customer, thats how chase makes money, thats their money making mantra, I am calling them from last two months, sometimes they say one things, other times they say another thing. Chase freedom is not Freedom, it is incarceration. 

I have attached the screenshot, you can see last month the credit balance was $ XXXX and this month it is $ XXXX What is this nonsense, I recieved no letter, nothing from chase freedom.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with XXXX XXXX. I have a XXXX, revolving line of credit with them that has been established since XXXX of 2020. They have yet to report my positive credit rating to any of the major credit bureau ( s ) as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute requesting information on the debt to Transunion and XXXX XXXX XXXX the debt has not been validated no document has been sent verifying any information. 

No copies of a signed agreement or history of payments made to the company has been sent. 

Requesting if this debt can't be validated for it to be removed from credit records as it is hurting my credit.
Product: Checking or savings account

I received a promo from Citibank to get {$500.00} bonus to open a new checking and savings account. I opened both accounts in XX/XX/XXXX and deposited {$15000.00} to the new accounts and set up the direct deposit to meet the requirement to receive the bonus. Three months later, Citibank sent me a letter that my accounts will be closed on XX/XX/2020 without reason. Instead of giving me {$500.00} bonus after I met all the requirement, they just simply close my accounts.
Product: Debt collection

This agency is infringing on your consumer rights by using misleading, false, and deceptive tactics. 
I've already tried to resolve these issues directly with them, but continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.
Product: Credit card or prepaid card

My US bank platinum visa credit card is reporting closed and showing 30 days late. I repeatedly reached out to the fraud and verification department to fix account status. The 30 day late is incorrect and severely impacting me on ALL 3 credit report. I am trying to close on my mortgage with all the crisis happening right now this misinformation is damaging my home buying closing process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying the CFPB that my identity has been stolen and used for fraudulent purposes.

When I rst noticed when my identity had been compromised I placed a fraud victim alert on my experian, XXXX XXXX and XXXX credit report on XX/XX/20. However because I wasn't able to recognize exactly when my identity got stolen I experienced several problems as of the result of this theft. It seems like the perpetrator opened several accounts in my name as well as somehow misrepresenting some of my personal information on my credit report. The account listed below were not open by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The personal information listed below is also in error : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I still dont have any informationon who this theft is but I will update identityTheft.gov when i found who.
Product: Bank account or service

Wells Fargo sent a check to me at an old address, noting that " a recent quality review '' revealed that I was " owed a refund for certain fees paid on '' an account that they reference. The check and account are in the name of " XXXX XXXX or XXXX XXXX ''. I do not know any XXXX XXXX, and I have not had an account with Wells Fargo since I was a college student in the early XXXX. I believe that my information was used fraudulently to open an account, possibly with this " XXXX XXXX '', and want a full review of this matter.
Product: Debt collection

XX/XX/XXXX XXXX sent me a XXXX saying that my complaint will not be answer under the fair credit report i have to complain to the company an i have XXXX times, i also complain to XXXX an XXXX, XXXX they refuse to look into my complaint an they are ones reporting it XXXX XXXX # XXXX is a XXXX XXXX XXXX agengy an ask under the XXXX i am entitled to request validation of this XXXX, as of the date recieved an any documentation or evidence validating the existence or XXXX of alleged XXXX an the refuse to look into it
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the mentioned accounts are incorrect, causing me distress.
Product: Credit reporting or other personal consumer reports

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person is liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, the consumer is entitled to actual damages or {$1000.00}, whichever is greater, along with any punitive damages the court may allow. I did not initiate any of these accounts. If you believe otherwise, please provide copies of my written signature giving consent.

Additionally, I did not authorize the sharing of my non-public information. Reporting this information is neither fair nor equitable to me as the consumer.

15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not provide an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse information in a report, except for criminal convictions, if it is older than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing any information to a consumer reporting agency if it is known or reasonably believed to be inaccurate.

Furthermore, the agency is not in compliance with Metro 2 credit reporting standards. I have evidence to support my case.
Product: Payday loan, title loan, or personal loan

Attn : Consumer Financial Protection Bureau Re : Big Picture Loans I am an XXXX XXXX at our local XXXX XXXX. I am writing to complain about Big Picture Loans a payday loan company. My mistake was that I took a loan of {$1500.00} from the company ( in XX/XX/XXXX ), which I planned to pay off within a month. Unfortunately, I was hit by a severe financial set back - some of the XXXX I was scheduled to XXXX this semester were cancelled and my income slumped significantly. 

My intention was to pay back the loan within one month using half of the income I would make from XXXX these XXXX. But because these XXXX were cancelled, I could no longer afford the minimum payment that Big Picture Loans charges me every two weeks. I immediately contacted Big Picture Loans customer service via both email and phone and explained my situation to them. I then requested for a payment plan of {$50.00} a month till my loan with them is paid off. I also implored them to discontinue charging further interest to my loan since I could hardly afford to pay the interest I can afford to pay {$50.00} per month but if they continue to charge interest on it, my monthly {$50.00} payment will not make a dent on the loan, which means that it can balloon to a high level that I will never be able to pay off. The person I spoke to when I called Big Picture Loan emailed me a hardship form to complete. I completed the form, explaining my financial situation to the company. They responded but told me that my request is denied. Heres a copy of their response to me : Bigpictureloans Support <XXXX> XX/XX/XXXX at XXXX XXXX Dear XXX Thank you for your communication. At this time, we are unable to provide a payment plan. However, you can make your next scheduled payment for a lower amount. 
There are few things you should keep in mind before we proceed with your request. 
The finance charges of your loan are accrued daily. When you pay less than the scheduled payment, you will pay additional finance charges because the unpaid principal amount remains the same for a longer period than the one in the Payment Schedule of your loan agreement and you may also incur late fees. 
Paying a lower amount will not alter your original scheduled payment amounts or dates as set forth in your loan agreement. Your final payment will include the additional finance charges accrued since those are applied to the end of your loan agreement. Your following payments will first be applied to any past due balance, then to any fees and finally to the current due amount. 
To bring your account current, you will have to make additional payments which can be done at any time. 

*Your next payment is due on XX/XX/XXXX for {$260.00}. 

The address to send your payments is as follows : Big Picture Loans XXXX. XXXX XXXX XXXX, MI XXXX Thank you, Customer Support Big Picture Loans XXXX At the moment I can hardly afford to pay my rent and other bills. Please, I need your help in this matter. Is there a way you can convince Big Picture Loans to approve my request? I am eagerly awaiting your response. 

Sincerely,
Product: Debt collection

CCS Collections is trying to collect on a debt that isn't owed and is reporting false information to the credit bureaus and will not remove. There is no balance due to XXXX XXXX policy # XXXX. The CCS Collections account # XXXX needs removed from credit file immediately or I will seek legal action in excess of the {$360.00} balance they said is owed.
Product: Credit reporting or other personal consumer reports

Equifax INC. is trading my personal and private information on the shock exchange. This is Equifax INC. XXXX XXXX number XXXX. This is Equifax INC. XXXX XXXX  number XXXX. Equifax INC. is in violation with their contract with the XXXX XXXX XXXX and Equifax INC. is committing tax fraud with the IRS.
Product: Debt collection

On or about XX/XX/, I attempted to reach Wells Fargo Practice Finance regarding a lien placed on my property. I wanted to discuss possibly negotiating a payment amount with someone representing the bank. I also reached out to the lawyer who placed the lien. The attorney 's office noted that because the lien was placed over 9 years ago, that Well 's Fargo had to look into the paperwork. Over last 5 weeks, it has been brought to my attention that Wells Fargo Practice Finance ( WFPF ) sold the debt to XXXX XXXX and that company has since been taken over by XXXX XXXX. WFPF says that they recalled the debt from XXXX XXXX, XXXX XXXX is not familiar with having the debt. I am trying to make arrangements to satisfy the debt, however WFPF has been avoiding calls from me and is not assisting with my attempt to resolve this situation. It is unclear if they currently own the debt as we were told that they never received the paperwork after recalling the debt from XXXX XXXX
Product: Checking or savings account

Opened an account with capital one but they are claiming that checks got returned so they froze the money i did have in there and closed my account n access i neef to pay bills and the checks the tslk about i didnt do them..