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

I deposited some bitcoin with ABRA and I am unable to withdraw it the current amount in my account is XXXX bitcoin, they have also disable access to my account and are no longer responding to help requests
Product: Credit card

On XX/XX/2023 my credit card was charged {$120.00} for my normal XXXX XXXX for the month of XXXX. 

A few days later I got a extra charge on XX/XX/2023 for {$160.00} charged by XXXX. 

Another few days later I received another charge on XX/XX/2023 for {$160.00} charged by XXXX. 

I contacted XXXX and the agent I talked to did not see the charge on my account and told me to contact my credit card company ( Apple Credit ). 

I disputed the charges with Apple Card for {$160.00} and {$160.00} and sent copies of my XXXX bill as proof that these were fraudulent/erroneous charges and the dispute was rejected. 

My bills for XXXX around this time frame were the following which shows up on my credit card which are accurate. 

XXXX bill for {$100.00} paid on XX/XX/2023. 
XXXX bill for {$120.00} paid on XX/XX/2023. 
XXXX bill for {$130.00} paid on XX/XX/2023.
Product: Debt collection

On XXXX XXXX I was notified that synchrony was trying to collect an alleged debt.Shortly after I reviewed my credit report and had seen there was a charge off/written off account of {$4600.00} on my credit report ( to which I wasn't made aware of prior nor gave consent to furnish ) XXXX XXXX XXXX I sent out a dispute letter via certified mail to all three reporting agencies ( XXXX, XXXX XXXX and XXXX ) regarding XXXX debt that they were claiming I owed. ( this alleged account has also been constantly reporting charged off every month and is also written off/charged off ) ( There can not be a balance due on a charged off account and when it's been written off for taxes.That is a XXXX tax form ) XXXX went by and I still had not received a response or notification about my dispute letter to each of them.That being said, on XX/XX/2022 I sent out a request for a debt of validation ( pursuant to the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX ) to synchrony 's debt collector ( XXXX XXXX XXXX XXXX XXXX NOT licensed to collect debt in my XXXX XXXX XXXX and also retrieved my consumer report with out my consent or acknowledgement ) XXXX XXXX continued I still had not heard from any XXXX of these businesses so I then sent out more debt of validation letters on XXXX XXXX to the XXXX CEOs of the XXXX credit reporting agencies via email requesting validation and deleting of this account if they could not properly validate this account and to remove any information that is not true, accurate, or compliant with FCRA.XXXX XXXX XXXX XXXX XXXXo XXXX has responded back to me as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i
Product: Debt collection

In XXXX of 2022 I sent a letter to Ad Astra Recovery Service because I noticed a collections account on my credit report that is damaging my score and ability to obtain credit significantly. I reviewed my report and found several discrepancies across all XXXX credit bureaus and submitted XXXX letters to each bureau/party respectively . One initial letter to verify debt and a second letter pointing out all errors which included the account being continuously re-aged, reported as late every month while being charged off, and showing up as a loan reporting late each month while reporting as a collections account at the same time. I have read up on the FCRA and I know that this is NOT legal. Furthermore on one report the account would show late by 30 days before being in collection and another account late by 120 days before being charged off/sent into collections. They were extremely all on different ends of the spectrum. I also contacted Ad astra recovery and asked them to produce the original hand signed contract along with a copy of their license to collect debt in TN. I requested this license due to the very unprofessional and unethical way they have conducted business and continue to handle this situation. I asked for these documents to which they have not produced and continue to send me a obviously automated response. I sent them a letter last week and received the same automated letter that I will attach if allowed. In my last letter I stated that if they did/could not produce this evidence, along with a copy of their license in compliance with the FCRA then to remove this account off my credit report with all 3 bureaus. They have continued to ignore my request therefore in my latest letter I notified them that if this lack of communication continued I would be contacting the CFPB.
Product: Vehicle loan or lease

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments as reported on my 3 Credit Bureaus. As you can see, I have always had a terrific payment record with this company. Investigate and update the current status to reflect accurately.
Product: Debt collection

I sent a letter via certified mail to BERLIN WHEELER INC on XX/XX/2024 asking them to provide complete validation and proof of the debt with documentation and they did not reply. This is now over 30 days ago.
Product: Debt collection

Cadlerock joint ventures is saying I owe wrong amount and interest is more than my house is worth. Want this removed on my mortgage title on my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recall I had no lates on this account and now I am seeing 2 thirty day lates.
Product: Checking or savings account

I sent money to the wrong person and it was gone I couldnt get it back
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ).
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections Deemed Fraudulent - XXXX XXXXXXXX XXXX XXXX Only Reporting on EXPERIAN-NCAC, I have asked on several occasions to Delete the fraudulent account from my current credit report since it is severly impacting my credit score.
Product: Credit card or prepaid card

Citibank blocked my credit card have had since XX/XX/XXXX until I answered questions. I spoke to a representative on XX/XX/XXXX, named XXXX via XXXX. The questioned I had to answer before my credit card would be unblocked were extremely alarming. 

Question 1 : What was my full name?

Question 2 : What is my occupation?

Question 3 : Am I employed by the Government or do I hold a political, diplomatic or governmental office?

Question 4 : Do I have a relationship with or someone who is associated with someone in a political ( e.g., held political office ) or diplomatic office or government position?

These question were bizarre to me. When asked the reason for these questions XXXX said Citibank was at the forefront of implementing new banking requirements. These questions were to protect me and Citibank. I pointed out no other credit card company I have credit with has asked me these questions and certainly not as a condition of being able to use their credit card. XXXX repeated Citibank was at the forefront of implementing new banking requirements. 

What bearing do these questions have on my credit worthiness? If my answers to questions 3 and 4 were yes, would that be a negative and thus affect my ability to use a credit card issued by Citibank or would that be a positive and mean Citibank would offer me a gift or something special?

Why are these questions being asked in order to have credit with Citibank and how are they  going to use this information. Further, how do they know the answers provided were even correct?
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY ... 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 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 has violated my rights also my name on the credit report is incorrect  15 U.S.C 1681c (a)(5) 15 U.S.C 1681s-2(a)(1)
Product: Credit card

On XX/XX/2025, I received two letters from Bank of America stating that my credit cards ending in XXXX and XXXX had been locked due to a pending identity verification. I was informed that I needed to submit income and identity documents within XXXX calendar days, or the accounts would be permanently closed. 

In full compliance, I promptly prepared and mailed all required documents, including my pay stub, drivers license, Social Security card, passport, bank statement, and tax return. These materials were sent to the address provided by Bank of America via XXXX with tracking number XXXX, which confirms that the package arrived at the designated XXXX XXXX XXXX on XX/XX/2025 and is available for pickup. 

On XX/XX/2025, I received a third letter from Bank of America ( Case number : XXXX ) acknowledging my request, but it did not confirm receipt of my documents nor provide a resolution. 

Since discovering the lock on my cards, I have contacted customer service more than XXXX times by phone and in person. As of today, I have not received any confirmation or further updates.

This situation has already led to multiple failed payments, including for utility bills and other essential services, putting my credit score and financial well-being at serious risk.

I affirm that all submitted materials were truthful and accurate, and I have made every effort to cooperate. I am now requesting the CFPBs assistance to ensure that my documents are reviewed, my accounts reinstated, and any harm to my credit history mitigated
Product: Credit reporting, credit repair services, or other personal consumer reports

on date XX/XX/XXXX I request Experian, one of the major credit report agency in USA, a free copy of my last year credit report or for the year ending in XX/XX/XXXX. I am full of adverse surprise due to the following entries, on said report from Experian, on the heading of this report I was included of having eleven names, eleven addresses, and five other records including 28 accounts and six hard inquiries. among the names that Experian has ascribes to me is XXXX XXXX  XXXX. I want to remind this company that in the beginning of year XX/XX/XXXX when I just moved to the Citi of XXXX XXXX from XXXX, NY. Experian published an adverse report against me, I reject that wrong report, few months latter I receipt a letter with a simple apologize from the company but I lost monies, the interest rate on my deb went up due to this adverse report. Now one more time Experian published an adverse and inaccurate credit report against me this time with the possible complicity of XXXX XXXX Bank  and some of its subsidiaries, on the recently credit report against me XXXX XXXX bank   disclose as its name XXXX XXXX and it has been omitted XXXX XXXX XXXX XXXX XXXX the institution responsible of the custody of my interest deposited at the XXXX branch this bank is doing impossible moving in order to evade its responsibility on my case, the bank has transferred most of the potential witness, it has make a lot of document update, post date letter, on XX/XX/XXXX or XXXX of XXXX made new partnership with one of the company the bank said paid my money and this credit report which look at my the bank is trying to avoid that I refinance my home or take equity loan on my home that I have paid during sixteen consecutive years, never have skip a payment never late, even those XXXX XXXX bank has vulnerate my account which has impede me to pay off my loan mortgage and to continue my small business activities I an ready to continue working at my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove fraudulent accounts and inquiries on my report. I filed a complaint with the XXXX and they claim the information was " verified ''. Please assist.
Product: Debt collection

15 USC 168.1b Capital one  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not say that the credit bureau 's need to have written instructions to add accounts on my credit report such as XXXX, XXXX and XXXX XXXX I would like for them all to be removed as soon as possible.
Product: Credit card

I open up a Care Credit card I'm XXXX XXXX From the beginning that I got the card they began charging interest in the card. Which was a promotion not to charge interest for several months. I also noticed that I have been making payments on this card from the beginning. As of XXXX I only have a balance of {$160.00}. I have made payments in the amount of {$120.00} since XXXX XXXX XXXX. My credit is nor increasing when I make my payments. I feel that they are scamming people
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. 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. 
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 XXXXXXXX
Product: Checking or savings account

I deposited a cbeck through the Wells Fargo atm on XXXX at which time I was alerted the funds would be available on XXXX. On XXXX I saw the check was posted but Wells Fargo did not post the funds to my account- over the course of XXXX to XXXX days ( XXXX ) Wells Fargo repeatedly lied to me as to why the funds were being withheld- even claiming possible fraud on the check writers part and to call her bank- her bank said there was no problem on her account and on XXXX XXXX XXXX told her that Wells Fargo had the funds from her account as of XXXX XXXX so Wells Fargo got the funds from the check the day after I deposited the check but claimed they did not, sending me a letter stating suspicious activity or the like as the reason for withholding the funds although the check showed posted. Wells Fargo maintained the stance of not yet having the funds so the lady who issued the check went back to the bank to get me a cashier check and thats when she found out Wells Fargo already had the funds from her bank but just didnt release the funds to my account. This whole time- Wells Fargo kept maintaining that the check had not been funded - there was a legitimate hold and they were not going to have the funds until XX/XX/24 Wells Fargo is no stranger to fraudulent and unnecessary withholding of funds ( last class action was last year ) and it seems they are still operating in Bad Faith And unlawfully withheld funds that they already got paid for by the check writers bank. Wells Fargo willfully engaged in this unlawful business practice even though they just lost a class action lawsuit for the very same offense. I would like to persue legal actions against Wells Fargo and I am reporting this repeat violation on their part.
Product: Credit reporting or other personal consumer reports

This is a second complaint being refiled because the original complaint XXXX was never addressed, resolved or even answered. On XX/XX/year> I specifically specified and asked Equifax to place my credit file back online ; not sure if it's intentionally being BLOCK OR SUPPRESSED. Please see attached screen shots, that my credit file is and has been offline for numerous months ; even after repeatedly supplying Equifax with requested documents. AGAIN, In the response to the original complaint mentioned earlier, Equifax did not even address the matter whatsoever. 
This has caused me tremendous stress and hardship for not only myself not rightfully having access to my own credit file ; but any other party who will attempt to retrieve my credit file from Equifax that has lawfully been given permission to view to make decisions for my credit worthiness. 
ALSO AGAIN PLEASE SEE THE CURRENT SCREENSHOTS OF WHAT MY EQUIFAX ONLINE PORTAL LOOKS LIKE AS OF TODAY. 
EQUIFAX NEEDS TO PLACE MY CREDIT FILE BACK ONLINE IMMEDIATELY AND ACCURATELY!
Product: Checking or savings account

My mother had a capital one 360 account. She passed away in XX/XX/XXXX. I started the process of trying to liquidate her account and get it transferred to her estate account in the beginning of XXXX. there have been various back and fourth. of them wanting more or different paper work but I believe the bank had all of the required forms and instruction as of Tuesday a week ago. XX/XX/XXXX. I called and confirmed and they stated that it would take 5-7 days to process. I called today XX/XX/XXXX and they confirmed they had all the right paper work but it would take 40-50 days to process.the manger also refused to let me talk to her boss and stated that he doesn't take calls. XXXX employee number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I havent applied for any credit w/ one main financial, it has caused derogatory impact on my cret
Product: Checking or savings account

This is in addition to the complaint I filed earlier today. 

I requested to cancel my account and I have again been blocked from accessing my online account. They ask to call but I sit on the phone for well over an hour. Once again I have no access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I received an email that Experian was investigating a dispute & on XX/XX/2023 its was complete no change. Upon calling the company I disputed they informed me there was no correspondence with Experian! 

15 U.S. code 1681 ( e ) b and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The Fair Credit Reporting Act states that the reporting of my credit has to be 100 % correct
Product: Credit card or prepaid card

I have a CITI VISA which was issued through my XXXX membership. I had always had paper statements sent to me monthly and always paid my bill in full on time. My wife and I have credit scores in the 800 's. 

CITI unilaterally changed my billing statements to electronic statements and cancelled my paper statements. My wife and I do not use any electronic statements or payment options with any account that we have. 

As a result of this change initiated by CITI we did not receive our statements for 2 months and did not make any payments during that time period. If we did receive anything electronically from XXXX we would have assumed it was spam or it went into our spam filter. 

We have demanded that CITI put our account back to paper statements and send us the past 2 months paper statements. And, we have requested that they cancel any late charges and finance charges since we always have paid our bill in full in a timely manner. We have not yet received the paper statements but CITI is asking us to pay the past due balances without any statements.