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

Hello, Around XX/XX/year> I realized over 30 of my XXXX XXXX  were missing on my crypto.com/XXXX  wallet. The XXXX XXXX  was upgraded and there was no communications, instructions, or any type of warning to make adjustments with our XXXXXXXX XXXX. I've spoke with over 5 different customer service reps and they have absolutely not been able to give me any answers accept that they will inform me in 45 days. I immediately let them know that that's theft and not acceptable. Crypto.com customer agent said they don't deal with XXXX XXXX which is a lie because the XXXX XXXX  is the only wallet connect for them. The XXXX want explain where my stuff went or how to even recover it. There trying to Refund me and put there on Price on some I know is now priceless. They are trying to stealing from me and think I will quit. I've had issues before that I had to file multiple complaints.
Product: Debt collection

On XXXX/XXXX/2016 I contacted them XXXX XXXX XXXX XXXX XXXX to pay a debt owing on my credit report. I paid the debt in full and requested an email stating the debt had been paid in full. I explained that I was in the process of getting a mortgage and needed to do a rapid rescore with the credit. I have only worked with XXXX at ext. XXXX. She first stated that I would have to call back at XXXX XXXX the following day to get her to send email but that it would not be an issue. I called her back XXXX at XXXX she stated that she would send it out that it was right in front of her. I did not receive the email. I called her 8 times on XXXX each time she stated that they she spoke to her VP and he had to send the email but she would remind him. I do n't understand why I have been treated this way. I have a hard deadline to make to ensure financing for my new home. Called again at XXXX XXXX spoke to a XXXX XXXX. He stated that they could n't send out the email because of their law department and VP could n't get their system up and running. I paid my debt, it cleared my account but I ca n't get a email or fax showing that I paid my debt in full is criminal, Have been lied too twice about getting it done first yesterday XXXX and again today XXXX/XXXX/2016
Product: Debt collection

I am making a complaint against Spring Oaks Capitol LLC, I am not aware of this debt of XXXX, I did receive any written notification of this debt before it was placed on, my credit report, this is a violation of my federal rights, please provided the certified return receipt with my signature, look forward to resolving this matter immediately.This is the reference number from XXXX XXXX XXXX XXXX  XXXX showing that my information was impacted.
Product: Mortgage

AAG is actively engaging my husband, XXXX, to enter into an reverse mortgage with the company. I have informed AAG that I ( co owner of house ) have not knowingly applied for a loan with them and that my husband is ill and unfit to enter into any business relationship. XXXX agreed to purge our information from their data base. However, that was not executed and they are actively pursuing a loan with XXXX.
Product: Credit reporting or other personal consumer reports

This closed collection does not show the amount owed, balance or any payment history .experian told me that that information did not have to be correct I have ask them several times to remove it from my report if because it's factually inaccurate
Product: Credit reporting or other personal consumer reports

Im submitting to credit Bureaus today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/delete any items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I canceled my Citi Bank Credit Card ending in number XXXX a few weeks prior to XX/XX/XXXX and was reassured this card was deactivated and I received the replacement card 2 weeks prior to XXXX XXXX transaction in the amount of {$1400.00} being authorized for payment by the corporation. The Citi Bank Representative asked prior to the cancelation of the card number ending in XXXX if the charge of {$74.00} from XXXX was legitimate, and I agreed to the {$74.00} which was the only pending transaction at the time. Furthermore, I had already received my new card ending in XXXX two weeks prior to the transaction posting, and to my surprise the transaction of {$1400.00} was approved! I feel as though someone at the bank failed to cancel the card ending in XXXX. The only authorized transaction that I agreed to, that was legitimate was {$74.00}. My authorized user XXXX XXXX was aware of the card being canceled, and he reassured me he paid XXXX the bill in cash. He stated that the cash receipt was misplaced and was not expecting XXXX to put the transaction through. The only amount that I thought, and agreed to being transferred over to my new card number ending in XXXX was {$74.00}, and not XXXX. Furthermore, that total quite obviously exceeds my credit limit so I would never have authorize it. Lastly, this is the reason that I do not have a receipt at hand. 
P.S. this over the limit credit charge has affected my credit score, so please have the derogatory remark removed immediately. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

Payments made and taken accordingly from my account are first displayed on my transaction history and are representative of a low balance ; after reaching a low balance of approx XXXX or less transactions cease clear representation on transaction history, dates are misrepresented and transaction history is not in order, all transactions leading to low balance ( that made the low balance to begin with ) are titled pending and all are taken out of my account to produce an overdraft and additional debt which is taken out of the next direct deposit. 

Also, claims for fraud are handled poorly, a temporary payment is made instead of insurance to bring balance to current, money is taken back at a later date that is unpronounced and unexpected leaving me with a low balance and inevitable overdraft payments to produce a debt to pay off when pending payments are processed at the point of low balance. I was told payment processing is taken out Tuesday and Saturday ( however it seems as if their taken out just as I try to make a deposit to keep balance stable )
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information to apply for a Barclays credit card. I called Barclays and gave them my info and they told me no record was found. But according to my XXXX credit report there was an hard inquiry placed XX/XX/XXXX from Barclays Bank. I for fact did not apply for any type of credit around or before or after especially from Barclays company. Then a week or so later I get a piece of mail stating that  there was a hard inquiry placed but no further proof showing I applied.
Product: Credit reporting or other personal consumer reports

This accounts were charged off on the following date : XX/XX/2022, XX/XX/2022 Since then the date of last activity has been inconsistently updated to all XXXX credit reporting agencies XXXX, XXXX, and Experian If the dates are coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate, therefore all the accounts are deemed inaccurate. Please delete all accounts from my credit report immediately. The accounts are listed below with all relevant information. 

Account name : XXXX Account # : XXXX XXXX : Date last XXXX XXXX : Date last XXXX Experian : Date last XXXX Account name : XXXX Account # : XXXX XXXX : Date last XXXX XXXX : Date last XXXX Experian : Date last active : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request this time to repair the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/2019, I made a payment to a XXXX vendor through PayPal. It was an established account I had already been paying for years. My credit card was charged but the funds were never transferred. I contacted PayPal. They assured me nothing was wrong, sometimes some payments are placed under administrative review, and that I should feel confident to continue making payments to the account. 

I made a total of six payments over the month, totalling over {$27000.00}. During that time, I contacted PayPal a couple more times. Each time they assured me the payments would be processed and that they didn't see any issues with the account. 

After a month, I stopped sending more payments but continued to contact PayPal. They told me it sometimes takes up to six months for compliance to review a payment. After six months, they asked me to be patient and said there was no timeline for a compliance review. 

I submitted a complaint to the New York Attorney General 's office. PayPal responded by declaring my transactions were flagged as an OFAC violation but they wouldn't give me any information regarding the violation or how to challenge the allegation. 

Recently, I inquired as to the status of the funds. PayPal insisted they had already refunded me the money in the XXXX, XXXX. They even marked my transactions as refunded and informed my vendor that the funds had been refunded. It was all a big lie. The funds were never refunded. 

I requested documentation showing the funds had been returned to me. PayPal refused. I contacted my credit card company ( XXXX XXXX ), who told me any refunds would have appeared on my statements and there are no refunds from PayPal. 

I believe PayPal lied about the OFAC violations. They deceived me into sending additional funds to an account they had already flagged. They lied to me ( and continue to lie ) about the status of the funds. They defamed me by falsely informing my vendor that the funds had been refunded to me. 

This has continued for over two and a half years and they still insist on lying to me about the status of the funds. This is grand larceny. PayPal has stolen from me.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( block, due to inadequate customer service and unfair practices, which violate the customer 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 futuremore their dispute resolution process was unfair deceptive, as if they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I placed an order with XXXX for {$140.00} with my XXXX XXXX account # XXXX on XX/XX/XXXX. Barclay card acquired XXXX card on XX/XX/XXXX and assigned new account number # XXXX to me. I was notified by Barclay that the former XXXX card can not be used for purchase after XX/XX/XXXX but it can be used for process refunds, and credits for refunds will be transferred to new Barclay Master card ending # XXXX. 

This {$140.00} order was a buy online pick up in store order which requires customer to pick up the order within 7 days. I did not pick up order in store within 7 days, the Bloomingdale 's store processed the refund on XX/XX/XXXX for {$140.00} to the same XXXX visa account # XXXX which I used for purchase. 

However, Barclay did not transferred this credit to my new Barclay XXXX account. I called Barclay customer service and dispute department on XX/XX/XXXX, after waited 1 and half hour on phone, the Barclay rep told me I can not dispute this charge until after XX/XX/XXXX since conversion from XXXX to Barclay is expected to complete on XX/XX/XXXX. I requested to speak to a manager, the rep told me a manager will call me back. 

I also contacted the merchant XXXX online customer service, the merchant told me that they had to process the refund to the same credit was it was used for purchase and it is Barclays responsibility to transfer the credit and refunds from XXXX card which they acquired to new Barclay account. 

On XX/XX/XXXX, Barclay manager XXXX called me and told me that he will forward this dispute case of {$140.00} to Barclay Dispute department so I dont need to pay. However, XXXX said Barclay Dispute department will not process it until XX/XX/XXXX when the conversation is complete. XXXX further said once the dispute is processed, Barclay dispute department will forward me the dispute case number and give me a credit to my statement. 

Today is XX/XX/XXXX, I still did not receive this credit of {$140.00} on Barclay XXXX account and Barclay did not contact me to provide any dispute case #. I tried to call again, but its only reached machine and long hold time. I also tried to file dispute online at Barclay website, but Barclay website says this type of dispute doesnt qualify for online filing!!! 

Please review attached email from XXXX confirming they processed refund and my order status on the merchants website indicated the order to total is {$0.00} and I didnt receive the merchandise.
Product: Debt collection

I cancelled XXXX XXXX XXXX internet and got new internet. They charged me for an extra month and sent to collections. Dispute resulted in no action.
Product: Vehicle loan or lease

I XXXX XXXX am filing a complaint against Consumer Portfolio Services , Inc. ( CPS ) regarding a vehicle loan I obtained on XX/XX/XXXX, with a principal amount of {$17000.00} and an annual percentage rate ( APR ) of 23.99 %. According to Florida usury laws, the maximum allowable interest rate for loans up to {$500000.00} is 18 %. I question why I was charged this amount. I not only live in Florida but was presented a contract that intentionally violates my states laws. Ive checked on the business license which is up to date ; however, you are required to operate within the legal guidelines established by Florida law, yet you exceeded this limit. 

1. Florida Statutes Section 687.03 - Unlawful Rates of Interest : This statute states that it is usury and unlawful for any person to charge an interest rate greater than 18 % per annum for any loan up to {$500000.00}. 
2. Florida Statutes Section 687.04 - Penalty for Usury : If a lender charges an interest rate above the legal limit, they must forfeit the entire interest charged, and the borrower can only be required to pay the actual principal sum. 
Additionally, if usurious interest is paid, the lender must forfeit to the borrower double the amount of interest paid The loan was paid off on XX/XX/XXXX. Over the 11 months, my total payments amounted to {$5500.00}. Based on my calculations, a significant portion of these payments was interest, estimated at {$4400.00}. Under Florida law ( Section 687.04 ), I am entitled to double the amount of interest paid, which totals approximately {$8800.00}.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$8900.00} XXXX  XXXX Balance Owed : {$8300.00} US DEPT ED XXXX Balance Owed : {$7200.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$29000.00} US DEPT ED XXXX Balance Owed : {$7600.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$22000.00} US DEPT ED XXXX Balance Owed : {$28000.00}
Product: Credit card or prepaid card

I called TransUnion in XXXX to freeze my credit report, the person on the phone took my credit card number and " helped me out '' putting a freeze my account and then manually purchased a subscription to your service. 

I have been charged every month! I don't need free credit score reports! 

I NEVER ASKED OR REQUESTED THIS SERVICE. 

I know that they need to meet a sales quota but this is shady! 

It has been really hard to get in touch with anyone from Customer Service.
Product: Debt collection

I receive a letter from Northland Group that I owe XXXX {$550.00}. I have never had an acct with this bank.
Product: Vehicle loan or lease

Purchased a vehicle and had it financed to include Gap insurance. The car was totaled in an accident XX/XX/2018 and paid off by my auto insurance. Recently, I found that the finance company was showing a balance of $ XXXX on my credit report. Skopos Financial sold that supposed debt to a XXXXXXXX XXXX XXXX. I have spoken with the claims agent at the insurance company that reports ; '' XXXX XXXX '' is a feature provided by the finance company not the insurance company. In this week I have called SKOPOS a number of times both their corporate number XXXX to receive no answer and their customer service number XXXX to only be disconnected after i entered my ssn. 
When I purchased the Gap insurance - I was led to believe that if anything happened with that vehicle this will fill in the Gap. I have noticed online there are a number of open lawsuits against this company and I hope they are not for fraud.
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. 

Account name : XXXX Account number : XXXX Account name : US Department of EDU, Account number : XXXX Account name : US Department of EDU, Account number : XXXX Account name : XXXX XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX, Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number XXXX XXXX Account name : XXXX XXXX XXXX, Account number : XXXX Account name : XXXX, Account number : XXXX Account name : DEPTEDXXXX, Account number : XXXX Account name : XXXX, Account number : XXXX, has violated my rights. 15 USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. 15 USC 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

XX/XX/XXXX Creditor Name XXXX XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$590.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$590.00} Times 30/60/90 Days Late XXXX Remarks Charged off account Account previously in dispute - Now resolved by data furnisher XXXX XXXX XXXX   XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$200.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late XX/XX/XXXX Remarks Charged off account Account closed by credit grantor Account previously in dispute - Now resolved by data furnishe Last Reported XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Credit Card Account Status Closed Opened DateXX/XX/2017 Closed Date -- Limit {$2600.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$2200.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$22.00} XX/XX/XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/2017 Closed Date XX/XX/XXXX Limit {$2000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$1600.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/2018 Closed Date -- Limit {$4000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$4100.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Creditor Name XXXX XXXX  XXXX XXXX Account Type Credit Card Account Status Open Opened Date XX/XX/2017 Closed Date -- Limit {$300.00} Term -- Monthly Payment {$43.00} Responsibility Individual Account. 
Balance XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$170.00} Remarks -- XXXX XXXX XXXX {$2200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX  XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$2200.00} High Balance {$2200.00} Remarks Consumer disputes this account information Collection account all ftc violations that were filed 45 days ago