23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I received no information and more contact from these collection companies XXXX XXXX XXXX Account number XXXX Account type Collection Historical info Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX info Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Account info Account nameLXXXX XXXXXXXX XXXX  XXXX Account XXXX Account typeCollection Orignal Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account nameXXXX XXXXXXXX XXXX  XXXX Account XXXX Account typeCollection Orignal Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Account XXXX Account typeDebt Buyer XXXX XXXX XXXX XXXX  ( XXXX ) XXXX Address po box XXXX XXXX, SC XXXX XXXX XXXX XXXX KS Account : XXXX XXXX  XXXX XXXX, KS XXXX Phone XXXX XXXX XXXX XXXX ( XXXX ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
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 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 restitution for these violations.
Product: Checking or savings account

My account is closed because of the fees XXXX Navy FederaXXXX
Product: Credit card or prepaid card

A payment was forwarded electronically to Synchrony Bank for my XXXX/XXXX credit card. Synchrony sent an email stating that the payment is being canceled because the balance is {$0.00}. Incorrect. The balance is {$1200.00}. I put in a dispute because there is a pending charge of approximately {$2200.00} on the account which is wrong. This amount was initially for a mattress set and furniture. XXXX informed me that due to COVID they were not sure when the furniture would arrive. I canceled the order for the furniture only, and am making on time payments for the mattress set, which is included in the balance due amount of {$1200.00}. I contacted Synchrony ( XX/XX/XXXX ) and was told that I could not make payments on the account due to a dispute. The dispute has nothing to do with the balance currently owed. The rep said I could not make online payments nor could they take a phone payment. I called again on XX/XX/XXXX and explained the issue with another CSR, was placed on hold and eventually the call was cut off. I called what I thought was Synchrony headquarters on XX/XX/XXXX to no avail. I have not missed a payment with Synchrony and have a concern that when the dispute is settled, my account might reflect past due payments ( due to Synchrony not accepting payments ), will have accumulated interest, and could negatively impact my credit report, which has an Excellent rating. I forwarded another electronic payment on XX/XX/XXXX and received the same message : the payment is being canceled because there is a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name including bankruptcy. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX {$2600.00} XXXX XXXX  XXXX {$21000.00} XXXX  XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} BANKRUPTCY CHAPTER XXXX - DISMISSED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Re : Formal Complaint Against Truist, XXXX, and XXXX Dear CFPB Dispute Resolution Team, I am writing to formally request your intervention regarding an unresolved issue with a negative remark on my credit report. Despite my efforts over the past year to address this with Truist and the credit reporting agencies ( XXXX and XXXX ), my complaint has not been acknowledged or properly investigated. 

The negative remark pertains to a vehicle repossession that should have been removed from my credit report, as it is over 7 years old. According to the Fair Credit Reporting Act ( FCRA ), this information should no longer be reported. 

However, Truist, XXXX, and XXXX have failed to comply with this requirement. 
The CFPB should investigate and fine Truist, XXXX, or XXXX if they do not correct my credit report. The CFPB has taken steps to ensure companies follow the law 's requirements, including investigating disputes and not providing disputed information that can not be verified. The FCRA requires consumer reporting companies to investigate when notified of incorrect or incomplete information. However, these companies have not complied with this obligation in my case. 

For your reference, I have included the following documents : - Page XXXX : XXXX XXXX XXXX 's XX/XX/XXXX Complaint to Truist - Page XXXX : XXXX XXXX 's XX/XX/XXXX Complaint to Truist - Page XXXX : Truist XXXX sent on XX/XX/XXXX - Page XXXX : Truist XXXX sent on XX/XX/XXXX - Page XXXX : XXXX Dispute Results Confirmation # XXXX - Page XXXX : SunTrust Notice of Repossession - Page 22 : Identity Verification Documents I urge the CFPB to take action and hold these companies accountable for their failure to comply with the FCRA.

Thank you for your attention to this matter. I look forward to your timely response and resolution of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX/XXXX/XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX-XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Bank account or service

I asked Bank of America for a replacement check on a check that was made out to me and was void because it was after the 120 days. Bank of America has a confusing process to navigate the system and I was on the phone for hours and days being shuffled from XXXX office to another. I was finally assured by XXXX in XXXX that she would send a replacement check. She did not do so and when I followed up on her direct line, she hides behind her voicemail and does not respond. Instead, she referred the matter back to her subordinate who was unable to assist. Bank of America cancelled the original check which I have and then failed to issue a replacement despite repeated assurances to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX XXXX, XXXX and XXXX XXXX, XXXX a collection agency reported a debt to the credit bureaus. This collection agency Commonwealth Financial Systems is not licensed to collect in the the state of Florida. Also, their licensed in PA has been revoked/voided.
Product: Credit reporting, credit repair services, or other personal consumer reports

T
he credit-reporting company Equifax has had knowledge, since late XX/XX/XXXX, that my personal information was likely compromised, and I was not informed until early XX/XX/XXXX. This is also true for over 100 million other Americans. I 've placed, through XXXX, a 90-day fraud alert on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus still have incorrect information on my credit report past the legal 30 days they have to remove false or incorrect information they can not prove. I have never been late on a student loan in my life and there fact that all the good standing loans with the same dates as the derogatory listings that was consolidated in XXXX are still showing on my report is insane to me considering I have disputed this information several times yet due to them having my account mixed with so much false information which makes it unable to b authenticated via internet or phone automated system, and in some cased by their own agents depending on how they pull up my account, the knowledge of the representative or the agents willingness to correctly handle my account. All of my Dept of Edu/XXXX XXXX have been paid on time and consolidated yet since XXXX up to today which is over 7 years they have been knowingly and falsely listing false information on my report. There is no way my loans can be consolidated XXXX and always in good standing from XXXX until that date yet in XXXX I have multiple listings of delinquencies and accounts open in XXXX when all of those loans despite being opened at different times are all handled at the same time when it comes to my consolidation and payment history so how it is that despite it being evident both things can't be true they are still falsely reporting this information and will not provide me with written proof of how this information was verified despite it being contradicting. To make matters worse all the delinquent accounts are showing as still open when all of my loans were consolidated and it's past 7 years and they are still on my report which is also against the law. I have been trying to correct this issue with them since XXXX and they refuse to abide by the law. Back then I did not have time to look up the laws or even know where to look them up. Most of the times laws are abused by those who are in place to enforce them so it doesn't surprise me these agencies are allowed to get away with this. They cause people to have higher interest rates, get denied for business opportunities, not qualify for things they may need, look uncredited worthy all be cause they chose to outsource to foreigners who do not know the American Legal system, can barely understand the account holder or comprehend what the person is stating due to cultural differences. How is that even legal, they have staff who aren't even qualified to manage consumer accounts due to lack of knowledge of American Laws and processes, so these things just stay on a consumers report while these agencies get paid for reporting negatively despite knowing the information is false and the consumer gets screwed for years with no restitution for what has been done to them.
Product: Credit reporting or other personal consumer reports

I contacted the original creditor of the alleged debt for the account NATIONAL CREDIT SYSTEM XXXX and asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. National Credit System is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Remove this account from my credit report immediately. FDCPA and FCRA violations have up to {$1000.00} fee per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX DELAWARE XXXX has violated my privacy rights according to 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wasn't able to get investigation results regarding my dispute for these accounts despite of several letters I sent to the credit bureaus. 
XXXX  Account # : XXXX | XXXX  Account # : XXXX | XXXX  XXXX XXXX  Account # : XXXX | XXXX XXXX Account XXXX : XXXX | XXXX  XXXX  Account # : XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

Poloniex.com seems to be one of the major cryptocurrency exchanges around the world. 

Please check their statement https : XXXX because of their judgemental mistake they are taking 16 % principal of the balance of each btc customer XXXX The supposed reason is that clam market crashed ( clam is another cryptocurrency ). 

Lending btc in the mind of the customers is about lending btc and not about lending any other smaller coin. Nowhere on their site they are mentioning that btc can be used as a margin for any other coin. 

Moreover, it seems that lenders are the easy taget and they are not taking their losses from them, not from their profits nor from the margin accounts. 

Finally their main page they are claiming that the have insurance for such cases. 

IN my case they pirate/stole/got away from my balance XXXX btc which is right now a little above {$2500.00}
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus that show these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :
Product: Credit reporting

Experian has fail to send me my report with results that I have been disputing containing wrong information since XX/XX/2017.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has defrauded me XXXXXXXX XXXX XXXX XXXXXXXX veteran and U.S. citizen over {$460000.00} at my WellsFargo account. I have been trying to file a claim with them since I found out about the fake and discipline act since XX/XX/year> first on the phone with a claim person and she told me to go into the branch which I did with all FBI report my report from USCIS, my report XXXX XXXX transactions, my letter for his wife and other documents. The banker while talking on the phone with the claims department said yes I can get my fund back because I was scammed into believing that I was married to that person that I was sending goods too. He/They also said he was going to send me all of my bank statements that I told him dated back to all of the Wells Fargo Bank charges . Next he/they said I needed to find them date them and write down the amounts and then call the claims department back again. Yesterday XXXX XXXX I called Wells Fargo claims department on times and the pretended to take my claim but hung up on me instead. The last call I was successfully with getting the claims representative to actually take my claim and give me a claim number Well Fargo claim XXXX. Today XXXX XXXX not allowed to give out last name or any other ID info ) from Wells Fargo called me from claims department XXXX and said that my claim was denied and my debit cards are all canceled for 12 months. Because basically the marriage fraud was all my fault. That thXXXX XXXX XXXX XXXXXXXX fooled me, my son and my entire family into believing was real for 8 years. 

XXXX lied to the US Embassy in XXXX XXXX as well as to me that he was not married and that he had a son. Well on XX/XX/year> XXXXXXXX XXXX his wife called me from his phone and told me that XXXX  and her were married and had XXXX children under the age of XXXX XXXX XXXX. She also said that he does not have a son name XXXX XXXX that he listed on his XXXXXXXX XXXX  application and his XXXX paperwork. She also sent me pictures of her and XXXX  and said that all of the money that I had been send to him for his fake son XXXX XXXX was being used for the birthing of their XXXX children, their living expenses, and their children school fees. 
She went even further to tell me that this was the reason why he did not have XXXX with me after our court wedding because it would have made their XXXX marriage voided. 
Yes, all of this information was extremely hurtful and XXXX never denied any of it I stead he stop calling convince the me and told the mutual friends we shared in XXXX that he wanted us to break up without any explanation. 
On XX/XX/XXXX, I sent the US Embassy in XXXX XXXX as letter informing them of the new and that I wanted to withdrawal the XXXXXXXX XXXX  immediately.I also filed an FBI, U.S. citizen that the marriage is legitimate. Please help me get my money back from Wells Fargo Please. They have not even looked at any evidence they just denied the claim and blame me and punished me instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

I was a victim of identity theft and noticed a collection from PROFESSIONAL DEBT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PROFESSIONAL DEBT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Debt collection

I advised this debt had been paid with the orginal utility company ( XXXX ) and I did not owe it and to stop calling me at my work cell phone number. 
They continued to try and collect and continued calls.
Product: Debt collection

I paid my debt for a lower agreed upon amount using their smart negotiating tool online which allowed a lower payment if paid in one lump sum. They continue to report that I still owe {$43.00} which is the amount that was reduced since I paid as 1 lump sum.
Product: Mortgage

I applied for assistance in saving my home with Nationstar Mortgage. Nationstar is now evading/refusing to review my loan for assistance stating that I needed to correct what I wrote on my application for my retirement income. I also hired an attorney to help me with the process and my attorney states Nationstar can not evade reviewing me for assistance over one number written on my application that is {$30.00} off from the actual income I receive. My attorney has submitted everything they need to review me for assistance and then called Nationstar and Nationstar is demanding I fill out another entirely new RMA and correct one number I estimated on the original application and was off by {$30.00}.