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

We found an add on XXXX via a mutual friend. We made a deposit of {$900.00} for a landscaping trailer and were going to purchase for {$3500.00} total. I sent a wire transfer of {$2600.00} through Truist Bank and we arent having any lunch with help from them! We realized it was a scam when the friend whose XXXX it was posted on reached out and told us her page was indeed hacked!
Product: Credit reporting, credit repair services, or other personal consumer reports

HIS IS NOT A DUPLICATE COMPLIANT but resubmission, PLEASE SEND TOTAL AMOUNT PAID BY THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HOME ADDRESS : XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX WE ARE AWARE OF THE XXXX XXXX XXXX, WHOM YOUR FRIM CLOSELY WORKS WITH DUE TO YOUR CLOSE RELATIONSHIPS. HE DID RECEIVE PAYMENTS FROM XXXX XXXX  FOR THE PURPOSE OF SECURING YOUR FIRM TO ATTEMPT TO STEAL THE PROPERTY FOR THE PURPOSE OF COVERING UP THE EXCESSIVE FRAUDLENT LOANS. THIS HOUSE DID NOT RECEIVE A LOAN, WE WERE NOTIFIED BY A FEDERAL AUTHORITY REGARD ID THEFT AND FRAUD. PLEASE PROVIDE THE CORRECT AMOUNT IN ORDER TO CROSS REFERENCE THE AMOUNT PROVIDED TO US VIA PHONE. THERE IS NO BALANCE ON THIS HOME AND OUR MONEY WAS STOLEN, NO DOCUMENTS SIGNED, AS STATED, SUPPORTED DOCUMENTATION CAME FROM YOUR MORTGAGE COMPANY, YOUR CLIENT HAS ENGAGED IN EXCESSIVE CRIMINAL ACTIVITY AND APPEARS TO SERVE AS AN ACCESSORY TO MORTGAGE FRAUD, TITLE AND DEED THEFT, WHICH WAS ALL FRAUDULENT, FROM ORIGINATION ( FRAUD ). WE KNOW HOW MUCH MONEY WAS DISPERSED AMOUNT MANY OF YOU! O/T TRY TO MANIPULATE THE NUMBERS AS THE INFOMRATION IS FROM YOUR CLIENT! THESE ARE JUST A FEW CRIMINAL ACTIVITIES YOUR COMPANY HAS ENGAGED IN. LASTLY, WE CAN CARE LESS REGARDING YOUR FIRM REPRESENTING XXXX XXXX XXXX, XXXX, XXXX OR WHOEVER, WE DO EXPECT OUR REQUEST TO BE COMPLETED IMMEDIATELY AS WE CONTINOUSLY STATE WE ARE HOLDING THE TRUTH IN SEVERAL PLACES, NO RETAILIATION WILL BE TOLERATED. REMEMBER, YOUR CLIENT TRIED THAT APPROACH, BUT GOD DID NOT LET IT TAKE PLACE! 

addendum, to the resubmission 1. ATTACHED MERS REPORTS ATTACHED TO OWN NAMES AS IF WE OWNED ALL OF THE LISTED PROPERTIES. IN ADDITION, THESE ARE SUBSIDARIES OF XXXX? 


2, WHO'S MORTGAGE IS THIS. FOUND ADDITIONAL INFORMATION XXXX XXXX, XXXX WAS THE OWBER OF XXXX XXXX XXXX XXXX JUST RECENTLY DIED AND BURIED NEAR THIS HOME????, OMG! NOT COINCIDENCE! 
ATTACHED HOMETRY REPORT AND OBTIUARY/
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit reports online in XX/XX/2024 from all three credit bureaus. There was a XXXX Bankruptcy court item listed on my credit reports. Per the FCRA XXXX ( a ) ( XXXX ) ; " If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. 
With that being said. I filled a dispute to each credit bureau in regards to the bankruptcy public record on my credit reports. Between XX/XX/2024 and XX/XX/2024 the bankruptcy public record was removed from my XXXX credit report. I am requesting that it also be removed from XXXX and XXXX credit reports as well. 
The Bankruptcy XXXX stated that they do not provide any information to credit reporting agencies, nor do they ever validate and or confirm public records. It is the credit reporting agencies, and or third party providers who collect information regarding public cases from public records. Public records information is never validated by the XXXX XXXX system due to the Fair Credit Reporting Agency Privacy Law. My inquiry to the XXXX XXXX XXXXXXXX XXXX XXXX credit bureau has ever validated or verified the public record entries on my credit report, neither will the ever be by them. They further stated while they are not liable or responsible for any misuse or incorrect public records, nor the distribution of said information. Public records may oftentimes be reported by third party sources unaware to the consumer, and in most cases incorrectly. Considering the information indicating a XXXX XXXX XXXX XXXX violation, I am requesting that all bankruptcy information currently showing under my social security number be permanently deleted from my credit report immediately. 
I am also requesting that XXXX and XXXX provide me with copies of all documentation associated with this public record account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, a all the information listed under " XXXXXXXX XXXX  '' needs to be immediately deleted from the credit file under my name and social security number.
Product: Money transfer, virtual currency, or money service

" Bitcoin Depot '' ( BD ) has no direct relationship or affiliation with " Bitcoin '' - the decentralized virtual currency itself. " Bitcoin Depot '' ( BD ) is a third party company which has numerous ATM locations throughout the country. They simply use the name " Bitcoin '' within their own company name. 

BD pays rent to various shop owners in order to place their machines within that given facility. BT takes the customers cash and separately buys bitcoin and sells it to the customer ( highly overprice & without any disclosures ). The location of these BD ATM 's can be seen via there Bitcoin Depot App free for anyone to download. 

I recently used one of the physical ATM locations to convert cash into bitcoin. While using their machine, the machine notifies you that there is a {$3.00} flat fee ( see attached receipt # 1 ) for the use of their machines.

However, upon completion of the transaction, you realize that they took 28 % of your cash as a markup for the use of their services ( check " withdrawal '' on attached receipt # 1. This was calculated by converting XXXX XXXX to current actual XXXX market price on XX/XX/2023 XXXXXXXX XXXX = XXXX ). ( Check image # 1 for actual bitcoin market price on XX/XX/2023 XXXX AM ) Nowhere on any screen or terms of use is the " 28 % '' fee disclosed. 

In the upper right hand part of the screen, a spot price is displayed, which, at the time of purchase was significantly higher [ XXXX USD ] than what the actual market price was [ XXXX ] ( see attached image # 2 from National Market Price online ) ( see attached R

eceipt # 2 " Price '' from BD ). I called the company in regards to the transaction, and th
ey stated that while the 28 % fee is not disclosed, it is calculated in their spot price on the top right of the machine where it says " 1 XXXX XXXX USD ''. 

Again, no where is it disclosed that the market price listed on their machine is not the actual XXXX  market price.

Now that the funds have settled in my account, I am missing 28 % of my deposit funds. 

This is not an isolated incident as multiple reports of BD can be found online ( with simple google search ) defrauding hundreds of customers per day - and taking almost half of their funds without any disclosures.
Product: Debt collection

I was the victim of identity theft from XX/XX/XXXX-XX/XX/XXXX. As a part of the identity theft, private student loans were obtained. The company representing the loans is XXXX XXXX XXXX XXXX XXXX. The private student loans were opened up in XX/XX/XXXX. I was made aware of the fraud in XX/XX/XXXXand filed a police report with the XXXX XXXX XXXX XXXX in XXXX, Georgia. I signed all the appropriate affidavits..some multiple times. I received a call in XX/XX/XXXX from XXXX and told the gentleman my story, he admitted some notes were there noted fraud and he would open a dispute. The next time I heard from them was XX/XX/XXXX, when the Sheriff came to my door with papers for a Judgement Claim from XXXX! First off, the loans are FRAUD, and they know it! Secondly, if they were mine it is past the Ga Statue of Limitations to file such a suit. I hope you can help me because this is making me physically stressed and Im currently a high-risk XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

There are errors on my credit report that I believe conflict with 15 USC 16c-2, and they are affecting my creditworthiness. The hard inquiries reflected were not approved by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity theft Affidavit. Please delete these items as soon as possible.
Product: Debt collection

My credit report currently shows account # XXXX from Phoenix Financial Serv for the amount of {$1800.00}. I had Veterans insurance at the time of service. The insurance should have been billed correctly so payment can be made instead of damaging my credit. Why damage my credit when you can go directly to the insurance on file for payment? If payment is delayed my personal credit shouldn't be damaged because the VA takes a long time to process payment. Bill insurance and remove from my credit immediately!
Product: Money transfer, virtual currency, or money service

I am filling 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 tal timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 anc financial loss, and I seek appropriate redre for these violations.
Product: Debt collection

I am trying to refinance my house and they said I owe XXXX to Midland funding, I don't know who Midland funding is and I don't owe them anything. I have checked my credit report and my credit is good and nothing from Midland funding on it. I have in the past been a victim of identity theft and fraud. I have numerous of credit cards and also can get anything I want with my good credit. I want this matter resolved because it is messing with me trying to refinance my home. This has never happened to me before. I don't owe this debt, thanks in advance.
Product: Credit card

Refund not completed by Klarna for my return of XXXX product ( dresses ) to XXXX. 

Both dresses were purchased on XXXX XXXX in one XXXX order XXXX. Total order was {$270.00}. One dress was {$130.00} and the second dress was {$120.00}. + tax {$15.00}. 
Klarna recorded this order as two purchases from XXXX on XXXX XX/XX/year> : First purchase {$140.00} second purchase {$120.00} XXXX returned the first dress to XXXX in XXXX on XXXX XXXX and was refunded {$140.00} back to my Klarna XXXX ending in XXXX. Klarna refunded me {$140.00} in the XXXX statement. Then they added {$17.00} back as a charge. I attached the receipt from XXXX for the full refund of {$140.00}. sent the receipt proof to Klarna. 

I returned the second dress via returned XXXX label provided by XXXX tracking XXXX. XXXX received the package on XXXX XXXX and confirmed return on XXXX XXXX. Klarna sent me email confirming the return of {$120.00}. Then they showed that they added a {$17.00} charge back on. However, this {$120.00} was never added back on the Klarna visa ending in XXXX I chatted with Klarna Customer Service several times and attached all records and sent them to Klarna for investigation. Their response was that they refunded, There are no records of the refund. Today, my Klarna account shows the following : Note the {$120.00} is still pending and the {$17.00} that was added back to the {$140.00} still shows,. Attached are the records that I sent to Klarna and I am attaching here. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Capital One Account # : XXXX I was never late 30,60, or 90 days late in the month of XX/XX/2017. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , INC ) due to inadequate customer Iservice and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for theses violations
Product: Credit card or prepaid card

XXXX sent my account to collections. After failing to reach a live agent with them, I reached out to the new creditor, XXXX. I was told that in order to get XXXX removed from my account Id have to pay them ( XXXX ). Since XXXX was the newest debt between the XXXX, I decided to pay XXXX and disputed XXXX. Now XXXX has been removed from my all my credit reports and XXXX is still showing as a delinquent account even though I attempted to pay through them.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I woke up to find that money was moved between my checking and savings account on my Wells Fargo account. The fraudster attempted to transfer all money to XXXX account and XXXX it to themselves. The first attempt was a XXXX transfer to a new recipient, " XXXX XXXX '', that was not added on my behalf in the amount of {$3500.00}. It was unsuccessful. The second attempt was also a XXXX transfer to a new recipient, " XXXX XXXX '', that was not added on my behalf in the amount of {$3500.00} and was successful. This occurred around XXXX according to transaction and email timestamps. As soon as I woke up and saw this activity on my account, I called Wells Fargo customer service. The representative closed my account and transferred to a new account so that no further activity would happen on those accounts and I changed my username and password. Because it was a Saturday, the representative told me to call back Monday to be transferred to the Online Fraud department which is only open on weekdays. When I called them on Monday, the representative asked me questions that would help with the investigation and that it would take 10 business days. I assured them that I did not make nor authorize these transactions. I then received a letter in the mail on XX/XX/XXXX stating that my investigation was closed and they did not find any evidence of fraud. I called on XXXX to dispute the investigation and I was told that once an investigation is closed, it's closed and I can not dispute. I don't understand how they can not offer me the opportunity to dispute when it very clearly was an unauthorized transaction! I also don't understand how they couldn't stop the transaction from going through when it still showed as pending in my account when I called on XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Inaccurate Address : XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 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
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX
Product: Debt collection

XXXX of XXXX, NC has compromised my medical information by selling the debt without my authorization and consent. XXXX  of XXXX, NC also sent a signed copy of my consent to release my medical information to health care providers only to the to a debt collector ( KLS ) in which is a serious HIPPA violation, this medical debt that is under {$500.00} is reporting to all three credit bureaus without my consent, XXXX  of XXXX NC sold my medical information to KLS Finance service XXXX, NC. They had no right under the HIPPA law to disclose any of my medical history including bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have in my credit a 30 day late in XX/XX/2019 XXXX ACCOUNT # XXXX already dispute and nothing happen.The information is incorrect .Im not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted various complaints regarding XXXX XXXX an erroneous item on my consumer report. I would like to point out a few violations that both XXXX  and EQUIFAX and XXXX  has violated. First after disputing the alleged debt documents was received that show that my personal identifying information was shared with third parties which is identity theft per 12 CFR 1022.3h as written consent was not given to none of the aforementioned Corporations. In addition as mentioned before the debt collector violation 15 USC 1692c ( a ) when they communicated with the consumer with consent. However to close this out and to point out the violations of Equifax and XXXX  they are as follows. 

Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from your credit report. 

Per the FCRA 15 USC 1681b ( a ) ( 2 ) - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This is my written instructions to remove the erroneous XXXX  XXXX  account from the credit report and credit file.
Product: Credit reporting or other personal consumer reports

Equifax refuse to delete XXXX XXXX  from my credit report .The house was sold because of my divorce in XX/XX/XXXX. The XXXX county records of deeds reflect this sale. XXXX has been reporting the account to Equifax and has a negative payment history and the house belongs to XXXX XXXX XXXX This has impacted my credit rating and my score. I filed a dispute last year and Equifax is the only credit bureau who refuses to remove the mortgage. So I filed another dispute XX/XX/XXXX and its still on my credit reporting inaccurate information.
Product: Debt collection

I noticed a collection from Focus MGMT on my annual credit report. It included a charge of {$82.00} from XXXX with an opened dated of XX/XX/XXXX. I immediately called and spoke in detail with Focus MGMT about the invalid account claims for services never rendered. I explained in detail as to how XXXX was unable to bill me for services due to the fact I had n't resided at XXXX XXXX XXXX XXXX XXXX, TN XXXX since XX/XX/XXXX. XXXX indicated services was rendered in XX/XX/XXXX long after I relocated. I preceded to ask for a signed receipt for services rendered in XXXX. I was advised that the account would be referred back to the originally customer ( XXXX ) as an deputed account. I had yet to receive documentation from either parties. Three months later, Focus MGMT just reported account on XXXX with the same information. My question is why I was n't notified previous to the collections being placed for collection? I shared my current address with Focus MGMT when I requested for a signed document containing a verifiable submission of services received ( since I know they do n't exist ). I would like to think this company is n't trying to destroy my credit by not giving notice and placing bogus accounts on my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I XXXX XXXX the consumer, sent XXXX, EQUIFAX, and XXXX ( The CRAs ) certified mail informing them that Im a victim of identity theft. In that correspondence I made notice that the CRAs have 4 days upon receipt to block all information inside my identity theft report ; pursuant to 15 USC 1681c-2 ( see attached file ). The CRAs are in violation of 15 USC 1681 for failing their grave responsibility of reporting with fairness, accuracy, impartiality, and violating my right to privacy. All of the items inside my identity theft report are unauthorized, unvalidated, And being fictitiously reported. As stated, I am a victim of identity theft and will not be sending any non public information to an elaborate mechanism. I will attach my proof of identity, statement of identity, along with my proof address Via CFPB ( see attached file ). Inside my correspondence I made The CRAs aware of my disapproval of generic responses or E-Oscar. I dont consent to any computer generated responses or correspondence outside of the first person. My FTC report, Proof of Identity, Statement of Identity, Proof of Address, Last 4 of Social, as well as clear specification of the fraudulent accounts, stands as enough identification to prevent stalling tactics and non compliance. This is an Urgent Matter ; the false misleading reporting is hurting my ability to obtain credit. ( For this complaint The CRAs or the Credit Reporting Agencies XXXX XXXX EQUIFAX XXXX & XXXX XXXX
Product: Student loan

I made a scheduled payment to Navient on XX/XX/19. My payment was not late and it was made in full. 

On Tuesday, XX/XX/19, Navient proceeded to call my place of work. I work in a restaurant, and the owner of the restaurant answered the phone. He was unhappy that I had received a personal call on the restaurants phone line. I was also in the middle of a busy lunch shift and did not have time to talk to a representative on the phone ( about a payment that had already been submitted ). 

My manager later informed me of this phone call from Navient. I called my account manager to make sure that I had indeed submitted this payment, and she said that I should absolutely have not received this phone call. 

I do not appreciate being harassed at my place of work for a payment that had already been made. I also did not wish for my coworkers and restaurant owner to be aware of my crippling debt.