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

My name is XXXX XXXX XXXX. I live in XXXX .Just a short summary of the issue. Back in XX/XX/year>, I had held a XXXX {$6900.00} XXXX XXXX  for a certain crypto ( XXXX ) counter in my Gemini Account. As it was reduced to XXXX XXXX {$600.00} and approaching liquidation, I had to top up the account and the only way possible was to transfer monies I had in my Primary Account to the Derivatives Account. I was unable to do so and there was no Maintainence announcement at that point of time. I immediately emailed their support via email. 

As the position was reaching liquidation and reduced to XXXX {$600.00} and there was no response from them, I was forced to clear a portion of my position. Despite my repeated emails there was no response to rectify the position. I clearly had the necessary funds in my Primary Account to keep the position open. Soon the position reached liquidation and immediately after that, the function to make the transfer became available.

I was really upset and wrote to the Mgt asking for an explanation. They admitted there was an " incident impacting certain web pages such as Balances and transfer account facility '. I also questioned them how the function was restored immediately after my position was liquidated. 

After a month of repeated emails they credited an amt of XXXX  {$700.00} into my account but by then the price had appreciated. After another round of complaints they disbursed another amt of XXXX {$2000.00}. But again the price had appreciated. I wrote in again to ask for further compensation but it was flatly denied. 

At today 's current value, my position will be worth XXXX {$700.00} XXXX as I had no intention to sell that position at that point in time I would like to raise up this issue as many consumers may lose huge sums of monies due to administrative errors like these. What was excrutiating was the fact that the function to transfer became immediately available as soon as the position was liquidated which shows a clear indication that something is not right and there is a deliberate attempt to manipulate the system and forcing the liquidation of the position. The exchange has acknowledged it's error regarding the problem and has made a small token to give additional credit which is in no way proportionate to the losses that I have suffered. I have all the emails regarding this matter and would be happy to have them posted to your address as soon as I have a case number. 

I sincerely hope the organisation will protect customers like us regarding this matter and take some action to help us address the issue. I have been corresponding with them to arrange a meeting or handle the matter and as of this date I have yet to receive a reply regarding the matter Regards XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number XXXX XXXX XXXX Original Lender XXXX XXXX XXXX Original Balance {$3500.00} This account is being reported on my credit report as delinquent with a balance this account has been resolved yet it still appears on my credit report erroneously I wan this account removed from my credit report asap
Product: Checking or savings account

In XXXX, my parents purchased a savings certificate for ~ {$1300.00} from XXXX XXXX, which has since been purchased by Wells Fargo. I went to the Wells Fargo branch in XXXXXXXX XXXX XXXXXXXX, PA but they were unable to help me and it was nearing closing time. I contacted customer service who assured me a branch could help and I went to the Wells Fargo branch in XXXX, PA. When I showed the Personal Banker the Savings Certificate, she stated there was nothing that she could do but she would " go through the paces '' anyway. After roughly 30 minutes of being on the phone I was told it was either cashed or there is nothing that can be done. There was no supporting documentation to show it was cashed and the bond states it " Must be surrendered '' upon cashing it in. I then sent an email to to the board on XX/XX/XXXX. I spoke with " XXXX '' several times who asked me to fax a copy of the certificate to him on XX/XX/XXXX. I sent a copy to fax number XXXX referencing the case number he assigned which was XXXX. He finally indicated on XX/XX/XXXX that they could not do anything to help me. I asked for a letter stating they can not help me and indicated that the funds do not just disappear.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been back and fourth with Transunion about a bankruptcy that appears on my credit report that i have no knowledge of. I have asked them to investigate on numerous occasions and their response to me is that they will not investigate my complaint. They have never verified or did a real investigation. I spoke with the bankruptcy court and they stated to me that they never gave permissible purpose to this company to report such inaccurate credit information. 

This bankruptcy has to be removed at once or i will be taking this to court, its ridiculous how bad Transunion operates business.
Product: Checking or savings account

On XX/XX/XXXX I alerted my bank USAA of fraudulent transactions from XXXX and and several accounts opened and money transferred into the new accounts from my savings and checking then these accounts were access via ATM and my money taken to the total {$4200.00} I was told that my money would be back in my account after an investigation. XX/XX/XXXX I called USAA to get and update and was informed that my accounts are being frozen and will be closed in 60 days and that I am being held liable for all the fraudulent transactions. 

I have been with USAA for 26 years. 

They dont have any physical branch I can go into and only talk over the phone. 

They say they are closing my accounts and I am being held liable because back in XX/XX/2022 my account hit with fraudulent activity. 

I need help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$45000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX ProCollect 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 an account without my written instructions. 
I tried to fix this issue with the creditor and the information provided by the creditor is not belong to me, please see the attached file and review all the highlighted information my First name is not XXXX XXXX XXXX is " XXXX ''. 
on the contract agreement paper is not my handwriting, this company has violated my right. 

This is the tracking : XXXX XXXX XXXX XXXX XXXX of the first letter I sent to them to provide proof of the debts that reported on my credit report.
Product: Money transfer, virtual currency, or money service

I attempted to send cash internationally, XXXX refused to process the request saying they were protecting me without any claim by me to Moneygram. They have no right to interfere with my international transfers as long as they are compliant with Federal Laws. I want Moneygram 's Business license to operate terminated as a result of these denials. 

I accept all risk for my transfers.
Product: Credit card

XX/XX/XXXX I received an email from American Express that my credit limit had been reduced from $ XXXX to $ XXXX. The decrease was made to barely above my current balance. The company provided a generic response as to why but with no specifics to my account. The past statements show interest charge amounts that as soon as the company charges their interest fees then the balance will go over the credit limit. It is the company 's way to unfairly get more money out of their customers and stop the use of their credit card while still charging yearly fees. Customers can not close their accounts without credit score being lowered. ALSO, once available credit amount decreases so does credit score. Ultimately, what is happening is THE definition of predatory.
Product: Debt collection

I disputed a collection account with the debt collector and they verified the debt as accurate with the credit bureau. I have tried to contact them directly using the contact information provided on their website and as reported in XXXX XXXX and I can not get a hold of a live representative. The phone numbers listed seem to be valid but they always lead to a voicemail box, even during the displayed operating hours on their website. I have not received a phone call back after leaving several voicemails. The collection agency is called The Bureaus Inc. and their website is : https : //thebureaus.com/ Their advertised phone numbers are as follows : XXXX - Toll Free XXXX - Local It should be unlawful to report information to a credit bureau and not offer live assistance to a consumer wanting to verify a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 Bureaus collectively have refused to issue proof or methods of verification for items I have disputed with them. They continue to send what is seemingly an automated response without addressing my questions or concerns. 

Instead of providing the requested info they keep stating that it has been verified or previously handled. No additional information for methods of verification or proof of an investigation at all. 

Per the FCRA SECTION 611 ( SCREENSHOT PROVIDED ) I am allowed to submit a request a description of the reinvestigation procedure. It should be granted the first time without me having to file complaints.
Product: Credit reporting or other personal consumer reports

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXXXXXX XXXX, disrupting my sleep and peace of mind.
Product: Debt collection

CMRE FINANCIAL, XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX Has sent me collections notices in the amount of XXXX the collection has been reported as past due. I dont know this company. I have never done any business with this company. This company does not have a contract with my signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX  ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Mortgage

Due to financial constraints, and holding on to my property post the height of the economy ; I opted to try to sell my home to get out from under it. I purchased my home in 2006, the value of the home is barely what I purchased it for. I purchased it for {$270000.00}, appraisal is for {$280000.00} with all the upgrades in the last 10 years. I had a buyer with an offer of {$270000.00}. The offer was accepted by the first mortgage and denied by the second mortgage, therefore forcing me into forclosure and ultimately bankruptcy. The load was a fannie mae dictating how much money would go to the second mortgage. The system is broken. I thought things were better to support this type of situation. How can a bank deny the sale. How can a bank deny the sale based on " principle '' as they said to me. They would rather have nothing than the amount offered to them.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit card

I placed and paid {$3500.00} on bottega veneta online store on XX/XX/year> and they shipped order with XXXX. First delivery I was not at home but my family member are home but XXXX said my package requested direct signature, only me can sign the package so XXXX take the package and left door tag on the mailbox. Then the next day I saw XXXX truck didnt stop at my address but tracking information said customer was not available for delivery. Then the next day I was not at home because I need work. And XXXX give my package to someone and signed it. Until now I still not get my package and I didnt know who did sign the package. But XXXX said only me can sign the package right? They why let someone sign it in the end? and XXXX delivered picture is a doortag on the mailbox, it doesnt make sense. I file police report too and send to PayPal. But they not really give a help. Hope can get help from CFPB. Thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # milestone credit card account number # XXXX has violated My rights 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 my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 16811 ( 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 the 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 : Personal Information 1. INCORRECT ADDRESS - XXXX XXXX XXXX XXXX XXXX XXXX - The personal information is incorrect- please remove this from my credit report immediately. 
2. INCORRECT ADDRESS - XXXX XXXX XXXX XXXX XXXX XXXX - The personal information is incorrect - please remove this from my credit report immediately. 
Accounts 1. XXXX XXXXXXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
2. XXXX - XXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
3. XXXX XXXX - XXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
4. XXXX XXXX - XXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
Inquiries 1. XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
2. XXXX XXXX XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
3. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
4. XXXX XXXX XXXX XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
5. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
6. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
7. XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
8. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
9. XXXX XXXX XXXX XXXX XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately.
Product: Credit reporting or other personal consumer reports

In a

ccordance 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. 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 consu
mer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/XXXX a credit in the amount of {$2600.00} was sent back to a XXXX XXXX service Trace # included in documents. This was made by Capital one to XXXX Company claims never to have received this credit. On XX/XX/XXXX Capital one acknowledges that the funds were never sent. in XXXX of XXXX which at that was a credit. So in XX/XX/XXXX they sent again the XXXX through the bill service as requested, at this time they added the XXXX to my Capital one balance. Why? As I waited again for these funds to reach the destination of XXXX. Once again never been credited for this. And this recent transaction doesnt have a trace #. If you look into all of the recorded calls starting on XX/XX/XXXX you will hear many many times that I will be receiving a credit for XXXX it will take 2 billing cycles. There are many recorded calls from many senior advisors that see the problem. And it seems that nobody can fix this. What is it going to take. It seems it was very simple to add the funds back to my card. Which was a XXXX credit in XXXX and it should have been a credit in XXXX thats the issue. Never received in XXXX resent in XXXX and added back to my card. But again never received by XXXX. Recorded call today XXXX the supervisor in collections saw the issue and couldnt fix. Its time that you take extra time and listen to these recorded phone calls. As they are the key to this financial mess that you have bestowed upon me and my family. 
As of today Im actively hiring an attorney and reaching out to the news station. And whoever will listen. As you have certainly done nothing to help the consumer. As you can see by all the documents that I have nobody has done anything to find these funds to look for these funds to Credit responds to my account. There are many many recorded calls and capital one does nothing to help nothing I receive letters I have nothing but lies from you and I will not go away, and I will continue to dispute his lies.
Product: Money transfer, virtual currency, or money service

My ex-husband and I signed all the paperwork to sell our house to a buyer who had a cash offer. The title company failed to secure the funds and so after we signed at the closing we found out the funds won't be available until Weds. due to an error from the title company 's employee. If something happens to the house, who has possession, this leaves my ex husband and I in a very vulnerable position.
Product: Mortgage

I am behind on my home equity loan with Bank of America since XXXX 2017. I took out this loan with my ex who is on the note. I have been trying to obtain a loan modification on this loan and have sent all the paperwork. the only problem is my ex is not participating. I am getting mixed answers or no answers from the representatives at Bank of America. I have been told I need a quit claim deed from my ex and then I am told differently. I am confused and frustrated as I can not get straight answers as I have been calling repeatedly with no success. All I need are the correct answers, I want to pay loan with Bank of America, but I am unable to pay all the missed payments. the loan was interest only and jumped up. Please help me obtain the correct answers so that I may retain my home and make payments on the debt I owe. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 1691s-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 or other personal consumer reports

I disputed credit account on credit report and was informed no change and that dispute was resolved which I then contacted credit account and asked for documentation of their findings and to show proof and never received it. I want this credit account removed from my report entirely.