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

I've been a customer of XXXX XXXX since XXXX. I had deposited about XXXX ETH on their platform under their EARN program which promised a certain number of percentage yield depending on the amount and the coin. I also had some Bitcoin, Litecoin, and LINK coins on their platform as well. 

XXXX offered us loans using our cryptocurrency as collateral at low interest rates. On XX/XX/XXXX, I took a loan against my collateral of roughly XXXX ETH. On XX/XX/XXXX, due the a margin call, I decided to close out my loan and emailed XXXX requesting to close out my loan via USD payment. On XX/XX/XXXX, they responded by sending me instructions on how to send the wire of {$15000.00}. In the meantime, while the process of repayment was expected to take up to 5 days, I put up another XXXX ETH collateral to avoid the loan going into default as instructed by XXXX. Later that day, XXXX announced they were pausing withdrawals. As you already know, they would go on to file bankruptcy. 

I had every intention of paying the {$15000.00} off and even had submitted the wire through XXXX. I have confirmation that I sent to XXXX. THANK XXXX that it was late at night and it hadn't gone through yet so i was able to cancel it. Unfortunately, XXXX still took XXXX additional of ETH and locked it up without giving me the option to repay and release the ETH back to me. I wish I had withdrawn that ETH and went into default instead. Being an honest and responsible consumer who plays by the rules cost me that money. 

I'm a middle class guy and the ETH amounted to over $ XXXX at its point. This is part of me and my family 's retirement. I feel scammed and betrayed. The advertisements and marketing of XXXX was that we could always pull our money out and it was a super safe platform. There was no indication to me at all that they were at risk of anything until it was too late. 

It was described like it was a place I could place my money and earn interest similar to a savings account at a traditional bank except with better interest rates. It wasn't absurd. It was only 4-5 % that I was earning. Unfortunately, I would later learn that they were taking customer funds and essentially gambling it away. The founder and the company constantly advertised and stated publicly that you could withdraw your funds at any time just like a bank but here we are.
Product: Student loan

I originally was paying payments through XXXX for a private loan in XXXX and XXXX for the amounts of {$1500.00} with an interest rate of XXXX , % {$9000.00} with an interest rate of 8.250 % and {$7400.00} with an interest rate of 10.750 %. I had paid on time until the loans were acquired by Firstmark in XXXX. I have paid over {$6900.00} in that time on time and without issue.and requested a refinance of the interest to the 8.250 % where they informed me that was not possible as they were not the ones to issue the loans even though they are the ones collecting on them. I have gone from {$19000.00} to {$12000.00} in 8 years this is just 35 % of the overall loan owned and I have paid off my other loans but Firstmark is the only company that will not assist in lowering the interest. In XXXX of XXXX a credit of {$3.00} was applied for an on-time payment incentive that was not applied at the time of the incentive should have been awarded. This amount was added to the principal balance to the account for the additional month I should have had the incentive, in 8 years and maintaining my payments timely, that is all I had removed.
Product: Mortgage

My house was for sale and the sale fell through 2 days prior. I had already moved and was 2 months behind. I paid my mortgage payment at 4 months past due and Wells Fargo returned it and didn't apply it to my loan. I called prior several times to work with agents on a repayment plan. When the payment was returned I was told it wasn't in foreclosure and began the paperwork for home retention. I also submitted two payments. Both were held and after I returned the paperwork for home retention the bank started the foreclosure process. I had decided to keep my home and move back in but with all of the difficulty with the bank I relisted it and got an offer on my home to close in a month. I've called Wells Fargo several times and advised them of the closing date. Each time they say a new agent is assigned. That person of the day is usually not available so I speak with whoever is. I told them for the 4th time the house is sold. They say they weren't aware. I'm also trying to get a payoff quote and they will not send it. I filed for mediation and have until the end of XX/XX/XXXX to complete that. Wells Fargo is continuing to charge me fees, hold my payments without applying them and refusing to generate a payoff quote. My home is supposed to close in 6 days! I will after this close all of my accounts with them.
Product: Debt collection

Noticed today XX/XX/2021, on my credit report. Again, Southwest Credit System has placed a statement status as saying, " {$120.00} balance, Seriously past due/assigned to attorney, collection agency, or credit grantors internal collection department. '' Again, do not know this company. 

SWC needs to speak with the Original Creditor.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filing a c

omplaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute letter three times for the past four months and have not received any update or progress on the status of my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Dispute of XXXX  XXXX Account # XXXX on Credit Report I am writing this letter to express my serious concern and objection to the continued furnishing of the above-referenced account by your agency on my consumer report. As per my understanding, this account is reporting past the statute of limitations in the state of Georgia and is adversely affecting my credit history. 

On XX/XX/XXXX, I had submitted a dispute through the Consumer Financial Protection Bureau ( CFPB ) regarding this particular issue ( copy of the dispute letter attached for your reference ). Despite my previous attempts to rectify this matter, upon reviewing the notification from Equifax received today, I was astonished to find that the account is still appearing on my report. 

According to your records, the account was updated based on the information provided by the furnisher. However, this information is well past the statute of limitations. The most recent report reflects that the Date of Last Activity was XX/XX/XXXX and the Date Closed was XX/XX/XXXX. This information suggests that the account is over nine years old, which is beyond the credit reporting time limit as set by the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed some incorrect addresses on my credit report that I never lived at. 
My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Bank account or service

For many years my wife and I banked with Capital One Bank and the institution it gobbled up during the financial crisis, XXXX XXXX Bank, before that. It has been a profitable relationship for the bank and for the most part satisfactory to us. However on XXXX XXXX we received separate unsigned XXXX snail-mail letters sent from an unidentified Capital One office in XXXX, XXXX, announcing that they were closing each of our accounts with no explanation. They claim, erroneously, that we agreed upon opening the accounts that they had the right to close it ( in fact, they took over the account from a predecessor bank ). However, we have no desire to contest that claim or to bank further with a company that treats customers so shabbily. Both accounts were in good standing and had ample funds on deposit. A {$5000.00} line-of-credit attached to my account, also in good standing, also was closed. By trackable express mail and also by E-mail I asked the CEO of Capital One to have someone contact me or send an explanation but received no reply. I asked the manager at the branch in downtown XXXX where I conducted most of my in-person business, but he was clueless and referred me to a customer service phone line. I spoke to several people by phone in that customer service center, squandering a great deal of time. A case number was assigned and each one promised to have a higher-up contact me. But nothing happened. I believe I\we each deserve an explanation. I am aware that Capital One is one of the sleazier financial institutions in the country, having paid XXXX of dollars in fines for unlawful corporate misbehavior. But in this instance their behavior is simply irrational, though probably not illegal. Why would a financial institution shut the door on a paying customer in good standing? What sort of judgment does that reflect on its corporate leadership?. If it received information from a government or a private source about activities on our parts that could affect them, are they not morally obligated to share that information with us, their customer? We have moved our accounts to another bank but we insist upon a written explanation signed by a responsible official from Capital One Bank as to what information or action caused them to act in such an offensive and disruptive way.. I want them to share with me any and all information so that if it is in error, we can attempt to correct it, and if I or we have done something that concerned them there is an opportunity to address that action. Thank you.
Product: Credit card

I obtained a Barclaycard, MasterCard Gold Card, with the agreement under SCRA benefits that the annual {$990.00} fee would be waived while I remained on XXXX military service. Recently I received notice in the mail that Barclaycard is now revoking their promise to honor this agreement and will be applying the annual fee at the one year mark in XX/XX/2017 ( my ownership of the account ).
Product: Credit reporting or other personal consumer reports

My identity was stolen and fraudulent accounts were opened in my name.
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, so Im not sure why this company is listing me as late for some months. According to USC 1666b, any errors should be corrected, and my account should be updated to " paid as agreed. ''
Product: Debt collection

Jefferson Capital Systems LLC has attempted to collect on an alleged debt that I do not recognize and believe to be invalid and was part of a data breach. I was contacted regarding this debt, which was stated to be {$580.00}. Despite my repeated requests for proper validation of the debt, Jefferson Capital Systems LLC has failed to provide adequate proof that the debt is mine and not a part of some fraudulent acitivity due to a data breach or that it is legitimate.

Specifically, I requested : A full itemized accounting of the debt, including the original creditor, dates of the alleged debt, and how the amount was calculated.

Proof that Jefferson Capital Systems LLC has the legal authority to collect on this debt.

Documentation showing that this debt is valid and not the result of identity theft, clerical error, or other issues.

To date, Jefferson Capital Systems LLC has not p
rovided any of the requested documentation. Instead, they continue to report this debt on my credit report, which is damaging my credit score and financial standing. Their failure to provide the required proof is a violation of the Fair Debt Collection Practices Act ( FDCPA ).

I believe this debt may have been assigned or sold improperly, or it may have been created due to errors or fraudulent activity. Jefferson Capital Systems LLCs collection practices have caused unnecessary stress and financial harm.

I am requesting that the CFPB intervene to ensure that Jefferson Capital Systems LLC : Provides full validation of the alleged debt, including all supporting documentation, or ceases all collection efforts immediately. 
Removes any inaccurate or unverifiable information related to this debt from my credit report. 
Complies with federal and state laws governing debt collection practices moving forward. 
Their lack of transparency and failure to comply with my requests for validation undermines consumer protections and creates undue harm.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit card or prepaid card

My issue is with Comenity Capital Bank Visa Card. Comenity took over XXXX XXXX credit card services from XXXX XXXX XXXX in XXXX of 2022. There have been several issues that I will try to summarize below : 1. Failure to timely and accurately deliver the new Visa cards.

2. System issues where they could not auto withdraw from my checking account.

3. The biggest issue is they denied approval of some of my charges because of previous charge amounts and/or the size of the purchase. EVEN THOUGH I HAVE ALWAYS BEEN BELOW MY CREDIT LIMIT MAXIMUM. This almost resulted in me losing my reservation on a cruise and our deposit for the cruise. I have never been advised or communicated of any security protocols on the card on when they will allow charges or deny charges even with my authorization. And there customer service areas and supervisors have no way of overriding their system to allow a charge that I want and approve to be processed. I have no way of knowing when they will accept a charge or deny a charge even though I am within my credit limits. They should not be able to pick and choose which charges they accept or deny if I am within my credit limits. I understand that for security reasons there might be certain protocols but they need to communicate what they are ( and there supervisors were not able to do that for me ), have a mechanism of reaching out to me to see if I approve them, and have the ability to override the system so that the charge is just denied even though I am within my contractual agreement with them. I also saw that there might be a pending class action suit against Comenity for this type of performance, as well as these issues filed with the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX stated a late payment the company ask me to reach out to the credit bureau over this matter. This account is paid off.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) Account Number : XXXX 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, states a consumer reporting agency can not furnish an account without written instrutions.

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 items of information, other than records of convictions and crimes which antedates the report 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX account was identified as fraudulently open and closed with a {$0.00} balance reported. 6 months later XX/XX/XXXX the balance on the account increased from {$0.00} to {$320.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX is reporting an account fraudulently obtained by another individual to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THESE COMPANIES : XXXX XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX BANK XXXX XXXX XXXX XXXX {$18000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX CRED XX/XX/XXXX XXXX XXXXT XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My realtor got me in contact with XXXX XXXX from Advisor 's Mortgage as I was looking into what I could get financed for or what the max purchase price of a home would be under my name. Not once on the initial phone call I had with XXXX did she say she would be doing a hard pull on my credit to look into my details. I had assumed it would be a soft pull, but then I got a notification on my phone that it was a hard pull while I was talking to her. 
At the time I felt like I had to work with her since my credit was already pulled and affected by this. So I worked with XXXX to get her the documents she had requested as well. 
Several weeks go by and she had not gotten back to me. I emailed her on XX/XX/XXXX asking clarifying questions and she got back to me on XX/XX/XXXX stating she was ill and had helped family out but would get back to me the next business day, however she never did. 
Almost XXXX weeks later I email her back to close out my application and remove the hard pull on my credit as I was not going to be conducting further business with them. 
Their Compliance XXXX XXXX XXXX stated that they would not remove the hard pull as they feel it was the correct thing to do. 
I do not agree with this, as I was just looking for preliminary information to start with before I would move forward with them as my mortgage company. I want this hard pull removed from my credit, XXXX ghosted me when she could've easily handed my application off to another person within her branch if she was so ill, it's not fair to have it on my credit report for XXXX  years before falling off.
Product: Credit reporting, credit repair services, or other personal consumer reports

A public record is reported Discharged CHXXXX XX/XX/2015 Reference XXXX I have contacted the credit bureaus directly. No one has provided an original signed contract, court documents, or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. Who reported the discrepancy. The credit bureaus response is to contact the agency, rather than investigating, they toss the issue back to the agency. What agency? The credit bureaus are the one 's reporting the information. Who then continues to report erroneous information?
Product: Credit reporting or other personal consumer reports

I recently sent dispute to XXXX, XXXX, transunion for reporting information to credit report without my consent in direct violation FCRA.
Product: Credit reporting or other personal consumer reports

I asked self to send me something stating my account has been closed. And also paid off and they did and I asked the credit bureaus all 3 XXXX XXXX, and XXXX to remove late payment off my credit and they have failed to do so
Product: Mortgage

On XX/XX/23 a check for {$3000.00} was sent to Mr. Cooper to increase the amount in the escrow account of our home loan. The check was cashed by Mr. Cooper and cleared our bank on XX/XX/23. This payment has not been reflected on any statement we have access and we have called/online messaged twice to try and obtain proof that {$3000.00} was credited to our escrow account with no avail.
Product: Student loan

I spoke to nelnet XX/XX/2022, I explained to them that I never gave them consent to report late payments to my consumer report. The account manager XXXX responded to me stating that I signed the promissory note opting in to furnish to my consumer report. Nelnet kept telling me pursuant to federal LAW they have to report. I keep requesting where does is state by law? please provide that information. Which NOW I KNOW ITS A lie. They claim that I opted in but nelnet or the depart of Ed never told me that pursuant to 15 usc 6802 B that I had the right to opt out. That was never given to me or disclosed to me. That mean I was not ever given the option to choose. I am requesting to opt out of furnishing late payments so they need to be updated asap. Nelnet keep sending me letters that a credit repair company is the one writing these disputes when it's me. XXXX XXXX XXXX, the NATURAL PERSON.