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

XXXX - Opened Crypto.com account XXXX - Received email that account has been closed after review " that it does not meet our requirements for user conduct, as outlined in our Terms and Conditions '' - contacted support on XXXX separate occasions to request the user conduct requirements that I did not meet. In both cases, they responded with the following : Please refer to our Terms and Conditions. 

They state : " We are entitled, in our sole discretion and without providing reasons, to refuse your application for or to suspend, terminate or limit your use of the Crypto.com XXXX XXXX XXXX or your account, and/or to change the eligibility criteria for registration or use of the Crypto.com Wallet XXXX XXXX at any time. '' I believe that my account was closed without just cause and I have not been provided an explanation of the specific rules that I broke. I am forced to move my assets to an external wallet and incur the costs to transfer each currency out and lose significant value because I may need to liquidate assets which have lost value before transfer.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Auto payment of mortgage of {$2800.00} to Newrez/Shellpoint taken from XXXX XXXX Checking account on XX/XX/2024. The mortgage was paid off on XX/XX/XXXX since the closing was changed to that date due to a death in buyer 's family. Received email congratulating us on the payoff, and that any refund would be sent XXXX days. Contacted them on XX/XX/XXXX to verify new address and was told refund would be sent. Nothing as of XX/XX/XXXX, so called again. Told that a deposit was made to XXXX XXXX  account for XXXX XXXX? on XX/XX/XXXX. Nothing in our account. Went to XXXX XXXX and they have no record of anything from Newrez/Shellpoint to our account. Verified account numbers on XX/XX/XXXX in another call, that I recorded. Said they would void other deposit and resend on Friday but due to XXXX XXXX it could be the following week. It's now XX/XX/XXXX and still nothing in our XXXX XXXX Account and no check received. 
They have now had our money for almost 3 months and we can't seem to get it back - We do not trust them since we spent months trying to get our insurance money from them for our roof claim. As I did with the insurance claim, I get different answers every time I call or chat, but nothing happens. I need to collect the debt of {$2800.00} that THEY OWE ME! And I should be getting interest on that amount.
Product: Checking or savings account

I was trying to send payment to a company ( XXXX in XXXX, FL ) I had problems with bill pay and XXXX. It tried to send payment twice. I was able to cancel one payment and the other did not seem to go through so I upgraded so I could send a check to the company electronically. Then the web payment went through as well. I called M & T who is my bank and they said they would stop payment on the web payment. The check seemed to be processed as expected. I saw that the check had cleared and thought all was well. I heard from XXXX today that they never received the payment. I have a copy of the check on line from M & T that has no information on the back regarding who or where it was cashed. I spent over 3 hours with M & T today, talking with various people, none seem to have a clue what happened except my {$2500.00} is gone. I finally found someone who said the policy is to submit a form to have the bank investigate what happened. First I was told I had to go to the branch office. I live XXXX miles from the branch office. Then they said they could mail it to me but could not email it. Then they said it would have to be notarized. I work as a XXXX M-F XXXX, good luck getting it notarized. This M & T Bank has shown themselves to be pretty inefficient in the past, but releasing my funds not knowing to whom or where it is going is inexcusable and now it appears the money is lost and M & T does not want to own the blame. I did everything right and they did it wrong. I need some assistance with a bank that is not safe to be holding peoples money any longer.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report
Product: Debt collection

I discovered a debt added to my XXXX XXXX report on XX/XX/XXXX - the collection appears to be reported on XX/XX/XXXX. The collection is listed from XXXX XXXX XXXX for {$9100.00}. This is the first I've heard of this debt. I do not know what it is from. I suspect it is related to a string of identity theft incidents - I have reported over 8 incidents since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been having terrible financial difficulties for a couple of years now and have n't been able to pay off my debts in a timely manner like I used to. For one debt, I have been receiving letter after letter, phone call after phone call from a debt collector trying to collect the debt. That 's OK -- that 's their job and we do owe the money. However, yesterday, the lady from the debt collection agency called the co-signer on one of my loans and berated and harassed him, using mean and abusive language. She even suggested that he put his land and house up for sale or put it up as collateral to help pay off our loan. That is taking it way too far and is absolutely uncalled for. In addition, when they leave messages on our phones, they do n't do what every other debt collector does : say that the message is intended for someone in particular and if the person listening is not the intended recipient of the call then he/she should hang up. Instead, they just start spouting personal information, like the name and the account number of the debtor and then say that it is an attempt to collect a debt. I am appalled by the divulgence of my personal information in a voicemail message.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692eXXXX or misleading representations- ( XXXX ) you failed to notate this account was in dispute within XXXX days now this account in violation 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: Student loan

In 2017 American Education Services applied my daughter 's payments ( I am the cosigner ) to the wrong loan. Upon receiving notices of delinquency, both my daughter and I repeatedly called AES, and were told that the payments had been corrected and that the notices of delinqency were a mistake. It continued to be a problem, but they continued to tell us that the payments were being correctly applied. Subsequently, the loan was placed in default and sent to collections. Attached are documents clearly showing that the last payment on the loan prior to it being declared in default was made on XX/XX/2017 in the amount of {$130.00}. Also attached is a letter from AES dated XX/XX/2017 stating that the payment is 149 days delinquent, which was clearly not the case. My daughter, and I, again contacted AES, but it was by then placed in default, and they refused to even discuss the matter. Presently, the loan is in collections with a company called XXXX XXXX XXXX.
Product: Mortgage

On XX/XX/XXXX at XXXX I called XXXX Mortgage to make my regular monthly payment of {$2200.00} for the month of XXXX. I spoke to XXXX and she informed me that an escrow analysis was done on XX/XX/2021 and that a letter was sent to me dated XX/XX/2021 advising me that effective XX/XX/XXXX my payment is {$2700.00}. I told XXXX that while I understand there may be an escrow shortage Midland Mortgage has to provide me with a 30 day notice before any changes take effect and increasing my payment XX/XX/XXXX is a violation of XXXX XXXX XXXX transferred me to XXXX in the escrow department and I asked XXXX to transfer me to a supervisor. At XXXX I finally got to speak to XXXX XXXX a supervisor in that department only to hear the same information. They refused to take my payment of {$2200.00} because according to their system it was {$2700.00} Im extremely concerned that Midland Mortgage personnel seemed to have to have no clue about XXXX XXXX or what I was trying to explain. I wonder how many more mortgage holders who dont have knowledge of lending regulations they have done this to. Based on my conversation yesterday with multiple employees I think an audit needs to happen because I know I cant be the only client going through this with them.
Product: Vehicle loan or lease

loan start date XXXX for XXXX and it still shows to as of XX/XX/2020 the pay off is over XXXX. There are late fees and accessed fees being added every couple months. There is no way I have had this vehicle for 5 years and only paid it down XXXX if I have been paying monthly and even with skipping a couple payments. I show 48 payments of XXXX each and payments of over XXXX each several times and smaller payments that look like they were broken down to be applied to late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX, ,Continued Issues, That Wells Fargo Bank Never Took Care Any Of My Issues At All, ,Yes They Did Respond To Some Of My Issues, ,But Still Never Did Anything about It!! ( Never Heard Anything About The Settlement Issues, ,Yet, ,XX/XX/XXXX, ,The Unauthorized Banking Accounts, ,This Is So Unacceptable, ,They Talked About The ( Overdraft Rewind On My Bank, ,Which Is Not True, ,If It Was The Truth Then My Bank Account would Not Be Overdrawn For The Last 6months, ,and If Wells Fargo Bank Would Have Paid Me My Settlement Payments On Time, ,Maybe My Bank Account Would not Be Overdrawn Every Month ( 6months ) I Really Thought The Bank Would Have Took Care All Of These Issues, ,BUT They Haven't Yet, ,And To Top It Off, ,This Bank Is Still Too Messy, ,What Happened To The TRUSTED PEOPLE AT THIS BANK !!!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance to the Fair Credit Act XXXX account # XXXX  XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , has violated my rights. 

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: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block 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 found that under section 605b ( a ) ( Bureau ) shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}. 

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
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX
Product: Credit card

In XX/XX/2024, I signed up for XXXX XXXX using my bank credit card. I received a email message a few weeks ago that my payment didn't go through, I checked my credit card transaction and saw payment did go through, but I noticed that XXXX XXXX would also use my checking account for payment using XXXX XXXX. I contacted bank to advise if the overcharges and they refunded my card, then they sent me a letter that they couldn't refund anything over 60 days old and they put those charges back on my credit card account.
Product: Credit card or prepaid card

This is a complaint against XXXX  and PayPal Credit located at XXXX  and PayPal Credit XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX PayPal Headquarters XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX PayPal Credit XXXX XXXX XXXX XXXX, FL XXXX Fax # XXXX Phone # XXXX Dear XXXX  and PayPal Credit XXXX This matter of concern in regarding this issue or matter in nature of this dispute has been exhausted with I will not make any more payments in regard. 

Since you know so much about this merchant, please send the full and complete physical address of this merchant which should be a United States-based address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The receiver of this payment is Non-US - Verified XXXX XXXX XXXX I will only pay off the balance for the items that I have received and nothing else. 

I dont need to say anything else except not to send me any further communication or billing in regards. 
Thanks XXXX XXXX XXXX : Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Fathers info is in my background check
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Truist Mortgage for falsely reporting that I discharged my mortgage with them in XXXX in bankruptcy, while living in North Carolina. This is a LIE and this error needs to be removed from ALL 3 credit reports ( XXXX, XXXX, and XXXX ) immediately! 

I sold my home in North Carolina that was financed by Truist Mortgage in XX/XX/XXXX and the lender was paid COMPLETELY in PERFECT standing. 

This false information has caused me to be denied a mortgage by another lender, which has damaged my credit score and reputation. I demand that Truist Mortgage correct this error as soon as possible and send me a written confirmation that they have done so. 

If this error is not fixed within 30 days, I will seek the assistance of my NY Attorney General and pursue legal action against Truist Mortgage for the damages they have caused me.
Product: Debt collection

My XXXX XXXX contract number : XXXX The gym, XXXX XXXX, continued to charge my credit card after hurricane Mara hit XXXX XXXX on XX/XX/XXXX ; a hurricane category 4 that caused widespread destruction and left the island without electricity. After the gym reopened in XXXX they stopped charging my credit card, causing my account to be delinquent. The credit card company had not blocked the charges ; XXXX just stopped charging my account and eventually referred me to a collection agency. 
It seems that indeed I was wrongfully reported to the credit agencies because even though on XX/XX/18 I made the payment for the months that XXXX said I owed, I received calls from the collection agency on XX/XX/XXXX and XX/XX/XXXX. On those 2 occasions I informed the person that I did not owe anything to XXXX and, after checking, they admitted that I was right. On XX/XX/XXXX I received 2 calls from that agency ; the first one was to check if I was at home because I was going to receive a subpoena to seize assets for the outstanding balance with XXXX, and the second one was to say that they made a mistake. On that call I forbid them to ever call me again. 
On XX/XX/XXXX I sent an email asking for the name and address of their collection agency. I am still waiting for the information. 
On XX/XX/XXXX, my lawyer sent XXXX management a letter via email requesting the same information reply has been received. 
Included below are : the contract with XXXX, the emails relating to requests of information, and the ones that indicate the name and postal address of the gym and the telephone number of XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$490.00} ; XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ;
Product: Credit reporting, credit repair services, 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 XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items 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 Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX