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

In mid XXXX, 2024, I decided to end my crypto investment before my XXXX shares of XXXX dropped in value. I reached out to chat.crypto.com to get directions on how to sell my crypto to get it first to my XXXX XXXX then to my XXXX XXXX  account. The chat representative gave the steps necessary to get money back to my bank account. But after completing the first step, the amount of {$340.00} was transferred to a Crypto Wallet, not the XXXX XXXX. But when I continued my chat to ask why I was not able to get $ to my XXXX XXXX, there was no reply. I began to realize that Crypto.com did not want this XXXX  citizen to sell his currency ; I was being blocked. Note here that when you are ready to buy currency or invest, you get excellent help and great communication! I then went to XXXX email address in order to get help. 
But I was given the same run around. They would reply that to get money to the XXXX XXXX, I had to have a permanent address, not just a po box #. I immediately replied asking to whom I send my residential address. XXXX days later, no answer to my question..just a form letter saying : If we can be of help or if you have any questions, please contact us. I replied 4 times pleading for help with what to do next. But each time, no answer..just that same form letter asking me to reach them if I had any questions. I was being blocked from selling my currency to my XXXX XXXX  and thus blocked from ever getting my approximate {$340.00} back to my bank account! They then play a new game to block me. They pretend they need proof of my identity! An absurd demand, given that they already have this proof via email, tel # and by the fact that I can not even open the Crypto.com app without my secret password! Can you help me? I have limited funds. What worries me the most? My {$340.00} seems to have disappeared. XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, XXXX ran a hard inquiry on my personal credit report with Transunion. I was applying for a business account using my business 's XXXX number. My business 's credit report should have been run not my personal credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I alerted Experian to the presence of incorrect information ( addresses ) present on my credit profile. 

Some of the incorrect information was removed, but incorrect information ( addresses ) is still present on report generated XX/XX/2022.
Product: Checking or savings account

I incurred into overdraft, and the bank has this practice where they deny payment, and still charges, numerous times. I complained XXXX a few months ago, and got to an agreemtn I had to pay a small fee. I did, however, received a letter from a collection agency, I am affraid this in addition of being an issue for money I do not owe, has negative impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report with XXXX, XXXX and Equifax it states that USBK COURT XXXX WISCONSIN bankruptcy court is the one reporting a bankruptcy to them, in which the Bankruptcy court does not report anything to the credit agencies. I was also notified by XXXX that it was verified as accurate.I also sent them a certified letters asking the big 3 to send me something verifying with the courts that the bankruptcy is accurate as XXXX states thats the reporting individuals.I also have a credit freeze with multiple agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked my credit report and realized I had several accounts reporting on my credit files that don't belong to me. I have zeros knowledge how these fraudulent accounts got on my credit file. 

1. XXXX XXXX Account XXXX XXXX XXXX Account XXXX 3.XXXX Account XXXX 4.DeptedXXXX XXXX 5.XXXX  Account XXXX
Product: Debt collection

On XX/XX/XXXX I returned a vehicle to Toyota XXXX XXXX dealership after 3 months of not being able to afford the monthly payment of $ XXXX. I was not provided any type of documentation when I returned the vehicle in XXXX. Two months after the incident, XX/XX/XXXX, the Toyota credit is claiming they sent a statement with some due fees I owed from the returned vehicle. Which, I never received a notice in the mail in XXXX. After I began investigating this matter, I found out about it when i was denied a mortgage application, i called Toyota and they provided me with a copy of that statement that was sent out in XX/XX/XXXX. My account was sent to collections in XX/XX/XXXX, but I was never provided with a statement explaining the charges and my rights to dispute this account. I have never heard of this account from Toyota since XXXX, they do have all my contact information since i currently own a vehicle from the same dealership. I contacted a legal adviser and they explained my rights and they suggested me to start a dispute with the Bureaus and also to dispute the account with Toyota itself due to fail to comply with the law, which states I should of been notified as a consumer when they notified all bureaus about a collection and damaged my credit.
Product: Credit card

Filed a complaint regarding a credit card fraud ( XXXX gas card account # XXXX ) sent all the requested information and document followed all the instruction provided by XXXX XXXX XXXX ( fraud Manager ) direct line XXXX XXXX XXXX. 
All supporting information and document sent on XXXX/XXXX/2015 After numerous phone calls and Email never received any follow up. 
Until now when we are contacted by various collection agencies.
Product: Credit reporting or other personal consumer reports

There are a number of inquiries on my credit report that are fraudulent inquiries, I have NOT tried to apply for any credit other than XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX from the months of XXXX, XXXX, and XXXX I have spoken with agents from Equifax and XXXX and XXXX and advised that the ONLY inquiries that are mine are the once from XXXX XXXX XXXX XXXX and that rest ARE NOT A MATTER OF FACT. Under the Fair Credit Reporting Act section 1681c2. Block of information resulting from identity theft they must ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

Remove the Inquiries, but because they are using a call center out of the country their agents are refusing to comply with the Federal Trade Commission and the Fair Credit Reporting Act. I was advised that they do not have to follow the law and that they have their own internal policy that they will follow. I asked that we go over all the inquiries and they stated that they would not. I requested that they send me a copy of my credit report and as of today, I have not received it. This request was made XX/XX/XXXX, XXXX it is now XX/XX/year>, so in a month they have yet to send me a copy of my credit report. 

I am requesting that they remove all the fraudulent inquiries from my credit report other than XXXX XXXX and that they send me an updated copy of my credit report. I have also spoken with an attorney to see about filing a lawsuit with the Federal Courts if they do not remove all the fraudulent inquiries from my credit report and send me an updated copy within one week of XX/XX/year> I have sent them a copy of my Drivers License and Security Card
Product: Checking or savings account

I previously filed a complaint regarding Bank of America withholding my {$230.00}. I paid for a gaming system online from a scam company. I never received any gaming from the company and supplied proof that the company was fraudulent. Despite my evidence, Bank of America still refuses to refund my money. 
The fraudulent company ( which has now taken down their site ) sent Bank of America fake tracking information. I went to the USPS and received the REAL tracking information which shows the fake scammers sent first class mail to my address with a weight of ( 13 oz ) not 8-9 pounds that a gaming system would weigh! See Attached. Despite this, after many months ( since XXXX XXXX ) Bank of America has still withheld my money! I am requesting you intervene. I sent your company previous documents, The CFPB from B of A never called me! I want my money!
Product: Mortgage

Nations Lending currently has my XXXX mortgage payments calculated at a higher rate than what is legally due. Once my XX/XX/XXXX payment post the escrow balance on my account will reach {$7900.00}. The only escrow payment of taxes left is for my MUD taxes in the amount of {$3800.00}. At this time the correct amount for my monthly escrow is {$1200.00} not {$1400.00}. Annual taxes on my property is {$10000.00}. XXXX XXXX annual is {$2300.00}. Considering the fact that the law has strict guidelines on XXXX cushion amount of one sixth of the annual escrow disbursements, I am owed a refund of {$1600.00}. Further my mortgage payment is not accurate at {$3900.00}. My payment due for XXXX and forth should be {$3700.00}. 

Nations Lending has collected an overage of {$1600.00} in escrow payments for the year XXXX and is overcharging my mortgage by {$230.00} for year XXXX. An escrow analysis should have already been done this month. I am requesting my refund immediately. I am requesting monthly mortgage payment accuracy immediately.
Product: Vehicle loan or lease

GOLD CAR LENDING {$4300.00} the car was returned inXX/XX/2017 the car was sold they accepted the car back and have the car and have sold the car to also any balance left should not be reported on my credit and needs to be removed
Product: Checking or savings account

Hello! Good morning I receive a personal letter from Wells Fargo stating that under my name XXXX XXXX, they had to pause my account, due to someone opening it under my name. I do not know HOW they did this, because I DO NOT have a personal checking account with Wells Fargo! It said any further deposits has been blocked.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its leg obligation under the Fair Credit RI Act ( FCRA ) to conduct a reasonabl reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed XXXX ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

XXXX
Product: Debt collection

Caine & Weiner {$240.00} Ive only seen it appear on my credit report. No communication whatsoever
Product: Credit reporting or other personal consumer reports

I am writing to formally assert that the information currently reported on my credit report is not compliant with XXXX XXXX standards & is violation of the FCRA. I have identified specific inaccuracies that are negatively impacting my credit score. As per the Fair Credit Reporting Act, I demand an immediate investigation and correction of these discrepancies. Failure to address this matter promptly may result in further action on my part. 

I expect a timely response regarding the resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was ran without my knowledge or authorization on XX/XX/2019. Supportive documentation was sent several times without success to remove them. 
On XX/XX/2019 my credit was ran twice with Equifax. As soon as I noticed it contacted them to let them know the illegitimacy of the inquire and need an investigation and to remove them since is harming my credit too. Equifax told me that they CAN NOT do anything about and I have to contact the source companies on my own even I mentioned that my credit was hit without my knowledge and I never had business with any of them. XXXX XXXX XXXX contacted them and sent me a letter dated XX/XX/2019 to back up their response that they didn't do that inquire. The same XXXX  ( XXXX XXXX XXXX ) did the same and the Controller reached out to Equifax but they did nothing, then since I saw no changes or answers I reached out back to Equifax and they keep refusing to do anything on my behalf even the businesses called. XXXX XXXX XXXX sent me a letter on XX/XX/2019 to probe they did what they could. I reached out Equifax again and they told me to fax the letters, with one letter from me explaining the situation, copy of my SS, DL and copy of utility bill which I sent XXXX XXXX XXXX. Then I received a letter from Equifax once again to let me know that the fax was not successful and I have probes that I sent it twice SUCCESSFULLY. They were requesting me to send the ORIGINALS of the letters to XXXX XXXX XXXX, XXXX, GA XXXX. I sent my ORIGINALS as they requested with Certified Mail and Return Service on  XX/XX/2019 and they received MY ORIGINALS on XX/XX/2019 as we can see the stamp on the receipt. Now since I reported this to EQUIFAX for more than SIX MONTHS letting them know that my credit was run WITHOUT MY AUTHORIZATION but they don't care and even they received several communications from my side ( phone calls, fax and letter with supportive documentation ) communications from the business involved ( calls and letters ) I need to report that my credit is at risk and EQUIFAX is not taking the steps to PROTECT AND INVESTIGATE how my credit was impacted without my authorization and they are also refusing to REMOVE THIS IMMEDIATELY and give me a decent answer with an investigation regarding my inquire and where MY ORIGINALS are now with MY SS AND FL DL that was required by them twice. I reported this issue to XXXX and they contacted EQUIFAX ; they replied that they won't do anything until 2 years ( this is not a legitimate inquire, 2 years apply when are legitimate ). The Trade Practice Specialist XXXX XXXX XXXX from EQUIFAX not even took the time to check the documentation I attached where he would be able the supported claim which not only gave me 2 hard inquires on my credit but the worst part is that my credit was ran without my consent and the businesses ( XXXX  XXXX XXXX XXXX and XXXX XXXX were not able to find a trace of my information and they can not find how this happened ). Attach you will find all the required and verifiable documentation you may need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter disputing newly discovered inaccurate items on XX/XX/20. As of today over 45 days later I still have not received correspondence that the investigation has begun. In researching how to dis out these inaccurate items I also discovered my information was compromised in the XXXX data breach. Now more than ever I feel like my information has fallen into the wrong hands. I also learned in this process it is illegal to report inaccurate items. Please help me uphold the law
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the listed company made an unauthorized inquiry on my credit report. I had listed the name of the company below, and the date the company was made. 
XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a late payment on XX/XX/2022 XXXX XXXX  XXXX .... account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX .... Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late
Product: Credit reporting or other personal consumer reports

I'm concerned about the unfamiliar inquiries on my credit report to which I also did not applied to. I didn't authorize nor consent to these companies accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and XXXX
Product: Debt collection

On XX/XX/20 I attempted to Call CheckRedi about an Unpaid Returned Transaction on my email. The company asked for identity verification after I gave information the associate was rude so I hung up and called back the same day about 10 minutes later. When I got to the Identity verification process again the associates told me that the address on the file did not match. However, I gave the same information as the previous call which means that an associate gave out my information using the wrong identity verification. 

Additionally, the company is attempting to collect a debt that I am not authorizing since it was wrongfully applied to my account. 

I had previously logged into the zipline website to change the account information. After changing the account information I was contacted saying that the previous, bank account was still linked despite my changing the account. The error is causing a collection item. The original charge should be {$22.00}, however, they are implying that I owe a {$20.00} balance on a collection that I did not authorize nor should be due to pay considering that I changed the back information to the correct information on the zipline website.
Product: Credit card

In XXXX my credit card bill was due I set a payment amount for {$200.00} in which the money was in my account. After the payment declined I called the company and they told me that my credit card was closed due to payment denial. This is a false statement. I attempted to make a payment and the funds were in my account. I followed up with submitted another payment of {$150.00}. I called customer service to ensure that my account can be reopen due to the money being in my account with no pending transaction waiting. The company said no they will not reopen the account. After doing research I seen that Capital one is being sued by Walmart due to allegedly failing to meet customer service standards. Capital one is not meeting my standards as a customer who attempted to clear there debt and being declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX wrong name does not match DL Base on my findings all informations is FCRA : XXXX XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$820.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$820.00} Date OpenedXXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$12000.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$12000.00} Date OpenedXXXX Details under dispute icon Currently Under Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2400.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$3000.00} Date OpenedXX/XX/XXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3700.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$4600.00} Date OpenedXXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 
Account TypeUtility XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$12000.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Loan Amount {$12000.00} - XXXX XXXX XXXX TX Original creditor : XXXX XXXX XXXX TX {$0.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$0.00} - Payment Info Original loan amount - Balance {$0.00} Status date XX/XX/XXXX red flag the XXXX balance accounts XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX  {$12000.00} Balance updated XX/XX/XXXX how is FCRA violations they can change the names to all different with all credit bureaus
Product: Checking or savings account

On XX/XX/XXXX I opened an Account with Ally bank to deposit a check I won from gambling website " XXXX XXXX  '' for {$20000.00} dollars. I used their mobile deposit feature. The original check of {$20000.00} was processed by Ally Bank on XX/XX/XXXX, and it cleared on XX/XX/XXXX. The check accrued interest of {$2.00} cents meaning the funds had cleared and we valid. The check did not bounce nor was it recalled. The Fed also cleared the check and I have verified with the check issuer that the funds have been taken out of their account and not reversed. Ally Bank wrongfully closed out my account due to not being able to verify the check with XXXX, however XXXX bank has a company policy that does not allow them to verify checks. For this reason Ally closed my account due to fraud which was incorrect. Ally currently has my {$20000.00} dollars and are refusing to help me or reach out to me to send me back they money that has cleared and they owe me. I have been trying to get this resolved for over a month and have made no progress. 

I have spoked to the check issuer " XXXX XXXX  '' and Ally Bank on a XXXX way call to confirm the check was legitimate however this did not resolve the issue, as Ally refuses to accept the check is real when I have proof the check cleared the FED. Ally has not attempted to contact me a single time and continues to ignore me. 

I have attached the FED lookup tool for checks bellow provided by XXXX XXXX  to verify the legitimacy of the check clearing the Fed and that the money is owed to me and I will have to pay taxes on.
Product: Debt collection

EOS CCA / XXXX XXXX XXXX XXXX  has been sending me collection letters for around a year now alleging I owe them {$810.00}. I have sent them numerous letters requesting validation / verification of this supposed debt, starting XX/XX/XXXX up to XX/XX/XXXX. All my written requests sent to them were sent via certified mail with the USPS and I've verified delivery of each letter to them. They are also continually reporting this debt to the credit reporting reporting agencies against me, even though I've clearly disputed it with them. They have ignored every request for validation / verification I've sent thus far.
Product: Credit card

ON XXXX XXXX CHARGED XXXX XXXX VISA {$49.00} FOR A XXXX BANK. 
XXXX XXXX WAS SENT A TEXTBOOK. HE WAS NOT SENT A XXXX BANK. HE WANTS A FULL REFUND. SELLER MISREPRESENTED.