23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being and I have rights under 15 USC 1681. 

Transuion is govern by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below be removed/deleted. 

According to 15 USC 1681 ; I have the right to privacy and I did not give Transunion written permission to furnish these accounts. 


Account Name : XXXX XXXX XXXX | Account Number # XXXX ..... 
Account Name : XXXX XXXX XXXX | Account Number # XXXX ..... 
Account Name : XXXX XXXX XXXX | Account Number # XXXX ..... 
Account Name : XXXXXXXX XXXX | Account Number # XXXX... 
Account Name : XXXXXXXX XXXX | Account Number # XXXX... 
Account Name : XXXX XXXX | Account Number # XXXX... 
Account Name : XXXX XXXX | Account Number # XXXX... 
Account Name : XXXX XXXX | Account Number # XXXX... 
Account Name : XXXXXXXX XXXX | Account Number # XXXX
Product: Money transfer, virtual currency, or money service

My currency has been locked on the website and I have received no responses to my emails about it. There is a potential major change ( split ) in the currency coming up and they will not let me access it, even though they issued public statements to remove it from their website by a certain date. They will not allow the value be given to the users at all and wo n't allow its removal ( at least for me ). What they are doing/did seems criminal and if it is not, it should be.
Product: Credit reporting or other personal consumer reports

My account with XXXX  the original creditor is only XXXX when I disputed this originally it was taken off my credit report because upon call IC Systems I was told they were out of business, so I went to my local XXXX  and I got a receipt for the equipment that I had turned in and I was told that after the balance of the equip ment was taken off I only owed XXXX, so I asked how do I get the correct balance put on my credit report with I C Systems being closed down an he told me he didn't know how and my balances was never XXXX dollars the apartment complex I lived in gave up 150 channels of cab for free the only thing we payed for was Internet, so that's not correct
Product: Credit reporting or other personal consumer reports

In accordance 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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name XXXX XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX  has violated my rights. Or a list of inquiries : 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I was interested in buying some furniture from XXXX XXXX XXXX   and thought it would be a good idea to get their credit card so I could get reward points for my purchase. Since my 3 credit reports are frozen I was able to determine that Synchrony Bank ( the issuer of the XXXX XXXX XXXX  card ) used XXXX XXXX  so I unfroze that agency on Friday, XX/XX/2018and applied for the XXXX XXXX XXXX  Card on Saturday, XX/XX/XXXX via their online application process.

On Thursday, XX/XX/XXXX I received the following letter via e-mail from XXXX XXXX  : XXXX XXXX has received your request for credit for a credit program with XXXX XXXX XXXX / XXXX.

Unfortunately, we are unable to approve your request at this time.

Our decision was based in part on a credit scoring system that was used to evaluate your application. The most significant reason ( s ) where you did not score well are listed below : Distance between prior residences is too long Too few retail accounts Lack of recently established credit accounts Limited history of consumer at this address Some information used to make this decision was obtained from the consumer reporting agency ( agencies ) listed below. This consumer reporting agency ( agencies ) did not make this credit decision and is unable to provide you with the specific reason ( s ) for our action. If you believe there may be information on your credit bureau that is not correct, we suggest you contact the consumer reporting agency below to verify the information. If more than one agency is disclosed the reason ( s ) shown are based on the report provided by the first listed agency.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX On Friday,XX/XX/2018 I was able to speak with a gentleman from XXXX XXXX who informed me that he could not comment I why I was declined and that I would have to speak with someone from XXXX XXXX in order to find out why.

On this same day I was able to speak with 3 people from Synchrony who told me they could not tell me why I was declined and that I would have to talk to XXXX XXXX  in order to find out why.

Of course, I now concluded that I would not get a satisfactory answer and felt I had no recourse other than to file this complaint.

A little about me : I have lived at my current address for almost 4.5 years after living at my previous address ( 60 miles away ) for almost 25 years. I regularly use 2 credit cards issued by Citibank and pay them off every month. I have a mortgage that is about 10 % of the current FMV of my house. My FICO score is XXXX  at the present time.

I have no idea why I was turned down for this credit card, but I can assure you that by any rational method of determining credit worthiness I am a good credit risk. There are many complaints like mine revolving around XXXX XXXX and I can not help but think there is something very unsettling about their actions in the credit reporting system!
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my student loan off in XXXX, with XXXX  college. The credit report never had XXXX college on it until I stated what college I attend now all of a sudden I owe them to. XXXX  college is a closed school due to fraudulent loan accounts. Its other schools on my report that I have no idea of and never attended, also theres a energy bill that is part of the identity theft case in XXXX I have tried to explain it but no one listens. Its address that I never lived at on my report, its a last name that is not mines attached to my first name. I have tried for years to despite the errors but they are forcing me to accept them. Please stop racism together we have had enough
Product: Consumer Loan

When I obtained the loan I was told one monthly price in reality it was biweekly. I requested auto pay to be stopped they sent me an email saying it has been stopped but yet the company American First Finance kept billing me. in one day I had XXXX transactions that where not authorized each transaction was over {$75.00}. This company does whatever it wants and will not change unless someone stands up and says you must obey the laws that you are governed by.
Product: Debt collection

XXXX XXXX XXXX has reported to my XXXX and XXXX credit reports a collection in the amount of {$20000.00}. There is no account number. I have never been contacted by this company by phone or mail. Please investigate this issue. thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFOA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Hello, this complaint is directed to Dovenmuehle Mortgage XXXX Inc., which serviced my mortgage. Below is a brief timeline of the issues Ive encounter with Dovenmuehle and trying to recoup my escrow refund after paying off my loan. It took them 30 days to refund me ( well outside of the 20 business days prescribed by 1024.34 ). 

XX/XX/2020 My loan was paid in full. 

XX/XX/2020 An automatic monthly payment came out of my checking account ( {$3000.00} ). I can understand how this accidentally happened, not a big deal. 

XX/XX/2020 I called asking about my loan being paid in full and when I was going to have my {$3000.00} returned, it never should have been withdrawn. Representative saw the error and said I would have a check in 10 business days. 

XX/XX/2020 I called asking about my {$3000.00} and escrow owed to me ( {$1400.00} ). Had very long conversation. Supervisor told me that a check for {$3000.00} was in the mail and that the escrow amount had been escalated to the Acceleration Team. I was supposed to receive an email from them in 5 days and they were going to send the check via XXXX 2 day. I never heard back from anyone at Dovenmuehle. 

XX/XX/2020 Once again, I called explaining the situation and was elevated to a supervisor. Supervisor told me that my issue had been elevated to the Acceleration Team and that I was supposed to get an email from XXXX today. I received the email and replied back to XXXX explaining that Dovenmuehle was outside the 20 day escrow refund law ( 1024.34 ) and that I wanted my refund immediately. XXXX confirmed they were cutting the check today.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My investment account ( stocks and cash valued at {$52000.00} ) with Citi Personal Wealth Management ( CPWM ) was unlawful closed as abandon and sent to Office of Unclaimed Property of State of Delaware with wrong owner 's name on XX/XX/XXXX. 
The Delaware authority request XXXX XXXX ( clearing firm of CPWM ) to send a notarized statement to explain the error but to this date nothing has been done. 
My POA phone CPWM many times from late XX/XX/XXXX, and I have written to CPWM four times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
My POA and I never received a due diligence letter from CPWM or Pershing and the strange thing is my POA phoned CPWM on XX/XX/XXXX to withdraw {$3000.00} and the account was closed few weeks later. 
I request CPWM and XXXX XXXX send the notarized statement to The Delaware Office of Unclaimed Property so my claim can be finalized. I attached copies of letter from Delaware Authority, 5 letters to CPWM and 3 reply letters from CPWM.

Many thanks for your help.
Product: Money transfer, virtual currency, or money service

I am a Bank of America customer and our family has been looking for a husky puppy. We found on XXXX a breeder near us. The breeder had asked to send money through the XXXX app for the puppies vaccines and vet visit, so I proceeded to send it first {$100.00} then in a couple of days {$80.00} and lastly {$150.00} making a total of {$330.00}. I was supposed to receive the puppy on Sunday XX/XX/XXXX and the breeder continued to make up lies and demanded for more money. This user is on XXXX XXXX as Blessed Husky Farm and goes by XXXX XXXX but might have the real name as XXXX XXXX, I have pictures and screenshots of conversation and as well as the money transfers. He blocked me and told me he guaranteed I wouldnt get my money back because hes done this a lot of times.
Product: Credit reporting or other personal consumer reports

I AM NOT RESPONSIBLE FOR THE DEBT ASSOCIATED WITH THE ORIGINAL CREDITOR XXXX XXXX XXXX I DO NOT HAVE A CONTRACT WITH RELIANT XXXX XXXX XXXX, AND WHEN I REQUESTED THE ORIGINAL CONTRACT, THEY FAILED TO PROVIDE IT.
Product: Debt collection

According to the Health Insurance Portability and Accountability Act ( HIPAA ) Act of 1996 to protect my privacy and medical records from third parties I have never authorized the company named 'Credit Control Co ' to access ANY of my or families medical records from XXXX Hospital XXXX. I have contacted them for them to prove to me that I authorized them to have access to my families medical records and they sent me bills, dates of service, and personal information that does NOT verify I gave them permission to access. They have broken the HIPAA law regarding privacy.
Product: Debt collection

XX/XX/XXXX - Financial counselor from XXXX XXXX, run by XXXX XXXX, becomes my advocate against Debt Collector, DIVERSIFIED ADJUSTMENT. 

" XXXX '', acting on the directions from my financial advisor, sends DIVERSIFIED ADJUSTMENT letter dated XX/XX/XXXX to verify the debt according to federal, NY State, and NYC laws. Letter and tracking documents providing proof of delivery are attached. 

XX/XX/XXXX- XXXX emails regarding the fact that debt collector has not responded and tells me " If the collection agency isn't able to confirm and verify the debt then they can't collect from you. If they can't collect, they should remove the collection from your credit report. '' After waiting another week for a response and not receiving one, I send my dispute to XXXX. 

XXXX decides not to take action against the debt collector and not to enforce verification/validation of debt ( see attached XXXX Report ). Upon further advisement from XXXX, a second letter is issued on my behalf by XXXX dated XX/XX/XXXX. Letter and tracking documents attached. 

Please read my full testimony in the attached word document.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2021 I filed a report stating my social security was used to obtain XXXX XXXX as well credit card fraud. unbeknownst to me at the time I received a collections on my credit report. I then immediately filed a FTC report as well as other alerts to stop any further fraudulent activities as instructed by my cities police department. Not long after this these accounts were removed. I recently checked my credit report on all XXXX major credit reporting agencies and see that only on XXXX do I have a negative report for this account. I am upset and very confused as to why after I have healed from the crimes committed against me this now reappearing on my account brings back all the feelings I had when dealing with this circumstance in the past. If I can not find remedy for this account soon I will take the next step because of emotional anguish this is causing because of the negligence of the collection agency in not doing proper investigations and protocol. Also according to XXXX XXXX Code XXXX ( XXXX ) ( b ) Obligations With Respect To Disclosures Of Personal Information states any Authorization or Approval of a specific extension of credit directly or indirectly by the issuer of a " Credit Card '' or similar devise needs to be excluded from a credit report. And the LAWFUL definition for " Credit Card '' is any card, coupon book, or other credit devise existing for the purpose of obtaining money, property, labor, or services on credit. In this case my social security number being used illegally/Fraudulently as a credit card to obtain labor and services on credit. Again I demand this account be deleted at once.
Product: Credit reporting or other personal consumer reports

I've requested for this to be removed off my credit report and nothing has happened all this time
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/1973 Last 4 SS # XXXX XXXX, Transunion, XXXX These ( 3 ) credit Breaus are reporting inaccurate information on my Credit Report I've disputed these accounts several times with no Removal off my Credit Report. 
XXXX ( Fraudulent ) XXXX ( Fraudulent ) XXXX ( Fraudulent ) XXXX ( error paid ) XXXXXXXX XXXX ( Fraudulent ) XXXXXXXX XXXX XXXX ( Fraudulent ) XXXX XXXX ( Fraudulent ) XXXXXXXX XXXX XXXX XXXX ( Fraudulent ) XXXX XXXX XXXX ( Fraudulent XXXX XXXX & XXXX ( Fraudulent ) XXXX XXXX XXXX Fraudulent ) XXXX ( Fraudulent ) XXXX ( Fraudulent )
Product: Credit card or prepaid card

On XX/XX/2021 capital one reported I was late on payment.When it is on auto bill they tryed to pull the payment but it was rejected they did not notify me that it was rejected. I talked to the manger of company and he insurance me it would be removed because it was there fault. now sense then I can not get a mortgage because this late mark and the company will not help me
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

For the last several years my credit reporys have been mishandled by the bureaus. The creditors are pointing the finger at the bureaus for not reporting information correctly and now the bureaus are pointing their fingers at the creditors. Ive never had these problems ever and they need to be resolved and understand whos touching my credit files. 1. XXXX  XXXX is not getting reported on my files, payments attached. I have two separate accounts. XXXX. XXXX credit card has not been reported as well payments attached. 3. Student loans were never late and always deferred. Defer documentation attached. My credit reports dont change the scores for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE:XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : BANK XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : l XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
Product: Money transfer, virtual currency, or money service

Back in XXXX, I invested a little over {$4000.00} in different cryptocurrencies ( XXXX, XXXX and XXXX ) through Abra XXXX XXXX XXXX XXXX XXXX. Today, these investments would be worth around {$12000.00} at the current market rates. 

On XX/XX/XXXX, Abra made an announcement that they have decided to end their retail operations in the US and gave users until XX/XX/XXXX ( 6 days ) to withdraw their funds. This announcement was made on their website and there was zero direct communications to users like myself about this. 

When I tried to withdraw my funds, I discovered that the value of my portfolio is {$0.00} with all of my crypto funds missing. I checked my transaction history ( see attached ) and confirmed that there were no transfers out of my account. Thus, I tried reaching out to Abra 's support team via multiple communication channels ( XXXX, XXXX, support email and support phone number ). However, Abra removed their support number from their site, removed the ability for users to message them on XXXX and their support chat system always states " There are no available agents '' After numerous emails to their support team, I received the following and only response from the Abra team : ********************************************************************** Hi XXXX, Thank you for your message. 

The XXXX XXXX prompt in-app was sent to existing users as early as XX/XX/XXXX. If you had not completed XXXX XXXX prior, any funds left within the Abra wallet are considered lost. 

As you never completed the required KYC ID verification process, your account was shut down and those crypto assets were zeroed out. 

We see that you have since completed XXXX, but this was only completed after your account was shut down. 

This can not be reversed and is final. We apologize for the poor experience this has caused. 

Best regards, XXXX ********************************************************************** I did not receive such notifications/nor warnings from Abra or otherwise, I would have completed any necessary tasks. Thus, I attempted to contact their team again via multiple email messages that went unanswered. 

Regards, XXXX