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

Digital exchange Kraken https : //www.kraken.com/ is indefinitely withholding the digital currency XXXX XXXX from an XXXX that they originally promised to distribute on XX/XX/XXXX. 

XXXX XXXX XXXX After failing to deliver the tokens, they said they would be participating on the extension deadline and would deliver by XX/XX/XXXX. They have again failed to deliver and even their help support employees have no idea when it will be delivered. 

XXXX XXXX XXXX Here is their latest response to the request that was made over six months ago : XXXX ( Kraken Support ) XX/XX/XXXX, XXXX PST Hello, Thank you for your message. 

Kraken has n't distributed the XXXX XXXX ( XXXX ) for the giveaway as of yet. Nor have they released any further information to us here on the support channel. 

Please, note that even we currently do not have an ETA this does not mean that the XXXX XXXX ( XXXX ) will not be distributed even if it is after the deadline that was set earlier. 

Kind Regards, XXXX Client engagement specialist Kraken They are holding millions of dollars in XXXX XXXX  XXXX digital currency from the giveaway and their customers are suffering by losing opportunity costs and we have no idea when the issue will be resolved. Their digital exchange is suffering many usability problems and it is very concerning that the clients will never receive their respective XXXX.
Product: Bank account or service

Over the past year I have witnessed multiple situations where PNC Bank took liberties to manage my transactions in a manner that gave them car-blanch to assess " Over Draft '' charges to my checking account. Up to this point I accepted the bank errors. That is going to change. 
On XXXX/XXXX/15 I reviewed my account to find that I received XXXX over draft charges of {$35.00} to the sum of {$70.00} in debits to my account. The charges made no sense to me. Per my online banking statement I had a close of business balance of {$38.00} as of XXXX/XXXX/15 and no new Posted transactions to my account for XXXX/XXXX/15. My ending balance on XXXX/XXXX/15 was {$400.00}. I had XXXX transactions post to my account on XXXX/XXXX/15. A deposit for {$74.00}. and XXXX debits totaling {$440.00}. I had XXXX items in Pending Transactions totaling {$140.00}. After speaking with PNC representatives the explanation to my over drafts are that PNC took liberties and applied XXXX transactions that are being held in my Pending transactions to my Posted transactions. I was told there is a difference between a Firm hold and a soft Hold. I was told that the online banking system is not as accurate as the banks accounting system. I was told that I was incorrect and that I must be wrong because I have had over drafts in the past and my past history dictates that I am wrong. Basic accounting principles prove that I am right along with basic math principles. After speaking with XXXX agents from PNC I am under the impression that PNC is without question breaking some sort of law in an attempt to force over draft charges onto its customers. Very similar to when they received a XXXX XXXX dollar judgement to pay back moneys they gathered through over draft charges. I have screen shots and documentation to support my claim. Not one PNC representative can justify or show a ledger that conflicts with my documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been removing positive credit accounts from my credit report for the past several months and has been refusing to reinstate those accounts back onto my credit report. With this negligence it has cost my credit score to plummet substantially. They have as of today  XXXX   XXXX ,2017 removed my    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  ,  XXXX   XXXX    is reporting as a defaulted student loan even though it is a credit card account that is open and not closed. I am also an authorized user on  XXXX   XXXX   XXXX  credit cards that they have removed and I am also an authorized user on a  XXXX   XXXX   XXXX  credit card that they have also removed. I have contacted all the  Data Furnishers and they have all re-reported the accounts and Equifax has yet to re-insert the information. This is wrong on so many fronts. This has cost me to my house that I was trying to purchase and has put everything on hold. This has to be taken car of ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of any accounts with XXXX XXXX. Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.
Product: Credit card or prepaid card

I recently acquired the Barclaycard Arrival Plus Mastercard because of the alluring promise that I can earn XXXX miles per dollar spent as well as redeem them for travel purchases at basically XXXX cent per mile rate. The travel credit redemption program states : " Choose any qualifying travel purchase of {$100.00} or more made within the last 120 days to redeem your miles for a travel statement credit. Travel statement credit redemptions start at XXXX miles for {$100.00}. Please note, only qualifying travel transactions made in the last 120 days will display, and you may only redeem against a transaction one time. '' However, it does n't state anywhere in the rewards program description that AFTER the initial {$100.00} threshold has been met, there is a {$25.00} increment in redemption. Meaning that my charge of {$120.00} CAN NOT be redeemed with XXXX miles and instead the maximum I would be allowed to use to redeem is XXXX miles for {$100.00} of the {$120.00} charge. Phone representative admitted that there 's a {$25.00} ( or XXXX mile ) increment after the initial {$100.00} ( XXXX mile ) threshold has been met. He also admitted that this is not clearly stated and as a consumer I feel that I was not able to maximize the rewards that I 've earned because no attempts were EVER made by Barclaycard to disclose the " rule ''. The phone representative XXXX made it very clear that I will never be able to use the entirety of my miles ( XXXX miles at the time of writing this ) because of the unstated rule and I do not think that Barclaycard has been upfront about the rewards program to allow a consumer like myself to make an informed decision about their product.
Product: Checking or savings account

This is the third CFPB complaint I have had to file against Marcus by Goldman Sachs. You keep closing the CFPB complaint but never resolve the issue. 

We have gone ahead and filed all information that you have requested. 
You have transferred our funds to XXXX XXXX. 
I have had to call multiple times. And finally was given the following account number to use to sign up for XXXX XXXX account XXXX. 

This account number is not valid. 

Marcus by Goldman Sachs is financially damaging the Estate by not allowing us access to our funds. 

We will keep opening complaints until this issue is resolved. Just because you say " it's resolved '' does not mean it actually is. Stop wasting the CFPB 's time and the Estate 's time. 

We have also requested that a date of death valuation be given to us, this has not been provided.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the accuracy of XXXX accounts listed on my credit reports with all three major credit bureaus ( XXXX, Experian, and XXXX ). The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are inaccurately reported, and I have not received the required documentation or resolution within the legally mandated XXXX timeframe as outlined in the Fair Credit Reporting Act ( FCRA ). This failure to comply with federal law necessitates the immediate removal of these accounts from my credit reports. 

Legal Basis for Dispute Under 15 USC 1681s-2, all information reported to consumer reporting agencies must be accurate and verifiable. In addition, per XXXX XXXX XXXX XXXX XXXX, the issuance of a XXXX form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines XXXX Specifically, XXXX XXXX XXXX refers to a creditors policy decision to cease collection efforts and cancel the debt. 

Requested Actions Verification of the Account Balances : Provide clear evidence confirming that the balances reported for the XXXX XXXX  and XXXX XXXXXXXX accounts are accurate and legally collectible. 

Provision of the 1099-C Forms : If these accounts were canceled and a 1099-C form was issued, supply copies of these forms to verify the identifiable events of debt cancellation. 

Permanent Deletion of Inaccurate Accounts : If the debt was canceled under IRS XXXX XXXX XXXX or can not be verified, both accounts must be permanently deleted from my credit reports in compliance with the FCRA. 

Failure to Respond If you fail to address this dispute within the XXXX investigation period, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and other relevant authorities. 

I have attached supporting documents, including copies of my credit reports highlighting the disputed accounts, for your reference. I look forward to receiving a written confirmation that these inaccuracies have been corrected and that the accounts have been permanently deleted from my credit reports. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

Subject : Urgent : Assistance Needed Regarding Closed Credit Card Account Dear Customer Service, I hope this message finds you well. I am writing to address a concerning issue with my credit card account. Recently, I discovered that my credit card account has been closed due to inactivity. 

I want to emphasize that I have maintained an impeccable payment record without any late payments or issues with the bank. Despite being an elderly woman, I may not use my credit card frequently, but I have consistently upheld a good standing credit throughout. 

Upon contacting your customer service, I was informed that the account closure was a result of inactivity. However, I never received any prior warning through mail, email, or phone call. The only communication mentioned was a single mail sent to my current address XXXX year ago, which I did not receive. 

I find it unacceptable to close an account based solely on XXXX communication, especially when it was not received. I have been a loyal customer, and I believe my credit history reflects my responsible financial behavior. 

I kindly request your assistance in recovering my credit card account. I believe that the circumstances outlined above warrant a reconsideration of the decision to close my account. It is disheartening that my plea was refused when I contacted your customer service. 

I appreciate your prompt attention to this matter and hope for a swift resolution. If necessary, I am willing to provide any additional information or documentation to support my case. 

Thank you for your understanding and cooperation. 

Sincerely, My card info is : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX mailing address : XXXX XXXX ct, XXXX CA XXXX. 
phone number : XXXX thank you, Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/2024 I have sent a company a copy of the judgment from the case XXXX ( XXXX XXXX FNBO ) by both regular mail and to email that was given to me by FNBO XXXX ( XXXXXXXX XXXX XXXX ). 
To this day I received no payment as dictated by XXXX  XXXX and the company did not appeal the verdict within the legally mandated 30 day period.
Product: Mortgage

On XX/XX/2020, I contacted Amerisave to inquire about a mortgage refinance loan. I spoke with a loan originator and went through several options. We discussed several loan strategies and how my current rating would affect the rates. We even went so far as to only include the person I informed the loan originator that my goals were to shorten my term and lower the percentage rate even if it meant a slightly higher payment. I also did not want to pay anything at closing. We looked at many options and discussed how many of them actually paid the customer money instead of having to bring money to closing. I stated that I would like to get close to {$0.00} at closing to get all terms as low as possible. I then asked if I could discuss with my wife. I was informed that the rates change daily at XXXX. 

I returned the next day to complete the application. I waited till after XXXX to be sure I received the updated rates. I looked over several other options and settled on a loan with a 15 yr term at 2.5 % with no money due at closing. 

I went through the credit check process which revealed a credit score much than what the loan originator had shared with me to get pre-qualified. 

I was then taken back to the re-select a loan as the previous loan I had selected and pre-qualified for was no longer available. It was a matter of minutes between my first selection and having to re-select a new loan. 

The new loan has a 15 yr term with 2.5 % financing but now I have to bring {$8500.00} to closing. A very different loan. I checked man y of the options and ALL of them required me to bring many thousands of dollars to closing. 

This was not what I was told nor what I selected. This feels like a bait and switch and it is predatory in nature.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and completeness of the payment history associated with the account : XXXX XXXX Open Date : XX/XX/2023 I believe the reported payment history is incorrect, and this discrepancy needs to be addressed immediately. Under 15 U.S.C. 1681s-2 ( b ) ( E ), furnishers of information are required to conduct a reasonable investigation when a dispute is made regarding the accuracy of information on a consumer report. In the case of XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX. XXXX, it was emphasized that verification of disputed information must be supported by comprehensive and accurate account-level documentation. Furthermore, 12 C.F.R. 226.25 ( a ) stipulates that such documentation should detail all transactions related to the account in question. 

Given these legal responsibilities, I request the following : 1. A thorough investigation regarding the accuracy of the reported payment history associated with my account.

2. The provision of complete account-level documentation that verifies the accurate payment history in accordance with the XXXX case and applicable regulations. 

If your agency can not verify the accuracy of the information with appropriate proof of verification, I expect that the account will be deleted from my credit report immediately, in compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX XXXX XXXX XXXXXXXX, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX continues to certified that information IS CORRECT BUT HAS YET TO PROVIDE INFORMATION. 

Delete this account for Violation and inaccuracy because the date open of the account the XXXX  XXXX XXXX Account # XXXX reported is incorrectly on Experian, XXXX and XXXX XXXX In addition, number of late payments and status of account on Experian do NOT match with XXXX, and XXXX. Account of XXXX payments are incorrect, and Date reported are incorrect on Experian, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i cant verify the account so the refuse to give me information so i can dispute it
Product: Credit reporting or other personal consumer reports

Credence Resource Management did not send me a copy of a legal contract that I owe to Credence Resource Management.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my report again, I found several inaccuracies which are once again causing my home loan application to be turned down through XXXX XXXX I have sent repeated letters to the respective companies, and this is my last attempt before taking legal action. My attorney suggested I send this last letter. I would very much appreciate you deleting the following mistakes on my credit report. Enclosed. you will find copies of the necessary documentation that will correct the information you XXXX have received in error, along with a copy of the credit report in question. The items referred to below and needs to be deleted from my credit report. 

XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ( Closed ) # XXXX I have had my life on hold now for XXXX years trying to fix my credit report. The mortgage professionals at XXXX XXXX XXXX XXXX XXXX, have informed me that need to get these items taken off my credit report as soon as possible, because it is inaccurate and needs to be fixed. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
1. XXXX  XXXX XXXX  Account Number : XXXX  Please remove it from my credit report.

2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX   XXXX  XXXX  XXXX, SC XXXX  3. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX  4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX  XXXX  6. XXXX  Account Number : XXXX  Please remove it from my credit report.

I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with XXXX 3 times now an account on my report. I have proof that the original account has been sold to another agency yet after XXXX  dispute investigation is complete they still refuse to remove or change the status of my account simply based on what the original debtor confirms. The original debtor is Indigo credit card and it was sold to XXXX XXXX XXXX, whom I've also spoken with and have received written communication from! XXXX XXXX XXXX ( XXXX ) XXXX spoke with XXXX on a recorded line where she specifically stated they bought this account from indigo credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my credit ran today XX/XX/2020 because I applied to XXXX XXXX XXXX  and I did not qualify to rent an apartment because my report came back with a lot of accounts in negative standing. Before today I didn't even know that these accounts were on my credit because none of them are mine ; I did not open any of the accounts I listed on this report and I have never allowed anyone to open any credit card, loan or anything else in my name. I don't know who is responsible for all of these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payment towards any of these accounts. As for the companies that the accounts are coming from, I do not have any written/verbal contract with any of those companies nor am I affiliated to them in anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

Validate it or prove it. The bankruptcy court doesn't disclose information with the Bureaus and these bankruptcies don't show in XXXX system. I included a letter from the bankruptcy court saying they don't disclose information with the Bureaus and I also included documentation from XXXX saying these Bankruptcies aren't reporting in their system.
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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 corrected : XXXX XXXX XXXX XXXX : {$470.00}, XXXX XXXX XXXX Balance : {$13000.00}