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

Company name involved. 
Kraken.Com XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX Starting in XX/XX/XXXX2023 through XX/XX/XXXX, I was involved in a cryptocurrency trading scam. I met a person via XXXX dating site. I was asked to " invest '' using a fraudulent copy of XXXX XXXX wallet. ( see below ) Kraken.comXX/XX/23- {$90000.00}XX/XX/23 - {$240000.00} XX/XX/XXXX - {$100000.00}XX/XX/23 - {$100000.00}XX/XX/23- {$90000.00} within XXXX, money was converted to crypto and transferred to the fake websites XXXX XXXX XXXX XXXX  These websites are identical and appear to be owned by a XXXX company XXXX XXXX XXXX. Once the XXXX was loaded to these websites, I was instructed to make trades which appeared to be very profitable. I started with small amounts and even withdrew ~ {$10000.00} initially to ensure my money was safe. As the transactions got higher, the profits got higher until I finally decided to withdraw at least my investment plus the amount need to cover income taxes- it was that large withdrawal that was not completed, and my account was subsequently frozen. the only contact email I have with the person I was working with is an email address, XXXX details of the transactions between the website/exchanges are in the attached documents.
Product: Credit card

I returned XXXX items to Kay jewlers in the XXXX XXXX, CA mall on XXXX/XXXX/16. Sales person assured me that the money was instantly refunded. Card is still stating a balance of {$2700.00}. The balance owed should be {$0.00} since I no longer have the purchased items. {$0.00} in merchandise = {$0.00} owed. Please correct the {$2.00}, XXXX balance on my account to {$0.00} immediately, as I should no longer have a balance as all merchandise was returned. I called four different times and all four times the people on the phone assured me that they will send a ticket to the XXXX or it department and they will set the balance to {$0.00} since I returned all purchased merchandise.
Product: Credit card

Name : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Date of Birth : XX/XX/year> Last 4 SS : XXXX To Whom It May Concern : Account Name : Navy Federal Account Number : XXXX XXXX I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting a past due balance of {$10000.00} _According to the FCRA , I have the right to an accurate credit report. Please remove this account immediately from my credit report. 
Please provide me a copy of my new credit report reflecting this account removed upon completion Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I set up an AutoPay for my mortgage with Loan Depot through my XXXX XXXX XXXXXXXX checking account via their website. This AutoPay should of paid the XX/XX/2021 payment. Loan Depot did not post this autopayment and subsequently sent to the credit agencies a delinquent payment notice. 

Loan Depot sent a late payment notice dated XX/XX/XXXX, which I received on XX/XX/XXXX, and I quickly called Loan Depot customer service and spoke to XXXX, ID XXXX. He informed me that Loan Depot did not credit my account with the AutoPay for either XX/XX/XXXX or XX/XX/2021 payments. He did not have an explanation why Loan Depot did not post the AutoPay since he saw that the AutoPay was set up on XX/XX/XXXX. He did remove the late fee for their error, however. That day I had XXXX XXXX XXXXXXXX make two payments for XXXX and XXXXXXXX XXXX mortgage payments which brought my account current. 

During this period, I have been applying for a new 12 month construction loan with XXXX XXXX XXXX, Idaho. They informed me that my credit scores have dropped over a 100 points because of this delinquency from when they gave me the initial credit approval to the final mortgage approval, and that the interest rate for the final 30 year loan will have a big hit on interest rate that they can provide. With this news I applied with XXXXXXXX XXXX for this construction loan. They declined my mortgage request because of this delinquency. 

I have sent two certified letters to Loan Depot Dispute Department, XXXX New Jersey, on XX/XX/XXXX and again on XX/XX/XXXX to dispute this delinquent mortgage payment. I just received their response in the mail on XX/XX/XXXX where they declined my request to withdraw the credit notice to the credit reporting agencies. It took almost 7 weeks for them to respond. I requested a phone call to discuss their error, which they ignored. This error will cost me significant financial harm if not corrected
Product: Checking or savings account

I went to XXXX XXXX on Saturday XX/XX/XXXX to get my ears pierced. The piercing was free but the earrings were {$79.00}. With tax the total amount due was {$91.00}. I was charged twice .The duplicate charge never disappeared from my account. It was for {$91.00}. I called XXXX XXXX and they told me to talk to my bank ( USBank )
Product: Debt collection

On many occasions I have received calls from CRG ( XXXX ) threatening to garnish my wages for a debt. They have numberous voice messages on my cell phone and even left messages or has spoken with my family members and threatened them as well. The most recent voice messages was left on my work voice mail. I returned to call the and spoke with XXXX and she stated that she was working as a mediator for this company and she was trying to help me get this matter resolved before she processes paperwork for garnishment and someone would be delivering warrants to my address. I have check all three credit reporting agencies and I do not have any outstanding debt owed to any company. I have checked with several of the local court systems and they do not have any opened citations related to my name. How do I get these messages ( threats ) to stop?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Trans union several other credit companies and there is some incorrect information on my credit report. My first issue is there are several inquires on my credit that i did not authorize, and did not give any consent to having those companies pulling my credit causing hard inquiries. I have asked the credit companies and sent several disputes to remove these inquires due the credit error that they had in 2016 and they are still on there.
Product: Credit reporting or other personal consumer reports

Company reported on my credit report 120 days late. Name of company Mr.Cooper, who I never had a mortgage with. And the steps were incorrect. Please help fix this problem. Cant refinance
Product: Credit reporting or other personal consumer reports

I contacted each phone number on my credit report that was an issue asked them to remove the incorrect information and enquiries.
Product: Mortgage

In XXXX 2015 I refinanced my home through XXXX Lender for {$280000.00}. Subsequent to this, the loan was purchased by XXXX and servicing was initially provided by XXXX XXXX Loan Servicing Division. The first payment was due XXXX/XXXX/15 and XXXX serviced the loan through XXXX/XXXX/15. For some unexplained reason when I reviewed my payment history online, {$83000.00} had been added to the principle. It is obvious that something was wrong as the note and all my docs clearly show the borrowed amount as {$280000.00} ; Even XXXX XXXX account history shows the initial {$280000.00} as well as the addition of the {$83000.00} about 2 weeks later. I brought this to their attention and after many, many communications they said they resolved the issue and adjusted my account accordingly on XXXX/XXXX/15 ( I have included a copy of the payment history from Impac ). Their explanation was that somehow my loan docs had been mixed up with another and caused the addition of the {$83000.00}. About the same time they said the matter was resolved, they coincidentally transferred the servicing of my loan to Specialized Loan Servicing ( SLS ) which began on XXXX/XXXX/15. In reviewing my account with the new loan servicing company SLS, the {$83000.00} has been suspiciously attached to my account again. On top of all this, SLS now has my property confused as being in XXXX County instead of XXXX XXXX County for my escrow account tax payments. SLS customer support told me they will look into it, but something is just not right. I feel like someone is trying to hide this {$83000.00} back at XXXX or XXXX, which are both part of the same company. I am very disturbed by all of this and would like some help in finding a resolution. I have attached an account summary from SLS to show the current amounts they list as well as the payment history from XXXX XXXX to show the suspicious addition and deletion of the {$83000.00}. Thank You.
Product: Credit reporting or other personal consumer reports

I have disputed these two XXXX  accounts on my credit report. The accounts continue to state verified as correct but then updates are made to some sections. The last times was through this same system confirmation # XXXX. And the information is still reporting and reporting incorrectly. 
To keep validating an account and then making updates shows the lack of accuracy in the reporting and its damage is causing lots of turmoil to my household
Product: Money transfer, virtual currency, or money service

Hi Sir, I would like to file a complaint against Wise US Inc . 
I was victim of a scam. The scammers robbed me XXXX USD from my Wise account. I complained to Wise and the final answer was that I will not be refunded. I believe I should be refunded. Below you find more details. 

I tried to make several XXXX transfers from my XXXX  bank account ( XXXX XXXX ) to my Wise account. Due to the international sanctions applied to XXXX, it was extremely difficult for me to get these transactions done. XXXX  scammers approached ( pretending to be from the Customer Service ) me and told me that they could help me to finish this process. They said all I had to do was to transfer money to one Wise account and then I would get all my transactions done. So I transferred XXXX USD to another Wise account ( transaction number # XXXX ) and then I realized I was a victim of a scam. As soon as I realized I was a victim I contacted Wise and filed a report to the local XXXX  authorities. 

After some investigation Wise confirmed the scam and denied my right to get a refund. 
As I'm a resident from XXXX, I also tried contacting XXXX XXXX XXXX and ask for a refund. But they responded that since the transaction was carried out in USD, they can't help me. They said I should report to the US Wise team, because the transaction was carried out in USD. 

I believe that since I am a victim, and the scammers used an Wise account to carry this scam, Wise should refund me 100 % of my loss. 

Attached to this file you find : - A police report ( XXXX  ). It is in XXXX. But I can provide translation if required. 
- Conversation screenshots where the scammers tell me I need to use Wise to get help. 
- Scam transaction pay receipt. 
- Official response from Wise XXXX ( where Wise XXXX are ) based team where they confirm I was a victim of a scam but can't refund me. 
- XXXX Video Call record. Since the scammers contacted me through XXXX, for safety measures I decided to record the video call. There you find the exact moment I realized it was a scam.
Product: Credit card or prepaid card

XX/XX/18 I applied for Capital One Card. No foreiegn transaction fees. 
I unfroze my XXXX file to allow XXXX XXXX to access. You receive a code. 
The " customer service rep was informed. She took all my other pertinent information She never took my code! I offered he -are you ready now for the code. She ended application never taking code. 
I was turned down ( of course ) and have sent letter to XXXX One-they need train their staff!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the past few months I've reached out to both XXXX and Experian regarding inaccurate information reporting on my credit profile thats affecting me from obtaining anything. Both companies NEVER sent me the proper documents that was asked proving that I was ever late on two accounts ( XXXX XXXX and XXXX XXXX XXXX XXXX ) and also about an account that's not even mine ( XXXX XXXX ). I have sent them several certified letters asking for proof and I have not received the information asked to prove to me that I was late. They are reporting inaccurate information on my credit profile. I have NEVER been late on my Bill 's in fact I have them set up on automatic payments every month. I explained that to them and they refuse to send me what I asked showing that I was ever late because by law a notice suppose to be sent to the consumer before a late is reported to the credit agency per the law.
Product: Credit card

Multiple payments were made to my account, were then cleared through my bank, and were then " put on hold '' by Capital One " for 26 days ''. No one there- including a " supervisor '' - could give me a reason why. In the meantime they have a loan from me.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

XXXX XXXX - Account Number:XXXX My parent has the same name as me. 

XXXX - Account NumberXXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX  - Account NumberXXXX Please supply information on how you have verified this item. 

XXXX  - Account Number : XXXX Please Update all payments, all pay was made on time. 

XXXX - Account Number:XXXX Please Update all payments, all pay was made on time. 

XXXX XXXX XXXX XXXX - Account Number:XXXX i don't recall having late-payment on this account
Product: Credit reporting or other personal consumer reports

im 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. 16811 ), 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 : Disputed Inquiry :
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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
Product: Debt collection

I do not owe Americollect. I never had a contract with them.
Product: Credit reporting or other personal consumer reports

Discover bank is a fraudulent account and. XXXX  to be removed immediately This account wasnt authorized by me
Product: Mortgage

We have been solicited by our current servicer, JP Morgan Chase for a HARP refinance. The loan is owned by XXXX XXXX ( XXXX ). Last year and again this year, we submitted our application over the phone and supplied Chase with all documents as requested. We have a HELOC with XXXX Bank, and understand that loan would need to be subordinated. In XXXX, Chase denied our loan stating that XXXX did not respond to their request for subordation. According to XXXX, Chase ( via their title company, XXXX XXXX ) never contacted XXXX Bank. At that time, we were offered a standard refinance at a higher interest rate and significant out-of-pocket closing costs, including an appraisal, title search, etc. In XXXX XXXX, after numerous solicitations, we applied a second time for a HARP refi, and were assured that the issues that occurred previously would not happen again. The last communication we received from Chase was on XXXX/XXXX/XXXX, via secured email in response to my email requesting an update on the process. In that email, XXXX XXXX at Chase Bank indicated that he just received request from his processor that XXXX was requesting income verification and a copy of our Hazard Insurance XXXX. We supplied all of these documents on XXXX/XXXX/XXXX. Since then, again, we were notified by Chase over the telephone that our refinance loan was withdrawn because XXXX was requesting documentation that Chase could not or would not provide. We contacted XXXX directly and were told that they requested from Chase, through XXXX, either income verification and an appraisal OR a written request from us as borrowers to reduce our Line of Credit limit to equal the current outstanding principal balance. We agreed to those terms, notified both XXXX Bank, Chase and XXXX XXXX of our intentions and received an email back from XXXX indicating that the " title order was cancelled ''. We have had no further communication from Chase either via US mail or electronically, that there were any issues or concerns with our loan application.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I looked at my report. I sent a letter to XXXX on XXXX XXXX asking them to reinvestigate these accounts : XXXX, and here is my account number : XXXX XX/XX/XXXX, they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this is supposed to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

Under the Educational rights and privacy act of 1974, the financial company that i initially had dealings with has consistently reported information concerning this account to third parties... Also under XXXX
Product: Credit reporting or other personal consumer reports

I paid the XXXX account through TrueAccord and received a settlement letter. However, the XXXX hasn't updated the correct balance. Despite confirming my XXXX balance over the phone, they keep reporting otherwise to credit bureaus. I received written confirmation of my account status. I've also disputed this issue with XXXX several times, but without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of XXXX XXXX Inquiry Issue. I called then and the representative refused to help me. 

The following inquiries are on my report and were not made by me. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX/XXXX XX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX/XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXXXX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX So many are duplicates as well.
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for over a year that don't belong to me. 

XXXX XXXX {$230.00} opened XX/XX/XXXX XXXX XXXX
Product: Debt collection

Requesting original contract, creditor information, payment history and proof of ownership for the debt amount of {$1000.00}