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

I made a deposit of XXXX AUD to Gemini Trust company on XXXX XXXX. 

On XXXX XXXX, I received an email from them stating they received the funds and the deposit was failed as the funds were sent from a business account. In the email, Gemini stated the funds are going to be returned. 


After XXXX MONTH of waiting, the funds are still holding by Gemini and are NOT returned back to me. During the past month, I have emailed them more than XXXX times and only early XXXX emails were replied to.

Gemini is currently holding my funds without responding to my emails. I wish you can help me to get my funds back from Gemini Trust company.

Please find an email attached as proof of receipt of my funds by Gemini.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$2900.00} - This account currently reports information illegally. An account having a status of 120 days late is already a charge off account under the Federal Reserve and Federal Insurance Act, and yet you continued to mark this account as 120 days late. I request a thorough investigation and an update must be made with lawful accuracy. Regards. 
XXXX XXXX XXXX Balance : {$16000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 
XXXX XXXX Balance : {$15000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Product: Student loan

My loan from Heartland ECSI qualifies for cancellation as I am a XXXX XXXX XXXX. I submitted and had all my paperwork accepted last year. This year they have denied me THREE times. Each time I call and a representative tells me I am missing some small thing. I am forced to contact my HR, have all the paperwork redone and resigned, have the paperwork sent to me, and remail all the paperwork in. Each time the representative promises me all the steps are complete and each time it is denied. They are running out the clock on my loan grace period now and I will soon have to make payments on a loan I should receive forgiveness for, often when I call they can't access my documents and make me call back and sit on hold for up to an hour so they can again tell me they need something new. At this stage the state that my job description doesn't say " XXXX XXXX XXXX '' because I work in a XXXX XXXX XXXX, and it says " XXXX XXXX population '' so I submitted a letter on letterhead stating I am a XXXX XXXX XXXX and they denied it AGAIN. I can't force my XXXX to rewrite a job description. They are clearly doing all they can to run out the time so I have to start repaying the loan. This is unethical to the extreme.
Product: Checking or savings account

XX/XX/2021- {$50.00} I opened a dispute case and PayPal wasnt or couldnt help me supposedly. So they closed the case and said it was unauthorized so they couldnt do anything I just need my money back I got scammed and didnt or wasnt thinking at the time.
Product: Debt collection

Dear NATIONAL RECOVERY AGENCY/ XXXX XXXX ; I was really shocked and surprised over the weekend when I refresh my credit and noticed an account from XXXX XXXX  that was originally removed from my credit with debt buyer XXXX XXXX XXXX XXXX Now it has a different account number and a " OPENED DATE '' of XX/XX/2021. I'm certain that this is a violaiton of both fcra and fdcpa and I never had any prior relationship with either of these companies listed. 

Again, I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

date is XX/XX/23 old address and names and my last social on my credit report ..i send them my id a bill with my address and my social ..i send them a letter to delete..
Product: Bank account or service

Bank of America has charged me in excess of {$2500.00} in NSF fees in the past 12 months. Recently, they charged me {$170.00} in under 48 hours before my direct deposit came through and paid the balance well into the positive. I have filed XXXX complaints, spoke with corporate and they refuse to give back my the money they took. This new form of payday lending is outrageous. For under {$100.00} in overdraft I paid back the {$100.00} plus {$170.00}. They know that most overdrafts are under {$25.00} yet they will charge you {$35.00} four times in one day like they did to me from XXXX/XXXX/16 to my payday XXXX/XXXX/16. I waited on hold for over an hour. I asked to speak with a supervisor, again on hold. The game is to see if they can get you to give up because they know from your direct deposit that you must be at work and that 99 % of people ca n't spend an hour at work on the phone with them. 
It is high time that NSF fees be looked at as percentage of overdraft instead of a flat fee. A 48 hour loan of {$100.00} should not cost {$270.00}!!!!! Stop allowing the loan sharking!!! The only person who benefits from NSF fees are middle management and up. They do this to millions of people a year!!!! Do the math on XXXX XXXX people charged {$2000.00} per year in fees - it is crazy!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.
Product: Debt collection

My identity was used for an application at an apartment complex. I had no idea. I have never been associated with this apartment complex and later found out my data was leaked in an XXXX XXXX XXXX breach. I filled out and followed the steps outlined at identitytheft.gov. I then called the debt collector stating that my identity was stolen, I dont know who applied for this apartment. Ive never been associated with that address. The debt collector advised they would be sending me some paperwork, and I would need to get it notarized and send them a bunch of copies of some utility bills showing my address and proof of homeownership. I never received the documents at my address, and it is still listed as a collection on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company called XXXX is attaching a collection to my credit report on both Equifax and XXXX. They say its for a commercial loan to XXXX XXXX. It would have been for a commercial loan to a dissolved company. To get around the consumer credit rules these companies are reporting it as collections to the individuals. The loans are unsecured purchases of receivables. When the companies go bankrupt they use this tactic to affect the individuals credit.
Product: Vehicle loan or lease

The fiance company honor fiance company took the car to fix it cause it shut off on me on the freeway In front of a 18 wheeler. Return the car two months later still not fixed. We i had them come get the car one year ago i only olded them 3500 or less now they double the price of the car and the have the car back since XX/XX/2017. The dealership who sold me the car told me there was a recall on the air bag which was a lie the air bag was deployed when they sold me the car tried to not keep the car the same day of purchase but he at XXXX XXXX XXXX said he could have aold the car and didnt want yo refund my money before i took the car off the lot. Contact the fiance company same day of purchase XXXX was the one told me that the air bag was deployed he ( XXXX  ) at honor fiance tpld me to trade ot in but no one wanted it for a trade cause they said the car was not worth the equity of the car
Product: Credit reporting or other personal consumer reports

The hard inquiry on my account was made fraudulently. It was made by FRAUD. XXXX and XXXX have already removed it. XXXX and XXXX XXXX  has already reached out to Transunion to let them know that I was not associated with that hard inquiry. Every party involved has already disconnected me from the hard inquiry. Transunion is refusing to do the right thing and is keeping a proven fraudulent hard inquiry on my account. Take it off my account. I refuse to accept anything less.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is paid in full 100 % payment history!
Product: Debt collection

I get numerous calls per day from what the Caller ID say Portfolio Recovery. Some days I get approximately 8-10 calls in a day. The actual phone number is never the same so blocking the number has not stopped the calls. Please help! Thx!
Product: Credit reporting, credit repair services, or other personal consumer reports

Merchant took exceptionally long time to process crediting my account. The account XXXX XXXX XXXX ending in XXXX should reflect a XXXX  balance.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXXXXXX 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: Bank account or service

I work XXXX in XXXX New York XXXX. With the new credit card readers, customers of XXXX Bank and First Niagara often find it confusing to use their bank/ATM card. XXXXFirst Niagara charges a fee to use a bank card as a debit card, but when a customer swipes their card, XXXX options appear, XXXX XXXX and XXXX XXXX. Customers naturally choose the XXXX XXXX option but find that at that point in the transaction, they can not use their cards a credit, and have to use them as a debit card and pay a fee. While many customers reverse course and hit the international XXXX option so the cay pay for their groceries without having to pay the bank a fee, many customers presumably in a hurry or just frustrated and confused, decide not to bother with swiping their card again and just choose to use the card as a debit and pay the bank a fee. Customers who do cancel their transactions and start over complain about this set up and often ask me " Why do I have hit international XXXX just to use credit, I am from the XXXX, that makes no sense ''. They say they have complained to their banks, to no avail, with the banks citing the stores card readers at fault, but they are the only bank 's whose card works like that, and customer have complained about similar experiences happening at other stores. I believe that First Niagara and XXXX intentionally set up their debit cards to work like this, so that they could confuse customers who otherwise would have not entered their pin and avoided the fee. If so they are defrauding consumers and engaging in a manipulative tactic in order to squeeze money out of people.
Product: Debt collection

This letter is in response to a letter received by XXXX XXXX XXXX on XXXX XXXXXXXX XXXX. Apparently, Capital One has sold this account to them, a XXXX party interloper, and it is my belief this is a fraud. Since there is no signature on the documents they have sent me, who is accountable for this contract I am being offered? If they can state their claim & provide that contract I have with them whereas there is a wet ink signature from the Claimant & someone From the RESPONDENT, I would be happy to settle this alleged account. 
I requested VALIDATION and PROOF OF CLAIM made pursuant to the Fair Debt Collection Practices Act and Fair Credit Billing Act. 
.I respectfully requested that their offices provided Claimant with competent evidence as per the Declaration and Proof of Claim that I have any legal obligation to pay them the unsubstantiated alleged debt. 
Also, be informed that, for 3 years, their offices have been reporting non-validated information to the XXXX major Credit Agencies, XXXX, XXXX and XXXX prior to validation and proof of claim of the alleged debt, which I also believes constitutes fraud under both Federal and XXXX State Law. And also has caused me significant financial harm and denial of credit. 
Due to this fact, these negative marks found on Claimant 's credit reports by their company and I retain the right to explore options regarding action against them in accordance with Violation of the Fair Credit Reporting Act as well as Violation of the Fair Debt Collection Practices Act, and United States Code TITLE 18, CHAPTER 63, Sec. 1341. 
XXXX XXXX XXXX sent XXXX identical letters in response to previous CFPB complaints, XXXX on or about XX/XX/2023 and XXXX on XX/XX/2023, and not once did they provide Proof of Claim of the alleged debt. Therefore, the debt is considered to be invalid, and any documents that they sent me will be returned to them as refused for cause without dishonor upon proof of claim Their office never produced the required documentation in accordance with FTC guidelines and has taken actions which was and is detrimental to Claimants private commercial affairs and credit reports. These actions are a dishonor. 
XXXX XXXX XXXX failed to provide VALIDATION and PROOF OF CLAIM.; made a false representation of the character of the referenced alleged debt and, made a false representation of the legal status of the referenced alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

EQUIFAX ADDRESSES : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : 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 NAME : XXXX A XXXX  XXXX XXXX : XXXX AND XXXX XXXX XXXX KS XXXX ADDRESSES : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS 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 ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KANSAS XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX EMPLOYERS : XXXX XXXX XXXX XXXX INQUIRIES : XXXX 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 COLLECTIONS : 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: Debt collection

I have several hard inquiries that I do not recognize a would like them removed.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), an credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), an credit card account opened at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), An credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), An credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), An medical account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ) with a balance of {$7700.00} and a mobile phone account with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with an account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections/reporting appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 602 A states : It also states a consumer reporting agency can not furnish a account without my written instructions