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

Gemini Trust Company LLC is an exchange they sell cryptocurrency I had 2 purchases with them XX/XX/XXXX and XXXX of {$5000.00} a piece bank transfers to them I'm not sure if they were domestic or international I have looked them up and they have 3 addresses in XXXX the one that is used most often is XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX I bought 2 bitcoins worth off them for {$10000.00} combined price I have a web page with them showing the amount and all the transactions but it won't let me take them out they are holding them they said the money has cleared but I can't take them out and transfer them to my wallet ( it's a cryptocurrency device ) I have called them at their number XXXX but it's a recording you can't leave messages or email them direct you have to go through their website to message them and they don't return messages I've looked around the web and found a lot of negative feedbacks about this same problem people say they were scammed by them
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$1800.00} XXXX XXXX XXXXXXXX {$23000.00}
Product: Payday loan, title loan, personal loan, or advance loan

I have been threatened by this company that they will press charges against me for bad checks. I have reached out by phone and email to let them know when I am not able to follow through with a payment schedule and ask to push the payment back to another day. The representative told me he will file 2 charges against me because processing a debit card payment is a financial instrument and that would qualify as me writing a bad check. This is harassment- they also said that my emails wont hold up because they dont communicate via email. They are harrasing me and my family members
Product: Credit reporting or other personal consumer reports

My legal name on my birth certificate and social security card is XXXX XXXX XXXX XXXX On the accounts listed below there are inaccuracies. 
In accordance with the Fair Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX  Account number- XXXX Account name : XXXXXXXX XXXX Account number- XXXX Account name : XXXX XXXX XXXX XXXX Account numberXXXX XXXX Account name : XXXX XXXXXXXX Account number- XXXX Account name : XXXX XXXX XXXX Account number- XXXX Account name : XXXX XXXX XXXX Account number- XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number- XXXX Account name : XXXXXXXX XXXX XXXX Account number- XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Selection 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These inaccuracies are stopping me from attaining new auto loans, credit cards, and funding for me and my family to provide a better life here in America.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 g ( a ) ( 1 ) I requested a copy of my credit file from both XXXX and Trans Union.
XXXX responded with a copy of a credit report.During my discussion with their customer service and supervisory people. I was informed that the file and report were the same thing ; and that the my file belonged to XXXX ; and that I have no right to it.I replied that the information is mine ; and the statute mandates that they provide it upon request. They stated that would not ; and that I would need to sue them ; and then subpoena the file.
Trans Union did not reply at all to my request,.
Product: Credit reporting or other personal consumer reports

The INQUIRIESlisted below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Ohio XXXX XXXX ( XXXX ) XXXX XX/XX/year>XXXX  Subject : Dispute of Billing Error 15 U.S. Code 1666b Dear Sir/Madam, I am writing to formally dispute a billing error in my credit card account referenced above. As per 15 U.S. Code 1666b, which outlines the procedures for disputing billing errors, I am notifying you on my recent credit report. 

The error pertains to late payments charges for accounts below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 U.S. Code 1666b, I request that you investigate this dispute and resolve the billing error within the required 2 billing cycles or 90 days, whichever is sooner, as specified in the law. Furthermore, I expect the disputed charge to be either corrected or removed from my account while the investigation is ongoing. 

As a consumer, I am entitled to protection under this law, and I trust you will take the necessary steps to ensure compliance with this federal regulation. Please confirm receipt of this dispute and keep me informed of the progress of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

In XXXX  2023, I applied to an apartment complex but was denied because Collections USA INC is reported on my XXXX and XXXX credit report. I contacted the Collections USA INC company and was asked to provide the last four digits of my social security number and date of birth. Upon rendering the information, the representative stated that Collections USA INC did not have a record of me owing a debt to said company then suggested that I contact the credit bureaus to have the information removed. I contacted XXXX whom stated that they would reach out to the collection agency to have it removed and suggested that I reach back out to the collection agency as well. When speaking to the same representative at Collections USA Inc for the second time, he then asked me for my personal information again and stated that the debt did in fact belong to me. I stated what the person at Collections USA INC had told me the first time I called which was that the said company did not have a debt on record for me. The representative from Collections USA INC told me in order to have the debt cleared, I would have to file a police report even though Collections USA did not furnish proof that the debt is mine. I sent in a certified letter to Collections USA INC but have not received the information requested as far as validation of the debt the company has reported to XXXX as well as XXXX.
Product: Checking or savings account

I arrived into Ga XX/XX/XXXX anxious to start a new life. I was working at XXXX XXXX XXXX XXXX. In which I opened an account at Bank of America. In XX/XX/XXXX I went online to seek opportunities for part time work. I saw some apps for XXXX XXXX. I applied for one thinking that it was legit. It sounded like something that would fit my current work schedule. After submitting my application I received an email stating that I would receive further instructions in mail. A couple of days later I received a check which looked vety authentic and step by step instructions telling me to deposit check, take money out and go to XXXX, purchase a item etc. I anxiously, not stopping to think it could be a scam, went and deposited the check into my account. When I got back home I reread the instructions over and over again finally realizing it was a scam. I immediately called BOA explaining the situation asking if the check could be rejected. The person informed me to call first thing the next morning. The next morning I checked my account and it had been locked. I called and the person explained that my account had been closed and I could never open an account with BOA. I had no idea that my name had been submitted to a list for fraudulous activity. If you check my background you will find no history of closed accounts, outstanding checks etc. Also check my activity with XXXX XXXX and XXXX XXXX XXXX. 
I recently opened an account with XXXX XXXX only to have it rejected due to the previous incident. Please ma'am or sir I was a victim of scam activity. I work hard every day and would never intentionally pass a counterfeit check. I need help in getting this matter cleared up. I WAS AN INNOCENT VICTIM. 

THANK YOU XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX on this XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by 5 p.m. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by 5 p.m. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. This is not a third party submitting this. I have been denied from moving my family into a home, because I was told that I had so late payments and delinquent accounts on my credit report. I would like a copy of the internal records of these reports because it is not accurate. And if the records can not be produce. Please remove the inaccuracies immediately. For it is damaging my reputation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution & Zelle failed to investigate my claims adequately. They said recovering lost funds was impossible tracking said funds was unfeasible. The cfpbs findings indicate that zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.
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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 

XXXX XXXX XXXX Account Number : XXXX If furnisher is unable to provide the original contract and consumer credit application bearing my wet ink signature, I demand this account be DELETE FROM MY CONSUMER REPORT IMMEDIATELY! 

Pursuant to the FCRA & the FDCPA I respectfully request to be provided proof of this alleged item, specifically the ORIGINAL contract and application, note or other instrument bearing my WET INK signature. Failing that, the item must be deleted from the report as soon as possible. 

This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. THIS ACCOUNT IS EXTREMELY DAMAGING TO MY REPUTATION AND HAS COST ME STRESS AND OPPORTUNITIES! 

Under federal law, you have thirty ( 30 ) days to complete your investigation or I WILL FILE FOR LITIGATION in federal court!
Product: Mortgage

I have an escrow account for Homeowner 's insurance and property taxes. I discovered that they never paid my renewal to my homeowners and missed the due date for the installment of my property taxes.
Product: Credit card or prepaid card

Let me begin by stating that I, as the natural person is the original creditor, and credit is my RIGHT granted pursuant to 15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term person means a natural person or an organization ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. ( g ) The term creditor refers only to a person I would like to inform the Consumer Financial Protection Bureau of the violations of this company under the Truth In Lending Act ( TILA ) & the Equal Credit Opportunity Act. I applied for an extension of credit on XXXX2021 and engaged in a consumer credit transaction pursuant to 15 USC 1602 ( i ) and was denied extension of my credit by this company. This company has violated 15 USC 1681a ( k ) ( iv ( II ) & 15 USC 1691 ( d ) ( 6 ) - Adverse Action, because the action that this company took was adverse to the interest of myself, the consumer. I have included the law here for reference. 15 U.S. Code 1681a ( k ) Adverse Action. ( iv ) an action taken or determination that is ( II ) adverse to the interests of the consumer. Let me remind this company that pursuant to 15 USC 1602 ( j ) I have an open end consumer credit plan in which I am able to contemplate repeated transactions. There is no limit to the amount of credit I am able to extend myself as the original creditor. I contacted this company on XXXX2021 afternoon and spoke with XXXX XXXX to inform this company of their violations and to reconsider their determination of my application to prevent further concerns. I was met with harassment and further violations and this company refused to extend credit to me. I would like to further remind this company that they are in violation of 15 USC 1691 ( a ) ( 3 ) as this company has discriminated against me for my attempts to exercise my rights under 15 USC 1691- Equal Credit Opportunity and extend credit back to myself. It is discrimination for a creditor to invoke adverse action for a credit consumer transaction if that transaction was in part due to a consumer report. I have included this law here for reference 15 U.S. Code 1691 ( a ) Activities constituting discrimination ( 3 ) because the applicant has in good faith exercised any right under this chapter. As you can see Consumer Financial Protection Bureau, This company has violated my rights as the natural person and a consumer. This company is held liable under 15 USC 1691c ( 1 ) ( A ) ( B ) and they are held liable for their discrimination and violations under the Federal Deposit Insurance XXXX, in addition to 15 USC 1691c ( c ) they are held liable under the Federal Trade Commission XXXX. Before I continue to file for monetary damages because I, the consumer, have been mistreated by this company and they are held civilly liable under 15 USC 1691e ; I would like to hear their response in hopes that they reconsider their position. - I have also included the letter that was giving to me when I applied of their violations for reference for this company Sincerely XXXX XXXX
Product: Prepaid card

My account was terminated for no reason. I asked for a refund and to have the account closed. They buried me under a mountain of identity requests that I found excessive. Dated XX/XX/XXXX XXXXAmountXXXX dollars. I talked with their customer service rep and told they could do nothing. 
The company name is Netspend
Product: Mortgage

I have a VA loan with Wells Fargo, XXXX # XXXX. Our loan payment increased from {$380.00} to {$470.00} from XXXX to XXXX. This occurred because of increases to our escrow account. This I believe was due to XXXX XXXX XXXX company annually increased the cost of the our Home Owner 's policy. By XXXX it rose to nearly {$2000.00} per year. 

Our home is a single story brick home with XXXX bedrooms and XXXX bathrooms We purchased the home for {$54000.00} in XXXX and moved in in XXXX of XXXX. 

In XXXX of this year I wrote a letter to the Monitoring Unit at the XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX regarding the above noted issues. I have not been contacted by the XXXX. 
We would like to return to the payment of {$380.00} per month. Also we would request that the amount of difference in the two amounts be retuned to us for the years of XXXX and XXXX. 
Thank you for your help. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AZ, XXXX Phone : XXXX
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 Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  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 reporting

Equifax is reporting a XXXX account ( beginning with XXXX ) with negative information for which I was only an authorized user. This account was my wife 's account and I had no payment responsibilities at all. I have disputed the account with Equifax XXXX and also directly with XXXX. XXXX have correctly removed this account from my credit report, but Equifax has failed to do so in spite of my attempts to correct the erroneous reporting. This negative reporting is affecting my ability to obtain necessary financing.
Product: Credit reporting or other personal consumer reports

I submitted Account Disputes to Experian on XX/XX/XXXX disputing their report of my XXXX loans. They are double reporting all of my loans, resulting in a report of double the debt that I actually have. XXXX transferred my XXXX loans to XXXX in XXXX and Experian is reporting that I have XXXX loan debt with both XXXX and XXXX. They should only be reporting my XXXX XXXX  loan debt as the debt was transferred from XXXX. Experian claimed that their information was correct and continues to report that I have loan debt with both XXXX and XXXX as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In regard to my credit profile having my identity stolen due to the credit breach that occurred with this company. I see a lot of inaccurate information on my credit report that doesn't belong to me. With some of the accounts not belonging to me at all & other accounts going against Federal Regulations. I was promised the maximum possible accuracy on my consumer report pursuant with 15 USC 1681 E ( B ). I have attempted to get this taken care of with the reporting agency on multiple occasions via phone ( contacting the fraud dept. ), email & dispute letters. This company is in violation of multiple laws including 15 USC 1692 E in violation of allowing someone to falsely trying to misrepresent themselves as having an account with me & not accurately verifying this information as I requested on several occasions. The companies that I'm requesting be investigated are as follows ; XXXX Bank ( XXXX different account reporting ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , I want to request all invalid/inaccurate allies to be reported in addition to addresses that don't belong to me ; XXXX XXXX XXXX XXXX Addresses are as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent out disputes to the credit bureaus about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed an ftc report to document this and would like you to help me resolve this matter.
Product: Mortgage

This is a follow-up about my original complaint # XXXX. 

Please see the new attached mortgage statement from SLS. This is worst than a fraud. 

This is very concerning to us because we just received a bogus outstanding principal balance statement from Specialized loan servicing and XXXX XXXX. To that point, we really don't know who hold the title of our mortgage. On XX/XX/2022, we were required to pay a lumpsum of {$42000.00} by SLS and we were told to wire the money to XXXX XXXX. We did wire that money.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPLIFT INC. ACCOUT NUMBER XXXX. IS REPORTING ON 1 CREDIT REPORT THAT I WAS LATE XXXX OF XXXX BY 30 DAYS. THIS IS INCORRECT AND THEY HAVE YET TO REPLY OR FURNISH ANY PROOF THAT I WAS LATE