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

Complaint Against Payward Inc. DBA Kraken Exchange Issue : Lack of Working Support and Unresolved Account Issues Details : I have experienced significant difficulties with Payward Inc. DBA Kraken Exchange . Specifically : Support Phone Numbers : None of the support phone numbers are functioning. Calls are either unanswered or met with prerecorded messages instructing me to use the chat function. 
Chat Support : Despite daily attempts to resolve my issues via the mobile app chat function, responses are generic and unhelpful. They include phrases such as " rest assured '' and " we will be with you asap. '' I have received no ticket confirmation or proof of my support requests for over two weeks following my initial ACH transfer. 
Account Verification : I received a template response asking for information I had already provided, including proof of residence and citizenship, weeks after my account had been verified. Despite submitting my passport again as advised by chat support, I have received no further communication. Additionally, my documentation was marked as " redundant '' in the upload section after review. 
Account Restrictions : My only interest is in purchasing cryptocurrency and transferring it to my private wallet. Initially, I was informed this would not be possible for 72 hours, but this period has now extended to three weeks without resolution. 
Request : If Kraken Exchange does not wish to continue business with me, I request that my funds be returned to my bank account and my Kraken account be closed. I have made three transfers totaling nearly {$1200.00} and have had no issues with other exchanges using the same documents and bank account. 

Conclusion : The lack of responsive support and unresolved account issues are unacceptable and feel akin to theft. I seek a prompt resolution to return my funds and close my account. 

Thank you for your attention to this matter.
Product: Debt collection

I received a call from XXXX and let it go to voicemail, as I did not recognize the number. The prerecorded message stated that I had an issue in their pre-legal department and that I could be taken to court if I did not place a statement on file. They did not state that they were a debt collector, not did they leave my name in the message so that I could verify that the message was for me. The message stated that I should have XXXX and reference a file number, which they did not include in the message.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This company was to provide a " line of credit '' in exchange for credit reporting. After approximately 3 months of service, a technical issue prevented me from logging into my account, The exact issue was that I would input my username and password and the system then says it is emailing me a code. This email never arrives and I am unable to go any further. The same issue arose when trying to " reset '' my password. 

During this time I was locked out of my account, my credit card on file was canceled by the bank and a new card resissued. This caused the payments to decline. DUE TO THEIR INTERNAL ISSUE I WAS NOT MADE AWARE OF THIS ISSUE BY EMAIL OR ANY OTHER WAY. When I discovered that XXXX, a " credit Building service '' had been reporting late payments on my credit reports, causing me great monetary harm, by the way, I immediately contacted XXXX. They have no live support, so you must email, I have saved all of the emails and will attach them. The customer service rep was able to resolve ( after several days ) the login / email issue. I asked the rep if they could remove the late payments on my credit report, and they refused. DUE TO THEIR SYSTEM!!!!
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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX  XXXX XXXX account # XXXX, dept of education/ XXXX Account # XXXX, 3.XXXX XXXX XXXX Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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: Debt collection

On Friday XX/XX/17, I received an alert from the credit bureau 's that I have a collection on my credit bureau from a XXXX XXXX. I not only did not receive any written notice of this debt, but was never given the opportunity to validate this debt. I contacted Midland Funding and was not able to have them validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX XXXX to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XXXX XXXX  Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX  DC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Bankruptcy Reference # XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX Balance XXXX {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$95.00} XXXX XXXX  Bankruptcy Reference # XXXX Asset Amount : {$0.00}
Product: Credit reporting or other personal consumer reports

Hello. I would like Barclays taken off my credit report. This credit has been open since XX/XX/XXXXand has been closed charged off by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/2023, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

Please send me The Account Statement fot both accounts. and XXXX to my address XXXX XXXX XXXX XXXX XXXX oh XXXX immediately. Thank you.
Product: Student loan

I had 2 Private Student Loans with Navient and I was forced to get a co-signer, my step-son, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The loans originally were with Sallie Mae. They forced me into Forbearance and loans kept incrementing. XXXX XXXX XXXX XXXX XXXX In XXXX - XXXX I was diagnosed with a serious health condition and wages were reduced due to so many not covered surgeries. In XX/XX/XXXX I was forced into XXXX XXXX Year after year I would try to get the co-signer released prior to my surgeries. After XXXX XXXX I also tried to get my step son off of the loan because he was in the process of purchasing a home and the loans were preventing him from purchasing a home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to file for divorce from my spouse of 20 years and had to refinance my home and add XXXX of the funds of the house to pay off the loans so that my step-sonXXXX  a XXXX, would be removed from the loan and the accounts would show he had XXXX on his credit reports a requirement to get 1approved for his XXXXXXXX XXXX Loan to purchase a property. I made numerous complaints to the XXXX Navient, the Atty General of my state and to CFPB. Nothing was done. I was duped by Navient. According to Navient they release the Co-Signer for on time payments of over 12  months & the following. 1 ) Proof of successful graduation, 2 ) Proof of Citizenship and 3 ) Proof of Income. Of course they refused time and time again to release my XXXX XXXX XXXX, from the loans negatively affecting his creditworthiness. Furthermore, they forced me to pay the PRIVATE LOANS which were listed in XXXX XXXX. Per your website, the Bankruptcy Code provides and that loan owners, lenders, servicers, and debt collectors honor that relief when a bankruptcy judge discharges a consumers debts. Navient did not honor the XXXX XXXX  and I did not want to negatively affect my Stepson 's credit and had to pay off the loans with monies I could have repaired my home after XXXX XXXX XXXX. This of course caused undue hardship since Navient 's action caused me undue hardship and increased my Mortgage by XXXX. Navient has had multiple lawsuits against them for their inaction. They did not send me any refund or anything after misleading me. They should not have forced me via duress to pay off the loans knowing they constantly misled me and failed to report payments to the bureau. Something stated in several class action lawsuits. I am attaching evidence of everything I am saying and my stepson ( cosigner ) evidence he is a XXXX XXXX.
Product: Credit reporting or other personal consumer reports

A premier credit card account is being reported by XXXX, XXXX, and Experian. 

This accounts last update occurred on XX/XX/year>. As per the information documented in the comments, this account was falsely listed as being compliant with FCRA regulations. Experian even attested to this, with records indicating supposed verification of reported data by the company. However, I contest the accuracy of this account.

Despite federal law obligating the furnisher to rectify and refresh the account, it persists with discrepancies, including missing, inaccurate, and inconsistent data, knowingly reported by the company. 

XXXX lacks payment history for this account, while XXXX and Experian display numerous inconsistencies in payment records.

All major credit bureaus exhibit deficient, inaccurate, or inconsistent data regarding this account. Accordingly, I request the deletion of this account due to inaccuracies and FCRA 623 violations.

According to the Duty of Furnishers to Provide Accurate Information : ( A ) Reporting information with actual knowledge of errors or after notice and confirmation of errors is prohibited.

If this account remains undeleted, I will presume willful noncompliance, subjecting the company to liabilities including actual damages sustained by the consumer and legal fees, as outlined in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening! I recently received a letter dated XXXX XXXX stating XXXX XXXX XXXX had furnished a CHARGE OFF to XXXX, XXXX, Transunion. I have already filed multiple disputes to remove the account starting and ending with XXXX. All three credit agencies failed to provide me with proper DEBT VALIDATION, and they all continue to reflect on my CONSUMER REPORT as a CHARGE OFF and I never received a IRS TAX FORM 1099c. 
With that in mind, I would also like to point out that my consumer information currently is not being accurately reported and is causing injury to my family by not being able to acquire goods and services I need for my home. I do currently have the vehicle I purchased in the consumer credit transaction dated on XXXX XXXX. I have a letter from XXXX XXXX stating that there is no lien/title for my vehicle, there is no remaining balance reflecting on my XXXX XXXX account but, XXXX XXXX did furnished " Charged Off '' and is now being adversely reported on my credit report as a Charged Off account. 
We are both aware that XXXX XXXX XXXX as well as all other businesses lawfully acting in commerce utilizes the IRS form 1099C Cancellation of Debt for the remaining debt obligation not recovered in the sale of the vehicles after repossession. From our limited knowledge and tax obligations for the year of XXXX, such an IRS form is then reported as " INCOME '' and not as a " DEBT '' on a consumer 's tax filing requirements. While the business can cancel/ write off the account receivable '' as a " BAD DEBT '' and receive a tax deduction as mentioned in the IRS Topic 453. This current issue of XXXX XXXX XXXX furnishing this inaccurate information on my consumer credit report is clearly not only going against the rules of construction in the area of " exclusions '' of " reports containing information solely as to transactions or experiences between the consumer and the person making the report '', This inaccurate information as to what the IRS Publication 4681 defines as " Income '' and not " Debt '' is being furnished to third party data furnishers as well. Perhaps this is a small oversight that XXXX XXXX XXXX is not aware of and can address quickly at no cost by submitting a request to XXXX, XXXX, Transunion, to remove this inaccurate derogatory account from my credit profile since the DEBT has be canceled and reported as INCOME as well as to stop the current injury so that I could continue to prosper just like you. 
With that in mind, If for some reason this is not the correct understanding of the " exclusions '' part in the construction of a consumer 's credit report with accurate information and the correct IRS reporting a " Debt '' charged off and reported as " Income '', please let us know with supporting details so that we can be better informed consumers and honest taxpayers. Thank you and I will be looking forward to a honorable response.
Product: Bank account or service

XXXX 's client, XXXX XXXX XXXX is an identity theft victim. Several credit accounts were established and attempted using his information without his consent. Once of these accounts was attempted with Barclay 's Bank Delaware. The attempt left an inquiry on his credit report that is related to the fraudulent activity. A dispute was sent by this office on behalf of our client to Barclay 's Bank twice in an effort to remove the inquiry as fraud related as outlined in the FCRA. Both times Barclays Bank has denied removal of the data stating the factor in keeping the inquiry listed is an email address that is not even correct for the client. I have explained to Barclay 's bank that per the FCRA a police report was provided indicting this attempt was fraud related however Barclay 's Bank is continuing to violate the FCRA.
Product: Vehicle loan or lease

I was denied credit by Lightstream on XX/XX/2022. I was discriminated against, and my federally protected rights were violated.
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> I noticed some things are incomplete and inaccurate. 
And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act Transunion and XXXX has violated my rights. 15 U.S.C 1681 section 602 A 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 please DELETE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy : Bankruptcy, XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXXXXXX {$2200.00}, XXXX XXXXXXXX XXXX {$450.00}. i didn't give transunion/ XXXX consent or written instructions to report the accounts listed above. Please respect my privacy and remove.
Product: Debt collection

I received a message from phone number XXXX stating that if I did not call " XXXX XXXX XXXX '' back at XXXX then paperwork would be filed with the county XXXX  where I live. I called the number back and was put on the phone with a " XXXX XXXX '' ( direct number XXXX '' who was very rude. He was very quickly stating information that I owed {$1400.00} to Ace Cash Express and that if I did not pay in full today, not only would paperwork be filed with county XXXX, but I would also have criminal charges brought for " check fraud ''. Mr. XXXX repeatedly hung up on me ( five times ) when I tried to get more information from him. He claimed I was issued certified letters which I never received or signed for. He stated I was being evasive and abusive by asking further questions. Because of his threats and intimidation, I did agree to make payment. I was transferred to " XXXX XXXX '' phone number XXXX to make payment. She stated I would have to call my bank because the charge was being blocked for fraud. It was eventually put through and my card was charged for {$710.00}. I then received an email from " XXXX XXXX XXXX XXXX '' asking for an electronic signature for the payment agreement. This did not match where the numerous people on the phone stated they were calling from. When I check my bank account activity, the payment shows it was charged to " XXXX XXXX XXXX '', also not where anyone said they were calling from. Since none of these names matched up and I had not gotten email confirmation/receipt for my payment, I called back to ask for clarification on where I just paid. I was again transferred to Mr. XXXX. He hung up on me for the sixth time of the day when I asked for more information. I then called Ace Cash Express who let me know that I did in fact have a balance with them, but it was only {$280.00}, NOT {$1400.00} as stated by Mr. XXXX. They let me know they sold the account to a " XXXX XXXX XXXX  '' phone number XXXX. I called XXXX XXXX XXXX  who let me know they did not hire any mediation firm and were not even actively collecting on the account. They stated they certainly had no plans of filing court paperwork or attempting to file criminal charges. They asked me for the information on who just called me which I gave. XXXX XXXX XXXX  does not recognize " XXXX XXXX XXXX  '' as anyone they work with. They told me I was likely scammed. I then called Mr. XXXX back who did agree to refund my card, but stated he was filing court paperwork to " have me prosecuted '', called me an " XXXX '' then hung up on me again.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX Account XXXX Putting previously deleted errors back on credit reports and failing to block identity- theft related information : Equifax did not have systems to detect information that was previously removed and block that information from again appearing on the consumers credit report. In addition, Equifax also had no process to identify situations where a consumer is forced to send another dispute about the same inaccurate information because Equifax failed to correct the information the first time, or because Equifax reported information that had previously been corrected. XXXX policies limited consumers ability to dispute inaccurate information being put on their credit report. Finally, Equifax reported credit information that it should have blocked because the information resulted from identity theft. 

This CFPB complaint has been filed to request pursuant to XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) that you, theEQUIFAX, block information appearing on my consumer report that is 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 with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my credit report impact to my score in my life
Product: Debt collection

This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed collection on my credit report with all 3 bureaus. I have made several attempts to fix these concerns with them. The company is violating my rights and Im entitled to {$1000.00} for the violation I list, which means they either pay me or delete the accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter along with a letter from the courts certified mail to dispute a bankruptcy on my credit report with XXXX, Equifax, and XXXX stating that the courts does not report any information to credit bureaus and is not responsible for verifying or validating information from consumers credit files. XXXX along with Equifax sent me a email stating the information was Valid! It will remain until XXXX.