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

XX/XX/XXXX XXXX purchase was XXXX of Ethereum Transaction ID XXXX. 

Purchased this crypto to send to my personal address. Verified with my ID and Images of my face. Everything was " good to go '' went to send it to my personal address and the app will not allow me to do so now. called customer service they told me to try again tomorrow XX/XX/XXXX and I have and still getting the same error message. I asked for a full refund since I am unable to use the service they are supposed to be providing. Now Im forced to sell at a loss because I needed this money when I needed on XX/XX/XXXX. This is market manipulation by Venmo
Product: Credit reporting or other personal consumer reports

NEARLY ALL OF THE INFORMATION THAT ARE BEING REPORTED ON CREDIT KARMA ARE OLD/INCORRECT/FALSE/RECTIFIED. SPECIFICALLY, THE CAPITAL XXXX ACCOUNT AND THE XXXX XXXX XXXX ACCOUNT. THOSE WERE DELETED. THEY ARE OLD/FRAUDULENT ACCOUNTS. MERCHANTS XXXX XXXX NEEDS TO BE REMOVE/DELETED FROM MY CREDIT PROFILE. THE COLLECTIONS NEED TO COME OFF ALSO. ALL THOSE INQUIRIES NEED TO COME OFF. THAT GOES FOR BOTH SOFT AND HARD ONES. I'VE WRITTEN TO THEM SEVERAL TIMES VIA EMAIL. I JUST KEEP GETTING EMAILS THAT MAKE ABSOLUTELY NO SENSE. I NEED HELP GETTING THOSE NEGATIVE REMARKS OFF. PLEASE!
Product: Credit reporting or other personal consumer reports

Sent certified letters to XXXX ( XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/XXXX to provide proof that I consented to the inquiries below that are being reported on my credit report. Asked that they remove the below inaccurate inquiries and no response was provided. 

XXXXXXXX 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

Synchrony Bank - Mailed Priority Mail letters on XX/XX/year> requesting signature validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay alleged debt. Company has yet to provide my request for signature validation, well past XXXX calendar days. 

**Note : I will mail copies of all corresponding documents to your office as they exceed XXXX for uploading purposes. **
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX opened a collection claim in the amount of XXXX dollars. On XX/XX/XXXX I called about this claim and they immediately wanted my social security number, and payment options. I was not given any explanation why I owed this money, XXXX just wanted payment.
Product: Credit card or prepaid card

On XXXX XXXX I contacted Capital One Credit Card and spoke with two Reps XXXX Supervisor XXXX With Badge Id # XXXX and XXXX with Id Badge # XXXX and requested why I was Denied on my Visa Credit Card of XX/XX/XXXX and they can not give me a clear explanation on Denial. 
On my Capital One Card ending # XXXX I was given a {$250.00} credit increase on XXXX in which is vey Discriminating and Retaliating against me as a XXXX XXXX XXXX and Military Veteran. 
I have a credit scores of XXXX and paying over the minimum of {$25.00} a month and always on time since XX/XX/XXXX till Present. I pay timely schedule payments from $ 100- {$150.00} and {$200.00} each month to keep my balance and credit card utilization in prosperity. 

On XXXX XXXX I respectfully requested a Manual Credit Limit over 750 and both Supervisors stated that credit increase can only be done with their automated system. 
So on XXXX XXXX i provide it all my financial and information to Capital One Credit Card Mastercard with account ending # XXXX and I was denied and Declined. 

Capital One is Discriminating and Retaliating against me because I am XXXX XXXX and XXXX and a XXXX XXXX XXXX Military Veteran. 
Also, Capital One is Retaliating against me because I have been filing many Federal Governments Complaints against Capital One Administration. 
By the way, Capital One pre-recorded my conversation with reps on XXXX XXXX and Reps didn't tell me that my conversation was been recorded until I ask them if my conversations with Capital One Reps was been recorded and the last Capital One Rep Ms.XXXX with Badge Id # XXXX told me " Yes. '' On XXXX XXXX I made the call to Capital One from my cell XXXX XXXX XXXX cell phone.around XXXX California XXXX. I called Capital One number XXXX My XXXX and XXXX   Retirement Pension Income is at {$4500.00} a month with a 3 % COLA increas every year on XX/XX/XXXX.and my XXXX XXXX Income never decreases. 
Plus I have very low debts under {$20000.00} and I am very Financially Stabled.
Product: Vehicle loan or lease

Had a vehicle that was financed at the Bank that was traded in and paid off in XXXX. Subsequent to the payoff, another payment ( {$540.00} ) was sent by my bank due to my failure to stop the automatic draft in time. I have since called the Bank and spoke with numerous people ( at least 6 phone calls ) who all told me they would be sending me a check for the payment in about a week. This went on for three months. Today I called them again because I still have not received the check. The CSR that I talked to today informed me that my payment was applied to a family members account that I have nothing to do with. So I had that family member to call and confirm that the payment was posted to their account so that I could get them to refund my money. I gave her my case # and she called and spoke to two different CSRs who both told her the payment was not there.
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/XXXX at XXXX PM, I called a Customer Service Number ( found online on XXXX ) at XXXX and XXXX XXXX for XXXX ink to complaint about not knowing they were scammers they claimed that I had malware on my XXXX and I thought they were legitimate and they asked me to download another app so they can help remove this malware, so they access my cash app and transferred {$860.00} to someone I don't know, as soon as I detected that it was a scam I hang up the phone and call cash app. I tried to reach the cash app Customer services all night and went to the chat box to notify them and at the same time, I called my Bank XXXX to stop any link and reported the incidents. Cash App got back to me the next day and I was told that they will investigate this incident and refund my money but I received an email today XX/XX/XXXX declining to refund after being scammed on their platform, through their services, and with their help. It is bizarre that Cash App will refuse to stop this scam on me. When on multiple occasions they stopped my legitimate transactions because it was the first time I was sending money to a specific donee and I was told it was for Anti-money laundering and it was to protect me. But these individuals, I have never sent money to them before, why has the same procedure was not applied even after I filed the complaint for scamming? The person who received the money, Cash App refused to give me details so I can file a police report. 
I was not asked if I knew the recipient and I don't know the recipient.
Product: Credit reporting or other personal consumer reports

I am writing regarding unauthorized accounts on my consumer report that are linked to identity theft. These accounts were added without my written authorization or wet signature. Despite my previous communication with your organization, these fraudulent items remain on my report.

The continued presence of these unauthorized accounts has caused me significant emotional and financial distress. These items inaccurately represent my credit history and have severely impacted my ability to achieve critical financial goals, including purchasing a home and meeting my family 's financial needs.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I asked for verification of XXXX debts from them. Never got verification. Just a letter stating that it was frivolous and will not investigate. They just closed the accounts and charged it off on my credit. That tells me they have nothing to state i owe them. I never signed a contract with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX, XXXX XXXX XXXX and Bankruptcy. 
This has caused me tremendous anxiety, stress, and financial hardship.
Product: Debt collection

I contacted the collection agency and advised that I have never had XXXX XXXX and that I was a victim of id theft. I advised I never lived in south Carolina and they refused to give me a letter stating that the collection was fraud. And that it was a false account.
Product: Credit reporting or other personal consumer reports

I was involved in a hit and run accident.in XXXX XXXX XXXXXX/XX/XXXX. 
My insurance company XXXX has it at no fault. 
I moved to XXXX and insurance through XXXX went up to much. So my Daughter put me on her inchurance through XXXX. 
They go through a company called XXXX XXXX who has the accident at fault. I don't know where they get their information but I called them to dispute and they would not help me I have the report from XXXX saying I'm not at fault and I just want to clear all this up thank you. XXXX XXXX.
Product: Student loan

Made a payment of {$250.00} for the month this morning logged out with 1 confirmation number. That is 1 confirmation number. 

This evening get emailed that 2 payments of {$250.00} are coming out with 2 confirmation numbers. 

I have 1. 

I call they are taking {$500.00} out of my checking and my bank will do nothing to stop it either. 

When I said well it has not even started to clear yet cancel one of them oh we cant. Well I never NEVER authorized it so how can you even run it. 

They are taking {$250.00} and then another {$250.00}. I just had to put off paying other bills I was gon na pay until I am paid again in a few weeks over this now ... ..
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

I have disputed the improper use of my credit report prior. And even have submit the report showing my identity being stolen/compromised. 


XXXX. XXXX XXXXXXXX XXXX XXXX ( Finance ) - XX/XX/XXXX  XXXX. XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX  XXXX. XXXX ( Finance ) - XX/XX/XXXX  XXXX. XXXX XXXX ( Finance ) - XX/XX/XXXX  XXXX. XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX  XXXX. XXXX XXXX ( Bank ) - XX/XX/XXXX  XXXX
Product: Checking or savings account

I first addressed this issue with my bank, PNC, with the help of CFPB in early  XXXX , and the issue was taken care of. However, the exact same issue is now happening again, and I can not find anyone from PNC that will take the time to speak with me and correct my account. I 've attached a File with the charges, amount, description and date.     PNC Bank has charged over {$680.00} to my checking account since  XXXX   XXXX . These charges/ fees are overdrafts and item fees, despite the specific requirement of my account not allowing any overdrafts. I have spent countless hours trying to fix this, but all PNC wants is money that my account did n't have in the first place just to cover their fees and charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have invalid accounts reporting to my credit report I have tried to solve this many times with the company both bureaus and the creditor. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its refusal to remove a collection account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Creditor Name : XXXX XXXX Account XXXX Date of Collection : XX/XX/year> Amount : {$1.00} I have previously disputed the accuracy of this collectiom account with Equifax and provided evidence that the information is inaccurate. However, XXXX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax refusal to comply with this law is a clear violation of my consumer rights. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account collection my credit report. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Equifax upholds its obligations under the law. Sincerely,
Product: Debt collection

Debt Validation Request for Account XXXX XXXX XXXX  Dear National Credit Adjusters, I am writing to formally request validation of the debt referenced above. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. As this account is currently affecting my credit report and financial standing, I am exercising my legal right to request documentation and validation of this debt. Please provide detailed responses to the following requests : 1. Proof of Debt Ownership and Assignment : o Provide documentation that shows this debt is mine, including a copy of the original signed agreement or contract.

o Show evidence that you have been legally assigned or purchased this debt from the original creditor.

2. Complete Accounting of the Debt : o A detailed itemization of the balance claimed, including the original amount, principal, interest, fees, and any other charges added.

o Records of all payments made on this account and how they were applied.

3. Verification of Accuracy and Reporting : o The original date of delinquency ( DOFD ) as reported by the original creditor.

o Evidence that this account complies with the credit reporting requirements of the Fair Credit Reporting Act ( FCRA ).

o Documentation that this account is not beyond the Statute of Limitations for collection in my state.

4. Compliance with Applicable Laws : o Proof that all collection efforts have complied with the FDCPA, including records of any communications or notices sent to me.

o Evidence that you provided me with all required disclosures, including the 30-day validation notice.

5. Documentation of Reconciliation with the Original Creditor : o Provide records from the original creditor confirming the validity and accuracy of the balance and the transfer of ownership to your company.
Product: Student loan

Hello, I attended XXXX XXXX a few years ago for about nine months. When I went to visit the local university to find out where I would be when I trandferred over I discover none of my class from XXXX would not transfer. When I enrolled into XXXX they informed me most of my classes should transfer! I immediately withdrew from the school. The school has now closed and I am XXXX in debt paying for college classes that are useless. I went through the process to make my XXXX loans dismissed and was denied because I left the school too early? I understand it is not the loan companies fault that XXXX had lied but that is why they have things like loan dismissal!
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my file ive noticed alot of mislead information that is hindering my file. please delete & remove the information that is incorrect on my credit report with Equifax. remove all the information submitted asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled at XXXX XXXX using federal funds and XXXX. I let the XXXX  know that I could no longer start the XXXX. The balance was paid through XXXX XXXX and XXXX  I called the XXXX concerning this several times. There was a balance due after I notified XXXX XXXX of my XXXX  enrollment status. I received a notice from my XXXX loan servicer from XXXX showing the loan was taken out.. I had no agreement with XXXX XXXX XXXX nor have I acknowledged that I owe them anything. However, this collection remains on my credit report. I do not owe XXXX XXXX anything. I do not owe XXXX XXXX XXXX  anything. I do not agree with this debt collector 's actions to put this on my credit report. This also shows up as a XXXX  loan on my credit report. The only notice I continue to receive is a notice saying that I owe a balance. I have disputed this account with the credit bureaus with no course of action. I've submitted and mailed many documents to XXXX, Transunion and XXXX
Product: Mortgage

Since XX/XX/2022, I have been trying to refinance and existing mortgage I have with Select Portfolio Servicing. I have requested a Verification of Mortgage from Select Portfolio Servicing over and over and have not received the document. The lender that I have applied with to refi my mortgage has contacted Select Portfolio Servicing several times and Select Portfolio Servicing has failed to provide the requested document. They keep sending a payment history but will not provide the Verification of Mortgage. It seems like they are purposely doing everything they can to not provide the Verification of Mortgage and I really don't know why.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX. XXXX XXXX XXXX {$650.00} XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX  {$670.00} XXXX. XXXX XXXX XXXX  {$890.00} XXXX. XXXX XXXX XXXX XXXXXXXX {$160.00} XXXX. XXXX XXXX {$300.00} XXXX. XXXX XXXX  XXXX {$2100.00} XXXX. XXXX XXXX XXXX {$2300.00} XXXX. XXXX XXXX XXXX {$350.00} XXXX. XXXX XXXX XXXX {$970.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as 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 # ( private case number ) 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: Debt collection

This account was opened fraudulently. I was XXXX when this was opened Ive advised the company and sent disputed them them and the credit bureaus with not response and no change in reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I'm in shock how poor attention the consumer report concerning me has gotten. 
You are reporting inaccurate and/or incomplete/fraudulent information concerning me in consumer reports. 
Your conduct has caused me distress and financially harmed me with costs and loss opportunity.