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

On approximately XX/XX/2023, I conducted successful deposit and withdrawal transactions to and from my Kraken account. However, on approximately XX/XX/2023, when I transferred all my crypto assets of {$230.00} XXXX into my Kraken account with the intention to sell and transfer the funds to my bank account, and after successfully selling my crypto assets, I discovered that I am unable to withdraw any amount of my money, even within the permissible limits. 

Promptly, I opened a support ticket and provided all the requested documents. Despite my continued efforts, the Kraken support team 's responses have been limited to acknowledging that my account is under review, with no indication of an estimated completion date or requests for additional information. 

The Kraken legal team did not respond to my email. The support team over the phone can not do anything about it. There is absolutely no communication from Kraken about when this issue will be resolved or what additional documents I need to provide. 

I fully committed to cooperating and promptly addressing any legitimate concerns that may have arisen. I am also willing to provide any additional documentation required to expedite this process.
Product: Debt collection

XXXX mistakenly send me to collections. This situation was resolved with XXXX XXXX. XXXX XXXX informed the collection company that this was resolved. I continued receiving collection notices. I requested documentation from XXXX XXXX that this was resolved. I have a letter from the collection company, dated XXXX/XXXX/15 that the account was closed. I received another collection letter dated XXXX/XXXX/15.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On two instances I had XXXX XXXX to foods that I ate. The first one occurring on XX/XX/XXXX ( XXXX Claim ID : XXXX ) and the second XX/XX/XXXX ( XXXX Claim ID : XXXX ). I was not near the XXXX XXXX XXXX XXXX so I went the the near by hospital XXXX XXXX XXXX on both occasions when the XXXX XXXX  occurred. Prior to being treated I showed the ER reps and physicians my VA XXXX card so that they would know to bill the Dept of Veteran Affairs for the Out Patient Urgent Care. When XXXX XXXX XXXX and XXXX XXXX XXXX XXXX sent the billing claim for reimbursement, they failed include my medical records from both of the ER visits and they utilized the incorrect billing codes. 

The VA initial denied both claims, with the first claim denial for my ER visit on XX/XX/XXXX being on XX/XX/XXXX in which the VA sent a letter of response requesting the missing information so that they could pay the reimbursement. On XX/XX/XXXX, the claim from the ER visit on XXXX citing the same issue with their Billing order, the missing medical records. For both Claims the Department of Veteran Affairs allotted XXXX XXXX XXXX XXXX XXXX 90 days from the date of Denial to submit the correct information so that they could pay the ER Claim. XXXX/XXXX never responded within the allotted time period and decided to send the Medical Bill Charges to a 3rd Party Collection agency known as Wakefield & Associates. 

Not once was I notified from XXXX/XXXX regarding any debts owed, but I received notification from the 3 major credit bureaus, when I got a hit on my Credit report from Wakefield & Associates. I never received any correspondence regarding the missing information from XXXX/XXXX nor did I receive any correspondence from Wakefield & Associates. What I did receive was a hit to my credit scores via my alerts on all 3 major Credit Bureaus which promoted me to call the XXXX XXXX XXXX XXXX who told me about the issue and how they tried to get the information from the Creditors so they could pay the claim. 

As of right now I have two Medical Collection accounts at Wakefield and Associates ( Acct Numbers : XXXX and XXXX ) on my credit report due to the negligence of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX not providing the Dept of Veterans Affairs the correct information to process the reimbursment and also not responding to the request for information after the XX/XX/XXXX and XX/XX/XXXX denials they sent to XXXX/XXXX. These items need to be removed as soon as possible.
Product: Vehicle loan or lease

I am still under the impression that XXXX XXXX are not keeping accurate records with my account and are operating under deceptive practices. 

I filed a formal complaint with the FTC about my account and how they are reporting it. 

When looking at their response to my complaint, they listed another a vehicle, interest rate, and other information that doesn't match mine. As you will see on the attached documents, that they vehicle in question is a XXXX XXXX, they listed a XXXX XXXX. I have never owned a XXXX XXXX and I have never financed a XXXX XXXX through this dealership or through Chrysler Capital/Santander. 

I question if these documents match the information reported and if the calculations are correct because they are associating it with another vehicle. 

The company that was used by their company never sent me a document or anything stating where I could come and get my personal belongings. 

Also the terms listed are not accurate. They show that the vehicle was extended 2 times and not 5. Are they stating that a request of date change equals a month extended? If so, where is the documentation that shows this is possible and where is the documentation that it was communicated to me? 2 does not equal 5. 

On XX/XX/2021, they responded to my complaint with these discrepancies and expect me to believe what they are reporting is accurate. 

At this point, I would like to have this account removed from my credit report for inaccuracies and deceptive practices.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 
Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

XXXX XXXX Account # : XXXX, XXXX  Account # : XXXX, XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX  Account # XXXX XXXX XXXX  Account # : XXXX, These accounts has violated my rights.

15 U.S.C 1681 section 602 A states that 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 an account without my written instructions.

15 U.S.C 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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 or other personal consumer reports

Not too long ago i saw strange purchases on my credot cards that were not things i myself had purchased. So i had them all replaced and those specific purchases marked as fraud. Then on XX/XX/2023 I noticed a hard inquiry on my transunion account that I had nothing to with. It was from chase Bank who I have never used so it made no sense why i would have a new hard inquiry from them.
Product: Debt collection

Sequium Asset Solutions repeatedly calls me regarding credit-card debts that I've long-since paid off or do not owe. They've been hounding me regarding unpaid debts owed to XXXX  from the early XXXX, and I've made it clear to XXXX that I've already paid off those amounts long ago. I've nonetheless received numerous calls at inappropriate hours from a silent robot who then connects me to a phone-operator. They then proceed to utilize identifying information in order to determine if I am the correct party that owes them a debt. 

This is irresponsible, dangerous and utterly unacceptable that they are offering my name and phone number out to strangers to find out if the number they've dialed belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have remained very humble despite the stress, abuse and injury Equifax has caused me. I have not given Equifax any form of written instruction to accept, furnish or report any information on my behalf. Equifax deleted the fraudulent account from my consumer report and then reinserted the fraudulent account. If any information has been deleted from the consumer file pursuant to subparagraph A is reinserted in the file, the consumer reporting agency, Equifax shall notify the consumer of the reinsertion in writing no later than XXXX business days after the reinsertion, or if authorized by the consumer for that purpose. Equifax has violated me, the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the followingXXXX 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 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

Equifax Inc. said its systems were struck by a cyberattack in 2017 that affected my personal credit information. Intruders had access to my name, Social Security number, birth date, addresses and drivers license numbers. Credit card numbers for about 209,000 consumers were also accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of several laws were being broken under the fcra by your company this is causing financial injury, defamation if character I can't apply for credit under theses crisis can't uptain credit. Credit report not accurate with XXXX
Product: Debt collection

On XX/XX/XXXX, i received a threatening call from a company called XXXX   XXXX XXXX out of XXXX ( not a registered business ) stating I owed on a XXXX  loan that i did not take out. My identity was stolen sometime between XXXX and XX/XX/XXXX. I told the debt collector I had already spoken with XXXX about my identity being stolen and gave them my current address and they said they would investigate it. THis debt collected said his client was taking me to court unless I paid the loan off or set up a payment plan. I asked who the client was and he said he could not tell me that I would have to figure that out on my own. Not knowing my rights I gave him my debit card number. I called XXXX and they said they had on record my identity was stolen and there was nothing owed on my account. I requested the account be closed. I asked if they sent me to a debt collection agency and they said there was no record and that I should cancel that card immediately. Today, XX/XX/XXXX, I received a voicemail stating that I will be sent to court for stalling tactics on paying my debt unless I call today and take care of the debt. Here is the information i have : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. The amount is {$2400.00}. Phone number is : 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 : US BKPT CT XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 inaccurat
Product: Bank account or service

USAA erroneously duplicated the images of an electronic check deposited that in affect deposit XXXX check twice versus the XXXX checks i was attempting to deposit. After becoming aware of the error and informing the bank of the error USAA eventually deducted the duplicate deposit and forced me to redeposit the missing check. After 2 weeks USAA again deducted the deposited check from my account and then charged fees and deducted funds from other accounts to cover the short fall. USAA refuses to fix their duplicate deduction despite admitting the issue and " submitting '' paperwork to resolve the issue. Every time I call back I get the specific transaction was n't an error. Sorry we 'll have to resubmit. MY accounts were fraudulently deducted credit the money and USAA refuses to fix it. It has been over 30 days since I first contacted USAA about this issue and they continue to give me the run around.
Product: Student loan

There are several problems with MOHELA. First, in transferring my loans to the Department of Education, they claimed I was in forbearance. Yet, I was still charged every month and the money taken out of my account. Given the poor reporting that MOHELA has done on these loans, it is unclear if the payments I made during this period counted towards XXXX as they delayed my payoff date by about XXXX months, despite taking payments from my account during this time. Now, the department of education says I have reached my XXXX payments, and the website says no more payments are due. But MOHELA just sent an email saying I will owe another payment later this month. No company should be run this poorly, and it is unconscionable that they can continue to take payments because ( apparently ) their recording keeping is so poor they don't know when they've been paid off. This practice is straight-up theft.
Product: Mortgage

Just spoke with my mortgage servicer to inquire if the forbearance or mortgage assistance request appeal was being reviewed by the investor and my mortgage company. On XX/XX/2021 XXXX, XXXX XXXX stated that loss mitigation confirming the modification and forbearance request was submitted within the 37 days and the documents sat on some one desk and were not processed. given for the underwriters to review it. He stated that now RESPA has 30 days to respond to the complaint. And to check back in 3 days. He also stated customer service has forwarded the complaint I made yesterday to XXXX the supervisor stating I have been given conflicting responses from different Agents with no resolution. Just spoke with XXXX XXXX, asking if mortgage assistance appeal was being reviewed and if the foreclosure sale date was being canceled. He stated his supervisor told him to tell me sale date would not be canceled even though there was and appeal being reviewed. I asked for the name of his supervisor who was providing the information and he said she said she did not have to give her name or ID number. XXXX is unwilling to help homeowners and they give you the run around.
Product: Mortgage

Foreclosure sale date of XXXX IS OF THE ESSENCEMy financial situation has changed, as of XXXX, that I can afford my mortgage. 
Request for a modification package on XXXX has NOT been mailed, emailed, XXXX, nothing.
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 and 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 XXXX 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: Student loan

Current active student loans with Navient was for school ( XXXX XXXX  ) that was on the XXXX vs. XXXX lawsuit. I am asking for these private loans to be discharged because of the misleading school.
Product: Debt collection

I have not supplied under the doctrine of XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
I request information from XXXXXXXX XXXX. I requested 1. a List of all payments, 2. Validation of debt, 3. License to collect in my state, 4. Chain of custody of alleged debt. This is a violation of the privacy act as well. XXXX XXXX- They failed to provide all the requested information. Delete this collection off my credit report! As, they sued without my knowledge also. I have not received any of the requested validation its been well over 30 days. CFPB pLease do not close this out without verifying this debt. Its against the law! I would like all these request documentation from XXXX XXXX. Please Send updated credit report with deleted collections from XXXX XXXX. 


Account Number XXXX Account Number XXXX Account Number XXXX Please delete this off my credit report immediately.
Product: Credit reporting

I received a release of IRS and Minnesota Revenue tax debt by filling out innocent spouse forms and this debt was from my ex husbands business in which I just signed the tax returns at the end of the year. His business was never in my name. I believe the tax debts that were released from me should not be on my credit report at all being that it was never my debt and the IRS and Minnesota Revenue released me from these debts.
Product: Mortgage

To whom it may concern : I was reading on your site about " dual tracking in foreclosure '' and how there are laws prohibiting such an act. I would like to make a complaint against Astoria XXXX and the XXXX XXXX XXXX XXXX and XXXX & XXXX XXXX for violating this law. I would like to reference my previous case number XXXX as supplemental documentation for my complaint against XXXX ( Astoria XXXX ). In XXXX XXXX we were forced to file bankruptcy due to my spouse 's lack of finding gainful employment and after draining our bank account of all our savings when the mortgage company denied the short sale. 
Since our discharge in XXXX XXXX, we have received numerous calls and letters ( sample attached ) that say " This document is an attempt to collect a debt, and any information obtained will be used for that purpose. If you are in bankruptcy or, have been discharged in bankruptcy. This letter is for informational purposes only and does not constitute a demand for payment in violation of the automatic stay or the discharge injunction or an attempt to recover all or any portion of the debt from you '', the entire statement is contradictory to bankruptcy laws when the mortgage company and lawyers state the same thing but they are trying to collect a debt. 
Since XXXX we have had discussions with the mortgage company and have decided to try to loss mitigation route again to keep our home. We received our package in early XXXX and sent it back as soon as we could. The receipt is attached. While going through this process, the company intentionally foregoes the time to evaluate packages and plays games with the paperwork to make sure the time passes with no assistance. I have attached proof of how the original package request and document checklist is different from another package which came after the original. At this point, if they wanted to foreclose on the property why call and offer a loss mitigation package. Previously in XXXX and XXXX, I have submitted all the same documentation to no avail. Now, no less than a week after they receive the package, we receive a notice of a foreclosure sale XXXX XXXX, XXXX, from XXXX and XXXX who represent Astoria XXXX. 
There has to be some accountability for this sort of harassment even after we filed bankruptcy. We have kept this house in good shape while were here and maintained the utilities and upkeep hoping the mortgage company would stop playing games and refinance the home to something affordable, but once again you will see by the attached email it is no use. I am supplying all the documentation I provided to Astoria, and the redacted information is the same information I sent to them which was removed because it has our social security numbers and we have been victims before of identity theft. As you will see redacting our social security numbers and bank account numbers will be another reason for denial. Please have someone look into this, I have spoken to an attorney on the matter, but I am hoping to resolve this without having to take that route.
Product: Credit reporting

The collection agency the account was on removed it from my credit report, but when i checked my report trans union still has it as a open account.When i called them she said the collections had not gotten a hold of them, ( which they had ), and that once they did it would take a month for them to take it off my credit report. Why??? I do not understand why it takes 30-45 days to take a account off that never should of been sent to collections in the first place? I do not have a month-45 days to wait.My mom is XXXX and i need to get myself set up in a apartment,