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

On XX/XX/year>, I received an email from Blockchain.com support notifying me of activity on my account from a different region. I promptly responded, confirming that I was the one who accessed the account and assured them there was nothing suspicious. They subsequently requested my current location, and I informed them that I was presently in the United States but travel frequently.

As part of their verification process, I provided a copy of my passport. I also clarified that I am not a XXXX XXXX, and my country of origin is XXXX. I explained that I initially opened my Blockchain account while residing in the XXXX, later returned to XXXX, and have since traveled to the United States. I reiterated my willingness to provide any additional documents needed to prove my identity. 

To my surprise, despite complying fully with their requests, Blockchain.com suddenly restricted my trading account, which holds over {$20000.00} USD in both cryptocurrency and fiat. Since then, I have been unable to access my funds, withdraw, or cash out. Over a month has passed, and their team remains unresponsive. Each time I reach out, they simply state that my documents are still under verification, without providing any updates or timelines. 

I have been a loyal customer of Blockchain.com for over three years, and this experience has been both shocking and distressing. I even offered to undergo additional verification methods, such as video verification, to expedite the process and prove my account ownership. However, they have not acted on my request or responded meaningfully. 

This situation has caused significant financial and emotional distress. I have filed complaints through their platform, but they continue to delay under the guise of verification. Given the extended delay and lack of communication, I am now seeking the intervention of the Consumer Financial Protection Bureau ( CFPB ) to help resolve this matter and have my account unrestricted so I can withdraw my funds and stop using their services. 

This experience has demonstrated that their platform is unreliable, and I have suffered damages as a result of their actions. As advised by my legal counsel, I am submitting this complaint as a final effort to resolve the issue amicably before pursuing legal action.
Product: Checking or savings account

Hello, This dispute is for Citibank and XXXX XXXX XXXX. I have been placed in a system where I can not open any accounts with a financial institution. I am disputing the removal of the status Citibank has under this savings account that is reported to your agency. There is a lot of inaccurate information under this account and needs to be removed. This violates my consumer rights under the FCRA. Citibank is reporting this savings account that closed back in XX/XX/2022 as checking fraud. This is a vague term and does not specify if I was a victim of fraud or someone defrauded me. XXXX XXXX  will not reinvestigate this item, but can not provide me any validation of information to prove that it's accurate. This status of term is reflecting negative on my consumers report and I have been unable to establish banking because of this negative status. I need a deleted record provided to me and this comment removed under the status for this savings account. If this status/comment is not removed immediately, I will proceed with filing a lawsuit in my state. I have been a victim of identity theft and never experienced such poor resolve in my life. I have already contacted XXXX XXXX team to look into CitibankXXXX XXXX XXXX practices with consumers.
Product: Credit card

My statement showed on XX/XX/23 My card was charged by XXXX XXXX XXXX XXXX XXXX. For {$490.00} And XXXX XXXX XXXX XXXX XXXX For {$860.00} XXXX XXXX My card was charged XXXX XXXX XXXX. For {$420.00} There were similar charges for less money that they took off, but the more expensive charges they kept on. 
I never lost possession of my card. I've never been to XXXX or XXXX They those charges off, then put them back on, months later without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that my personal information and my credit file have been leaked. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX XXXX XXXX XXXX Balance {$730.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$4900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} Date Opened : XXXX XXXX XXXX XXXX XXXX Balance {$5200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$3900.00} Date Opened : XX/XX/XXXX Inquiries XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I took out a payday loan in the amount of {$800.00} during the pandemic last year & fell behind on the payments. I let XXXX  XXXX XXXX  know that I had just lost my income & needed to setup a payment extension on the amount, but they told me they needed full payment. I explained that due to COVID that I was waiting to get unemployment & they wouldnt halt collections efforts on the account. They sold the debt & the Third Party is wanting {$1700.00} to remove the debt from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Product: Debt collection

I am disputing the debt as reported by ENHANCED RECOVERY CO L for {$260.00} from XXXX XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist.
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 XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX Account XXXX, Account name : XXXX XXXX XXXX XXXX  Account number : XXXX has violated my rights. 

I looked at my Experian Credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 

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 general lf, 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 supposed 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: Debt collection

XXXX XXXX XXXX is acting on behalf of Lending Point LCC stating that I owe {$12000.00} and that an attorney has been retained to collect from me. It was reported that I have no responded to any requests for debt collection and that my wages will be garnished. I currently live in XXXX XXXX and am in the military. 
Ive never been contacted by any of these people for any reason prior to it being on my credit report. Ive contacted them numerous times to have proof provided of this debt and all numbers written on the consumer credit page just give a busy signal and all written correspondence has been returned to sender. 
These inaccuracies and derogatory remarks are false and harming my credit and potentially my job.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : 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  FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE XXXX XXXX BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

I recently came across the CFPB Experian lawsuit regarding Experians failure to properly investigate dispute request and upon reviewing my credit report I noticed a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) regarding the payment history associated with XXXX XXXX XXXX XXXX ( Account No. XXXX ). It is my understanding that information regarding transactions and or experiences are to be excluded from consumer reports. 

Moreover, Per 15 U.S. Code 1681e ( b ) this account does not adhere to the maximum possible accuracy of the information concerning the individual about whom the report relates as it is inconsistent and inaccurate across XXXX, Experian, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing an item on my Experian credit report that was previously under the name of " XXXX XXXX XXXX' on XX/XX/XXXX. That item was deleted from my Experian credit report on XX/XX/XXXX. A few months later, the once deleted item ( reporting under XXXX XXXX ) was reinserted on my Experian credit report on XX/XX/XXXX. I IMMEDIATELY submitted a complaint to the CFPB on XX/XX/XXXX regarding the prior deletion " and '' reinsertion of the item ... .the item also was reporting a " new account open date '' of XX/XX/XXXX. A few months later, the XXXX XXXX collection was removed however, recently, the account was reinserted under a new collection agency now reporting as XXXX XXXX. I have notified all 3 agencies ( Experian, XXXX XXXX and XXXX XXXX XXXX about the wrong reporting via written disputes as well as I have sent 623 letters to XXXX and XXXX XXXX with no reply. I am tired of Experian holding my credit hostage and I need resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many of the same Accounts and Inquiries opened on different dates Accounts 1 ) XXXX XXXX XXXX - {$270.00} on XX/XX/XXXX 2 ) XXXX - Card Service - {$0.00} on XX/XX/XXXX 3 )  XXXX - Card Service - {$0.00} on XX/XX/XXXX 4 ) XXXX - Card Service - {$0.00} on XX/XX/XXXX 5 ) XXXX - Card Service - {$0.00} on XX/XX/XXXX Inquiries 1 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 2 ) XXXX/XXXX   XXXX XXXX - on XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX
Product: Checking or savings account

My account was closed because someone stole my information and committed fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request an investigation of my credit report that I received recently. I have identified some accounts that require further explanation and clarification to ensure their accuracy. I am not implying any wrongdoing on the part of the creditors, but I need to understand the details of these accounts better. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I believe that the XXXX XXXX # XXXX has violated my rights. Section 602 A of the FCRA states that I have the right to privacy. Additionally, Section 604 A Section 2 of the FCRA states that a consumer reporting agency can not furnish an account without my written instructions. 

Therefore, I request that you investigate the following accounts on my credit report and provide me with a detailed report of your findings : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I understand that you have 30 days to complete the investigation as per the FCRA guidelines. I would appreciate it if you could respond to me with the results of the investigation within this time frame. 

Thank you for your cooperation in this matter.
Product: Bank account or service

On XXXX XXXX, I opened an account with Synchrony Bank with the intention of purchasing several CDs. I gave the information for the transfer from my checking account at my local bank of {$50000.00}. On XXXX XXXX, Synchrony made an automatic withdrawal not once, but twice, for a total of {$100000.00}, obviously causing my local checking account to be overdrawn. Synchrony returned {$50000.00} on XXXX XXXX, but then quickly withdrew another {$50000.00} the next day! 

After dozens of phone calls and speaking with Supervisor XXXX XXXX, nothing was done in spite of XXXX , XXXX assuring me every day that {$50000.00} would be wired to my local account each day to correct their error. In the meantime, my local checking account was overdrawn and accruing overdraft fees. 

By XXXX XXXX, with no wire of the funds and XXXX XXXX now refusing to answer my calls, my local bank suggested I contact CFPB and make a complaint. I called Synchrony and informed them of my intention. I also requested that the my original {$50000.00} be returned to me and that my Synchrony account be closed. The Synchrony agent, XXXX, informed me that the account could not be closed because they had a policy that no funds could be withdrawn from new accounts for 45 days! I let her know I was recording the conversation and would add that information in my complaint to CFPB. 

That threat seemed to have some effect. At XXXX, a XXXX from Synchrony called to say the {$50000.00} over withdrawal error would be wired that evening to my bank. I also said I wanted to close the account due to the bank 's ineptness. I let her know I was recording the conversation. When questioned about the " policy '' of money from new accounts being on hold for 45 days, there was a long pause before XXXX XXXX stated that was not correct and my origainal {$50000.00} would be returned in three to five business days. It was. 

This complaint was resolved, however I think it is important that CFPB be aware of such unorthodox behavior on the part of Synchrony bank. I have documentation as well as taped phone conversations if you need it. I am sure it was resolved ONLY because of the mention of CFPB, so thank you very much for that. 

Sincerely, XXXX
Product: Debt collection

Sequium Asset Solutions LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX is claiming I owe {$1300.00} for an account that I have no knowledge of. I have never owned/opened an account with XXXX XXXX XXXX I wrote Sequium Asset Solutions on XX/XX/2023 and disputed the debt and requested the name and address of the original creditor. Sequium Asset Solutions has not responded to date. 

On XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023, the true owner of the account ( the individual who signed the contract ) called XXXX XXXX at XXXX to receive information on the past due balance. The information provided by XXXX XXXX was that the account balance was XXXX dollars. This information is different than what was provided by Sequium Asset Solutions , LLC. 

On XX/XX/2023 ( XXXX XXXX  ), XX/XX/2023 ( XXXX XXXX  ) the true owner of the account ( the individual who signed the contract ) emailed XXXX to receive information about the debt and to date, has not received a response from XXXX, XXXX. 

I called XXXX XXXX at XXXX on XX/XX/2023 to discuss with the company directly as to why my name is listed on an account I have no knowledge of and never signed for. After being on the phone with XXXX XXXX for 31 minutes, I was transferred to three different departments and eventually was transferred to a voice mail which said that there was no one available.
Product: Debt collection

XXXX XXXX  XXXX ( XXXX ) called me at XXXX at work about a best buy credit card from years ago, today XX/XX/19 threatening with legal action causing me extreme anxiety. The first call consisted of a voice message recording saying that I have a case against my social security number, name and other things. I call back, they say the last 4 of my social security number and name to verify if I'm who they are trying to contact. I said yeah and they proceeded to say basically if nothing is done today that the courts will proceed with my case and it'll cost $ 3,000+. 

They offered me to pay {$300.00} today, {$300.00} this Friday and the rest by the end of the month which would be a settlement of the original {$1200.00}. Or if I paid {$1000.00} today that it'll be settled. I remember paying off a settlement which I don't remember the balance or which creditor had the debt, a few months ago and it said after paying that, it would've been settled and paid off. So I paid that and then they call today with what I described earlier in this message. I told them I can't afford that right now and they said if I can't they have no other choice but to let this go to the court. They didn't seem to be too professional and told me they can't provide information as to who sold them this debt or provide proof of this debt. I told them that I'll call back, they said I only have 60 minutes from the time I called back or they will pursue with the case. 

About 2 hours later I get a call from XXXX PA District attorneys office ( XXXX ) at XXXX saying that do I know of XXXX XXXX XXXX and I hung up, called that same number back at XXXX and they said no one from there ever even called me and they don't even have any of my information in their office. So at that point I knew something is up and while I was on the phone with the real people from the district attorney 's office, they were spoofing their caller ID again and I didn't answer. Then they called from XXXX at XXXX and again it was them but I didn't answer. At this point I'll probably sue them for harassment and want to report them for the harassment as well.
Product: Debt collection

Repeated phone calls from ( XXXX ) XXXX for a debt the company says I owe. I told the company that I had an attorney representing me, and to stop calling. I tried to provide the company my attorney 's phone number, and they always hang up. 

On XX/XX/2019 I received a call, and attempted to tell them not to call anymore. They hung up before I could explain. 

They called a total of 4 times on that same day. 

Here are more dates and number of times they called each day : XX/XX/2019 called 7 times XX/XX/2019 called 2 times
Product: Money transfer, virtual currency, or money service

I do not have a bank account with Arvest Bank. I received the following message via text today ( XX/XX/year> ) from the phone number XXXX ( XXXX ) XXXX. 

Arvest-Go : Amount {$300.00} processing on you # XXXX. reply with " YES '' to approve. If this wasn't you, please visitXXXX XXXX XXXX XXXX Thank You! 

This is fraudulent. Even if I did have such an account, no such transaction matches with my expenditures recently. I will report the incident to the bank on Monday, but hope yall can use this report to help catch the perpetrators.
Product: Payday loan

I applied for a payday loan online and was pre approved for XXXX then I  was told  by email to visit a local check into cash store with the proper documents and I  would walk out with my cash.but I was never given the chance to go to the  check into cash store and forfill my application.
Product: Debt collection

Before I was laid off I was paying debt to Keystone financial and once I was sent home several days a week so my checks were short then I was laid off my job I told them every step of the way. I've been laid off since XX/XX/2021. I just really started getting my unemployment and I have to budget that for lights, rent, gas, phone, food, and car insurance. I've tried to work with them and on Friday XX/XX/2021 I was called and I was at a wedding and when the wedding was over I really forgot about the call. On Sunday after church I had a voicemail from XXXX and the message was from Saturday XX/XX/2021 and on the message he told me that he thinks I'm dodging him and that he is coming to take my car! The number he called me from on Saturday I didn't answer because it was a number I didn't recognize from Maryland and come to find out when I checked voicemail it was XXXX 's personal phone and he called me on Saturday when the office isn't even open. When I applied for the loan I didn't realize the interest amount and they paid off a title loan for me and now they say I'm in debited to them for {$8100.00} off of a {$2000.00} dollar title loan. I'll never be able to pay this off and I'm afraid he's gon na come and take my car. I'm wandering how am I suppose to live if I give them all the money I'm getting for unemployment. I really hope that you can help me with the situation at hand. Thank you
Product: Credit reporting or other personal consumer reports

Fraud accounts due to ID THEFT. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original wet ink signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} Charges filed XXXX XXXX POLICE REPORT attached, address, emails, current bank statement, FTC and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA