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

From XXXX XXXX I deposited XXXX to Robinhood. I purchased bitcoin for about XXXX and left the rest in the account. I waited a little bit to let the funds settle and I tried to send my crypto to my personal wallet and they denied the transaction and immediately restricted my account from depositing, buying, and withdrawing my money. The only thing I could do is sell my assets. A couple days later they told me to upload a bank statement and I did. Then I called and asked them for an update and they said my account restriction will be lifted. It was not lifted and I received an email saying they were going to close the account and return the funds if eligible in 15 days. This wasnt true either, I called back and they said they were not going to return the funds. I then sold my assets for a lost of about {$300.00} and now Im just trying to withdraw my funds. I keep receiving an email saying the same automated text that my funds will be returned if eligible in 15 days. I do not find this true at all because there are many people I talked to in this same situation who did not receive their money and had to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX Account # XXXX, Date XX/XX/XXXX. XXXX  XXXX Account # XXXX, Date XX/XX/XXXX. has violated my rights. 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 an account without my written instructions. 

Date XXXX XXXX XXXX XXXX  # XXXX Date XXXX XXXX XXXX Account # XXXX Date XXXX XXXX  XXXX Account # XXXX Date XXXX XXXX  XXXX Account # XXXX Date XX/XX/XXXX - XXXX  XXXX Account # XXXX Date XX/XX/XXXX - XXXX  XXXX Account # XXXX Date XX/XX/XXXX - XXXX XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

Medical debt turned over to a collection agency has called repeatedly and latest call was a lady named XXXX XXXX who said she has received several complaints about me and needed to discuss them, this was left on my voice mail. Very unnerving and rude. I want these calls to stop! Obviously if I could XXXX would pay this debt. It is XXXX of several medical bills I have accrued this year and am doing my best.
Product: Credit reporting or other personal consumer reports

Thank you for your time to REMOVED some of the inaccurate items in my file that resulted from an erroneous credit reporting but I have ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this problem in a previous letter & I am including those items here again. Ive informed my attorney of my intentions & they are excited to hold you accountable in any willful noncompliance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX  XXXX Balance : {$750.00} XXXX  XXXX XXXX : {$2600.00} XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX. Please note that you have XXXX business days to remove the reporting of any inaccurate items in my credit file that resulted from an erroneous credit reporting. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Product: Debt collection

I am disputing the reporting of a paid collection account by Credit Collection Services ( CCS ) due to inaccurate reporting and a direct violation of the arbitration agreement governing this account. 

This account, originally with XXXX XXXX and XXXX XXXX, reflects inaccurate payment and closure dates that do not align with my records. Additionally, CCS is bound by a mandatory arbitration agreement, meaning they can not legally report or attempt to collect this debt through credit reporting mechanisms. 

Furthermore, I have not received any validation documentation proving that CCS has a legal right to collect and report this debt. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and debt collectors are required to maintain accurate, complete, and verifiable information. If CCS is unable to provide legal documentation proving their right to collect and report this debt, the account must be immediately removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this year I filed a complaint letting capital one auto finance know that they were violating the C.A.R.E.S Act as it pertains to me the consumer. Capital One Auto Finance responded by showing my transaction history with them which violates my consumer rights under 15 USC 1681a 2 ( A ) ( i ). Capital One Auto Finance is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the ( CAPITAL ONE AUTO FINANCE ) Making the report is NOT INCLUEDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with Capital One. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

Capital One Auto Finance has violated the FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my consumer reports. 

XXXX, XXXX of XXXX and XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and, XX/XX/XXXX you reported that my transaction was 30+ days late.
Product: Money transfer, virtual currency, or money service

Paypal has withheld my money after a transaction from XXXX, where I sold an XXXX. They tried to tell me that there was suspicious activity on my account, but I later found out thats not true, their automated System lags certain things and they cant tell you why or when it will be resolved. After 10 days I finally was able to verify my identity and get my money. Fast forward three weeks later, which is a couple of days ago, I sold two more items on XXXX and I have no other way to get paid other than through PayPal because at this time PayPal is the only financial money transfer service that they use. Well they decided to limit my account again not allowing me to access money that I put in there and has nothing to do with XXXX. They asked me to verify some information which I did, but not before I wrote them a few nasty messages telling them how I feel about them and the XXXX  that they have put me through. Whoever read my messages didnt like what I said and had the power to permanently remove me from PayPal, and telling me that I can not touch any of the money in the account for 180 days, at which point they will let me know how I can access my money. This is unacceptable that I have to wait 180 days or even three days to touch money that is mine I did not choose to do business with PayPal, it was my only option and I was forced to. I chose to do business with XXXX, nowhere in any of the agreements did it say that I had to use PayPal only and now Im being penalized because of Paypals monopoly on XXXX. They have stolen money from me by holding {$770.00} of my money a few weeks ago and would not allow me to touch any of it unless I paid {$440.00} that was for some One else is debt, and I had no choice because they told me it was either pay the XXXX Ill be able to access {$330.00} of my money or they would keep all {$770.00}. I thought {$330.00} is better than nothing so I paid it, everything was fine until I try to use them again, at which point they put more holes on my account and had me jump through more hoops, which I did and I submitted everything they asked except a definitely abused them verbally through emails, at which point they put me in the spot Im in now. They have cost me a lot of money in late fees by not allowing me to access MY money.
Product: Debt collection

I have been contacted XXXX by Portfolio Recovery in within one month in XX/XX/XXXX concerning a debt they allege I owe to XXXX XXXX. Since I am a current XXXX XXXX Card hold I requested the address so that I may write Portfolio Recovery to request the verification of debt in writing. 
The XXXX person who called me gave me an address. I asked her how I should reference the account so that I would receive the correct information. She told me to reference XXXX XXXX in the letter. I mailed the letter, certified return receipt and was not provided a response. 
Another associate contacted me at XXXX on XX/XX/XXXX stating that she was attempting to collect a debt on behalf of XXXX XXXX. I explained to her that the previous associate was not very helpful and that I still had not received a verification of debt. She stated that a letter was sent to me in XX/XX/XXXX. I asked if it was sent to XXXX XXXX, NV, where I currently live. She stated yes. I explained I had not received the notice and I was questioning the validity of the debt. She argued that I did receive it. I asked repeatedly for her to resend the letter, and mail it requiring a signature so that there would be no misunderstanding about whether or not I received the letter. 
The young lady raised her voice and attempted to steer the conversation back to how I planned to pay the debt off. I was not going to discuss an account that I was unsure I owed, and I also needed to verify the statute of limitations of the collection, but explained to her that I would not do so telephonically, but with a written letter from Portfolio Recovery. The associate never gave me opportunity, reference number, or address where I could address my concerns, but continued to raise her voice. I terminated the call because I did not feel that it was productive and we were talking in circles.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry that is not mine. It was a fraudulent inquiry. Somebody was trying to open credit cards with my information. I tried removing this from the credit bureau and its still there. Theyre not doing their job. The income is XXXX XXXX bank address, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, phone number XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I received a process of garnishment from small claims court of XXXX XXXX. The docket number is XXXX. I never had anything or signed a contract with Midland Credit Management , Inc . The Attorney office is XXXX XXXX XXXX, XXXX. The amount is XXXX plus interest which totals to {$1000.00}. They are threatened to withhold 25 % of my wages.
Product: Student loan

Need a release form for a cosigner, was informed that a late payment ( due to miscommunication ) nullified my eligibility, but with regular payments for six months I would requalify. Did this with auto withdrawal, tried again only to get sent to a page with the form that could not be downloaded. Got no response when I followed up. Tried a few more times before I gave up.
Product: Debt collection

cfpb case XXXX Best Egg has responded that it is filed with the wrong company. That is not true. Best Egg sold a fraudulent debt that they had no right to sell, so they are responsible for the harassment that the sale generated. They are aware of this because I spoke the the individual responsible after a previous cfbp complaint. He is acting in bad faith now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Lack of Investigation To Whom It XXXX Concern, I am writing to formally file a complaint against the major credit bureausEquifax, XXXX, and XXXX failing to properly investigate and correct inaccurate information on my credit report. 

I have identified multiple accounts on my credit report that are being reported as duplicate entries with incorrect account numbers. These errors are significantly impacting my credit profile. I have submitted formal disputes to each credit bureau, requesting that they investigate these discrepancies and correct or remove the inaccurate information. However, they have failed to conduct a reasonable investigation or resolve the issue. 

Additionally, I have reached out directly to the companies reporting these accounts, requesting validation of the debts as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite my written requests, these companies have not provided any verification or documentation to validate the debts they are reporting. 

This lack of response and failure to correct inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to investigate disputes thoroughly and ensure that all reported information is accurate. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that : 1. The credit bureaus conduct a proper investigation into the disputed accounts.

2. Duplicate accounts with incorrect account numbers are removed from my credit report.

3. The reporting companies provide proper debt validation or cease reporting these accounts. 

I have attached supporting documents, including copies of my dispute letters, responses ( if any ), and credit reports highlighting the disputed accounts. 

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

Sincerely, [ Your Signature ( if mailing ) ] [ Your Printed Name ] Attachments : Copies of dispute letters sent to credit bureaus Copies of debt validation requests sent to reporting companies Copies of credit reports showing the disputed accounts
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding inaccuracies in my credit report, specifically with TransUnion. On XX/XX/XXXX, I initiated contact with TransUnion to address incorrect information on my credit report. Despite the passage of time, there has been no response from TransUnion. 
Details of the inaccurate information and requested corrections are as follows XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$2500.00} ) : The provided balance of {$2500.00} does not correspond to the lower amount I remember. 
Request for revision of Past Due information for a closed, charged-off account. 
Request for marking the account as disputed to prevent further negative impact on my credit score. 

XXXX XXXX Account XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1500.00} ) : Clarification that this account was never late. 
Request for correction/update of inaccurate information on my credit report. 

XXXX XXXX Account XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2000.00} ) : Clarification that this account was never late. 
Request for correction/update of inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Us Bank Repo my car XX/XX/XXXX sent me a letter stating i had until XX/XX/XXXX to Reclaim the car they towed it to XXXX XXXX with my Personal Items inside I was then sent a letter from the place that had my car I went on XX/XX/XXXX to Reclaim the car but the car wasn't there but my Personal Belongings were I ask where the car was she told me she had no idea I contacted Us Bank coming to find out from them no letter or anything that they Sold the car on XX/XX/XXXX which they were in the wrong for Saleing the car because pertaining to the letter they sent me I had until XX/XX/XXXX to Reclaim the car but they never gave me a chance so on my Credit Reports they have Remarks but the account is Closed
Product: Mortgage

Vanderbilt Mortgage and Finance did not offer to refinance my loan recently and this problem is one of many they have. I originated a loan with them in XX/XX/XXXX and had to settle for a high interest rate of over 10 % for a manufactured home, so I was not in a good position to build equity. After 3 years of 100 % on time payments I decided to seek a refinance and I called them first. They simply stated they do not offer refinances for my situation. If nothing else that is a bad move by this company, because I quickly left them, but our choice to refinance became very costly in part due to violations by Vanderbilt.
Now having just finished a refinance with another company, I found out during the process that my foundation of my home was not compliant with Fannie Mae standards. The shape that my foundation was in was undoubtedly just as bad three years ago when I purchased the home and they approved my loan. The foundation of this property is very moist and the straps securing the frame to the ground were rusted and broken. I had to pay steep repair expenses out of pocket to get my foundation in compliance, and Vanderbilt should have recognized this when I purchased my home from XXXX XXXX in XX/XX/XXXX, where it should have been paid for by them. I had a conventional loan with Vanderbilt and I ca n't imagine how this was missed by their underwriters. 

I bought it as a repossessed home from XXXX XXXX in XXXX, Kentucky. During this purchase process Vanderbilt charged over {$5000.00} in closing costs which I just paid only about {$3000.00} through another company, not including the cost I just incurred to certify the foundation which was about {$2000.00}. 

Additionally, I spoke to several Vanderbilt representatives over the phone throughout the life of my loan, and was never asked to verify the last four of my social security number for verification that they were speaking with me. 

This is all information that can be validated in their documentation of my loan. This company is a predatory lender that takes advantage of customers in high interest situations due to lower credit.
Product: Credit reporting or other personal consumer reports

Everytime I dispute my report that my XXXX Finincial Account balance and payment history is incorrect,, nothing is corrected from the dispute or even when I personally contact them they still don't correct it.
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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance {$37000.00}
Product: Checking or savings account

I was charged several overdrafts at once multiple time over a period of 4 years. The fees were XXXX dollars each..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX NOT MY NAMEs THESE ARE NOT MY ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Debt collection

this company is reporting on my XXXX credit report that i owed them money i called this company and the could not find anywhere in the system i ever owed money that in fact it has been paid for several years now and have no record even ever owed money
Product: Money transfer, virtual currency, or money service

In an effort to close on our home loan today XX/XX/XXXX. We set up a wire transfer on XX/XX/XXXX for XX/XX/XXXX. Being that our Ally account was younger than 90 days we required an exception to transfer for than XXXX. We needed to transfer XXXX. With that information we reached out to Ally twice asking did we need to provide any additional information regarding the wire ( XX/XX/XXXX ). Both time we were advised that if they had any additional question that would delay the transaction they would advise. On the day of our closing the funds did not transfer. In fact our request was reviewed at XXXX pm on XX/XX/XXXX and did not move forward again until XXXX, our closing was at XXXX. We have yet to close on our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, XXXX  and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been over 4 months from my first written request and more than 3 months since my second written request and I still have not received any responses.