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

Over 2 weeks ago my Venmo account was suspended with no warning or reason. 
I deleted this and made a new account. 
2 clients of mine sent me money totalling {$500.00}, and as soon as I tried to transfer this, my account was once again suspended. 
It has now been over 2 weeks and I have not been able to access my {$500.00}. 
I have reached out to Venmo via phone and email to no avail. 
I seem to be getting sent in a circle where " the next person will surely be able to help me '' if only I comply with the things they request. 
I have proven my identity, gone to my bank for a statement to prove ownership of my bank account, I have called and been denied to speak to a supervisor. 
I have sent numerous emails. 
All to no avail. 
It seems at this point they are using this account closure as means to keep my money, totalling {$500.00}. 
This money is how I pay my rent and with the 1st approaching I will surely be in quite a large financial and personal housing crisis due to this entire scam.
Product: Payday loan, title loan, or personal loan

It's about the One main financial loan longgroup alone put on a couple times. Understand the whole talk about my problem but there wasn't thing I could do
Product: Money transfer, virtual currency, or money service

I have tried to withdraw my money for 10 day now. I have sent them a Utility bill, Bank Statement, a Selfie with the date and the title CRYPTO.COM, and now they want my SSN # card scanned, and proof of where I live... This has been 10 days!!! I { ve wanted to withdraw my money and they continue to say ( Unsufficient evidence ). The XXXX  XXXX  has been like no other.I need a resolution ASAP. I am planning on filing a complaint with the SEC, but thought I'd go with you guys frist.Afterwards, I will pay for a LAWYER to sue them for XXXX XXXX... Please let me know as soon as possible. Thank you!
Product: Credit reporting or other personal consumer reports

This is not even really related to my issue, but its the closest i could find. My problem started when i changed my name in XXXX, and i only found out 4 years later, but at that time i suddenly became XXXX people with XXXX different credit histories. My score before XXXX was in the XXXX, and i never lived a day with bad credit as an adult. 

However, once i needed to purchase a new car when mine died in XXXX i was denied an auto loan for the first time in my life by my bank XXXX. I have since been denied personal and auto loans by XXXX every time i apply, and my quality of life has been suffering as i can not buy a car without a loan and i can not get a job without a car. I am barely able to escape XXXX  each month because the big three credit reporting companies are reporting incorrect information on me by neglecting to merge my XXXX histories. I have the same SSN and date of birth, i even talked to a very rude woman who worked with XXXX last year. She laughed at me when i told her i actually have decades of good credit built up until i asked her to search the credit score of my old name with the same XXXX and XXXX. She saw it and was surprised, but when i begged her to fix the problem she flat out refused and said it wasnt her job. 

XXXX let me talk to the top woman in charge of loans or something last summer, XXXX, and i was crying on the phone begging her to fix the issue when i asked for another denied loan. I have had many auto loans, personal loans and my home loan through XXXX over XXXX decades as i built my credit history before this XXXX XXXX episode took over my life. They know its me, and they can see all the products i have successfully purchased and paid off with them since XXXX, but they act as if the ridiculously low " new '' credit score is my only credit score or history. its unbelievable that this could happen, and then i cant find any way to get it fixed because XXXX, XXXX and Equifax make it impossible to talk to anyone to get the issue handled and my bank XXXX doesnt seem to care how this stupid error of data entry by some unknown person in XXXX has had disastrous and nearly fatal consequences for me and my deteriorating life. 

I guess the reason i chose the mortgage option to file a complaint is simply because on this current credit history i only just started last year in XXXX, my mortgage history and the fact i sold that house and paid off the loan isnt even on my report. none of my loans for cars or personal reasons are showing. None of my credit cards are showing, all because it was prior to my name change in XXXX. This is destroying my life and i cant keep fading away like this. 

I am now begging you to help me. This cant go on much longer because i will be XXXX  and on the streets soon because i lost my XXXX  credit score and nobody cares. Please help me get this fixed so i can finally get a loan and get a car so i can support myself again! 

thank you for your time XXXX XXXX XXXX
Product: Mortgage

Twice during the process of getting to the closing table, I signed disclosures for the loan for a house. The first time they extended the closing date and asked me to get more information from my financial and did second and third credit checks on my credit, they found derogatory marks on one of my credit report sites. Then the week of my first closing date, they told me I had to pay off or get a letter stating I didnt owe it. These items had been payed off 2 years ago but had not been removed from my credit. I had already been preapproved for this house months before. The closing date was reset for the end of XXXX at which time I signed another loan disclosure only to be denied and contract was canceled the day of our final walk through.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early warning service is housing incorrect information on there profile about me, i sent them letters the then respond saying my dispute is not being done and basicly im lying, one of there records i have spoken to the bank directly and they advised me that they advised EWS to remove this since XXXX along with the XXXX. this company lack of support and in corrrect information is causing problems and my next steps will be a civil suit against them if they do not correct this errors
Product: Debt collection

Continuous calls through out the night and day at all hours. 
I have reported that the person they are looking for does not have this # anymore. Their Representative XXXX was VERY Rude and Confrontational. He would not give his last name and made derogatory remarks when I told him I was going to file a complaint and said that I would be wasting my time because it would NOT do any good.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION orXX/XX/XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Payday loan, title loan, or personal loan

Self cancelled the loan. Self owes me {$27.00} for messing up my XXXX XXXX account. Self also needs to repay the {$500.00} it still already owes me. You have 1 day.
Product: Credit reporting or other personal consumer reports

These accounts greatly affect my credit history, I want it to be reviewed and the negative information removed 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 or other personal consumer reports

The social security number was wrong! Iam so mentally tired! I cant get nothing they saying account frozen and its not! Iam trying to approve for a small loan my father past!
Product: Debt collection

I do not owe this debt I continue to contact the company and credit bureaus in letters to dispute and it still remains open. I wish to have it removed seeing as it is not mine, I have no knowledge of the account and have never done business with this company or the original creditor.
Product: Mortgage

I have a complete appraisal for my home and I requested to cancel the PMI insurance on the loan. First National Bank of PA has declined my request because they want their own appraiser to do the paperwork and they want {$480.00} to cancel the policy. I've called earlier in the year, they only correspond via mail and after several attempts to email them, they finally called me back and said they have a rule to only have their own appraiser do an appraisal, even though my home is clearly above the threshold for cancellation and it has been proved. I've provided the documentation to them and they will not accept it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the Doctrine of Estoppel by Silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In accordance with the fair cridit reporting act XXXX  Account XXXX XXXX have violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may noy trear a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX FLORIDA ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions.
Product: Debt collection

I am contacting you to request the deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information cease being reported on my consumer report, as their presence directly violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I urge you to take immediate action to delete and remove these accounts and information from my consumer report, as their inclusion continues to violate multiple laws. Please ensure the prompt removal of these accounts and information without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   account and the XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 and 4 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Mortgage

I am current with my mortgage account. However, I receive a notice from the county that my taxes were not paid and they intend to issue a Tax FIFA on my home. I contacted my mortgage company concerning the unpaid taxes and fax them a copy of the county tax notice but received no feedback on what they were going to do to rectify the matter. I called and faxed on XX/XX/XXXX, again on XX/XX/XXXX and XXXX. My taxes was due XX/XX/XXXX. I was given the run around for two weeks and still no decision was made to paid my taxes. I ended up having to pay the taxes due to prevent the issuing of the Tax FIFA. My mortgage company took my money to escrow my taxes and insurance ; and they failed to pay my taxes.
Product: Debt collection

I have been back and forth between Navy Federal, XXXX, and XXXX about this matter. This debt is still reporting on XXXX and I have received documentation from Original Creditor Navy federal stating that after an investigation done by them, they have found this debt as a result of identity theft. It has been well over 60 days but is still reporting under XXXX. I am still being denied my retirement home because of this and it has caused great distress because of it. They refuse to remove it off of XXXX and XXXX has not removed it either as of today XXXX. Please provide me with resources to file a suit against these companies for not removing it.
Product: Money transfer, virtual currency, or money service

I would like to complain about dealing with a company licensed in the state of Maryland under XXXX ID # XXXX, Coinbase Inc. of XXXX XXXX, CA. 

I have had an online account with this Coinbase, Inc. since XXXX. On XX/XX/XXXX after I reported a possible threat to the safety of my account Coinbase Inc. disabled my account and notified me via email. 

On XX/XX/XXXX Coinbase Support wrote - We will keep your account disabled until you are certain your mobile number, devices, and online accounts are secure. Please reply back to this email when you are ready to restore access to your account. If you no longer have access to your mobile device or original phone number, please let us know so that we can assist you with additional steps for account recovery. 

I did follow their instructions and after requesting help from XX/XX/XXXX thru XX/XX/XXXX on resetting my Coinbase account password I started requesting to enable my account right away so I can check the status of my funds. 

On XX/XX/XXXX Coinbase support indicate the following We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). 

All future questions about this issue should be directed to this email thread so that our account specialist can better support you. 

Thanks, Coinbase Support After waiting the allotted 5 days I kept emailing them using the Coinbase Case # XXXX as they specified but did not get a response. Subsequently according to their User Agreement I filed a complaint with them on XX/XX/XXXX Coinbase complaint case # XXXX just requesting my account be enabled I took all the necessary security precautions including resetting my Coinbase password On XX/XX/XXXX Coinbase support responded requesting information about the Phishing email and again advised taking all the security precautions. 

I did respond with the information requested and again stated Ive followed all the suggested changes and want my account enabled. After this last email from Coinbase on XX/XX/XXXX my XXXX Authentication no longer works. When trying to sign on it still says my account is disabled. 

To date still no response and all I wish is for them to enable my account. Can you please help me reach this conclusion. My funds are tied up and I am locked out of my account. I am counting on this account for my retirement which will be in 4 years at the age of XXXX. I am currently XXXX years old, XXXX in a wheelchair and this has been very XXXX for me. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX The only available form of communication with Coinbase is via their email address XXXX. 
Can you please email them asking them to enable my account referring them to their Case # # XXXX. 

Thank-you so much for any help you can provide. 

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

ACCOUNT # XXXX CITI illegally sold a fake account to XXXX XXXX XXXX XXXX violation of Title 15 USC 1681m ( f ) ( 1 ) of the FCRA . 

It is prohibited to sell an account that was reported as fraudulent. I reported the fake account that was created by XXXX XXXX to CITI when I discovered the criminality. CITI, went ahead and sold the account to the criminal collection agency in violation of Federal Law. See attached Fraud Alerts on my CRA 's and documentation with the IRS. 

Special Agent XXXX XXXX with the IRS-CID and Special Agent XXXX XXXX, specifically communicated to me that the XXXX XXXX has been stealing ID 's. In fact, there is another person in California and Florida using my credentials. The Mexicans would also use a person 's mailbox itself and snagg the incoming mail before persons would return from work. This is how sophisticated these XXXX XXXX   are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple XXXX XXXX double reporting on my XXXX XXXX. It does not provide account numbers but I know I only had 2 and it is reporting 4 collections with supposedly different balances.
Product: Money transfer, virtual currency, or money service

lam filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act 33 ( EFTA ) and Regulation E. These actions e have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal law. under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correct. ( XXXX  Account number - XXXX ) DATE OPEN XX/XX/XXXX ( 2 ) XXXX Account number XXXX XXXX ) DATE OPEN XX/XX/XXXX ) ( 3 ) XXXX XXXX XXXX  Account number - XXXX ) DATE OPEN ( 4 ) XXXX XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX  XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( 6 ) XXXX Account number- XXXX ) DATE OPEN XX/XX/XXXX ) ( 7 ) XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( 8 ) XXXX XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( 9 ) XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) in the results of your first investigation and subsequent re investigation, you stated 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 a consumer contract with my signature on it. as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( a ). furthermore, you have failed to provide the method of verification as required under 15 USC 1681i ( a ) ( 7 ). please be advised that under 15 USC 1681i ( 5 ) ( a ) of the FCRA- you are required to " PROMPTLY DELETED ALL INFORMATION WHICH CAN NOT BE VERIFIED. The law is very clear as to the civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under FCRA.
Product: Bank account or service

XX/XX/2013 a " 2nd Chance Checking Account '' I had opened 2 years earlier with Chase Bank was subjected to a series of fraudulent transactions via unauthorized withdrawals and associated activity online. After notifying Chase of the issue, the items and all related charges were removed and/or reversed from my account after some significant challenges in working with their Fraud unit. However, a few weeks later I was once again notified of the issue with a demand for action. I once again contacted Chase and explained we had already had that conversation, and that they had ( begrudgingly/reluctantly ) agreed to remove the charges and fees and put the account back in good standing. After yet more wrangling with them, Chase once again agreed to remove that charges and fees and put the account back in good standing. Yet a few weeks later, I once AGAIN received a demand for action from Chase. In spite of their repeated agreements to remove all the charges and fees and reinstate the account in good standing, they continued to put it back into a collection status after agreeing not to do anything further. That particular account has since been listed on my XXXX XXXX account, thereby preventing me from opening any other accounts due to the nature of the Chase closures. Adding insult to injury, much of the balance they kept putting back on the account after agreeing it was not due, came in the form of fees not in any way associated with any actual authorized transactions, and I had in fact repeatedly notified them of the issue yet they kept both charging me and adding more to it after agreeing not to do so.