23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It has been more than 90 days since origionaly requesting the validation of all fraudulant accounts under section 609 of the FCRA. Validation or removal has not been completed by your company. You have violated my rights and caused me harm of proper place to stay as well as auto service due to the misuse of my credit file from me being a victim of identity theft. 
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission.
Product: Money transfer, virtual currency, or money service

Block is required to pay up to {$120.00} XXXX in refunds and other redress to consumers whose unauthorized transfers were not investigated, consumers who did not receive refunds they were entitled to, and consumers whose accounts were locked for an extended period of time or who were not provided provisional credits during a delayed investigation. Block must pay a minimum amount of {$75.00} XXXX in refunds and other redress.
Product: Money transfer, virtual currency, or money service

I opened an account on XX/XX/XXXX, and account says it is waiting for verificaiton. In the interim, it has verified my bank by accepting multiple deposits, however, it will not allow me to remove my money due to " verification pending '' messages. I have consistently been sending support emails, and have even asked that my account be closed and all monies returned to me. I get the same canned response. Here is a sample. 

Hi there, Thanks for reaching out and apologies for the delay in response. 

The recent surge in interest in cryptocurrency has resulted in a backlog of support requests to our team. This has impacted our verification and support queries, which we are working diligently to resolve as quickly and effectively as possible. 

In an effort to help self service your inquiry, we have been actively updating our Help Center ( https : //support.gemini.com/hc/en-us ) with answers to common questions about our platform and services. 

However, if your support case has not been resolved and you still require assistance, please follow up to this automated email by replying directly to this email and an expert will be back to you as soon as possible. 

Once again, thank you for your patience and understanding. 

Onward and Upward, XXXX Customer Support On XX/XX/XXXX, XXXX PM, XXXX wrote : i have sold everything, i need to be able to transfer and close this account ; your verification process is riddled with issues and i wish to take my business elsewhere. I need you to release my funds. 

-- -- -- -- -- -- -- -- -- Submitted from : https : //support.gemini.com/hc/en-us
Product: Credit reporting or other personal consumer reports

I've contacted the below companies that's listed on my credit report as a credit inquiry, to have them provide me with WRITTEN PROOF, bearing my signature, authorizing them to access my credit report, since I have been a victim of several identity breaches recently. 

They have FAILED to provide me with the requested information, see their responses. 

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

I have made numerous attempts sending letters demanding that XXXX  and experian follow the law and removed several accounts from my credit report. These two bureaus are in violation of 15 USC 1681 section 602, 604, 15 USC 1681c a5, and 1681s-2 a1. This is my last attempt to settle this matter outside of court. If XXXX and experian do not follow suit as XXXX has by removing the accounts that i demanded be removed i will be filing a claim against experian and XXXX  for multiple violations of the laws above. Thats {$1000.00} per violation
Product: Credit card or prepaid card

If this is not resolved immediately I am suing American Express & The Credit Bureau for this unlawful act!!! 

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX American Express, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

LETTER GIVING NOTICE OXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/23 XXXX, IL XXXX XXXX XXXX Selene Finance LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : Invoice for Asset Rendered We hope this letter finds you well. We are writing to issue a bill for the asset provided to you by XXXX XXXX XXXXXXXX XXXX. Loan # XXXX XXXX. The details of the transaction are as follows : Itemized Charges : | Description | Quantity | Unit Price | Total Cost | Collateral Note | XXXX | {$87000.00} X XXXX {$870000.00} | Subtotal : {$870000.00} Ten % Reserve Charge : | Description | Amount | | Tax ( 10 % ) | {$870000.00} | Total Amount Due : {$780.00}, XXXX Payment Terms : The payment is due within 30 days from the date of this letter. Please make the payment via cashiers check or bank transfer to the following account : Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Name : XXXX XXXX Routing Number : XXXX Account Number : XXXX If you have any questions or require further assistance, please do not hesitate to contact our customer service at ( XXXX ) or E-mail ( XXXX ). We are here to help. 

We appreciate your business and thank you for choosing XXXX XXXXXXXX XXXX. 
Sincerely, Signed XXXX XXXX  XXXX XXXX XXXX BY : ___________________________________________ XXXX, XXXX XXXX to XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am XXXX XXXX XXXX, also known as XXXX XXXX. I received your letter regarding the closure of my account with SoFi, but I have yet to receive my refund via XXXX XXXX, tagged under my name, XXXX XXXX XXXX. I have been addressing this issue since XX/XX/XXXX, when my account was locked. As the original sender under the tag name XXXX XXXX XXXX, I request that you close my account immediately and return the remaining balance to my XXXX XXXX account. This is my final attempt to resolve this matter amicably. I consider this situation unlawful, as you did not verify my identity before taking action. If this issue is not resolved within 30 days, I intend to take legal action, seeking {$50.00} XXXX in damages for the hardship and stress caused to me and my family. I will pursue justice relentlessly. I believe Sofi Banking has failed to provide adequate service. I require my refund promptly, without further explanatory letters, as this process has already taken over months. This is my final communication on this matter ; my next step will be to involve my attorney to resolve this situation immediately. Ive attached proof that Ive been doing this with your company so far over many years and this has never happened to me and now you guys want to try to do this this is not right and you will not prevailed. Send my money back to the original sender XXXX XXXX
Product: Debt collection

Cavalry Portfolio Services, LLC. on XXXX/XXXX/XXXX Levied and seized by car. I had tried to negotiate with them on an old debt the bought from XXXX XXXX XXXX that was charged off. They put a judgement on me on XXXX/XXXX/XXXX after the debt was charged of from XXXX. I am XXXX year old widow. They told me they were going to auction my car and then attach my pay if I did n't pay them {$13000.00}. The debt was only around {$10000.00} orginaly. I offered to settle for {$7000.00} or pay {$1000.00} a month. They wanted both which I could n't do. I had to rent a car to go to work which I am in sales and have to travel to clients homes. I had to take the money out of my retirement 401K. This has really hurt me financially and I think this is unfair. I do n't think they should put a Judgment on me to begin with. XXXX had written this loan off. It shows on my credit report it was written off. With my husband dyeing supply I was left without his income and struggle to make ends meet.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

5/3rd 's web-site has contributed to me being logged out of my on-line checking account. The web-page only has a prompt for " forgot login '' and does not have a prompt for " forgot password ''. I did not forgot my login but forget my password. In attempting to go through the process- my account was locked. The poorly designed web-site contributed to the locking of my account. I have attempted to call 5/3 to unlock my account but their office hours are limited and I haven't been able to reach a human. On their web-site - the only way to send a message is to log into your account- which I can't. I am now 4 days into attempting to contact them to have my account unlocked so I can pay bills and view my account but so far I have had no success. The ability to unlock and account or reset a password should be a 24/7 service - and not limited in hours. Due to the poor design of the web-site and inability to get ahold of a person to actually unlock my account I am facing late fees on bills, potential overdraft fees as I am not able to view the balance of my account to ensure appropriate funds are in the account for automatic withdrawal. The negative impact this has had on me is uncalled for. I should not have to spend hours attempting to contact a bank that does not appear to be available to have access to my funds. The design of an online banking module should also not contribute to depositor being locked out. I will be attempting to reach them again on Monday to gain access to my funds. I do plan on exiting my relationship with this bank because of the lack of support and financial impact. I have accounts at multiple other financial institutions and have never had this issue before or been unable to resolve my issues through calling their customer service. If the bank is not able to adequately staff their customer services system to ensure their customers have access to funds then they should ensure their online banking module doesn't contribute to the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to XXXX for the account number XXXX and notify them of their error posting for this account on my credit report. It does not compliment what the Credit bureaus XXXX claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. 
I had also requested the method of verification, actual proof, physical first-hand documentation of the payment history, and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Product: Checking or savings account

On XXXX, I received a text message from Wells Fargo Bank alerting me to a potentially fraudulent charge on my account. I in turn logged into my online account, shut down my debit card and called my local bank to tell them I did not make the {$730.00} in charges. I was told the local branch could not help and to call the toll-free number. I did that and was severely questioned by the customer service representative, regarding my debit card purchases. Then I was given a claim number, and the representative hung up on me. I had to call back and speak to a claim representative, who assured me the bank would contact XXXX, to let the business know the charges made were fraudulent, and then, I was told that since the charges were not made by me, the charges would be reversed. That did not happen. 
On XXXX, when I called Wells Fargo back I was told that it was up to XXXX to choose to refund my money, and if they do not then, Wells Fargo would not refund the charges. I was made to feel like I was criminal by the way I was treated. 
I ended up contacting XXXX myself, and the business confirmed it appeared there was fraud, but they needed the bank 's confirmation. The XXXX representative asked me to have Wells Fargo contact them. 
I called the claim department again, and I was basically called a liar, and I was told it was not Wells Fargo 's job to let the business know about fraud. They admitted they did not contact XXXX and said they would leave it up to XXXX, even though it was a debit card. I asked why I was told different information on XXXX, and the woman named XXXX said the information from the other claim representative was just wrong, and the bank could not do anything to help me. It would be up to XXXX. 
At this point, I feel like I have been treated like a criminal and the bank has failed to protect my rights and my money.
Product: Payday loan

Was called for loan. then called lender and they said I would have to pay a returnable fee of {$180.00}. Sent money by XXXX card from XXXX and the loan of {$3000.00} was not put into account as promised by lender.
Product: Debt collection

We have bought a timeshare with XXXX since 2019 and it has not benefited us. Instead, we have been throwing our money to the wind. The sales representatives did not go into further detail and were manipulative. They made it seem as if this was a great deal and available only for that day to get me to feel like I had to sign right then and there. They had me feel as though I could not walk away, no matter how many times I said no to this contract. I was misled and pressured into signing this contract. The increasing fees for this membership have placed a strain on our finances. This has become an extremely stressful situation for our family and continues to be a burden in our lives. We have made countless requests to be released and the only solution is for XXXX to move forward with the cancellation of this account entirely. We do not want to be partnered with a company that has such disregard for its owners and is purposefully manipulative. 

They have enlisted Blackwell Recovery to damage our credit even more and keep us in an unfair contract. We never agreed to work with Blackwell and are resolving this matter with XXXX directly. Blackwell needs to cease all collection efforts.
Product: Debt collection

I find it incredibly disheartening and infuriating that despite adhering to every protocol in disputing this account, I am met with an outrageous level of negligence and indifference. I've diligently followed the necessary steps : reaching out to the bank, involving law enforcement, and filing a report with identitytheft.gov. XXXX, in compliance with legal requirements, has promptly removed the account from my records. However, TransUnion seems to operate in an alternate reality, questioning my diligence in following procedures. This is the sixth complaint I've filed against them, and every time, I am met with the same absurd response, claiming the validity of the documents I've submitted is in question. I refuse to believe that the consumer laws and courts are so lenient that they render filing a lawsuit futile. Having endured this ordeal for over six months, I am at my wit 's end. TransUnion 's blatant disregard for the severity of my case is beyond comprehension. XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}. Let it be clear that I, the person submitting this complaint, am unassisted by any third party. I implore you to treat this matter with the urgency it deserves.
Product: Payday loan, title loan, or personal loan

To Who May It Concern, This company has failed to comply within the 30-day timeframe of this letter. I recently pulled my credit report and I was notified of this collection that was taken out without my consent. I do not believe that this debt is accurate. Under the FDCP Act, I have the right to request and receive validation of debt. However, I do believe that this debt is not mine. According to the FDCP, this debt should be removed immediately from my credit report.
Product: Vehicle loan or lease

This claim is connected to previous claim XXXX The vehicle seller XXXX XXXX XXXX and Exter finance has committed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  under PART 455 - USED MOTOR VEHICLE TRADE REGULATION RULE Authority : 15 U.S.C. 2309 ; 15 U.S.C. 41-58 {$450.00} General duties of a used vehicle dealer ; definitions It is a deceptive act or practice for any used vehicle dealer, when hat dealer sells or offers for sale a used vehicle in or affecting commerce as commerce is defined in the Federal Trade Commission Act : ( 1 ) To misrepresent the mechanical condition of a used vehicle ; ( 2 ) To misrepresent the terms of any warranty offered in connection with the sale of a used vehicle ; and To represent that a used vehicle is sold with a warranty when the vehicle is sold without any warranty It is an unfair act or practice for any used vehicle dealer,
Product: Checking or savings account

Wells Fargo refused to credit back to XXXX XXXX from my account that they put into my account after i did an accidental triple transaction through my city. When i contacted Wells Fargo initially on XX/XX/2023, i called them to recall XXXX of the XXXX transactions. At that time, the agent i spoke with told me that it was happening automatically, and i had to do nothing. Also during this time, i was never told of, or made aware of, that two provisional credits that were attached my account, nor was i ever given a Claim number in reference to these recalled transactions. 
When i called Wells Fargo on XX/XX/2023, They denied everything i said, and claimed that i had been given a claim number and even sent it via XXXX mail and in my online Banking message center. I even told them that the local government contacted me directly and reversed two of the transactions, yet Wells Fargo still had the audacity to go into my account and pull the provisional credits i was never told of or had in my account. 

The XXXX XXXX account XXXX, denied everything i said, and blamed it on me, saying that i had started the claims process ; which i never recall happening, since the agent i spoke to on XX/XX/2023 never said there was going to be a claimed opened, that they were just going to reverse the transactions automatically on their end.
Product: Payday loan, title loan, or personal loan

I received a letter from Lendmark giving me an offer of {$3100.00}. I called towards the end of XXXX spoke to the manager XXXX XXXX. She offered me options but did not want the letter offer code. She later said I did not qualify but they would honor any letter that Lendmark sent to me. This particular letter had an expiration date that passed so they could not honor it. XXXX XXXX told me that if they send me another letter in the future that they would honor it. 

I did receive another letter from Lendmark giving me an offer of {$2900.00}. I called the local office on XX/XX/XXXX. is spoke to the manager but she did not want to honor the promo code. On XX/XX/XXXX, I put the offer code on their website ( lendmarkfinancial.com/personaloffer ). After doing so the website result stated that the promo code expired. It is not supposed to expire until XX/XX/XXXX. 
It appears that Lendmark is using deceptive trade practices and does not stand behind it's offers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681c-1 I request the following to be 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking through my credit file and i am noticing a company called XXXX XXXX who gave me a hard inquiry on XX/XX/2019. To my knowledge I never authorized this company or anyone to run my credit on this date. 

In my eyes this done without my knowledge and would like it off my credit report as it is fraud and not authorized by me. 

I have went over paperwork and I have not found anything with this company. 

I have also noticed there is an address reported at XXXX XXXX XXXX XXXX XXXX XXXX, tv XXXX which I never ever lived at on my file.
Product: Debt collection

In 2014, our family switched cellular services from XXXX XXXX XXXX to XXXX. XXXX offered a financial incentive to do so. We paid our bill in full with XXXX XXXX XXXX, but they initiated collection action. We provided them with proof of payment and they were supposed to stop but, instead, they have farmed the " debt '' out to a collection agency. The collection agency, Enhanced Recovery XXXX, has been provided proof of the debt, yet they will not remove the negative credit reporting.
Product: Checking or savings account

I received a call from my bank 's phone number saying that someone tried to take {$2500.00} from my account and that they needed to transfer it back into my account. I did not give them any information they had access to all of my accounts and proceeded to remove the money from my account using XXXX. There was nothing I could do to try and cancel the transaction and my bank said it is unlikely that I will get the money back because it was a XXXX transaction, even though I did not authorize the transaction.
Product: Credit reporting

XXXX is still showing on your credit report stating that there is a balance of {$940.00} on XXXX/XXXX/XXXX i sent a letter requesting validation but received a return letter on XXXX/XXXX/XXXX stating that they sold to another company, XXXX XXXX XXXX on XXXX/XXXX/XXXX this account should not be on your report and I want it removed. Immediately. I have since sent another letter on XXXX/XXXX/XXXX to XXXX, still listed on my credit file and XXXX XXXX onXXXX with no response.