23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records 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 accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

During the pandemic they told me if I didnt pay in full I would lose my home
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a credit card with XXXX XXXX for 1+ year. I was PUSHED by a sales representative to take out a credit card for them to purchase a couch. I rejected at first because I did not want a high usage ding on my report. The couch was no more than {$2000.00} and it was explained to me that the credit limit would be {$4500.00}. I figured it wouldnt be maxed so not too bad and agreed. Once I got the card, my limit was actually {$2500.00} which meant my usage was MUCH MORE than I thought it would be. Not only did this company get my address WRONG, along with my NAME I was unable to make a payment online because I hadnt received the card. I called them after 2 months of no card and thats when I realized something was wrong. They ended up reporting 2 late payments to the credit bureaus and in turn, made my credit go down. Since my credit went down, they lowered my credit limit to LESS than what I had owed on it. I called eventually and explained please fix this and that they were the reason my credit lowered and finally removed those charges. THAN had the audacity to request a larger limit on my bahalf ( NOT APPROVED BY ME ) and it was rejected which than made a hard inquiry and made my score worse. Now every month after I have made a payment they keep lowering and lowering my credit limit making it IMPOSSIBLE for my usage to go down on this card. This is SUCH BAD PRACTICE. Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 i sent a factual dispute letter disputing an account. on XX/XX/2019 i received a letter stating that the account was updated. on XX/XX/2019 I followed up with a letter asking to provide all information used in their investigation. I did not receive a response. On XX/XX/2019 i sent a second written request asking again to send information used to verify and validate this account in their investigation. On XX/XX/2019 i received a letter stating that unless i send additional relevant information to support my claim, they will not reinvestigate this account again/
Product: Money transfer, virtual currency, or money service

Subject : Complaint Regarding Frozen Account and Withheld Funds by Paxful.com Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Paxful.com regarding the prolonged and unjust freezing of my account, which has prevented me from accessing approximately {$20000.00} worth of Bitcoin for over three and a half years. 

In early XXXX, my account on Paxful.com was suddenly frozen without any prior warning or clear explanation. I immediately reached out to their support team to understand the reason behind this action, but my inquiries went unanswered. After several attempts, I was eventually told that my account was under investigation. However, the only explanation I ever received, albeit vaguely, was that this investigation was likely due to my XXXX  nationality. 

I have made numerous attempts over the years to resolve this issue, consistently asking Paxful for clarification and the steps needed to regain access to my funds. Unfortunately, I have never received a concrete answer. In fact, after my initial inquiries, I am now met only with automated, non-responsive messages from their support team, which do not address my specific concerns or provide any path forward. 

The complete lack of transparency from Paxful over such an extended period is deeply concerning. It is highly likely that my account was frozen simply because I am XXXX, as I have been given no other explanation or evidence of wrongdoing. This situation has caused me significant financial hardship, as Paxfuls actions have effectively held my funds hostage with no clear justification. 

I am requesting the intervention of the Consumer Financial Protection Bureau to investigate this matter. Paxfuls refusal to release my funds, provide a valid explanation, or engage in good-faith communication has left me with no other recourse. I believe their actions are both discriminatory and in violation of consumer protection laws, as they have failed to provide any legitimate reason for blocking access to my legally owned assets. 



Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX. 2022, I deposited into my Regions checking account a {$500.00} check from a client and a {$500.00} money order issued by the XXXX. A 10-day deposit hold was put on both. 

I was told there was nothing that could be done and interest would not be paid. 

The Money Order issued by the XXXX is not a deposit instrument and 3 days is the limit the bank has to pay this. Their reason for holding both? They might not get paid. 

I have never bounced a check at Regions, they have no reason to hold my deposits.
Product: Debt collection

American Express sued me over a credit card debt that was from XX/XX/XXXX and won a judgement against me in XX/XX/XXXX. I filed Bankruptcy in XX/XX/XXXX and was dismissed in XX/XX/XXXX. The problem I have is when I called American Express to get the statements from them they told me they can not provide them to me for court. They refuse to issue me any statements at all so I could properly defend myself in court. I wanted to defend myself in court to prove that American Express wrongly double, triple and quadruple charged me for the same charge. For example, If i stayed in a hotel for {$150.00}, and asked American Express to move over into their monthly payment plan program, or I moved it over they would charge me up to {$150.00}, {$150.00}, {$150.00}, {$150.00}. I have repeatedly complain to American Express about this and they would fix it XXXX month and then the next month it would be back on the statement. The American Express bills would reflect exactly what I am describing. So when I went to court American Express refused to send me those statements so I could prove this in court. I asked the attorneys who sued me on behalf of American Express for proof that I owe this money and they could n't produce any statements. When my attorney asked American Express in court to prove that I owe these charges with statements they could not prove it in court. They still won in court a judgement for money I do n't even know, I had a professional accountant look at the statements and revealed that I over paid American Express by {$5000.00}. Now my wages are being garnished {$1500.00} a month to pay a credit card I do n't even owe. I sent a copy of this complaint to the XXXX Attorney General as well XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2023. I called COMENITYCAPITAL/XXXX because I noticed while checking my credit report that they had reported that I was behind 90 days on my payments on the credit card. I reached out to them and asked them I didn't even know there were a charge on the account. They told me what the amount was plus late fees. The company agreed to take away the late fees if I agree to make full payment when I called. I asked them If I make a full payment, I would like the company to remove the late payments off my credit report and report it as " paid on time ''. The individual agree to fix the " past due '' status to " paid on time '' once I make a full payment. 

I decided to make a full payment, I waited over 30 days and my credit report is still reporting the " past due '' status for the month of XXXX, XXXX, and XXXX which were suppose to be " paid on time ''. At this time the company has violated 15 USC sec 1692e.
Product: Bank account or service

We have to come back to case number XXXX. This case was opened against XXXX XXXX.XXXX answered and we tried in the meantime to clear the matter with the realtor who sent the money, with XXXX who originally originate the money transfer as well as Merrill Lynch , where we have our account. After long researches it came back to the matter, that Merill Lynch got the money transfer XX/XX/XXXX and was not able to find out the final recipient, even we have our bank account nearly 30 years with Bank of America and now XXXX. I told Merill Lynch already on XX/XX/XXXX by e-mail, that we expect an wire transfer from XXXX for about XXXX XXXX. I was in constant contact with XXXX from Merril Lynch regarding the payment and sent them copies of the Italian wire transfer. 
With a letter of XX/XX/XXXX Merill Lynch told us, that they do not pay for the loss in exchange rate XXXX/Dollar because of the delay. We lost XXXX because Merill Lynch was not able to locate us and was sitting about 4 weeks on the money before they finally returned it to XXXX. And during this 4 weeks, the amount was no where to trace, because Merill just kept it. 
Following the XXXX bank it is unlawful to keep money that long. In XXXX you have to clear a matter within 3 days. 
We do not accept, that Merill kept the money that long and caused this loss in exchange rate. We hold Merrill responsible for - not finding our account - even they had from the beginning our informations - holding the money for that long and making it disappear from any trace We want our loss in the exchange rate paid from Merrill Lynch and ask for your assistance in this matter. 
Should you need any copies of correspondence etc. let us know, we can provide everything
Product: Money transfer, virtual currency, or money service

I am 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, 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 ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss and I seek appropriate redress for thes violations.
Product: Credit card

I filed a Ch. XXXX Bankruptcy in XXXX California on XXXX/XXXX/XXXX and after completing the plan was discharged on XXXX/XXXX/XXXX. In accordance with the Chapter XXXX plan, the Trustee paid CHASE accounts in full. 

XXXX - CHASE reports XXXX " Derogatory '' accounts. 
The first account # XXXX is reported as " Negative Account, Closed Account ''. It continues to report the " Status '' as " Wage Earner Plan '' and reports negative payment history entries such as XXXX XXXX. 
The second account # XXXX is reported as " Negative Account, Closed Account ''. It continues to report the " Status '' as " Wage Earner Plan '' and reports negative payment history entries such as XXXX XXXX. 

XXXX - CHASE reports accounts # XXXX and # XXXX as " Derogatory '' and " Potentially Negative Closed ''. 

XXXX - CHASE reports accounts # XXXX and # XXXX as " Derogatory '' and as " Credit/Revolving Accounts ''. It continues to report " Status : Payment Plan '' and in " Remarks Chapter XXXX ; wage earner plan account ''. This account should also be reported as closed. 

I have disputed the incorrect information XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to CHASE and ECAST Settlement Corporation, the address listed with the Bankruptcy Court. The incorrect and inaccurate information continues to negatively impact my credit report, credit rating and credit score. I am seeking your assistance in resolving the inaccurate reporting of these accounts to the credit bureaus listed above.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 


XXXX  Facts : XXXX  is aware and has proof in the attachment labeled as XXXX  XXXX XXXX account XXXX XXXXXXXX, Amex Account XXXX XXXXXXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX account XXXX XXXX, Amex Account XXXX XXXXXXXX is causing harm to my credit reputation and financial standing. 

All items listed in XXXX XXXX are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit card or prepaid card

I took my father who has XXXX XXXX down to Florida, when we arrived at XXXX XXXX. When I went to get him and his XXXX  and XXXX XXXX off the bus, I left my XXXX purse with his medications, and my drivers license, my debit card and a Chase XXXX  card in the wallet, I found a police report. I also checked with Los and found the purse was never found. I provided Chace with the police report and paystubs where I was back home when the card was being used and I also provided them with proof that I had to replace my fathers medications. They still are saying I am responsible even though I found the card as lotta stolen, lost. I lost the card on XX/XX/XXXX and I returned back home to Virginia on XX/XX/XXXX the card was used. through XX/XX/XXXX after several phone calls to them they ended up issuing me another card but failed to cancel that card until I called a second time on the XXXX. and on top of that theres about {$1200.00} in charges that I can see and theyre charging me over {$3200.00} and not showing me half the charges that theyre charging me for.
Product: Credit reporting or other personal consumer reports

I've contacted the Credit Reporting agencies via phone and mail in regard to continuously reporting a charged-off account to my credit profile. The XXXX account has been canceled and forgiven by the lender. This account has been written off by lender and is now taxable income. INCOME CAN NOT BE REPORTED on a consumer report. I've requested a total of 3 times for this information to be removed and updated. This debt is not disputable, the company has filed it on their taxes, and tax write-offs can not be reported. This account is being illegally and inaccurately reported on my credit profile. Furnishing this account to my profile is in violation of 15 USC 1681 ( E ) B. Each credit reporting agency has the responsibility of reporting maximum accuracy. 

This inaccurate reporting is severely impacting my ability to obtain credit and also violating my rights as a consumer..
Product: Credit reporting

I have written all XXXX major credit bureau 's at least 3 times each trying to clear up my credit score. Since their responses are so similarly obfuscating and unresponsive, I believe that they illegally work together! Please investigate them for illegal collusion! 

My credit history used to be excellent until XXXX loans I took out on condominiums in XXXX, North Carolina were defaulted upon. I did sign for these loans, HOWEVER, I was scammed out of ownership of these properties. I do not own them. 
They are owned by my former accountant, XXXX XXXX and his wife, XXXX. That information can be easily checked. ( They were supposed to have been owned by an LLC that we owned equally, along with XXXX other condominiums in the same complex, however that was either not done or illegally undone. ) I diligently tried to work with the XXXX banks originally involved ( XXXX, XXXX and XXXX ) to buy the loans from them or to cooperate with a repossession. The banks recurrently failed to follow through on our ( mine and an attorney ) discussions. 
There were also title issues ( the XXXX condo 's were in XXXX different XXXX buildings for which the legal addresses and the street addresses of the XXXX were mixed. ( " We '' owned all the properties so it should not have been a bug issue! ) I also tried to help resolve this issue and hired an attorney. He too could not get the banks to cooperate. 

XXXX have, recently, resolved XXXX of the XXXX loan issues. I am not involved. 
XXXX XXXX informs me that he is willing to resolve the last loan, but the bank is refusing to work with him, but is trying to resolve the property tile issue. 

I would like my good credit score restored. The credit bureau 's seem unwilling to understand or accept my plight. I pay MY bills. 

I pay the mortgage on my home ( which they bizarrely claim I dispute along with the XXXX loans! ) I pay all my other bills on time. I simply refuse to pay for mortgages on properties I do not own. 

I refuse to accept that my credit score should be impacted by this when the holders of the mortgage debt refused to work with me to resolve the problem and could have been made whole. ; the properties have sufficient equity to fully reimburse the creditors. They just refuse to cooperate and/or act. 

I have lost over {$250000.00} and the banks are not at risk of losing a penny if they work with me or use their legal authority. I should not have my credit history and ratings destroyed because I was scammed and the banks either are ( XXXX of the XXXX ) or can be fully reimbursed. 

Please help me get through to the credit bureaus who are jointly deaf. I want my good credit ratings restored.
Product: Credit reporting or other personal consumer reports

FCRA 605B necessitates the removal of incorrect accounts from my credit report, I think. Can you examine the documents? Some accounts are inaccurately listed with wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

I am writing in reference to an account that has been charged off which appears on my credit report. I believe this account may qualify for cancellation of debt reporting under IRS guidelines, as it is my understanding that the debt was effectively canceled by your institution. However, I have not received a Form 1099-C to reflect this debt cancellation.

According to IRS regulations, creditors are required to issue a Form 1099-C when they cancel a debt of {$600.00} or more. I request that you review the status of this account and verify whether this debt has been forgiven or otherwise settled in a manner that requires a 1099-C to be issued. If the debt has indeed been canceled, I respectfully request that you issue the appropriate 1099-C to me and update my account status to reflect that the debt is no longer owed.

Furthermore, as the debt has been discharged and is no longer legally collectible, I request that the charge-off be removed from my credit repor
t. Under the Fair Credit Reporting Act ( FCRA ), all information reported to the credit bureaus must be accurate. Since a 1099-C signals the cancellation of the debt, continuing to report the account as charged off or delinquent would be inaccurate and harmful to my creditworthiness. 

I ask that you promptly notify the credit reporting agencies to remove the charge-off from my credit report.
Product: Credit card

XXXX XXXX credit card company was no help in helping me reduce payments during financial hardship they turned payment over to Crown assessment management company. They harassed me repeatedly daily, even calling relatives that they could find harassing them. I set up a small payment plan with them but I do not get any monthly statements Ive been trying to reach them to see my balance on this account and I can not get through to them., nor will they email or call me back they are ruthless horrible people
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX  ) XXXX-XXXX Account was charge off and closed XX/XX/XXXX, Company is now showing new account balance of {$3800.00} of XX/XX/XXXX and also show as open
Product: Debt collection

Got a call XXXX XXXX XXXX initially at XXXX XXXX then later at XXXX XXXX saying my loans were being decreased from $ XXXX to $ XXXX, agent name XXXX XXXX with phone number XXXX. I asked if he worked for the federal govt. and he said he worked with the Dept of Education forgiveness program. He already knew all of my contact and personal info incl SSN. He asked me security questions. He made me sign a an online form via XXXX doc that I later noticed was actually a Limited Power of Attorney form from XXXX XXXX XXXX XXXX. I later saw emails in my acct. from Dept of Ed. indicating my account was locked. I stupidly gave my debit card info but immediately blocked the card and change all my passwords, filed a credit block with XXXX, when I realized this was not the Dept of Ed. He said he could give me a payment plan of XXXX months at {$180.00} and then {$45.00} a month for XXXX months. I was also told if I paid {$1500.00} now it would then go to {$19.00} a month. He told me I had to decide and pay today but agree to wait until the XXXX when I told him I don [ 't have any money now. There is no record through my bank of any transactions in my account. Emails have come from XXXX asking me for paystubs, a copy of my driver 's license, which I did not provide ( although I did confirm my Driver 's license ID verbally during the call ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a new checking account with fifth third bank on XX/XX/2018 with {$50.00} deposit. About a week later I check the transactions, the new account is negative {$60.00}. The two transactions were XX/XX/2018. The first transaction was for {$27.00} and the second transaction was for {$40.00}. I did not do either of these transactions. My new debit card did not arrive at my address yet. I called customer service to explain these fraudulent transactions. 

Also, the transactions were made in XXXX XXXX and XXXX XXXX XXXX. I have not been in this area of the city in months. The merchant that approved these transactions should have cameras. Were these debit or credit transactions? If pin was used, how was it activated? If credit, you can compare my signature with the thiefs signature. Fifth third sent me a letter stating they will be reversing my temporary credit of {$67.00} on XX/XX/XXXX. The bank states the card was not reported lost/stolen. How can I report card lost/stolen if I was still waiting to receive it by mail? I want my {$67.00} back into my account.