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

To whom it may concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Blockchain.com for restricting my account without justification and failing to return my funds despite multiple requests. 

Case Summary : I mistakenly sent XXXX XXXX  ( ~ {$15000.00} at the time of transfer ) to my XXXX address on Blockchain.com on XX/XX/year>. 
Additionally, I made a XXXX deposit on XX/XX/year>, which has never been credited to my account. 
The transactions are fully confirmed on XXXX and my bank statement, but my funds are still missing. 
I have contacted Blockchain.com multiple times and provided all necessary documents for verification, yet my account remains restricted without any explanation. 

Key Details : Transaction 1 : XXXX Sent to Blockchain.com ( Not Credited ) Transaction XXXX  ( XXXX  ) : XXXX Amount Sent : XXXX XXXX ( ~ {$14000.00} USD at the time of transfer ) Date of Transaction : XX/XX/year> Sent From ( XXXX Address ) : XXXX Sent To ( Blockchain.com XXXX Address ) : XXXX Transaction XXXX : XXXX Deposit ( Not Credited ) Date of Deposit : XX/XX/year> Amount : XXXX Payment Method : [ Specify : Bank Transfer, Credit Card, etc. ] Bank Transaction Reference : [ Provide Reference Number ] Issues with Blockchain.com : 1 Failure to credit my funds : My XXXX XXXX  and XXXX deposit remain unaccounted for.

2 Account restriction without justification : I have provided all requested identity verification documents, yet my account remains restricted.

3 Lack of response & resolution : I have been waiting for over a month without any concrete update, only generic responses delaying the process.

4 Potential financial misconduct : Restricting a users account and withholding funds without valid reason is a serious concern. 

Request for Immediate Action : I request that the CFPB investigates Blockchain.com and ensures : My XXXX XXXX  is credited back to my account or returned to my original XXXX address. 
My XXXX deposit is credited to my Blockchain.com balance immediately. 
My account restriction is lifted, since I have complied with all verification requests. 
Blockchain.com provides a clear and justified reason for restricting my access to my own funds. 

If this matter is not resolved, I will pursue further legal action and escalate the case to financial regulators in multiple jurisdictions. 

Thank you for your prompt attention to this urgent matter. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus state that inquiries on my credit file that were not authorized are " a factual record of file access '' and refuses to investigate per my written request to dispute. Also the credit bureaus refuse to delete these unauthorized credit inquiries.
Product: Debt collection

Spring Oaks has continuously tried to attempt to request money from me. I never gave Spring Oaks permission to obtain information about me. According to FCRA section 605B and 15 code 1681 ( b ) 2 it was illegal to report anything to on my credit without my permission. I have made several disputes only to find that the company insisted that all information was correct. I asked for information on the original debt information, to not get a response. This debt is a old debt from XXXX that has been sold several times to different collection agencies.
Product: Mortgage

I received a letter dated XX/XX/19 that I was in default on my loan. I was shocked because I pay my mortgage monthly through my bank. I don't receive statements and had been having trouble logging into my account online, so I called. 
Apparently, with no notice, they increased my payment and have never to this day sent me a statement. They say I can't have online access to my account because I filed for bankruptcy over 8 years ago. What? 
So I told them the only thing I received was the letter. Now it is XX/XX/XXXX, and still have not received a statement. And they are still denying me access to my account online. 
Their phone service does not have automated account information. I am not allowed to make personal calls while I am at work and by the time I get off, they are closed because they are in Illinois. 
What does having online access have to do with bankruptcy? I just want to stay current on my account and make sure I know when the payment changes. Why did they wait so long to contact me? 
This is not the company I started with. They took over my lone from XXXX last year. And when that first happened, I was able to log in online. Then eventually I was denied access with no notification. I emailed customer support several times and THEY NEVER responded. How is denying me online access because of a bankruptcy a thing? It's a tool to make sure I know what's going on with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing in regards to EXPERIAN, XXXX, and XXXX Ive tried several times by mailing dispute letters to them because my personal and financial information is incorrect and I want it all removed. Since Ive mailed dispute letters and there have been any changes. Ive seen none at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent out my letter, I told the credit bureaus to " investigate every piece of information '' on the accounts listed below, I even went as far as pointing out factual discrepancies on my report. Also I have attached the letter I sent them here is the Tracking # for XXXX : XXXX. 
Tracking # for Transunion : XXXX Tracking # for XXXX : XXXX When looking into what the FCRA considers to " investigate consumer report '' it shows the credit bureaus did absolutely nothing following the FCRA. " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. I stated the inaccuracies directly from my report Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this was never submitted to insurance to be paid, the company needs to call the insurance company and have them investigate this. I have contacted the company several times, no one has contacted me back. We never received a bill either. 
XXXX XXXX XXXX Opened XX/XX/2018 {$1000.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2018 ( 4 mos ) Original Creditor Name XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

A lot of items is on my consumer report that is not there as a result of a transaction that was executed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX ACCT XXXX 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I was contacted by Atlantic Recovery and told the debt was a joint XXXX XXXX account with myself and my husband. I was awaiting a call from my hospital to go in for an induction and thought this was a scam as I do not have a XXXX XXXX account. I told the caller I didnt know what he was talking about and hung up. I blocked the number so I could focus on waiting for my hospitals call. 

The man called back and got sent to voicemail. In the voicemail he said XXXX can thank you for putting him in this position and we wish you guys the best of luck come XXXX morning. I found the voicemail XX/XX/XXXX and called the company back XX/XX/XXXX and spoke to a different employee. He confirmed it is not a joint account. From my understanding its illegal to lie about me being on the account and his voicemail seemed threatening as well. My husband also said he never spoke to this company and doesnt remember having a XXXX XXXX card so hes unsure if its a valid debt.
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 violated 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 ( EFTA ) and Regulation E. These actions 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

I disputed an account on my credit report that I had no knowledge of. Was supposed to be finished on XXXX/XXXX/17 and its still not resolved. Ive called all companies and theres no resolution and its been longer than 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 tried numerous times to get this illegal reporting off my credit report from Equifax files. I finally got a letter from the company myself, and also fisrt data sent them a letter a month ago to get that item removed from my credit files. I am attaching the letter again for Equifax can get it again, and finally get this matter resolved.
Product: Debt collection

I have received calls and letters from this collection agency threatening to take action against me if the debt in question is not paid by me. I have explained that this debt is not mine, that it is a result of identity theft and I have furnished the collection agency affidavits and other documentation in hopes that their collection efforts will cease. The last documentation I sent was sent to them via certified mail. This agency continues to harass me in attempts to collect a debt that is not owed. The credit reporting agencies have flagged my file with the appropriate documentation to reflect the identity theft fraud and so should the agency.
Product: Vehicle loan or lease

The initial payment was applied only to interest. All subsequent payments have not been consistent with any amortization calculations. When I made extra payments they just applied more to the interest instead of to the principle. When I messaged them to inquire about they discrepancy they just said that they do a daily calculation. No further details on how they were applying so much to interest payments and not principle.
Product: Credit reporting or other personal consumer reports

I am writing to urgently bring to your attention a series of significant errors, discrepancies, and unauthorized accounts that have appeared on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete all The Hard Inquires from my credit reports XXXX  there is a total of 6 hard Inquires on my credit report that I don't recognize. 
1- XXXX XXXX XXXX Inquiry date XXXX 2- XXXX XXXX XXXX Inquiry date XXXX 3-XXXX XXXX XXXX XXXX Inquiry date XXXX 4- XXXX XXXX Inquiry date XXXX 5- XXXX XXXX Inquiry date XXXX 6- XXXX XXXX Inquiry date XXXX Equifax 1- XXXX XXXX Inquiry date XXXX 2- XXXX XXXX Inquiry date XXXX 3- XXXX XXXX Inquiry date XXXX 4- XXXX XXXX Inquiry date XXXX 5- XXXX XXXX Inquiry date XXXX XXXX 1- XXXX XXXX Inquiry date XXXX 2- XXXX XXXX Inquiry date XXXX 3- XXXX XXXX Inquiry date XXXX 4- XXXX XXXX Inquiry date XXXX 5- XXXX Inquiry date XXXX
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 states a consumer reporting agency can not furnish a account without my written instructions u.s.c 168 ( c ) a 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information another adverse item of information other than records of convictions of crimes which antedate the report by more than 7 years 15 u.s.c 1681s2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has responsible cause to by liens that the information is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Trans Union LLC XXXX
Product: Credit reporting or other personal consumer reports

I filed a Bankruptcy in XXXX  with the federal court in Georgia in XXXX. The bankruptcy was transferred onto my private consumer report immediately after from the three major credit bureaus that are private entities and not of government agencies : Transunion, XXXX, and XXXX. The problem with this is they did not have permission from myself the consumer 15 usc 1681c identity theft nor did they have permission from the federal court 15 usc 1681 permissble purposes. On my consumer report it states the federal court reported this information, I will attach a letter from the federal court stating this misleading information and a LIE. The federal court has a system XXXX  ( Public Access to Court Records ) That anyone that pays a fee and established a username and password can access to see any public records of that of consumers. No entity has the legal right to transfer the information onto consumers report without the permission of the consumer and federal court. These bureaus have continuously violated my federal consumer right by adding this public record to my private consumer report. Furthermore, I have provided the proof that the federal court does not report bankruptcies on consumers report and the bureaus have failed to provide proof r that the reporting is legal. The CFPB has done nothing to support me as the consumer. They have only reached out to the reporting agencies and when the agencies have only validated that I have a bankruptcy but failed to validate the reporting of the bankruptcy is legally reported, the CFPB has then closed the case without proof. There has been no true justice served. The reporting of the bankruptcy has ruined my reputation and has hindered me from getting lines of credit and jobs in the past. If any creditor would like to know if I have a bankruptcy they can access the XXXX system like the credit bureaus have done to view that Public report, this should not be viewed on my private consumer credit report and I am requesting all of the reporting bureaus to remove this bankruptcy immediately.
Product: Credit card or prepaid card

Response to - XXXX1- HSBC responded with incorrect card member agreements. I saved all card member information received from HSBC. My information is different than what they provided. This is mentioned to highlight the pattern of mis-information being spewed out to customers by HSBC. If corporate relations employees can't get it right, how can telephone employees located across the world get it right? 
2- They say they attempted to find phone records to back up my claim of the phone conversation I had with their reps. There were three phone calls made, the first being the call that I was told the purchases made during the intro period would remain interest free until paid off. I have two phone numbers, both registered with HSBC. however HSBC only mentions attempting to find one phone number. For clarification the phone number used for all three phone calls pertaining to this situation were made from XXXX. 

To re-cap - we have a complaint alleging incorrect information was given to a consumer ( me ). We have a response from HSBC supplying incorrect documentation and information. This pattern, again, supports my claim that I was given the information I'm saying I was given. Whether or not it is incorrect information should not matter. What should matter is I, the consumer, called for clarification of my card member agreement and I was given the incorrect information which led me to make a financial decision that instead of benefiting me the consumer, benefits HSBC. Had I been given the correct information I would have not used the HSBC card to make my purchase. 

**Portion of previous CFPB complaint*** I received a card with an into APR of 0 percent on purchases for the first 18 months. Nowhere in my card member agreement or paperwork received from HSBC did it state whether or not the intro APR would change on purchases made but not yet repaid by the intro APR expiration date. I have a XXXX XXXX card and, the purchases made are at the intro APR until they are paid off. So, I called HSBC and asked about how the intro APR worked. I took notes. I was told the intro APR expiration would not expire on purchases made within the intro period.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. I have also directly contacted the companies associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

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

In accordance with the fair credit reporting act public record XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX Are all Fraud accounts and Public Record. 
15 U.S.C 1681 section 605B states the of information resulting from Identity Theft. I was XXXX XXXX XXXX when these Fraud accounts and public record was Incorrectly and Fraudulently was placed on my credit report. These items has hurt my credit integrity and has stopped me from receiving jobs, apartments, and the chance buy a car. These Fraud items needs to be REMOVED and DELETED from my credit report to show accurate and true information on my credit reprt.