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

I sold all the crypto I had held with crypto.com digital wallet. I have just USD holdings in their wallet at this point and they will not allow me access to the funds or provide any input of how to get access. I am unable to withdraw the money because I do not have the 2FA application created when I opened the account. I have asked what the application would be so I can get it again, I have asked how to transfer, how to withdraw, any steps I can take to obtain my money. Their only email response was to ask if I still had the issue. I responded yes, I haven't heard back.
Product: Credit card

On XX/XX/2023 I applied for a preferred visa credit card form USAA. 
On XX/XX/2023 I called USAA to check the status of my credit application and to inquire if I accured mulitple inquiry as I was unsure of the credit application process so I filed for a few other credit cards I was interested in. 
I was told by my USAA agent and assured that USAA will call me at my confirmed phone number and/or email me. 
On XX/XX/2023 I got an email from USAA that said I had received a notification. Upon checking my application was denied for unable to verify my identity. I called back USAA and spoke to several representatives who could not give a Direct answer. 
I finally was informed that USAA called only once and made a decision without any further contact to an old outdated number. I was informed by XXXX and USAA that they have my current number. This was confirmed before, during, and after my application was pending. USAA has not attempted to correct this error of confirming my identity even with me on the phone applying again. ( As instructed by a representative by the name XXXX, who said just XXXX simple XXXX call was unacceptable as an only attempt to notify me of the issue ) My final application was automatically denied due to too many applications being applied for. USAA can not manually approve my application and stated I must re-apply for credit and suffer another credit inquiry. 

All this could have been avoided by calling the correct phone number or sending me a notification like they always do.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On or about XX/XX/2018, the Libellant sent a Credit Dispute : Demand to Remove and Delete Unverified Accounts/items/inquiries to TRANSUNION LLC. This notice was sent by USPS Certified Mail # XXXX XXXX and was delivered on XX/XX/2018 : Per USPS XXXX Return Receipt in the possession of the Libellant, TRANSUNION LLC did not respond with proof of claim. Despite prior two written requests, the unverified items listed remain on my credit report in violation of Federal Law. As a matter of law, TRANSUNION LLC was  required under the FCRA to have a copy of the original creditor? s documentation on file to verify that this information is mine and is correct. TRANSUNION LLC did NOT provide me a copy ofANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( l ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore TRANSUNION LLC have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). TRANSUNION LLC  did not comply under Section 611 ( 5 ) ( A ) of the FCRA? by promptly deleting all information which can not be verified. Pursuant to Section 616 and 617, the law is very clear as to the civil liability and remedy available, and the libellant fully hereby enforce my rights under the FCRA. 2. On or about XX/XX/2018, the Libellant sent a NOTICE OF PENDING LITIGATION to TRANSUNION LLC. This notice was sent by Certified Mail # XXXX and was delivered on XX/XX/2018. Per USPS XXXX Return Receipt in the possession of the Libellant, TRANSUNION LLC did not respond with proof of claim. As a matter of law, TRANSUNION LLC was required under the FCRA to have a copy of the original creditor? s documentation on file to verify that this information is mine and is correct.
Product: Mortgage

On XX/XX/2020 I received a notification from USAA demanding proof of flood insurance for home equity line of credit otherwise coverage would be forced placed. I have flood insurance through USAA. Why is USAA sending me forced placement notices? 

After attempting to follow the instructions, the automated prompts provided another number for me to call. 

I spoke to someone although I am not confident the appropriate action is taken as there was no follow-up phone call or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX services I had never apply for their service and I got a credit inquire from them on XX/XX/2018. I had call them at XXXX and they could not location an account with my social security number, so they advised me to dispute with consumer financial gov. 
As well two other inquiries from synch on XX/XX/2018 they number is XXXX. XXXX on XX/XX/2018 did an inquiry without my consent.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that cred it reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  XXXX : Account number : XXXX, This account is a result of identity theft. 
Bankruptcy XXXX XXXX - Discharged : Account number : XXXX, This account is a result of identity theft. 
XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXXXXXX XXXX  : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXXXXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXXXXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 

I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k.

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Credit reporting or other personal consumer reports

I am disputing, yet another violation of my consumer rights. Under 15 US Code 1629c ( c ), it clearly states if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector MUST CEASE ALL COMMUNICATIONS. I have been receiving constant phone calls, text messages and emails and at will to sue!

I do NOT have a contract with these collection companies and have no knowledge of them. Therefore, you must DELETE from my credit report immediately. 

1 ) Lockhart, Morris, & Mont XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and my request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, dated at XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$1800.00}
Product: Debt collection

I entered into a settlement agreement with Midland Credit Management, on which I was to make monthly payments of $ XXXX until the debt was paid in full. I gave this agency my banking information and they were taking my payments, as agreed, from my checking account. I even listened to their recorded version of their terms and conditions, and agreed by pressing " 1 '' on my telephone keypad. I gave them my full name, to be included with the automated commitment to pay. I changed banks in early XXXX, and called to notify them of the change, provided them with my new banking information, listened to their recorded terms and conditions, and agreed by pressing " 1 '' on my telephone keypad. I was operating under the assumption, based on what I was told by the telephone representative, that they would begin to use my new banking information, to finish out the payment agreement. I received a statement from Midland Credit Management, via USPS, showing the payment amount due, the payment due date, and the plan balance. I reconciled the automated drafts, showing on my bank statements and found that they had not taken my payment for XXXX, XXXX, or XXXX. In XXXX I received another call, which resulted in my giving all of my information to them, in the identical way that I had originally entered into the agreement. I had another call, XXXX, and this call was identical to the calls in XXXX and XXXX. I gave them my information again, exactly the same way that I had done when I called to advise that my banking information had changed. Now it is the end of XXXX, and I received a blocked call, which went to my voicemail. I listened to my voicemail and found that it is another call from Midland Credit Management. At this point I am extremely suspicious over what they may be using my personal information for, since it obviously isn't for taking the final installment, which would result in the account being paid to a XXXX balance and satisfy the terms of my original contract with this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, I am reaching out to voice my concerns about how my dispute over incorrect late accounts listed on my credit report was managed. 

Recently, I got an updated letter from your company stating that these inaccurately reported late accounts were verified. However, I'm concerned about the apparent neglect of the new and relevant information I submitted, which clearly shows these late accounts are inaccuracies. I wonder if this information was shared with the creditor during your investigation. 

During my study on the management of consumer complaints, I encountered details on the XXXX XXXX  utilized by your organization for probing into these matters. It's crucial to underline that this mechanism is not without its flaws, and its dependency could result in imprecisions while resolving disputes. 

Moreover, Federal Trade Commission ( FTC ) regulations mandate that credit bureaus must carry out comprehensive investigations into consumer disputes, rather than just echoing data from creditors and collection agencies. A genuine investigation must be carried out on the mentioned late account. 

Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX If your company fails to take the necessary steps, I will be compelled to lodge several complaints and consult with a lawyer who specializes in the Fair Credit Reporting Act ( FCRA ). 

I strongly recommend initiating a fresh inquiry into this issue immediately, making certain that my rights according to the FCRA are maintained. 

I appreciate your focus on this issue. 

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

I have two medical ones. The thing is that on one of those I had medical which should have paid for it. On thee other one the company I worked for also was supposed to pay for the expense.
Product: Credit reporting or other personal consumer reports

The unfavorable rating on my account is a source of considerable alarm. I'm gravely concerned about how this may affect my credit standing. It has already led to the rejection of a recent loan application and escalated interest rates on my current credit accounts. I can not overstate the financial hardship and emotional toll this negative rating has inflicted and will continue to inflict until this issue is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

GMC financial failed to send me in writing why I still have a balance on a closed lease contract. The lease was paid in full for the 3 year term and turned by in on time! I have talked to several reps to no avail. They put incorrect information on my credit report which caused my score to drop. I never received any letters saying what the charges were for? Also 3 years later it slapped on my credit report because the debt was sold. This is so wrong and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I mailed in dispute letters to Equifax, XXXX and XXXX. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me stressed and is slowing down my process of getting a home. Also I am a victim of the Equifax data breach. Its been over 45 days and i have not gotten any results.
Product: Credit card or prepaid card

On XX/XX/2018, credit card payment of {$8000.00} was made and it was posted on Barclays credit card on XX/XX/2018. 

On XX/XX/2018 ( same day ), Barclays Card decreased credit limit to {$6900.00} ( decreased for the amount of the {$8000.00} payment made and posted ) without any notification to customer ( myself ). This is abusive business practice as a registered financial institution. 

On XX/XX/2018, I called customer service, spoke to customer service representative name XXXX ( ID # : XXXX / XXXX XXXX office ) and confirmed that there's no letter/notification went out to customer. ( XXXX ) Barclays credit card is in standing, always was, never made late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

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

15 USC .1681 section 604A section 2 : It also states a consumer reporting agency can not furnisha account without my written instruction.
Product: Credit reporting or other personal consumer reports

I got a notice ( not the first time ) from AMEX that XXXX has lowered my credit rating again. I called customer support twice and went on the XXXX website multiple times to ask why but they wont say why. I am not late with any payments. In fact, I have no debt. Experian flat out wont answer why they have repeatedly lowered my credit rating. I have gone from over XXXX to low XXXX but no one will explain why. Are they discriminating because I am retired, turned XXXX, and have no debt? They wont tell me.
Product: Credit card

I use BJs gas a lot so I got a credit card at the suggestion so a BJs associate. The dont let you use a XXXX XXXX so I had to use my physical address. I live in a rule area and we only get our Mail through a XXXX XXXX XXXX 
When I did use the card which was once to get gas it was XXXX. Because the Mail went to my street address it was lost for a week or so till the person that got it in the wrong box gave it back. 
Immediately when I got the bill I called told them to let them know and they waved the XXXX late charge. I also asked the representative what I owed and was that everything she said yes and told me it was all taken care of and wiped out. 
I never even looked at the bill in XXXX because I knew I paid it off and there should be nothing on it. XXXX came and I got another bill I opened it and it stated I owed them XXXX. I called them on XXXX XXXX and for 2 hours I went around in circles. The amount was not XXXX its now XXXX. 
The rational is that after I paid the XXXX there is an Interest of XXXX fee. A fee I knew nothing about. The representative I talked to said I owed nothing else. After talking to both the representative of capital one and the supervisor XXXX ID NUMBER XXXX. They told me they would wave the 1.50 interest charge but I will still have to pay the XXXX. I said if your waving the 1.50 interest charge thats what you assessed the late fees on then those should also be taken away. He informed me that if I dont pay these charges by XXXX XXXX I will keep accumulating XXXX charges all going on my credit report. For a card that was suppose to save me money on gas I now am paying XXXX for a tank of gas. 
I told them to turn off the card that none of this made any since. 
All of these call are taped Im sure and I dont know where to go with it. What a rip off. Then I found out that capital one has done the same thing to other people I know. Which is why Im coming to you.
Product: Credit card or prepaid card

On or about XX/XX/XXXX, My concern is card issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts.

Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis inXX/XX/XXXX, whereas my credit score plummeted from XXXX ( GOOD ) to XXXX ( POOR ) condition, as if overnight. Failure for Consideration for credit line increase to provide for balance transfers to slow down the rate of pay-down. This would be achieved by reducing the minimum payment ratio from 10 % of the balance outstanding to 5 % for example or by offering payment holidays.

The rate increase and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply.

Card issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so.

This behavior deprived me of ability to meet Hardships & Emergency financial needs during Family crisis at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek & qualify for Credit card Debt relief and/or Chapter XXXX Bankruptcy methods. On or about XX/XX/XXXX My concern is card issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts.

Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis in XX/XX/XXXX whereas my credit score to plummeted from XXXX ( GOOD ) to XXXX, ( POOR ) condition, as if overnight. Failure for Consideration for credit line increase to provide for balance transfers to slow down the rate of pay-down. This would be achieved by reducing the minimum payment ratio from 10 % of the balance outstanding to 5 % for example or by offering payment holidays.

The rate increase and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply.

Card issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so.

This behavior deprived me of ability to meet Hardships & Emergency financial needs during Family crisis at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek & qualify for Credit card Debt relief and/or Chapter XXXX Bankruptcy methods. Have been a long time customer in good standing since approximately year XX/XX/XXXX.
Product: Credit card

I made a {$900.00} purchase using my care credit card. I was granted 12 months of interest free payments for that transaction. Once that promotion ends, I would be charged 26.9 % on the remaining balance. During the course of the year, synchrony bank took over Care Credit. On XX/XX/XXXX, my balance was down to {$350.00}. This company charged me 26 % on the original balance which is not on the terms I agreed to when I first joined this company as Care Credit. I contacted Synchrony and the rep told me that she could n't tell me my new interest rate/agreement. I told her this was deceptive as I had not signed these terms nor agreed to them.