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

On XX/XX/XXXX I had XXXX AMP tokens in my wallet. I initiated a withdrawal from Gemini to an external wallet. After initiating the transfer I received an error contact support I then refreshed my wallet and the AMP tokens were gone, no where to be seen. When I look under transaction history there are no transactions initiated that day. 

The coins have just disappeared and have not been sent anywhere. I tried reaching out to Gemini with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus a letter on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking them to verify and investigate the items on my credit report and I was told everything was correct and my updated credit reports to still shows inaccuracy. The credit bureaus stated my account was properly investigated but how is that possible if its still not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) Reporting information with actual knowledge of errors 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, credit repair services, or other personal consumer reports

hey mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and identified several inaccuracies that require immediate attention : First Progress account XXXX has provided inaccurate information : closing dates of XX/XX/year> on XXXX XXXX XX/XX/year> on XXXX XXXX and XX/XX/year> on XXXX. Last activity dates differ as well : XX/XX/year> on XXXX, XX/XX/year> on XXXX, and XX/XX/year> on XXXX. Furthermore, First Progress 's status is incorrectly listed as " closed '' on XXXX but " charged off '' according to XXXX and XXXX. 

Under the Fair Credit Reporting Act, I request an immediate investigation into these discrepancies and the removal of any inaccurate information from my credit report. I expect that you will verify these items with the respective creditors responsible for their submission. Please promptly delete any information that can not be verified by the creditor. 

As mandated by 15 U.S.C. Section 1681i ( a ), I understand that you must complete this investigation within 30 days of receiving this notice. Upon completion, kindly provide me with an updated copy of my credit report at the address provided below. 
Thank you for your prompt attention to this matter.
Product: Mortgage

i ask the money source for instructions of pay of loan amount, the money source send instructions to new mortgage co. we paid the money source the amount they calculated and ask, then thth money source took money from escrow account and said that the apy of amount was short. we paid what they ask. the money source then send explanation account loan spread sheets which does not make sensse numbers do n't match. the money source gave wrong pay of amount, due that they forgot to deduct XXXX principal and taxes and insurance that they recieved. so that no means that the pay of amount was supposed to be less than what the money source original send to new mortgage co. and we paid. it was the money source fault they did the wrong calculations, and they penalized me.
Product: Credit reporting 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 XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : # XXXX, Account name : XXXXXXXX XXXX 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 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 seven 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: Debt collection

I owed a debt to XXXX XXXX in the amount of {$520.00}. The amount was sent to Credit Collection Services. Upon settling the debt yesterday, the amount was taken from my account, and the agency did not give me a receipt. I was able to take a screenshot of the account payment. XXXX has not been notified of the payment, I am concerned that this company fraudulently withdrew funds from my account.
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 right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions. 15USC 1681 section 602 A : states i have the right to privacy. 15 USC 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 seven years. 15 USC 1681s-2 ( A ) ( 1 ) states : 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: Mortgage

My mortgage is in my ex-husbands name. I am listed as a co-borrower. I am the sole owner of the home as I was awarded this in my divorce. I have made all payments for the last 3 years on time. My ex-husband filed for bankruptcy a year ago. He excluded my home/his mortgage in his bankruptcy. His bankruptcy was XXXX in XXXX of XXXX  and had absolutely XXXX effect on the mortgage. During his XXXX, Freedom Mortgage put us in their XXXX department, and stopped our online payment option which they said would just be the case until they got notification from the attorney that his XXXX was in fact XXXX. At that point, they would re-instate our loans online payment option and access, take it out of the bankruptcy division, and then process our current application to allow me ( the homeowner ) to assume the loan into my name only. We have submitted this documentation to them on several occasions because they kept denying that they received it. We in fact paid my ex-husbands XXXX Attorney to send it over as well, and we have the emails to prove it. We have made several calls, attempted to talk to supervisors and when we finally got them to admit they had received the paperwork, they still said we would get our online access back in a " couple weeks ''. The last call, while speaking with a supervisor, we were told that we would never get our online payment option back and our account would remain in the XXXX division ... even though it was never included in the XXXX XXXX of almost a year ago. They also advised my ex-husband that our paperwork for the Loan Assumption would not ever be processed. This is not right and this loan company has acted in bad faith.
Product: Student loan

Copy B of IRS Form 1099-C Cancellation of Debt filing was sent to me by your company ( copy attached ). Please update the account ( account XXXX XXXXXXXX ) to reflect that the account has been paid in full. Also, update all credit reporting agencies of accounts being paid in full. Thank you!

Failure to Act will be reported to IRS as well as other governing bodies.
Product: Credit card

I utilize the care credit card from Synchrony Bank and i use it to buy new eyeglasses when i need them. 
Its very convenient for me to get to eyeglasses without coming up with XXXX. 
Their main reason for my credit decrease was my credit, I've always paid on time and if i was a little late i would let them know. 
Ive always kept my credit with them in good standing. 
I think Synchrony bank is discriminatory towards people in certain income brackets
Product: Credit reporting or other personal consumer reports

Over a period of XXXX months, I have filed disputes against creditors and collection companies with XXXX on the following XXXX ; report XXXX ; report XXXX ; report XX/XX/XXXX ; report # XXXX ; report # XXXX, I have forwarded dispute letters triggering account investigations on XXXX, XXXX, XXXX report # XXXX ; XXXX XXXX, XXXX XXXX report # XXXX, certified mail XXXX in XX/XX/XXXX ; XX/XX/XXXX report # XXXX, XX/XX/XXXX report # XXXX, and report # XXXX. Despite these disputes, XXXX has conspired with creditors and collection agencies to violated the following FCRA and FDCPA statutes such as 15 USC 1681s-2 ( b ) ; 15 USC 1681i ( a ) ( 6 ) ; 15 USC 1681s-2 ( a ) ( 7 ) ; 15 USC 1681s-2 ( a ) ( 5 ). I am requesting that XXXX provide me every investigation based on the disputed items in my inaccurate, misleading, or incomplete complaints. For XXXX months, XXXX has not provided me with their findings and procedures as required by statute. Further on XXXX, XXXX allowed the XXXX Police Department to use my personal identifiers to illegal open up an on line account as a XXXX membership # XXXX to monitor my XXXX XXXXXXXX XXXX account without my consent. Because of a previous lawsuit against XXXX and the XXXX Police Department in XXXX, I believe my current problems with noncompliance is a result of retaliation due a federal lawsuit filed in the XXXX XXXX XXXX under cause # XXXX. XXXX is a co-conspirator assisting my former employer to retaliate by having collection companies dump illegal and fraudulent debt on my credit report so I can't access the equity in my residence. I need all investigations to prove the conspiracy to delrive me of equal protection under law. I filed a police report on the car dealer representing XXXX XXXX XXXX under incident number, XXXX, on XXXX XXXX for falsifying a vehicle sales contract by putting down {$2500.00} which I never gave him. They were trying to sell a XXXX XXXX under manufacturer recall. I checked with the secretary of state and the XXXX that I initially gave XXXX XXXX went to XXXX XXXX XXXX XXXX which has no certificate to do business in the State of Texas dated XX/XX/XXXX.
Product: Debt collection

Mountain America Credit Union, XXXX XXXX, and the XXXX XXXX XXXX XXXX XXXX are pursuing to collect a debt that was FRAUD ON A CREDIT CARD Mountain America strong armed me into taking out a loan to pay for the fraudulent charges on my credit card I could not pay the loan which I told them before they gave me the loan! They sent it to XXXX for collections and XXXX sent it to their attorney and sued me without properly notifying me of the court date! They were issued a judgement and the constable is attempting to seize assets to pay this debt!
Product: Credit card or prepaid card

This is regarding my Capitol One Credit Card. On XX/XX/XXXX, I set out on a mission to purchase a luxury bag for my wife. Went from XXXX Washington, where I reside, to XXXX Oregon. I picked out the handbag at a XXXX store and got flagged for fraud. I called the customer protection team and they were taunting and asking me disgruntling questions avoiding helping me. Eventually I gave in and drove back home to attempt the purchase online. On XX/XX/XXXX I once again attempted to make the purchase online and it was successful ( or so I thought ) and a couple of days later I get a cancellation alert in my email saying it was flagged once again. The email was received on XX/XX/XXXX XXXX XXXX. I re-attempted the order for a different bag online. This time it was for a XXXX bag through its website and got a text message from the bank to call in order to get the fraud hold released. I called not once but thrice and every time the machine said it may be recorded for blah blah etc the call dropped. I called the direct bank phone number and it was just dead air for minutes. This is discriminating and arbitrarily illegal and requires immediate attention. I have plenty of money and have authenticated properly. 

My email is XXXX My personal number XXXX is also the primary phone number on my bank account I look forward to this being thoroughly investigated, Thank you XXXX XXXX
Product: Debt collection

Jefferson capital was asked to provide purchase agreement and a contract between me and them that stated I owe this debt and debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a victim of Identity Theft. I have two XXXX XXXX cards on my credit report for {$420.00} and {$1200.00} totaling out to {$1600.00}. Also two inquiries that aren't mine XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX  Please remove these inaccurate accounts and inquiries as soon as possible. Attached is my FTC report, ID, and social.
Product: Credit reporting or other personal consumer reports

In reviewing my credit file on XX/XX/24. I discovered an account listed as XXXX XXXX XXXX XXXX for XXXX XXXX being reported as Discharged through Bankruptcy XXXX however, this account was not included in a bankruptcy. I am requesting the removal of this record for inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

Yet again an account reporting inaccuracies being allowed to stay on my credit report and damage my score. This account is reporting as charged off, written off and past due at the same while maintaining that I am over the limit and past due for an account that is closed and has been closed as of XX/XX/2022. Also there's a debt collection agency constantly sending text for this same account. How is this possible?
Product: Student loan

In XX/XX/XXXX, MOHELA sent notice to borrowers that they needed to re-certify their income as part of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX as this is an annual requirement. According to XXXX XXXX XXXX ( XXXX ), this was incorrect and should not have happened. As a result, XXXX published notice that they were extending the IDR deadline to XX/XX/XXXX. Furthermore, for those borrowers who had already re-certified, if their payment had gone up, it would be reverted to what it was previously. My payment went from {$31.00} to {$110.00}. When I found out about the XXXX XXXX, I immediately contacted MOHELA to get the issue resolved. At the time, I was assured it was going to be taken care of that week, but as of XX/XX/XXXX, the monthly amount due were it not for the save court injunction forbearance, it is still listed as {$110.00}. Through many phone calls, complaints, requests for prior messages on MOHELA 's former platform have accomplished nothing. Even escalating this issue to XXXX has accomplished nothing. 

https : //studentaid.gov/announcements-events/idr-recertification-extended
Product: Credit reporting 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 XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : 1176 and 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 seven 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 card or prepaid card

A charge was made on XX/XX/2020 by XXXX XXXX XXXX XXXX for {$1900.00}. The job was never completed. The contract not satisfied. Several attempts have been made and still no resolution.
Product: Checking or savings account

On XX/XX/2021, I awoke to a text from my bank. This is not unusual because I receive a text every morning with my balance. However, I should have had {$1200.00} in my checking account, and the text told me that I only had {$39.00}. Immediately I opened my banking app and saw that there was a {$1200.00} " Pay Friend Transfer '' to someone named XXXX XXXX I do not know anyone by this name, and I did not authorize any transfer of money to this person. 
Immediately, I called the customer service number to speak to someone, and I also froze my debit card, just in case the person tried using my numbers to purchase anything else. 
I spoke to someone who transferred me to the disputes department. There, I was told that I would need to fill out a form. No advice was given on whether or not I should close my account and open a new one, or how quickly I could expect to get the money returned. All that was said was, " fill out this form. '' Nothing could be answered about when I could expect to hear from someone regarding this incident ... just, " fill out a form. '' And now it has been FOUR DAYS and I haven't heard one word. Not one word. My money just disappeared and I am left with nothing for FOUR DAYS. Even now, I am sitting here typing this letter while on hold, just trying to talk to someone at the bank about this. I have been transferred 3 different times, and have been on hold a total of 1 hour and 15 minutes. 
I am a single mother with XXXX children who works XXXX XXXX XXXX XXXX XXXX XXXX. I am literally left with no access to funds and no one seeming to care or want to help. I'm tired of " filling out forms. '' I did nothing wrong. I was the victim of a theft, and I need my money. My rent was due on the XXXX, and I have had a transaction go through and now my account is in the negative. 
I just need someone to help me. {$1200.00} is such a large amount to me, I can not tell you how devastating this has been to me and my family.
Product: Checking or savings account

On XX/XX/18 an unauthorized charge was made to my account from a company called XXXX. After working with a representative at BMO Harris Bank to try and fix the issue, I received a letter in the mail claiming that I did in fact authorize the transaction and my claim was being closed. I tried to contact XXXX but was unable to speak with anyone about my issue. I am disputing this chain of events. The unauthorized charge from XXXX was for {$970.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to their inadequate customer service and unfair practices, which violates 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

three accounts as student loans are reporting under my name on equifax credit reporting agency only. they are giving me a very hard time removing these inaccuracies, these account / loans i had never had, and never inquired, never went to school here. please help me with this i have been disputing these inaccuracies with equifax for more than a year, and no one has tried to help me at equifax. you are my last hope. 
please have these inaccurate accounts removed from my credit file thank you
Product: Credit reporting or other personal consumer reports

I paid lex law to repair my credit and took monthly payments and didn't repair my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint today because of invalid information reported on my credit report. 'XXXX XXXX/ XXXX XXXX ' XXXX XXXX, Ohio XXXX has been recording false information on my credit report. I am under a cordial agreement with the company, the agreement states that I'm scheduled to pay a balance of $ XXXX monthly, by the XXXX of each month. However, by choice I've been paying a total of $ XXXX monthly. This payment is drafted directly from my checking account each month on the agreed date. Although my payments are being paid on time the creditor has statements on my credit report insisting that my payments are being paid thirty, sixty, and ninety days late this is false, the inaccurate reporting is very damaging to my credit file. I have made numerous attempts to have the creditor correct this information via phone and disputes directly through the credit bureau. XXXX XXXX/ XXXX XXXX has disregarded each attempt and continued to report damaging false information.