23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My Apple credit card has been locked for about a month and I can not make payments until XXXX days after the payment is due. Its about to be XXXX months since my card locked and Ive already contacted customer service and they said that they cant unlock my card because my phone number does not match the card on file. I tried changing it but they said they cant because the name on that phone number that Im trying to change it to doesnt match my name so they cant change it until that changes and Ive already tried so many times to fix in and they wont fix it, which is making me have late payments, which is affecting my score. I also tried making payments through the phone and they said that they couldnt take my payment because my card is locked and recently before I got paid I called again to see if I could try to make a payment and they said yes through a different line program, but Im not sure what is going on. I just need this fixed and I have no clue how to fix this or who to contact to make a big complaint because this is really ridiculous. Ive been trying to fix this problem already.
Product: Money transfer, virtual currency, or money service

I transfer funds to Gemini cryptocurrency exchange from my brokerage account. Because of unreasonable restriction on trading ( they required me sending my photo with a handwritten note after they received the funds from my XXXX account ) I decided to pull my funds back where their software guided me to send my funds to the account from which wire was received. Apparently it is impossible to do this because money was sent from the brokerage account. I was not alerted to this and money bounced back with a {$50.00} administration fee. It was their software that provided me only option which was erroneous. Why I need to pay a fee for this? After this I sent them information about my bank account and directed them to send the funds to this account. They listed this account as a linked account however they make it impossible to transfer funds to my bank account. They do not responds to emails ( they just have a bot responses saying that their experts are working on responding ). I sent them multiple emails and did not get a response. They do not list any other ways that I can contact them. So from my end it looks like total scam. They hold my funds and block my access to the money I just transferred. 
I do not recommend anyone to trade on Gemini exchange. They have absolute ZERO customer support and their software is very primitive so if you make a minimal diversion from their prescribed limited mode of operation your funds will be stuck there forever and there is no-one to talk or email to. It looks like a scam.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 : XXXXXXXX XXXX XXXX XXXXXXXX XXXX : # XXXX, Account name : XXXX XXXX XXXX XXXX : # XXXX,, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name XXXX XXXX XXXX  Acc : # XXXX, Account Name : XXXX XXXX XXXX  Acc # 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: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Credit Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX : XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2, they are supposed to 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

I had an outstanding debt with USAA savings bank. I contacted them on XX/XX/XXXX of this year to make a settlement offer. USAA agreed to a settlement in the amount of {$3200.00} ( Settlement agreement attached ) Immediately upon agreement, I overnighted a check to USAA in the amount of {$3200.00}. This check was deposited and cleared my bank on XX/XX/2023. ( Cancelled Check attached ) I contacted XXXX and filed a dispute to update the reporting to reflect the agreement. I uploaded a copy of the agreement along with the cancelled check in the XXXX portal and confirmed receipt by phone. 

XXXX explained that any documentation would be considered fraudulent and false unless confirmed by USAA. They further explained that ANY information received by a consumer is considered to be false and any information received by a creditor is considered to be true. 

When XXXX contacted USAA they responded by saying they had received NO payment and the account balance and status remain Unchanged. 

I contacted USAA and was told the employees that respond to disputes did NOT speak to consumers and there was no recourse. 

Having no further recourse with the creditor or the credit reporting company, I am asking the CFPB to respond.
Product: Credit card or prepaid card

Bank of America approved an XXXX credit card in XX/XX/XXXX and an XXXX XXXX card in XXXX of XXXX. Both of these cards were in my maiden name, a name that is no longer legal. I received notification from Bank of America that my claim for the first card was resolved on XX/XX/XXXX but they are refusing to resolve the second claim, saying the " information is correct '' even though XXXX disputed the claim on my behalf. Bank of America said both accounts were closed but my XXXX report stilled showed XXXX as open. This card ends in XXXX. I don't have the other numbers because I was instructed to destroy it. 

All credit monitoring agencies have been contacted and my credit has been frozen. 

I also received a letter from the Department of Labor from the state of Maryland about a fraudulent unemployment claim on XX/XX/XXXX. I immediately emailed the agency and indicated that this was not valid claim.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account XXXX  Date XXXX Account Number XXXX Reason for dispute_IDENTITY THEFT_ Account Amount ____ Account Name XXXX XXXX XXXX XXXX Account Number XXXX Reason for dispute IDENTITY XXXX Account XXXX Account Name XXXX XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account Amount Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX bankruptcy XXXX Filed Date : XX/XX/XXXX Reference Number XXXX XXXX XXXX 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

I consulted with a representative of Southwest Funding to refinance my home mortgage. I actually have two loans that were going to be rolled into one large one, in excess of {$500000.00}. Since my income alone was not able to qualify for the refinance, my parents were set up to co-sign for the loan. I was repeatedly told that everything looked good. At the last minute, however, the agent told me that the underwriter was requesting a letter to be written by a financial institution that needed to state something that was not true. The letter was to state that a particular annuity would provide a specific amount of money every month for a certain duration. I explained to the agent that was not how that particular annuity worked, and that all the other sources of income were more than sufficient to cover the amount in question. Though the annuity COULD regularly provide the requested funds, it would be financially unwise to do so, and that promising that it WOULD provide them would be dishonest. He told me that the letter was an absolute requirement, and that I would be free to renege on that promise after the loan went through. I explained that, to my understanding, making a statement that was false for the sole purpose of obtaining a loan constitutes fraud. He then told me that his superiors at Southwest Funding therefore decided to refuse to do business with me. My complaint is that Southwest Funding asked me and my family to commit fraud by misrepresenting our financial situation in order to obtain a loan, and when I refused, they ended the business relationship. I have documentation that supports every aspect of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below is paid off. 
XXXX XXXX Last reported : XXXX XXXX, XXXX {$51000.00} Good Overview You 've paid off 1 % of the original amount. 
Balance {$51000.00} Highest Balance {$52000.00} Monthly payment {$1000.00} Opened XXXX XXXX, XXXX ( 2 mos ) Term 72 months Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Open Type Automobile Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0
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 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 los, and I seek appropriate redress for these violations.
Product: Debt collection

I keep keep receiving phone calls from a company that says I owe {$1200.00} from a payday loan in 2011. I keep getting harassed saying if I do n't pay the money, I will go to jail.
Product: Checking or savings account

I suffer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Wells Fargo is the bank, for which I have an account, I have informed Wells Fargo of my XXXX XXXX and of the communications accommodations as required by the Americans With XXXX XXXX, for which they have acknowledged. 

Wells Fargo has a verification process, when you, their automated system, ask for verification information, which before you can be transferred to anyone, the automated system requires the input of the verification information. This automated system because it is supplied by Wells Fargo and as part of their verification process comports with the consumer credit protection act! 

The consumer credit protection act, only allows for verification once while connected in system on the same call. The law does not permit for continual and repeated verification during the same call while being transferred in system! 

I'm on a call at this very moment with Wells Fargo, and the representative asked me for my phone number and said they would send me a verification code to my phone, all I gave her was my name she already had my information in front of her she sent me a verification code I read it back to her and that was it. This is the first representative who even suggested that such was an option! 

The XXXX XXXX ( XXXX ) requires financial institutions to protect the privacy of consumer information. It mandates that companies implement safeguards to protect customer information efficiently and securely, which can be interpreted to discourage redundant and burdensome verification practices. 

Relevant Case XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX ( XXXX ) Summary : This case emphasized the importance of protecting personal information and preventing its misuse. It underscores the principles of consumer privacy and proper handling of personal data. 
FTC XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : This case involved the FTC taking action against deceptive practices related to consumer information, highlighting the need for fair and reasonable practices in handling consumer data. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Summary : This case dealt with the mishandling of consumer data and underscored the necessity for institutions to have appropriate and non-intrusive security measures in place. 

Repeated verification is a redundancy and does not help protect the account, And since the law mandates efficiency, repeatedly in the same call, while connected to the same system, is not efficient if there is a need to verify at each transfer, it's a redundancy, and it violates my right of access to my account for which Wells Fargo operates as custodian only and not owner of the account! They are verifying my account not their account and by law, they operate as my agent!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8300.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8300.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I just checked my credit report for the first time in XXXX  years and have had an outstanding balance of {$80.00} with bank of America since XXXX. 

I did not receive a bill, to my knowledge, for this amount in the mail, or by e-mail ( the company has both addresses ). As soon as I saw it I paid it off ; all of my other accounts are in good standing. I would like to have the delinquent reporting removed, as I was unaware of this balance, and it is affecting my credit. 

I pad it off with Bank of America as soon as I saw on my credit report : confirmation number XXXX
Product: Checking or savings account

Filed dispute XX/XX/17. Bank asked for more information ( not clear on how to submit ) and I submitted the information. Purchase was from brick and mortar and bank denied dispute because i put the item received date was the same as item purchased. I called back to get a clearer answer and representatives said they would flag it for reopening at this time I also submitted photos supporting my claim. A week later my temporary credit was removed and I called again. Again I was told the dispute would be reopened. It was not. Letter in the mail gives reason as not submitting requested information. Even the representatives on the phone were confused as to why when I called back in. They stated all information was there.
Product: Checking or savings account

I was informed that my account was being closed due to third party deposits inside of my account from two different step cousins, the deposits were coming since XXXX hard to believe if there where a problem that they would allow it for so long, on XX/XX/XXXX I received a XXXX hold on my account I then called the bank and they informed me that I had to take my two step cousins and add them to each account, I took one and added him and once I got around to taking the other one due to schedules they said it was no need my account was being closed anyway, I can get the idea but its not fraud if they knew and didnt think they can open a account. Now my money is being held I have no access to move let alone by kids diaper! Ive called numerous of times and have received so much information my head is starting to XXXX! And there still accepting deposits instead of sending them back so I can atleast have some money! My taxes just got sent another big deposit! Was made! And I cant change it because we all know you cant update your direct deposit on taxes once it sent and the other company i called multiple times no answers so my payment was accepted by boa! Im completely shocked at this and hopping something gives!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.