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

General Obligation : Commencing on or around XX/XX/year>, I fell victim to a multi-layered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Crypto.com did not take notice of any rule, law, or
regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Crypto.coms custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Crypto.com promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Crypto.com was in compliance with its own policies and procedures ; ( v ) whether Crypto.com owed duties to myself, what the scope of those duties was, and whether Crypto.com did not uphold those duties ; ( vi ) whether Crypto.coms conduct was unfair ; and ( vii ) whether Crypto.com has within its power the ability to, and should, compensate me for the harm that has befallen me.

Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity, and properly communicate to the customer that such activity meets the relevant criteria of fraud.
Product: Credit reporting

Equifax is listing a XXXX debt which I do not owe XXXX, I have sent a dispute to Equifax and they stated they verified so I took it upon myself to contact XXXX which XXXX confirmed I do not owe them ANYTHING. This is wrong information listed. Please help as Equifax is doing nothing about this issue. It is a XXXX account XXXX I want this removed, There is also a public record listed from a XXXX XXXX which is also inaccurate and nothing happened when I disputed I also want removed
Product: Debt collection

In XX/XX/2017 I disputed a unknown collection on my credit report with the 3 credit bureaus. Two weeks later the debt came back verified. I then mailed a letter to XXXX XXXX asking them to validate the debt. Asking for proof they own the debt, proof they are licensed to collect in my state, and the original aggreement showing I have an account with them showing my signature for the {$2200.00} collection on my credit report. They sent me a one page computer generated statement. I then redisputed the collection again with the credit bureaus, and they again verified the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card at the end of XX/XX/XXXX and was denied stating that I did not have a credit report nor a credit score. In late XX/XX/XXXX I attempted to get my free credit reports using the XXXX web site. I was not able to get my credit report online at the time. I received a letter from Equifax dated XX/XX/XXXX, that was mailed to my correct current address of XXXX XXXX XXXX XXXX , XXXX OH XXXX. The letter stated that I needed to provide documents about my identity showing my " current '' mailing address of XXXX XXXX XXXX, XXXX  OH XXXX. I have not had that address for over five years. That same letter later states my correct current mailing address when it requested documents. 

About XX/XX/XXXX I sent in a copy of their letter requesting the documents. I included a copy of my driver 's license, a copy of my Social Security card, a recent utility bill, and a copy of my birth certificate. 

As of XX/XX/XXXX they have failed to respond to the request for a copy of my credit report.
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 Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX 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 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: Mortgage

My mortgage processor informed me XXXX hours out that we 'd have to postpone closing ( originally scheduled for XXXX XXXX ) for an undetermined period of time. This is a result of the mortgage company waiting until the last minute to conduct a follow-up appraisal and then informing me the day before the anticipated settlement date that they would be unable to close by the specified date ( after we made application with them ~XXXX months before this anticipated closing date ), forcing me to violate the terms of my purchase agreement due to the fact that we were unable to close by the date specified in the agreement of sale. The original appraisal was contingent upon septic system repairs being completed ... these repairs had been completed XXXX weeks prior to closing, but my mortgage processor waited until XXXX weeks before the closing date to tell me that this follow-up would be needed and they 'd be requesting it then. All along in this process, I 've been told we 're ahead of schedule. This is unacceptable that I was forced to postpone closing at the last minute and that they did n't tell me we 'd be forced to postpone until XXXX hours before settlement. Now the mortgage processor is saying that we wo n't be able to close until XXXX XXXX at the earliest, forcing me to pay an additional ~ {$1000.00} of interest up front that I otherwise would not have had to pay at settlement ... forcing me to do this at the last minute without warning smacks of an unfair, deceptive, and abusive practice.
Product: Credit card or prepaid card

On XX/XX/22 I submitted a negotiable payment to a credit card account as well as a payment to a loan payment paying off both accounts using negotiable instruments as payment enclosed is a copy of the tracking number # XXXX XXXX XXXX XXXX XXXX I was forced to make a payment via checking account due to the fact it was not processed and I had to make a payment using my debit card for both accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian credit bureau XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit card

The problem started after I fill out an auto application with XXXX XXXX XXXX XXXX VA. 
on XX/XX/XXXX. 
The first card application from Discover card I didn't summit on XX/XX/XXXX, that was denied came in the mail, then a notification from XXXX XXXX a case has been file with them. 
Discover card was contacted. 
Now on XX/XX/XXXX, I have received denied application from XXXX XXXX credit services and XXXX XXXX credit services.
Product: Credit reporting or other personal consumer reports

I did a lease for a vehicle through a title trust company. I paid off a XXXX XXXX accord and received the title issuance on XX/XX/2024 Title number XXXX. 
I have been checking my credit report 4 months now and the update hasn't reflected my report. I ask for an update and I get the run around and I know when ever something is done with an account it should be updated as soon as possible or its in accurate and will affect my ability of obtaining credit.Equifax refuse to update my account according to FDCPA & FCRA guidelines and it seems to be a conflict of interest because they are paid by 3rd parties to furnish bad debt for a long period of time because they make money from them
Product: Credit card or prepaid card

I have a credit card through my credit union XXXX XXXX XXXX the name of the card servicer is Elan Financial services. My payment is due every month on the XXXX. I am on time with making payments on the XXXX of every month. However, it appears I am still being charged a late fee and an over the limit fee every month. At this point, I called them and tried to get this resolved. However, they said even though I paid on time, the payment posted after the due date. I don't feel this is fair because- if the payment is made on the due date- why should I be charged all these fees? They are taking advantage of me and causing me financial distress- not to mention this card is ruining my credit worthiness.
Product: Credit card

I filed a claim for my dryer that broke as I am seeking the additional 1 year warranty coverage my credit card provides. I filed the claim on XX/XX/year>. I included a receipt, credit card statement, and video of the dryer showing it was broken. I was then contacted and informed I needed a different receipt and a repair invoice. I obtained a different receipt and contacted XXXX XXXX XXXX  who acts as an agent of Chase to request they send out a representative to inspect the dryer as I don't think it's fair to require me to pay out of pocket for an inspection. They accepted the receipt. They refused to send someone out in person and recommended I use XXXX XXXX repair for the inspection. I contacted XXXX and scheduled an inspection in which I paid {$110.00}. I submitted the receipt and diagnosis report and was informed the report needed the dryers model and serial number. I had already sent in a video of the dryer with that information, but resubmitted a new report that included that too. I was then informed that, they will require a more detailed report as the prior report isn't enough.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 I used a credit software to request a full investigation into items on my credit report because they were inaccurate. I sent my letters to all 3 credit bureaus and did not receive a response for over 2 months from XXXX and I did not receive a response from XXXX or Equifax at all. When I did receive a response from XXXX, they stated they wanted to be sure it was me that was requesting the investigation basically a stall letter. I sent another letter requesting a full investigation into the discrepancies on my report and did not receive a response from Equifax or XXXX but one from XXXX another 2 months later stating the same thing XXXX stated they wanted to be sure it was me. I responded with a third letter stating I have a right to use credit repair software and I am NOT a credit company. I, to this date have not received a response to any of my letters requesting an investigation nor have they removed the inaccurate information from my credit report. I am trying to move my family into a better living situation and this is impacting my apartment search because of the erroneous items on my credit report. I would like to have the items deleted from my credit reports from all three bureaus please. In addition, I contacted the XXXX XXXX XXXX office to request how they report the bankruptcy to the credit bureaus and they never responded. I am aware they do not report these circumstances to credit bureaus. This bankruptcy being reported on my credit report is also erroneous.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO TransUnion credit report, which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of an auto loan opened at XXXX on XX/XX/year> under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws.

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Mortgage

I purchased my own homeowners insurance in XXXX of 2014. On XXXX of 2014, Greentree placed lender placed insurance plus unneeded flood insurance in the amounts of {$1500.00} and {$1900.00} on my property creating an escrow shortage. They have acknowledged that I had insurance ( 1 year later XXXX but are still insisting that I owe escrow resulting in my on-time mortgage payments being credited toward escrow shortages and then being considered late. I have made all of my payments on time yet they asked for an additional {$1300.00} in XXXX. They have threatened to foreclose and bounce me from representative to representative with never a resolution. There is no physical address to get a signature from so they do not acknoledge receipt. I am honestly ready to let them foreclose in the hopes I can get a resolution with a judge present.
Product: Credit card or prepaid card

My complaint is with the following companies. 

1. XXXX XXXX 2.Capital One 3. Mastercaed I booked an XXXX XXXX on XX/XX/XXXX - XXXX. The XXXX XXXX property was not as advertised. Due to the timing of the wedding, food preparation, location, and mutliple travelers arrival upon check in- the unit was less than satisifactory. This information was brought to the host via messenger prior to check out and I was met with a unprofessional response that me and my guest threw a large party and I am not getting a refund - so there is no need to send pictures of the property taken upon check in. I notified XXXX XXXX and was given the run around and ultimately deferred back to the host. To avoid combative arguing - I notified XXXX XXXX that I would dispute the charges with capital one. 

Capital one provided a provisional credit during the dispute, removed the credit, and sent a letter that took 10 days to arrive to my home denying my claim. Within this letter, I was given the option to request for my claim to be re-opened and the option was then given to me to submit the respective support which includes video and images of the property compared to what was advertised. My claim was denied stating " insufficient support :. 

I was also told that mastercared does not accept images for review. I was also referred back to the merchant in which I have decided to pursue this all the way into taking legal action to recover costs and damages for what I feel is discriminatoruy practices. I am requesting a full refund and preparing to file a legal complaint against all parties.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my consumer report and noticed several inaccuracies on my account. With all the inaccuracies it has enabled my ability to obtain credit. FCRA insures me that Equifax will investigate this account to ensure accuracy. Here is the account Im referring to verify the information is accurate. XXXX XXXX account # XXXX. Challenging date of First Delinquency.
Product: Credit reporting or other personal consumer reports

Big problem... 

Employment with chase ... XXXX  XXXX ... or earlier, wrong ful termination ..... 

Personal info and credit problem output, out there... not good... defamated discriminated retaliated persecuted ilegally restricted Had by XXXX, about XXXX XXXX credit line... stolen and they closed down my credit card even though I was making payments Advised about investment account under someone else 's identity... not surprised Asked for investigations ... no solution ... blacklisted, retaliation... many witnesses..threats from some...
Product: Credit reporting, credit repair services, or other personal consumer reports

After throughly investigating all agreements & disclosures provided to me by ONEMAIN FINANCIAL GROUP LLC on XX/XX/2021, it has been determined that ONEMAIN FINANCIAL GROUP LLC 's contract and or agreement used fraudulent inducement when it failed to uphold it's obligation with respect to the disclosure of the consumers personal information because the provided disclosure 's falsely represented, concealed, suppressed and or intentionally failed to disclose material facts required by 15 US Code 6802 ( a ) ( b ) ( 1 ) of the GLBA ; which deceived and was intended to deceive the consumer into believing it had no right or option to Opt Out of having it's account information furnished to consumer reporting agencies, when in FACT it did. 

After deceiving the consumer, ONEMAIN FINANCIAL GROUP LLC deprived the consumer of it's right to privacy by furnishing private account information to consumer reporting agencies without the consumers expressed consent and without any other lawful authority. These acts constituents Identity Theft pursuant to 15 US Code 1681 ( q ) ( 3 ) and RCW 9.35.020 and establish existing FRAUD and therefore VOIDS the contract and makes it un-enforcible. 

These criminal acts have caused the consumer damages in the form of loss of opportunities and wages.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I tried to send around XXXX ( XXXX XXXX XXXX litecoins from Coinbase XXXX to XXXX. Usually, this process should take 30 minutes.

This time, my transaction never hit the block chain and its been left on pending for approximately 15 hours. Coinbase XXXX  did not provide me with a transaction ID and my balance still says I have the approximate XXXX XXXX, but i can not touch them as they are still " pending '' I contacted Coinbase and they did not help me. this is a lot of money to be messing with. 

The case # s from coinbase are # XXXX and # XXXX
Product: Checking or savings account

I have a Citizens Access ( CA ) online high yield savings account. It is to my XXXX XXXX ( XXXX ) checking and savings account to transfer funds between accounts. On XX/XX/22 I attempted to transfer XXXX {$1500.00} from XXXX to CA. This would have brought the CA balance to approximately {$9500.00}. Somehow, the CA account continued to increase in {$1500.00} increments XXXX more times on XX/XX/22. XXXX has declined XXXX of these so far. I talked with CA Rep XXXX on XX/XX/22 and she said these would jus fall off at the end of the month. Yet the {$1500.00} pending transfers keep increasing. This could wreck my XXXX account, which is my main account.
Product: Debt collection

CAPIO PARTNERS added a collection to my credit reports without my knowledge. 
I have never received any written correspondence from this company. CAPIO PARTNERS reported this collection to XXXX, XXXX, and XXXX in the amount of {$420.00}, opened on XX/XX/19. This information is invalid. I have no knowledge of where this debt comes from. I have not received any correspondences from the original creditor or this company. CAPIO PARTNERS putting this collection item on my credit reports without my knowledge violates the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. This letter is required under law and states my right to dispute the validity of the debt within 30 days. They took that away from me and it is illegal to do so. They have not only done this once, but TWICE without my knowledge on XX/XX/19 and XX/XX/19. This item needs to be removed from XXXX, XXXX, and XXXX immediately as I have no business with CAPIO PARTNERS nor was a debt validation letter sent to me. No signed contract by me, bill, nothing. This needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.