23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is XXXX XXXXXXXX  please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$3200.00} with XXXX, XXXX and XXXX credit reporting agencies in XX/XX/XXXX. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt with is in violation of FCRA and HIPPA " NO CONTRACT WITH ALLEGED DEBT ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove LVNV Funding Account # XXXX. This company have had more than 90 days, which I have given them more than enough time and 3 dispute letters were sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Some of these companies send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX I have been reaching out to the XXXX credit bureaus XXXX, transnunion, and XXXX since XX/XX/XXXX. It is now XX/XX/XXXX I will enclose documentation of this proof within that time Transunion, XXXX, and XXXX have not met my demands or response to information on my credit report in which I want validated. These accounts that I will list below do not belong on my credit report. I have submitted the FTC reports, proof of identification all that was asked of me and my consumer rights are being played with. I am reaching out to the CFPB to provide them with proof of what is going on and to show that I am 100 % right in this situation in which Transunion, XXXX and XXXX are forcefully reporting delinquencies and not responding letting me know the results of their investigation.
Product: Credit reporting or other personal consumer reports

I was looking at my report and I notice that there were some things that were not correct. I sent a letter to Equifax on XX/XX/2023. It has been more than 35 days since the credit bureaus haven't responded. This is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of in formation contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the 30day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to file a formal complaint regarding fraudulent activities and the lack of assistance I have encountered from Crypto.com. I believe that immediate action is necessary to investigate and address the misconduct and potential violations of financial regulations. 

The fraudulent company involved in this case is known as XXXX. Unaware of their illicit intentions, I sent a total of XXXX USD from my Bank account to my Crypto.com account. Subsequently, I initiated transactions from Crypto.com to the fraudulent wallets provided by XXXXXXXX. 

Despite my efforts to seek help, Crypto.com has failed to provide the necessary assistance, leaving me in a vulnerable and helpless position. The details of the situation are as follows : 1. Fraudulent transactions : Upon transferring funds from my Bank account to my Crypto.com account, I unknowingly became involved in a fraudulent scheme orchestrated by XXXX. I followed their instructions and made subsequent transactions to the fraudulent wallets they provided. It has become clear that XXXX engaged in deceptive practices, leading to a significant financial loss on my part. 
2. Refusal to help by Crypto.com : Recognizing the involvement of Crypto.com in the transactions, I reached out to their customer support for assistance and resolution. However, to my dismay, Crypto.com has also been uncooperative and unwilling to offer any support or guidance in addressing the fraudulent activities related to my account. Their refusal to assist me in this matter has further compounded the harm I have suffered. 

Considering the circumstances, I kindly request that CFTC takes the following actions : 1. Investigation : I urge CFTC to conduct a thorough investigation into the fraudulent activities perpetrated by XXXX, including their involvement in money laundering and potential violations of anti-money laundering ( AML ) regulations. It is crucial to identify and hold accountable those responsible for orchestrating this scheme. 
2. Examination of Crypto.com 's practices : I urge CFTC to examine Crypto.com 's practices to ensure compliance with AML regulations and to determine if they have fulfilled their obligations in preventing and addressing fraudulent activities on their platform. This examination should focus on their customer support processes and the handling of suspicious transactions. 

I kindly request a written acknowledgment of this complaint within five business days of receiving it. Additionally, I expect regular updates on the progress of the investigation and any actions taken to address the situation. 

Thank you for your attention to this matter. I trust that CFTC will take this complaint seriously and conduct a thorough investigation to rectify the situation, hold the responsible parties accountable, and provide the necessary assistance to victims of fraudulent activities XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Complaint Summary : I am filing this complaint against Experian for multiple unauthorized credit inquiries that have been made on my credit report without my written consent. This is my third complaint regarding this issue with the CFPB, and despite providing documentation to Experian in previous complaints, I have not received any correspondence or resolution regarding these unauthorized inquiries. 

Details of Complaint : Unauthorized Inquiries : The following inquiries were made without my consent or authorization : XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Lack of Consent : I have never authorized any of these organizations to conduct a credit inquiry on my file. I have also not been notified by Experian regarding these inquiries prior to or after they were made. 

Failure to Respond : Despite sending documentation to Experian as requested and filing previous complaints through the CFPB, I have received no correspondence or explanation from Experian regarding these unauthorized inquiries. This lack of communication and failure to resolve the issue is completely unacceptable. 

Willful Noncompliance : Experian 's continued noncompliance with my requests for clarification and resolution demonstrates a willful disregard for my rights as a consumer and is in violation of the Fair Credit Reporting Act ( FCRA ). The unauthorized inquiries have caused potential harm to my credit report and have raised concerns about my financial security. 

Relief Sought : In light of the ongoing failure to resolve this issue and the harm caused by these unauthorized inquiries, I am seeking monetary relief. I request that the unauthorized inquiries be removed from my credit report, that Experian provide a clear explanation and documentation of any actions taken, and that I be compensated for the damage done to my credit and for the inconvenience caused by their willful noncompliance. 

Additional Information : I have attached all relevant documentation that supports my claims, including prior complaints and any correspondence ( or lack thereof ) from Experian. 

I expect prompt attention to this matter and request that the CFPB take the necessary steps to ensure Experian complies with consumer protection laws and rectifies this situation immediately.
Product: Debt collection

I dispute these account several time. They remove the debt temporarily then added back to my report. I ask for proof several time no info was provided. I even received letter that the debt and account was closed. Last time I spoke with them they refuse to knowledge that the account was deleted for same amount and the reported for same amount a month later.
Product: Debt collection

Discover calls me at least five and up to six times every single day for three months now They have changed the number they use to contact me multiple times so multiple numbers have been spam calling me and harassing me on the daily The numbers they have been literally harassing me with are ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX I am evidently a student as I have a student credit card, so they are spam calling me during times that are evidently inconvenient for me My voicemail is filled because of all of the voicemails they leave and I can not receive important phone calls because they spam call me This is literal harassment because they call me on multiple numbers, multiple times a day which is very illegal to do when collecting debt under the Fair Debt Collection Act
Product: Credit reporting or other personal consumer reports

XXXX months ago i was checking my credit report and i noticed accounts that not my i never used and never get any benefit from
Product: Credit card or prepaid card

Company is not fairly addressing my disputed transactions, is procedurally biased in favor of the merchant, and may be in violation of the letter and spirit of the Fair Credit Billing Act. Please see my detailed explanation of the situation and my concerns, attached with this complaint.
Product: Debt collection

I. XXXX Law Firm/Attorney 's ) sent me a letter dated XX/XX/XXXXstating 1 ) they had been retained by INSERT ORIGINAL LENDER, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XXXX/XXXX/XXXX. In that letter, I asked XXXX XXXX XXXX FIRM/ATTORNEY 'S to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by XXXX XXXX XXXX ATTORNEY 'S on XXXX/XXXX/XXXX. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XXXX/XXXX/XXXX by XXXX XXXX XXXX FIRM/ATTORNEY 'S regarding this matter. 

Go here and file a complaint against the law firm after you. 

ISSUE : This firm stated they were retained by Small Claim XXXX, That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by XXXX XXXX XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further, XXXX XXXX XXXX has extended this fraud into court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a personalized letter from Experian stating to refer my complaint to furnisher directly. There was no report attached with a report no XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA has reported a charge off on my credit report. It is illegal to post income on a consumer report a charge off according to the IRS it is income the company has to file a XXXX and they never sent me a copy of the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

personal information incorrect and inquiries on my report that I don't recognize
Product: Checking or savings account

For 7 years I previously had two 10 year CDs with DIscover Bank ( opened XX/XX/XXXX and XX/XX/XXXX ) and received a " Welcome Letter '' and " Account Agreement Disclosure '' via XXXX several days later for each. I was fully aware of the 9 month interest penalty associated with early withdrawal. 

I opened a 3rd CD in XX/XX/XXXX. via electronic signing. I did not receive a " Welcome Letter '' nor an " Account Agreement Disclosure '' for this 3rd CD. A reprint of the welcome letter ( attached ) was requested and received about two weeks ago. 

I have withdrawn ( early ) all money from CD1 and CD2 and willingly paid the 9 month cancellation fee. I have tried to dispute the outrageous 24 month cancellation fee, {$2200.00}, for CD3 but could not. As a result I have also withdrawn ( early ) all money from CD3 and reluctantly paid the 24 month cancellation fee. 

I was not advised of the ridiculous 24 month penalty prior to opening this 3rd CD.
Product: Mortgage

At the end of XXXX 2020, I closed on a refinance, with XXXX Loans paying off my mortgage to Bank of America. Based on discussion with a XXXX  Loans representative, the payoff was made with a wire transfer on XXXX/XXXX/20, which was the agreed upon disbursement date on my Closing Disclosure. Bank of America claims they did not receive payoff funds until XX/XX/XXXX and charged me 7 days of interest ( {$460.00} ) instead of 4 days ( {$260.00} ) as I expected, based off daily interest of {$66.00}. Bank of America also did not provide confirmation that my loan was paid off with a final statement or otherwise until I specifically contacted them to request the transaction history. 

XXXX  Loans provided me the following reference numbers for the wire transfer, which they say was made on XXXX at XXXX EST : Federal Reference Number : XXXX Bank Reference Number : XXXX Bank of America was unable to confirm or provide reference numbers for the received payoff payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act. The account below has violated my federally protected and confidentiality under 15 U.S.C.1681. 
XXXX XXXX account # XXXX 15 U.S.C.1681 Section 602 A States I have a 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 ) ( 1 ) A person shall not furnishing any information to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I disputed to an address on my report I never lived at and it was removed but recently added back by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX. 
I disputed XXXX XXXX to Equifax several times and finally gotten it removed. They retaliated against me by calling companies I had a credit cards with by telling them they was me and to close my account, and I didn't open it and they closed it. 
XXXX XXXX, XXXX  XXXX, etc... .I applied for a new Credit card XXXX  in XXXX and received a hard pull and they XXXX points on my score, then turned around in XXXX XXXX points on the same card I had for a month. I went from a XXXX to a XXXX just because I fought for my right to have fair Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several dispute letters to XXXX, Equifax, and XXXX about an incorrect account on my credit report from XXXX XXXX. XXXX could not verify and sent me proof of the debt so it was deleted. I requested the debt be verified and to be sent proof from all three agencies. Equifax and XXXX refused to correspond in regards to the debt on all occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion are reporting items on my credit report without my permission.
Product: Student loan

In XXXX, I took out a {$7000.00} private student loan from Navient to attend a school that was later deemed fraudulent. Despite having paid over {$20000.00} towards this loan, the balance has now ballooned to {$25000.00} and is in default. 

I have already been approved for a discharge of my federal loans under the Borrower Defense to Repayment ( BDTR ) program due to the fraudulent nature of the school. I believe the same logic should apply to my private loans, as they were taken out for the same fraudulent educational program. 

Over the years, I have made continued efforts to honor my obligation and resolve this debt through various repayment plans. However, Navient has denied my requests to apply the BDTR discharge to my private loans, even though the very nature of the loan has been determined to be based on fraud.

At one point, Navient offered me a settlement of {$13000.00}, but then instructed me to secure a high-interest loan to pay off this amount. I believe this is an extension of their predatory practices, as it would only serve to put me in further financial distress. 

Given that my XXXX claim was approved for my federal loans from the same fraudulent school, I assert that it should also apply to my private loans with Navient. I am seeking relief and a discharge of this debt, which has caused me significant financial hardship despite my good faith efforts to resolve it over many years.
Product: Credit card or prepaid card

XX/XX/20 ( est ) - Applied for XXXX XXXX XXXX XXXX XXXX ( Synchrony Bank ). Did not receive instant approval. Realized shortly after my credit was frozen with all 3 credit bureaus due to fraud protection. Contacted Customer Service. Representative agreed frozen credit would cause the instant denial and suggested that I contact the credit bureaus to unfreeze credit and reapply. 

XX/XX/20 ( est ) - Unfroze credit with all 3 credit bureaus per Customer Service suggestion. Reapplied and received same denial result. 

XX/XX/20 ( est ) - Contacted Customer Service again. I was advised to wait 30 days before reapplying. 

XX/XX/20 - Received 2nd denial letter only indicating " high risk source of application ''. 

XX/XX/20 - After waiting 30+ days, unfroze credit with all 3 credit bureaus, reapplied. Same denial result. 

XX/XX/20 - Received 3rd denial letter only indicating " high risk source of application ''. 

XX/XX/20 - Contacted Customer Service. Spoke with XXXX, XXXX XXXX XXXX Account Manager. I was told the application was automatically denied and there is nothing else that can be done. 

I have excellent credit and have never been denied credit approval. I am also already a current Synchrony Bank customer in good standing with a different store card. Since these credit denial decisions were clearly not based on my credit, I feel that I am a victim of discrimination.
Product: Checking or savings account

My account was closed by Chime XX/XX/2020 i have reached out to them several times about them sending my money after the account closed. The total amount in the account is {$4500.00} i was told 2 months ago that i would receive the money within a week. After that week passed i reached out to them again no response and Ive been getting the run around
Product: Checking or savings account

I noticed I wasnt paid from my direct deposit. I called Chase and they said that they had closed my account. Ive been a member since XXXX  and have never been a suspicious user or ever committed any fraudulent activity. I called the customer support number and asked what was the reason I havent received my check. They told me The account has been closed, you also cant open another account with Chase. I asked them to give me a reason the account was closed and they said there is no reason. As you can guess I was furious. I headed to a branch and they wont even let me withdraw my funds. I am not able to pay any of my bills without that money. I cant get to the money that Ive worked for. And now Im being buried in unnecessary extra debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This bureau has been putting information incorrectly and unverified including listed below : RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$1600.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$9700.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$24000.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9800.00} RE : PXXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$5200.00} RE : XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). MoneyLion, Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).
Product: Mortgage

Suntrust Mortgage Took out XXXX payments from my escrow account for my property taxes but my XXXX Property Office only received XXXX Payments. I opened the case with Suntrust to research the issue on XXXX XXXX 2017 and as of today the XXXX payment is still missing out of my Escrow. In the meantime i was contacted via mail that my escrow account is short and the shortage must be paid. I was told that i need to pay extra {$350.00} a month for next 12 months to make up the shortage. 
Therefore not only my escrow account is short of XXXX payment which didnt make it to my Tax collector but I also am forced to pay extra which seems like alot of money to come up on top of the existing mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified the credit reporting companies that the information on my report was inaccurate and asked them to correct it. However, over 1 year later and only XXXX credit reporting agency removed the accounts from my report. The accounts are collections accounts and they are not mine. I have asked the company to provide proof of ownership put they can only provide me with a statement from another company, which is not them. I do not owe the debt, pursuant to 18 USC 8. This company is violating my consumer right to privacy, 15 USC 1682. 1b.