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

I've been using Paxos to mint my USD as XXXX ( a XXXX stable coin issued by Paoxs ). Earlier I needed money for my personal use, so on XX/XX/XXXX I transfered XXXX XXXX through XXXX  to my Paxos account to redeem it as USD. The transfer was finished in a few minutes which can be seen on the XXXX Paxos did receive the fund as this transfer showed up in my Paxos account. But Paxos marked it as pending so I can't do anything with this money. 
On XX/XX/XXXX, I submit a ticket on Paxos asking what's going on. On XX/XX/XXXX they replied and asked me to provide proof of my earlier employment salary which I sent to them immediately. 
Then there is no response. I submit new tickets and sent many email requesting for progress, but got no response at all. Now it's been over a month and my money is still pending. 
FYI, Paxos promise to handle transaction in 3-5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times regarding several hard inquiries that are on my credit report. They keep providing me with confirmation numbers but arent providing me with any additional information that would be useful in removing these inquiries that I didnt make. In addition I would like Equifax to provide me with proof of such inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We were shopping for rates on mortgage refi. We had contacted multiple lenders including Better.com. They requested a credit card information to proceed with a quote. We were informed that if we proceeded with them they would charge the card for an appraisal. We decided not to proceed with Better.com and proceeded with another lender. We then discovered a charge for {$550.00} on our statement from Better.com. We did not authorize the charge, no service was provided and we did not proceed with a refinancing with Better.com. We have disputed the amount with our credit card company. I now believe this is likely pervasive and consistent fraudulent behavior on the part of Better.com, hence we are filing this complaint. Hopefully the CFPB will investigate and fine the company if it finds this practice is widespread.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I have disputed with Equifax for them to delete the addresses listed below as they are inaccurate and erroneous : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX DELETE ALL ADDRESSES LISTED ABOVE!! 

I have disputed these inaccurate account entries with Equifax on numerous occasions and they have stated that the items were verified. To that end, I disputed with XXXX XXXX, the third party collection agency that is reporting this inaccuracy as well. XXXX alleges that a balance for 2 accounts is due in the amount of {$1100.00}. One account for {$650.00} and the other {$480.00}, yet they were unable to provide any documentation that bore my original signature for both entries, nor any documentation that reflected the financial responsibility page for both entries. Lastly, they never ceased reporting of these inaccurate entries to the credit bureaus as requested so that I may validate the alleged debts. 

To that end, I visited XXXX XXXX XXXX ( since renamed from what XXXX alleges ) and requested a complete and comprehensive document that reflected any charges that I may allegedly owe the facility. See attached documentation that reflects a mere 1 account and a balance of {$350.00}. Equifax has allowed XXXX XXXX to continue to damage my credit worthiness with these inaccurate entries. 

DELETE these entries immediately from my credit report per attached documentation that fully justifies the inaccuracy and untruthfulness in these entries being attached to my report.
Product: Debt collection

I've repeatedly ask that this Credence Resource Management provide me the necessary information pursuant to 15 usc 1692g legally it is my right that I'm provided this information also a statement of bills are not validation of debt.
Product: Debt collection

I received messages on XX/XX/XXXX from my father 's wife and another friend stating they were a state investigator XXXX XXXX trying to locate me in regards to a case file. and to call them at XXXX with a case number XXXX. They told my father that they are part of XXXX county district courts and needing to serve me court papers in regards to committing fraud. Then 30 mins later my sister 's ex husband that lives in a different state trying to locate my sister to contact me. My sister called to find out who it was and was informed that I had 3 charges pending and said they were a location services company. I called to find out what it was and at first they said they were a law firm and stated that they will be serving me pages at my home to go to court for criminal charges of check fraud. I asked them if they were collections and they said no they are a law firm through Connecticut, but works for locating me for XXXX county district court. Charges are pending because I owe money to Check and go Payday loans from XXXX or XXXX. Said they have a right to charge me because the charge off date was XX/XX/XXXX. Threating to press charges if I do not pay the balance XXXX which is the balance of {$640.00} plus late fees. They said it was the balance of and only if I pay the full amount with late fees could they stop the court case. I informed them I can pay if i can get a documentation of what I owe and where I can send the money. The rep threatened again saying if I cant pay it over the phone then have a good day in court where I will be charged with check fraud and XXXX 's of dollars in fees. I have a screen shot of the message that they sent to my old phone number and a voicemail link of the message they left for my sister to locate me.
Product: Checking or savings account

This bank have asked them for statement on XXXX as need for use but yet lied to my statement usually for month done by now n yet signed into account not n they cant give clear answer either over phone
Product: Credit reporting or other personal consumer reports

I am writing to dispute the balance reported on my account # XXXX from westlake financial. The reported balance of {$920.00} is incorrect. The correct balance should be {$0.00}. 
Ive attached a payment receipt and payoff confirmation letter, that verify the correct balance. I request that you correct this information and update my account accordingly. 

In addition, under the XXXX XXXX, states lenders can not report late payments to credit reporting agencies, and also are required to report your accounts as current during the XXXX pandemic, which didnt end until XX/XX/year>.
Product: Debt collection

I was served court documents for XXXX debt from XXXX XXXX on XX/XX/XXXX of this year I believe. I contacted the company to see what I needed to do to settle the debt and requested an itemized bill, the person I spoke to told me they only give those within 30 days of them acquiring the debt and would not be supplying me with XXXX. This call was on XX/XX/XXXX, and was on a recorded line. The amount of debt on my court summons was around {$450.00} when I called to settle they told me my payment was going to be {$690.00} to settle. Not only did I pay way more than my court documents stated but I don't even know what debt I paid on because I was never given an itemized bill. I paid the debt to settle so I didn't have to go to court. So for all I know they could have charged me for anything. I paid almost {$700.00} on supposed debt that I own and was never given the opportunity to review what I was being charged for. This is un-ethical and I want this to be dealt with as I was able to pay the debt by taking out a personal loan, others XXXX not have the means to do so and this is wrong. I work hard for my money and if I owe a debt thats fine but I need to know what I'm being charged for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Wells Fargo auto finance XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting that I have one account that is late ( this is Comenity, they are horrifying but I've already filed that complaint ). Experian is noting that I have five ( 5 ) accounts not being paid on time, but only 1 late payment.

This does not make sense. AND, all of my accounts are being paid on time, and as agreed, unless Experian is reporting EARLY payment as " bad '' financial management.

I want the below investigated, as this is negatively affecting my Credit Report : Quote ( and also see attached file ) : Few Accounts Paid On Time You have an insufficient number of accounts that are currently paid as agreed.

Number of your accounts currently being paid as agreed 5 accounts The FICO Score considers the number of accounts showing on time payments. Generally, the higher the number reported the lower the risk. Compared to other people with a similar age of credit history, the number of accounts you have that are currently paid as agreed is low.

FICO High Achievers have an average of 6 accounts currently being paid as agreed.

End Quote
Product: Vehicle loan or lease

I highly suggest you go direct to your credit union or bank for auto loans and or auto refinance. I had no idea Credit Karma was not legit. I just removed my data and deactivated/canceled my account. I had an offer last week for 4.8 % for 48 months to refi my husbands newer truck loan. ( He did this at the dealer last summer. Big mistake. You go in with your own financing ). I accepted the offer and the broker ( a company called XXXX XXXX ) can not get me anywhere near the offered rate. They are only offering a 1 % reduction in the rate and they keep trying to sell me on extending the term to 72 or 84 months when I emphatically said I will only do 48 months. My credit score is XXXX and I have made six figures in the same job for 10 years. I just wrote letters to both XXXX XXXX and Credit Karma about their scammy bait and switch practices and while looking for the email addresss found this article about the FTC fining Credit Karma $ XXXX fir false advertising. .They are still practicing this bait and switch game and will likely be fined again or be put out of business. I guess $ XXXX was not enough to deter them. Read and share!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Equifax Information Services, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

PRIVATE AND CONFIDENTIAL Subject : Second Request for Immediate Removal of Incorrect Delinquent Child Support from Credit Report. 

Dear Sir/Madam, I am writing to follow up on my previous request dated XX/XX/XXXX, XXXX, regarding the removal of the delinquent child support account ( OFFICE OF THE ATTY GEN ACC # XXXX ) from my credit report. I am pleased to inform you that both XXXX and XXXX have already complied and removed this account from their records. However, I have not yet received confirmation of the same action from your agency. 
As stated in my prior communications, recent federal court rulings have confirmed that delinquent child support obligations do not qualify as a " credit transaction '' under the Fair Credit Reporting Act ( FCRA ) amendments ( FACT Act ). Therefore, the reporting of this account violates the permissible purpose standards under the FCRA.

Moreover, this is not a credit account, and the Office of the Attorney General is not mandated to report or update this account with credit bureaus monthly, as is required for traditional credit accounts. This further underscores why this account should not be included in my credit report.

In addition to these points, the information being reported is completely inaccurate. This account has never had a late payment, and I have attached my payment record as evidence. The delinquency being reported is false, and this violation of the FCRA must be corrected immediately. 
Given that both XXXX and Equifax have already removed this account, I insist that you take similar action and promptly remove OFFICE OF THE ATTY GEN ACC # XXXX from my credit file. Please provide written confirmation of the removal. 
Should this matter not be resolved in a timely manner, I will be forced to consider legal or regulatory action. I trust you will handle this issue with the urgency and attention it deserves to ensure compliance with federal law. 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My social security is paid via Direct Express debit card. XX/XX/2023 I paid to bills one for XXXX, and XXXX. On the XXXX  I noticed two transaction that I didn't make I called to dispute them my debit card was closed and a new one came in the mail. My bill for XXXX was not paid because the card was closed down but the other bill went through. The two transaction for XXXX hasn't been refunded they keep jerking me around and are very rude and hang up on me. I am the victim and direct express continues to victimize me. I live off of social security money and this is a hardship. I have a claim number, XXXX, it for one disputed transaction I have tried to have them add the two other disputed added to that claim they just don't want to refund my money. This is stealing. I am so tired of them hanging up on me. Is this how government workers do business? XXXX  they are out of control. This is my money not theirs. I will file a complaint with social security as well because direct express is good for nothing, I will stop my money going to these government thieves. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a problem with Equifax in the past where my credit report has split into two because the file is too large. I am very concerned that this has happened again because there are large chunks of information missing from my credit report. If the file is too large they can remove the duplicate accounts I have told them numerous times are duplicates. Also, I see that there is a block on my credit report so I can't receive promotional offers. I never authorized this and want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer and natural person with a right to privacy, confidentiality, and fairness. In accordance with the Fair Credit Reporting Act, the consumer reporting agency has violated my rights with accounts listed on my consumer report : XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX - U.S. BANKRUPTCY COURT # XXXX XXXX U.S. BANKRUPTCY COURT # XXXX - 15 USC 1681 ( a ) ( 4 ) - As the consumer, I have a right to privacy. 

15 USC 1681a ( 2 ) ( A ) ( i ) - A consumer report does not include transactions or experiences between the consumer and person making the report.

15 USC 1681a ( 2 ) ( B ) - A consumer report does not include any authorization or approval of specific extension of credit, directly or indirectly by the issuer of a credit card because it is used to obtain an extension of credit.

15 USC 1681b ( a ) ( 2 ) - A consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681e ( a ) - A consumer reporting agency, shall maintain reasonable procedures and limit furnishing of my consumer report under 15 USC 1681b.

15 USC 1681e ( b ) - A consumer reporting agency shall follow reasonable procedures to assure the maximum accuracy of information on my consumer report.

15 USC 1681e ( e ) ( 1 ) ( B ) - My consumer report can not be procured for the purposes of reselling information without my written instructions.

15 USC 1681g ( a ) ( 1 ) ( A ) - A consumer reporting agency must disclose all information on my file, clearly and accurately to me.
Product: Vehicle loan or lease

On Monday XX/XX/XXXX my XXXX XXXX XXXX was totaled. Our insurance company paid the claim on XX/XX/XXXX and receipt was confirmed by XXXX XXXX XXXX XXXX. The title still hasn't arrived. XXXX was contacted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX advised they mailed the title on XX/XX/XXXX and again on XX/XX/XXXX. After the first time it was mailed a duplicate title had to be requested. We asked that the next title that was to be mailed be mailed XXXX or XXXX with a tracking number. They created a label to ship but then failed to use and again mailed it XXXX Mail with no tracking number. Neither myself or the Insurance Company has received the title. We are asking that you contact XXXX on our behalf to resolve this situation.
Product: Money transfer, virtual currency, or money service

Cashapp ( $ XXXX ) - I had an account with cashapp for years and they shut it down randomly. I asked and they said some about term being violated but when I asked what term did I violate they cant provide what term that was
Product: Credit reporting, credit repair services, or other personal consumer reports

i applied for a credit card at check out for XXXX XXXX card. My request was denied. I received a letter from XXXX XXXX stating that my request was denied because " credit bureau reports applicant is deceased. '' The credit bureau is Experian. I have called, sent a registered letter with copy of notice from XXXX and they keep telling me there is no record of the application to XXXX. I sent for a copy of my credit report and it shows the inquiry by XXXX but states " reason : Unspecified. '' I tried to get this corrected online to no avail. I am concerned that this will be an issue later. I am XXXX XXXX XXXX and want this corrected ASAP. The inquiry by XXXX is " scheduled to continue on record until XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account XXXX XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX 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.
Product: Checking or savings account

I called the bank for assistance when my check for {$150000.00}? was not deposited to my checking account. The check should have been deposited on XX/XX/2022. I have called the bank several occasions and waited on hold for an hour or more only to be told they have not received my payroll check from the XXXX XXXX XXXX XXXX. My XXXX  and I verified that my routing number and checking account number provided are correct. I visited the back twice in person. The first time on XXXX XXXX I was told Truist/ SunTrust had not received my payroll check. This past Saturday XXXX I visited the XXXX Truist located at XXXX H XXXX XXXX. The Bank Manager called a Truist department that stated my check received on XXXX XXXX was held because it didn't match an account number. If this is true why did I receive my payroll check on XXXX XXXX for {$1500.00} from the same employer. Today is XXXX XXXX and Truist has yet to deposit the check into my account nor have they forwarded the funds back to the XXXX Department XXXX XXXX. I suspect I am not alone in this debacle. Hence the hour long holds on the customer service line since the merger in XXXX XXXX also provided a trace number and still was being told Truist didn't have my check.
Product: Checking or savings account

this issue started in XX/XX/XXXX and this person knows my previous address as well as my current address. 

I received a letter from Ally Bank in California. Someone perpetrating to be me attempted to open a checking account in my name. That whoever called did not know that I already had a checking account in the state that I actually live. I'm pretty sure that the person at this phone number is the party responsible. Somehow this guy got my personal information which includes social security number driver 's license my date of birth and my current address. I have also received information from a bank called XXXX XXXX XXXX XXXX  in California stating that they required my information because somebody put my name on an account. When I attempted to get a person 's name and the phone number they were calling me from they hung up on me. The number originally came up as restricted because here in Illinois I had reason to believe that this number was law enforcement in my area, however it was not it was the Bank. Then receiving this letter from Ally Bank on Saturday told me someone is attempting to open accounts in my name in California. I for whatever reason can not now receive income tax money owed to me by the federal government nor have I been able to receive any stimulus money I am entitled to due to Identity theft. As I am a small business owner in the state of Illinois this really hurts my business and my reputation. I may be looking to go out of business because I can not get money or funds I am entitled to due to a scammer in California. 
Previous address was XXXX XXXX XXXX XXXX XXXX Illinois XXXX current address is XXXX XXXX XXXX XXXX XXXX Illinois XXXX my phone number is XXXX and this number should be reflected too XXXX XXXX XXXX XXXX. The call I originally received came from this phone number XXXX at first the gentleman claimed that his name was XXXX XXXX a home builder from Texas. Initially I hung up on this caller but he kept calling me back in days that followed stating that his name was XXXX XXXX, and that he was a bank vice president that was checking on the validity of a trust fund account issued in my name in California and then a separate account near XXXX Iowa ; because my mother was born near here and she was the person who opened this account in XXXX ; and I asked this guy certain information that he was able to answer with 100 % accuracy, and unless you live in this area there's no way you would know how to answer it. His phone number XXXX XXXX is XXXX. He stated that he was a previous XXXX XXXX in the military and his current position was his bank vice president yet when I asked him what the name of the bank was he skipped over my question and kept talking. He also was able to provide to me certain information of mine including my past address where I had just moved from a few days before that and he had my social security number and driver 's license number which caused me immediate concern as nobody should have either one of those bits of information.