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

Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ) via my XXXX XXXX  wallet. I also made deposits for a total amount of XXXX USD from XXXX to the fraudulent investment firm ( s ) via my XXXX XXXX wallet, for a total of XXXX USD. These funds were transferred from the wallet to an address unknown to me without my authorization. 

On XX/XX/XXXX, I emailed a Demand Letter ( dated XX/XX/2022 ) to Crypto.com per ADR Protocol. On XX/XX/XXXX, a Complaints Handling Officer from Crypto.com responded that " You acknowledge that you are responsible for ensuring the accuracy of any Instructions submitted to Crypto.com and that any errors may result in the irreversible loss of your Stored Digital Asset. Going forward we strongly urge you to file a police report and have the funds tracked down and seized by the Police. '' On XX/XX/XXXX, I emailed a Rebuttal Letter ( dated XX/XX/2022 ), to Crypto.com. The same Complaints Handling Officer responded that " as per the quote from our Terms and Conditions we are not in a position to offer reimbursement of your lost assets. ''
Product: Debt collection

Wells Fargo is stating I have {$3.00} outstanding however I called multiple times and all accounts are paid in full. This has affected my score by 40 points
Product: Credit reporting

I have disputed an incorrect balance showing on my credit report of {$350.00} for a collection with XXXX XXXX XXXX XXXX. The correct amount should have been {$56.00}. I initiated another dispute on XX/XX/XXXX. On XX/XX/XXXX, I was contacted by the creditor with a name and phone number to call to settle the balance of {$56.00} for a hotel stay that the hotel failed to charge to my credit card upon checkout in XX/XX/XXXX. I paid the balance on XX/XX/XXXX and received an email confirmation from the creditor ( XXXX - XXXX XXXX XXXX ). The creditor provided the name of a contact with the collection agency for me to call. I contacted the collection agency to see when the collection account would be deleted since the disputed amount had been paid to the creditor. She stated that the request had already been sent, and emailed me a letter stating the request was sent to remove the collection account from all three credit bureaus. On XX/XX/XXXX, I received the dispute results from Equifax stating the creditor verified the balance was correct, and is still showing the balance at {$350.00} as a collection on my credit report with Equifax only. XXXX is still showing a balance of {$57.00}, and XXXX deleted the collection account. This information should have been removed by the credit bureaus upon notification from the collection agency. I contacted Equifax on XX/XX/XXXX, and was told that they had not received a request to delete the collection account. I was given a fax number to fax a copy of the letter from the collection agency and a copy of the email confirmation showing that the balance had been paid and to reference the report number XXXX for the dispute, along with a cover letter. After submitting the documents, I was very surprised to receive the results on XX/XX/XXXX stating the collection balance had been verified as correct, and was given an additional dispute number of XXXX. I am having a difficult time getting this incorrect information removed from the Equifax credit report. I uploaded a copy of the letter from XXXX XXXX XXXX to XXXX this date, XX/XX/XXXX, as they are still showing the collection as active on the XXXX credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Using SoFi I ACH transferred {$10000.00} to XXXX to invest in crypto after which I had a 54 day hold on my investment, my banking info was then removed from XXXX and unable to add it back, after this point XXXX asked me to upload my ID and after I did they placed me in an indefinite length restriction with no updates where I cant even close my account and get my money back. I reported this to SoFi as fraud and refundable under the XXXX 60 day rule. SoFi made a low effort attempt to contact XXXX and did not get me my money back. Additionally they have no customer service competent or willing to work on my behalf during this blatant fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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 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 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 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: Mortgage

Hello- I am a XXXX XXXX XXXX Veteran, who is rated 100 % service connected XXXX by the Veterans Benefit Administration or the " VA. '' Because of this, in the state of Illinois , I am eligible for the Veterans with Disabilities Property Tax Exemption . This means I pay {$0.00} in property tax for the rest of my life. Per the law, we waited for one year after purchasing our home to file for this, which we were approved and have begin receiving tax statements indicating {$0.00} balances for XXXX & XXXX ( attached ). We worked very diligently with our old mortgage company, XXXX XXXX XXXX  ( XXXX ) in removing the taxes from our mortgage payment since XX/XX/XXXX, which was over ONE YEAR since we closed on the mortgage. We filed a complaint to CPFB about XXXX and received a response ( attached ). However, on or around the date of receiving the response from XXXX, and CPFB our mortgage was transferred to Flagstar Bank. Needless to say, we have had to start all over again in working to get the taxes removed. We have spoken to multiple representatives at Flag Star and have our property assessed multiple times. Unfortunately, our mortgage payment has increased by exactly {$200.00} since the assessments. Our taxes have not been removed despite providing Flagstar with necessary records and documents, including an official letter ( attached ) from the XXXX XXXX Assessors office specifically stating we pay {$0.00} in taxes under the Homestead Exemption for Veterans with Disabilities law. We were told by Flagstars representatives that the letter must specifically show the exact dollar amount in compliance with Flagstar policy in order for them to process the exemption and make changes, despite sending them the most current tax bills containing the amounts. We then went back to the county and were told that they do not put exact dollar amounts in exemption letters due to the fluctuating nature of the assessed property values. Which puts us to where we are at now with higher mortgage payment and still paying property taxes despite the Illinois Homestead Exemption for Veterans with Disabilities law. We have done all we can by submitting current tax bills and a letter from the county assessors office. Please find all necessary docs attached to this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, transunion and XXXX have inquiries on my credit report. that are not mine. 
INQUIRES : 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/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX not mine
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt or credit management

RE : Follow up on XXXX XXXX dispute on credit report with XXXX sent on XX/XX/XXXX. 
Account : XXXX I sent an email on XX/XX/XXXX requesting a detailed breakdown of the monies claiming to be owed by your company. However, I still have not received any correspondence, invoice breakdown or explanation of monies owed.
Product: Debt collection

This company did NOT send me all the validating information that I requested, instead they decided to just send a bunch of statements to " prove '' that the debt is mine which is a clear violation of the fair debt collection reporting act. Additionally, I requested a specified cease of communication for the account # XXXX to which they also did not comply with. This further violates the FDCPA to which I am willing to take legal action. In my validation request I demanded that they show me proof that I had indorsed a contract/instrument with Transworld Systems Inc to which they did not provide. I also asked that they send me the entire purchase agreement, which they did not provide. I ask them to send more validating data pursuant to 12 CFR 1006.34 which again they did NOT provide. Furthermore, Transworld Systems Inc reported this information to consumer reporting agencies ( to whom they call business partners ) without validating the alleged debt first which is a complete violation of the fair credit reporting act. To be more specific 15 U.S. Code 1681s-2. It is clear that Transworld Systems Inc does not care about the federal laws set forth by congress and is willing to break the laws in order to make a financial gain. Instead of honoring my cease communication notice, they decided to just mark it as " disputed ''. This violates 15 U.S. Code 1692c ( c ) which states " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt ''. The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium. These are unfair practices that they are using to clearly harass, oppress and abuse me. I will be submitting a complaint with my state attorney general in addition to this cfpb complaint. If this matter persists, I will seek litigation for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account ending in XXXX was paid in full over a year ago. 

The available credit should show {$7000.00} and amount of debt {$0.00}. 

I have disputed this several times with XXXX, XXXX and TransUnion and these inept companies fail to correct the issue even though I have disputed with them multiple times. 

This is negatively affecting my score. They have surpassed the 45 day investigation period under FCRA since they have continue to report incorrectly. 

Below is what they show : Account info Account name XXXX XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX2017 Status Open/Never late. 
Status updated XX/XX/XXXX2020 Balance {$2300.00} Balance updated XX/XX/XXXX Recent payment $ 180 Monthly payment {$0.00} Credit limit {$7000.00} Highest balance {$7000.00} Terms NA
Product: Credit card or prepaid card

On XX/XX/2019, I tried to transfer my available Membership Rewards from American Express to my XXXX XXXX account, but the transfer failed since American Express stated that they are reviewing my purchases to see if they meet qualifying criteria. But for all the purchases, I have already paid for all of my balances on all of my credit cards and charge cards and have not missed a single payment before. This has been the third time this year such an issue happened to me. The last time, also happened in this year, took more than three months to resolve the same problem, which resulted in major changes of my travel plan and my schedule. Contacting American Express customer service was not helpful at all since they obviously don't have much access to what is going on for such matter. I have been a loyal American Express customer for years, and I do not understand why such stupid problem has happened to me multiple times in the same year. I have recently received multiple mailer offers from other competitive banks with great card benefits and sign up bonuses. If this can not be resolved in a week, I will seriously reconsider using American Express products in my future purchases and my continuation of paying for such high annual fees for my cards.
Product: Credit reporting or other personal consumer reports

I tried too many times to request to delete out of my credit bureau this closed acct with XXXX  balance from XXXX  XXXX  and Credit collection Services i didn't know that police was under my name until today XX/XX/XXXX because my ex husband XXXX XXXX he set up everything for me under my name and him as a driver and that acct was sent to the collection agency on XXXX and i paid in full the amount {$270.00} and now the balance is cero but still is appear on my credit bureau affecting me to buy a house or increase my credit score, I'm really worried about because is not fear that and now i don't know how those company 's don't want to help me to remove that.

I'm hopping to get a great result about this and finally get out of my credit bureau this acct in XXXX  balance. 


Sincerely,
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent account on my report. Please remove this account from my report, its hurting my ability to obtain credit.
Product: Debt collection

An account on my credit reports with Midland credit for the amount of {$670.00} is listed on my credit report which is another fraudulent account. Ive never used a Midland credit or XXXX  XXXX or have any acknowledgment regarding this account as being mine. My information was compromised. This account does not belong to me. It was open, fraudulently. Just like my other complaints Ive contacted the credit Bureau and the company disputed the information with little to no response with the information still appearing on my credit report.
Product: Debt collection

This company has furnished false information to the credit reporting agencies ( CRAs ). They CRAs are showing that I opened an account with this company on XXXX XXXX, 2012. I have never opened an account with this company.
Product: Checking or savings account

On XX/XX/2019, I requested information in person at a bank branch of PNC Bank in XXXX XXXX, IL. I have a Money Market account with approx. {$6100.00} balance. This was my mother 's account until she died in XX/XX/XXXX. It is a joint account, and I am now trying to manage the funds after her death as she would have wished. On XX/XX/XXXX I turned in her Death Certificate to this branch, and I returned on the XX/XX/XXXXfor further information. 

All I was asking for was the account information ( minimum balance, fee structure, etc. ) and current interest rates. They refused to provide the interest rates in writing per my request. The manager stated that he would tell me the rates verbally, but would not provide them in writing. They also did not provide the basic account information until I demanded it three times. They wanted to go over it verbally with me or show me on a screen. 

My understanding is that account interest rates are a matter of consumer protection -- honesty, clarity, and transparency being the goal. The manager smiled and acted as if what I was requesting was rather ridiculous- current interest rates in writing. He said that they change frequently. 

I have the document provided me in which all of the interest rate amounts are filled in with X 's instead of numbers.
Product: Vehicle loan or lease

On Friday, XX/XX/2018 I reached out to XXXX XXXX to request a quote on the 2018 XXXX XXXX. I was going to be leasing it with my mother. After reviewing my income, they decided that they couldn't lease me a car. That's fine, we parted ways and I moved on with my day. Later, I got a notification from all three credit bureaus that a hard inquiry has been placed on my accounts by XXXX XXXX via XXXX. I never authorized the use of my social. I tried contacting them but to no avail - I've left countless messages and e-mails for the finance manager who has never gotten back to me. On XX/XX/2018 I got ANOTHER email stating that ANOTHER inquiry had been placed on my social with all three credit bureaus by XXXX XXXX via XXXX. I did not authorize this, nor did I speak to anyone. Once I was rejected on XXXX it was case closed. Additionally, my mother, who they did not speak to, and did not need to verify her info until we were to be signing documents ( which didn't happen ) had her social run TWICE as well on all three credit bureaus. THEY HAD ABSOLUTELY NO RIGHT to run my social the first time, let alone A SECOND TIME after they refused to lease me a car and especially had no business running my mothers information once they refused to lease me a car. I've tried reaching out to them countless times and they just keep telling me no one is available to speak to me, or they take a message and never get back to me. These need to be removed IMMEDIATELY from my accounts as well as my mothers accounts. We do not have any outstanding debts with them, we did not lease a car from them and we did not sign any paperwork authorizing the use of ourinformation - not once or twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called into the XXXX office on XX/XX/XXXX where I signed the contract for the financing and spoke to the finance officer that had me sign the contract. He was clear that there is no other interest amount accrued because I had made both XXXX and XXXX payments on time ( XX/XX/XXXX, XX/XX/XXXX ) and that my XXXX on-time payments in no way should have caused my account to have a higher balance than the {$11000.00} starting amount. There are no late, remaining, other or delinquencies showing. 
It was also previously mentioned ( XXXX ) that the increased and exceeding balance reported to the credit bureaus of {$11000.00} is because there was accruing interest added to the balance of {$11000.00} and in my research that confirmed what I already knew, the balance amounts reported to the credit bureaus DO NOT include interest. The same is true with my mortgage account and previous car account. In fact an XXXX Account should not show a balance that includes interest. I also checked with the CFPB and read the FCRA. The interest amount is only included in the payments. The balance is always a principle amount when reported to the credit bureaus. The same applies on my Lendmark Statements. It only reports the principle for balance amount. So that magnifies the mystery as to where did that {$11000.00} amount come from For this you have to look at Exhibit XXXX ( attached ) which a snap of a downloaded section of my XXXX Credit report. Looking at Exhibit XXXX the problem becomes obvious as you notice that there are XXXX payments listed under XXXX and XXXX ( XXXX months before contract due date ) that are {$430.00} for each of those months under Scheduled Amount The question became, why are there XXXX scheduled payments entered for XXXX months that no payment is due and right next to those XXXX payment entries for the first and starting payment month ( according to the contract ) is a {$350.00} amount that is also showing an {$430.00} amount paid right above that scheduled {$350.00} amount. Then the next question is, why is a scheduled payment amount entered and not showing a paid amount but better than that why are there payment entries entered for XXXX months that are not in the contracts start or first payment agreement. By agreement, it means that I signed a loan or contract document that indicted when the XXXX payment should be made on XX/XX/XXXX, but then the same company that should have the same signed contract has recorded XXXX {$430.00} payments in the scheduled section of the credit reporting, that only proves that either the signed contract is being ignored or something else is going on. XXXX thing for sure and has been confirmed, that {$430.00} amount was only supposed to be recorded for the month of XXXX and was my first payment amount and the {$350.00} amount entered as scheduled for XXXX should also be {$430.00} ( remove {$350.00} for XXXX scheduled payment entry it should be {$430.00} ) - that is according to the contract. The terms of my signed contract and whats on my monthly statements has been reported very different to the credit bureaus.