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

On XXXX XXXX there was an unauthorized inquiry of my credit report made by XXXX XXXX which I didn't authorize.. My consumer and privacy rights have been violated. This inquiry is unauthorized by me or any representing party and is a violation.
Product: Credit reporting or other personal consumer reports

Current violations over past XXXX months 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Violation 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681 Violation 611. 

Company has been asked to investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon each request they have refused to DELETE fraudulent files as well as refused to respond to letters requesting signatures that prove investigation. Previously company was caught falsely stating accounts met FCRA standards and was forced to delete accounts. Issue has not been resolved XXXX months later
Product: Credit reporting or other personal consumer reports

I requested a copy of any account ledger showing alleged payments creditor claimed I mad. Creditor denied my request and responded I made a duplicate claim when I requested evidence. I'm requesting again for this creditor to provide all payments they allege. This creditor reported to all three credit bureaus that I made a payment when I didn't. Therefore, I'm requesting this credit provide proof of payment to you. The Fair Credit Reporting Act states that all information listed by creditors on reports are true and correct.
Product: Credit reporting or other personal consumer reports

I have credit inquiries on my credit report and I want them removed. There is no written consent for the inquiries and I did not make them. I filled out an FTC report and I want them removed. Here is the list. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  YOU HAVE 15 DAYS TO COMPLY.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX the virtual currency Bitcoin Cash was added to Coinbase & XXXX exchange. I had a balance of XXXX $ in my XXXX account at the time Bitcoin Cash was added. The price of Bitcoin Cash quickly began to rise so I put in a market order for XXXX $ at XXXX . ( I shouldve received at least XXXX Bitcoin Cash ) But due to the skyrocketing value my market order went through at a price of {$4700.00} $! ( Netting me XXXX Bitcoin Cash ) So I quickly went to sell because at the next moment Bitcoin Cash was at a price of XXXX $ on XXXX and coinbase ( I was supposed to have total XXXX $ if the trade went through successfully. When I went to sell I received the message post mode only. I even tried transferring XXXX coin from XXXX  to coinbase and received the message Bitcoin Cash sells are temporarily disabled the price remained at XXXX $ for about an hour then dropped to XXXX $ still not allowing any sells. The very next day the price chart on coinbase showed that the price of Bitcoin Cash had never even been to XXXX $ and not even to XXXX! So they allowed me to buy at an inflated price and not sell at an inflated price. As a multimillion dollar exchange this was a big red flag for me. So I have emailed and called customer service to try to get some compensation because this has not only resulted in XXXX $ immediate loss due to the malfunction but I have not been able to trade other crypto because they told me to leave my Bitcoin Cash there until a representative can fix the issue but havent given me any time frame to do so. I have screenshots of the price and the message when I tried to sell. It would be the best case scenario if they can honor my sell order of XXXX $ due to their mistake. But if they can not honor the sell then they shouldnt honor the buy either because they go hand in hand with one another and Id like a refund of my XXXX .
Product: Credit reporting or other personal consumer reports

I have tried to fix this matter with Experian more than once if they do not comply I will litigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX account # XXXX and XXXX #, On XX/XX/XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX, XXXX and account # XXXX was listed on credit report. On XX/XX/XXXX XXXX XXXX  account was listed on credit report showing an active utilization of credit 93 %. Account is closed with a XXXX balance. Reporting is inaccurate. XXXX XXXX XXXX listed an account with an active utilization of 79 %. Account is closed balance is XXXX. No utilization. Reporting is inaccurate. In accordance with the above act these companies 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. 
are listed on credit report.
Product: Debt collection

Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX, MN XXXX They have no email. This debt says it is from XXXX XXXX which was the last phone carrier I had when I lived in the USA ( Hawaii ) ... but I have not lived in USA since XX/XX/XXXX. I called XXXX to cut off my service when I moved to XXXX ( XX/XX/XXXX ) but apparently they did not close out the account as they should have. I did not find out about the error until I had a work trip back to USA in XXXX. I have not been in the USA even for a holiday since that trip in XXXX. I have plenty of documentation that can prove my move to XXXX. Hawaii has a 6 year statute of limitations on debt so that has expired, but Jefferson Capital seems to show a date of XXXX. And I still live overseas ( XXXX now, still with military ) so it makes this difficult to dispute. 

This debt has not been validated to me in any way. Given my moves, it is probably related to problems with mail ... but this is ridiculous. XXXX can't charge someone out of the country that can't even know they are charging. I called to cancel. My cellphone wasn't even on once I flew to XXXX ( different SIM system ). And Capital can't use a date from 3 years AFTER I moved outside the USA. I've disputed the debt but not answer from anyone. Jefferson Capital has never sent me any paperwork validating the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 

Fraudulent Inquiries : Champion 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

I was informed by my lender 's representative that I could eliminate my PMI on an FHA loan that several months ago had passed the five ( 5 ) year anniversary of it 's origination. She informed me that all I needed to do was pay for an appraisal and if the loan to value was at or below the seventy-eight percent ( 78 % ) threshold, the lender would remove the monthly PMI that I continue to pay. I paid for the appraisal and submitted it to the lender as she instructed me to do, but was denied the monthly PMI removal on the grounds that I needed to pay the PMI for at least five years ( which I have been doing ), the loan to value needed to be below the 78 % threshold ( which it is ), and that it was at the lender 's discretion as to whether or not they would remove the PMI ( this information was not provided ). I incurred the appraisal fee of XXXX and XXXX dollars ( {$350.00} ) and feel cheated by this lender 's misleading and negligent actions. I would like to have this matter investigated, as the appraised value of my home is XXXX dollars ( {$310000.00} ) as of XX/XX/2017. All I want is to have the monthly PMI removed from my loan and my appraisal fee fully refunded to me. I feel mislead and taken advantage of by this lender 's actions and seek assistance from the Bureau of Consumer Financial Protection to resolve this matter, since the lender has not corrected this problem. Thank you.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX, I XXXX XXXX XXXX took a title loan of XXXX with this company. they in Ca. ( XXXX ) XXXX at time of loan. Since they I have paid they them XXXX in XX/XX/XXXX. they moved to Advantage One Credit XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX I spoke with them they said they would get send the documents i needed but never did. Now this is XX/XX/XXXX, Spoke with a lady with the company in XX/XX/XXXX. every thing was good and now XX/XX/XXXX I can not get in touch with no one.company Name when i call them at XXXX is now XXXX XXXX .You pess number 2 and is disconnect you. I when on the BBB Advantage One Credit LLC has 16 complaints which all sound like what I am going through. PLEASE HELP. Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

In XX/XX/year> I received a text message with photos of my passport and social security card from someone who stole my identity. I filed a police report and went through my accounts and discovered from XX/XX/year> onward that there were many fraudulent cash app transactions taking from my XXXX account. I contacted cash app and they locked me out of my account. I've contacted XXXX numerous times and was first asked to provide a police report, which I did. They denied the claim because cash app was able to verify my information ( it was fraud not a disputed error transaction!?! ). I was asked to provide proof I put a fraud alert on my credit reports, which I had done in XXXX The dispute was filed incorrectly, including items not disputed and now tell me that there are inconsistenties between the info provided and my account statement ( only because they created said inconsistenties ). Each time they put up a hoop I provided the information and then it's denied. 

I am attaching the information provided to XXXX and the amounts in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I received a copy of my Consumer report, and I noticed some late payments on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GRAIN TECHNOLOGY, IN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : XXXX XXXX ) EXCLUSIONS - Except as provided in paragraph ( XXXX ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$XXXX} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations XXXX. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best RegardsXXXX XXXX XXXX  Enclosed : copy of ID and Utility Bill showing proof of address.
Product: Debt collection

My debt was originally with Seedfi but sold to XXXX around XX/XX/XXXXXXXX. I received {$1500.00}. I made payments starting XXXXXXXX XXXX XXXX of {$98.00} a pay period every XXXX weeks. When I request this information from XXXX of my payment history they failed to do so. The correct amount of payments are not being reported to the credit bureau. I recently received a letter stating that I owe {$210.00} but the credit report States I owe {$2700.00} some odd dollars. I have only received {$1500.00} from the original owner. XXXX has called me and threatened to sue me send an attorney to my home and have me arrested in the past, but when I disputed the charge with the credit bureau all of a sudden as of XX/XX/XXXX the debt has been charged off. I recently received the amount owed is {$210.00} from XXXX XXXX XXXX XXXX regarding this debt. The original loan was supposed to be a savings account in the end but after I paid what I borrowed I stopped the payments due to the fact that the rest of the money was supposed to go into my account as a savings I choose to not do that. But they say that I'm still obligated to pay the entire {$4000.00} plus interest. Help. This is on my credit report as a negative for money that I won't pay to go into my own savings account.
Product: Checking or savings account

I have been working on this as well as my attorney. I had filed the complaint against BOA with your company and they responded with a letter along with Bank statements from a personal checking account. The problem again occurred when I had credit card with BOA for several years and was making payments normally around {$230.00} a month. XX/XX/2012 I had sent 2 checks which they stated they never received. I had a business checking account that I noticed 10 payments of {$650.00} being withdrawn from my account for 10 months for some type of life insurance policy which I never authorized automatic withdraws. When I filed my last complaint they again sent me copies of my personal account and said there were no such withdraws. They did not investigate my previous business checking account that would have shown the transactions in question. I wanted them to refund the draft that were {$6500.00} total or put it toward the credit card that they indicated they did not receive the two checks on.
Product: Credit card

I never have had the chance to get a city bank card. So here 4 years later, I am being charged for a debt that's not mine. XXXX. How can this be repaired?
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

I waited 30 days and I havent received any notification whatsoever. It has been over 30 days. 

Experience And Transunion are holding me back from getting a house. Experience and Transunion is not doing the correct job according to the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX 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 XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX consumer credit card by XXXX Bank XXXX XXXX XXXX Bank consumer credit card Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g violations. 
XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX I mailed NCB Management Service Certified letters asking them to verify that this debt, they claim I owe belonged to me. I never once received verifiable proof from them with my signature on any type of documents nor any type of paperwork stating that I had any type of legal binding agreements with them pertaining to this debt they claim I owe. Therefore, they proceeded to violate the FCRA and damage my credit. 

Balance : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander is continuing to furnish inaccurate information to the credit bureaus that they were ordered to remove last year pursuant to the settlement agreement with the attorney general 's office. my credit report currently reflects an auto loan as charged off opened XX/XX/2017 and closed XX/XX/2017 balance {$13000.00} Santander continues to ignore their responsibility in this matter and has maintained this disputed account as accurate. they are violating both Federal and state laws. I demand accountability and action to resolve this matter as I am being harmed as a direct result of their failure to comply with the law.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ) .Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from Equifax and I noticed some inquires that I did not authorized. On XXXX XXXX XXXX XXXX is showing up as an inquiry. On XX/XX/2020 the following companies are being report on my credit report as an inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX. On XX/XX/2020 XXXX XXXX, XXXX XXXX is also listed on my credit report. I did not authorize these inquires. I have spent weeks talking to each of these companies and I was notified to contact Equifax to removed those inquires. I have sent several letters to Equifax and did not receive any respond from them. It has been well over 30 days. Equifax did not provide strict proof of me personally authorizing these inquires.
Product: Credit card

I saw charges on my Wayfair credit card/account that were not made by me. I emailed XXXX XX/XX/23, no response. 

I heard back on XX/XX/23 that there was no balance on the account and account was in good standing with NO errors she said she even opened up a ticket with the finance dept. On XX/XX/23 they try to email me and say they over refunded me and I owe them money. 

The document attached will show I emailed over 6 times between XXXX asking if account was fine & they continued to look into it, state it was fine. Their error is THEIR error. I will not be paying the over-refunded money. They can pay it & close my credit card because the account IS PAID OFF. Also, resolutions management XXXX lies & states there is no communication found in regards to this matter. LENGTHY communication attached since XX/XX/23 showing no responses back from resolutions manager, stating my account is fine and no errors, etc. 

Their XXXX  response to my complaint all 3 times is a copy and pasted response stating that I need to communicate with XXXX about the issue ( WHICH I DID FOR WEEKS ). XXXX are the ones that told me my account was fine multiple times. I specifically spoke with XXXXXXXX XXXX  XXXX from that department. 

Their copy & pasted response on XXXX also state that this is about a product that has defects. They are not even opening & reading the complaint. I have tried since XXXX to get this resolved, MY portion is paid off, I want my account closed and I am not responsible for a charge that they put on my account for no services in return & was a mistake on their end.