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

XXXX is a cryptocurrency trading platform. Users can deposit and withdraw both cryptocurrency and USD using a payment system ( Plaid ), but this process is highly error prone. Earlier this year, XXXX 's payment system reported a deposit error which prompted me to make a second attempt at a deposit, which also returned the same error. Rather than make a third attempt, I closed the app and restarted, only to learn that both deposits had gone through. I immediately contacted support and was rebuffed ... for days. My solution was to contact my bank and issue a stop payment on these. Eventually, XXXX acknowledged the errors and apologized. 

On XXXX XXXX, I made a similar deposit of the same amount as before. I was unaware that my bank retained their stop payment order for this numeric amount, which caused the Plaid transfer to fail. XXXX alerted me and I attempted to deposit new funds, but learned that XXXX disabled the deposit option entirely. I contacted support and advised them of all this, but was again rebuffed with boilerplate. 

XXXX had stated they would liquidate any cryptocurrency balance at XXXX on XXXX XX/XX/year> to cover the balance due. Again, they did this while disabling the deposit function. I watched my account at the time specified and nothing happened. Over the next few hours, the cryptocurrency market experienced a significant downturn and XXXX deliberately chose to liquidate once the downturn stabilized at XXXX on XXXX XXXX, XXXX hours after they advised this would happen. The result? My balance was USD XXXX less than it was at XXXX on XXXX XXXX. They still have not reactivated the deposit system for me to mitigate my damage and recover the investments. 

The complaint is that XXXX is manipulating its online marketplace and liquidation procedures so that it becomes a market participant and not a marketplace. They further artificially inflate the balances by triple dipping on user fees. This is the sort of behavior that resulted in criminal charges and closure at other firms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because EQUIFAX, XXXX and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and XXXX XXXX XXXX at least 10 times over last 3 months. There are 2 collection accounts on my report that are clearly not mine. The Collection company does not even have my social security number or name in their system. They said it was a file merge that 's how the account showed up on my file. They have contacted Equifax over and over to verify this is not my account and Equifax refuses to remove this account in a timely manner.
Product: Payday loan, title loan, personal loan, or advance loan

I contacted XXXX XXXX XXXX on XX/XX/2024 in an attempt to get help with my tax file. XXXX XXXX XXXX charged me roughly {$4200.00} and referred me to agents of XXXX XXXXXXXX XXXX XXXXEquity Sales Finance Inc for setup of an installment loan for this amount. On XX/XX/2024 I paid {$270.00} and subsequently received a statement of denial from Equity Finance Sales Inc on XX/XX/2024. I was charged {$270.00} again XX/XX/2024. I should not have paid and subsequently be charged for payments on a denied installment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX 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: Bank account or service

On XXXX XXXX I applied for a high yield savings account with Synchrony Bank. After I completed the application, I received a message stating my application is being processed and someone will be in touch with me within 3 business days. They have my phone number and email address, but they have chosen to treat me like a fraudster. Let me ask you this : who is lending to whom here? What is your worry here? What risk does a wealthy individual like me pose to you by lending you money?
Product: Credit reporting or other personal consumer reports

Letters were sent to all three bureaus for my personal information to be updated and the previous information removed but nothing has taken place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : account # XXXX XXXX XXXX XXXX : account # XXXX XXXX XXXX XXXX : account # XXXX These collection agencies have 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

632 of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX  XXXX XXXX # XXXX, # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXXXXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationXXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX  XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Debt collection

I filed a complaint on XX/XX/2018 and it was closed on XX/XX/2018. I don't understand why my case is closed when the matter isn't resolved. Creditors Bureau Associates of Georgia claimed they have verify that I owed the amount, but refused to send me proof. 

I contacted XXXX County XXXX on XX/XX/2018 ( original creditor ) and they're not sure why Creditors Bureau Associates of Georgia is reporting that incorrect negative information to my credit file since they have already received payments for that bill. Also Creditors Bureau Associates of Georgia claimed they contacted me several times, that's another false information. I've called and write them, however I was unsuccessful. If and when they do contact me, I'd like them to leave a message so I can know that they called. Creditors Bureau Associates of Georgia is trying to collect funds for a bill that has already been paid. 

Attached are the following documents : Dispute Letter to Creditors Bureau Associates of Georgia, Response from Creditors Bureau Associates of Georgia, XXXX County XXXX bill, Check Payment to XXXX County XXXX, Notice of Payment to Creditors Bureau Associates of Georgia.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and XXXXompleteness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$0.00} /Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date XXXX : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} Collection BSI MTG XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300000.00} Late/Open Inquiries in Dispute : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX M XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I received a promotional offer from Citibank to open a new checking and savings accounts requiring completion of qualifying activities to earn a cash bonus and would receive the {$600.00} bonus after the conditions have all been met as outlined below : 1. Open a new Citi Checking and Citi Savings account. ( I opened both accounts on XX/XX/18 ). 

2. Within 30 days of account opening, deposit a minimum of {$50000.00} in either new account. ( I deposited {$1000.00} in new checking and {$49000.00} in new savings account on XX/XX/18, same day I opened the accounts ) 3. Maintain a minimum of {$50000.00} for 60 consecutive calendar days following the date of deposit. ( Yes, I never made any withdrawals at anytime ). 

4. The Cash Bonus of {$600.00} will be credited to the new Eligible Checking Account within ninety ( 90 ) calendar days from the date you complete all other requirements. 

5. I've spoken with two supervisors on two separate occasions and they both confirmed that I've met the qualifying activities to earn the {$600.00} bonus. They confirmed the 60 days plus 90 days would have occurred on XX/XX/2018 and they both agreed I should get the {$600.00} cash bonus by this date. 

I called Citi on XX/XX/18 @ XXXX XXXX they said it is being investigated. 
I called Citi on XX/XX/18 @ XXXX XXXX  said it investigation is being escalated. 
I called Citi on XX/XX/18 @ XXXX XXXX they said should be resolved soon. 
I called Citi on XX/XX/18 @ XXXX XXXX spoke with XXXX. She said the money will be deposited by 1-2 business days and that I have met all the qualifying criteria and I should have received the money back on XX/XX/18. 
I called XX/XX/18and confirmed the {$600.00} has not been deposited in either checking or savings accounts. 

In all discussions with the bank, they all agree that I have met all conditions of the offer but no one is able to credit my account. 

XX/XX/18 Went to the XXXX, CA branch and spoke with XXXX XXXX the rep that I opened the account with originally back on XX/XX/18 and she remembered me and checked her computer and called Citibank promotion dept and again, she confirmed that I did qualify for {$600.00} however " the process needs to go through another step '' and she will contact me when she gets additional information. Again, this is another attempt to stall or not honor their promotion. 

This promotion appears to be some time of scam to defraud consumer of their money so Citi can take advantage of the high flying stock market and use consumer 's money for free.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my credit reports I noticed serval accounts that was result of identity theft on my report, including several inquiries that I did not authorize. I've tried several times to address these issues with the credit bureaus, but they have repeatedly ignored me after I've asked the bureaus to provide me with verification and validation of these accounts which they have failed to do. Not only did Equifax subject me to identity theft. The credit bureaus have ruined my reputation by allowing this to continue to report on my consumer report, they have made it impossible for me to secure a mortgage. 

Please see attached documents.
Product: Credit reporting or other personal consumer reports

Experian charges me {$24.00} a month for a service I did not sign up for. I have called numerous times to cancel and they do not do it. It is impossible to speak to anyone on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has been consistently fluctuating by large numbers ( up to 32 points at a time ) since XXXX of XXXX. My XXXX report states that my Federal Student Loan balance ( Serviced by Nelnet Lns ) has increased by upwards of {$2500.00} and the following month decreased by the same amount which shouldn't happen due to the fact that my student loan payment comes out of my payroll and is matched by my employer. XXXX has decreased my score by 16 - 32 points everytime Nelnet has reported my balance increasing ( which is inaccurate because my balance hasn't increased and i've never had a late payment ) but when Nelnet reports my balance decreasing, the points are not given back. My credit score SHOULD NOT BE FLUCTUATING due to my student loans. I have contacted both XXXX  and Nelnet. 

XXXX - When i contacted the company, i received THE WORST CUSTOMER SERVICE i have EVER experienced. That is saying a lot, considering i have been employed in customer service and loan servicing industry my entire adult life. Not only was the agent rude and combative, but he then explained that there was absolutely nothing he could do for me. When i asked to speak to his supervisor, i was placed on hold for 5 HOURS! Unbelievable! Unacceptable! 

Nelnet - The customer service agent was very nice and helpful but i was told that there seems to be nothing wrong with my account and he didnt understand why i was being negatively reported. 

This situation is in direct violation of UDAPP and FCRA guidelines. I have been dealing with this issue for 8 months and, quite frankly, i don't understand where the issue lies. I need this issue to be resolved as it is adversely affecting my ability to live in today 's society as a single individual. Please help me.
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is aga inst AFNI for r eporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX - XXXX, XXXX XXXX  XXXX - XXXX,
Product: Mortgage

The value of my home has risen dramatically in the last 14 months. I sent in a request to have my PMI removed. First, the company provided an unreasonably low valuation of the home inflating my XXXX to 93 %. Secondly, the company is maintaining that I must wait 2 years to get an appraisal to remove PMI. Thirdly, the company only communicates via email which they respond to in one month or more via mail. Fourth, the company will not communicate with me on how the valuation was reached. 

All three of these are unacceptable and I believe, possibly, illegal.
Product: Debt collection

Company reaged debt and made my credit score plummet without my authorization. In addition, i have tried multiple times to see what debt this is and every time i call them they can not locate my debt. Soemthing is severely wrong here! 

ALLIANCEONEXXXX XXXX XXXXXX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency ALLIANCEONEOriginal Creditor XXXX XXXX XXXXStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Account information disputed by consumer, meets FCRA requirementsCreditor Contact DetailsALLIANCEONE REC MGMT XXXX XXXX ( XXXX ) XXXXSee something wrong? 
Learn more about how to dispute items on your credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  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 captial one I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Checking or savings account

I filed a complaint concerning an account that was set up using my power of attorney for my step father. My step father passed away in XX/XX/2020, height of the pandemic. I havent been able to withdraw the funds for some unknown reason since the account was set up legally using my power of attorney. The XXXX name for the account was POA. My power of attorney and a letter from my stepfathers doctor saying he wasnt mentally capable of handling his financial affairs was given to Wells Fargo when I set up the account. My stepfather was in a skilled XXXX XXXX  in Florida. The account was supposedly set up as a joint account. I was able to deposit money and withdraw for the years, approximately 8, it was set up. I asked the bank every year if my name was on the account and the answer was always yes. After he died the skill XXXXXXXX XXXX sent me a check for the personal item account I had set up using my own money. They mistakenly put my stepfathers name on the check. I deposited the check in XX/XX/2020 after he passed away. The skilled XXXX XXXX was sold right after my stepfather passed away. I asked the bank for the check back since it shouldnt have been deposited. In response to the complaint Wells Fargo sent me a letter telling me to go the bank since they had spoken to the branch manager and I would be able to withdraw my funds. I followed the instructions in the letter and the branch still refused to give me the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft I'M FILLING THIS COMPLAINT FOR MYSELF someone stole my information and used it to open accounts under my name without my permission the fraud accounts are XXXX XXXXXXXX XXXX this account appear on my credit report does not relate to any transactions that i have made. also i was a victim of the 2017 XXXX data breach! THIS SITUATION HAS CAUSED FINANCIAL AND EMOTIONAL STRESS I WAS LAYED OFF MY JOB WHEN THIS 1ST HAPPEN AND I CANT FIND A HOME FOR MY XXXX KIDS AND WIFE!! ( 103 true identity theft ) iam a victim of identity theft.The information listed below is was open without my permission 15 U.S CODE 1681C-2 605 ( b ) BLOCK .ITEMS MUST BE BLOCK AND REMOVE IN NO LESS THAN ( 4 ) DAYS UNDER THE FAIR CREDIT REPORTING ACT,15 U.S.C. 1681, et seq. ( " FCRA ' ), FURNISHERS MUST INVESTIGATE DISPUTES RECEIVED FTC Report Number : XXXX because of jurisdictions i've listed fraudulent accounts. i also went and filed a police report
Product: Credit reporting or other personal consumer reports

My personal information is not correct at all. I have filed a FTC report for Identity theft and would like this information to be removed from all 3 credit agencies. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 



Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Credit card or prepaid card

Ive called my SSI XXXX card to dispute a charge and or question a transaction and I never really get very far. Im just transferred from person to person. 

I paid for registration on a XXXX XXXX 3 months ago with the DMV of Vermont and I was told that the DMV put the money back on to said card. 

I had 2 insurance policies going on this same card and not only will this XXXX card not refund me for the second insurance that I didnt use ( I was unaware I had 2 policies ) I paid for both unnecessarily and I spent hours on the phone with progressive and they couldnt locate said policy. But it was a reaccureing payment the insurance company received
Product: Credit reporting or other personal consumer reports

I have repeatedly requested PROOF that I contracted with XXXX XXXX XXXX and violated a contract. They have not provided this information and continue to report on my credit report that I owed XXXX XXXX XXXX. I never owed XXXX XXXX XXXX  and demand deletion of this erroneous reporting according to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. My next step is to take legal action in regards to this clear violation of the federal article.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage is through XXXX XXXX  and in 2019 we ran into some trouble because we switched our bank accounts and had set up automatic withdraws unfortunately there was an error and we were never notified of the first 30 day which then developed into several because we had to pay catch up once we found out what was happening and as you can see we never ran into problems with our mortgage payment before and this also happened on an auto with the same bank and same set up. We have since been on time with our mortgage payments for the last year and I would like the lates removed from our credit because it is bringing our scores down. The dates are XXXX. The report should only show the last 12 months. Please help.