23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

This is compliant is being file against TD bank N.A.. the dispute case ID # XXXX bank name is TD BANK NA. ABA XXXX ACOUNT XXXX. this report is being put out by early warning service XXXX XXXX XXXX AZ XXXX this inaccuracy that being file against me. I have contact the TD, bank recover division there is no neg information are my account they could not find any. I have ask this bank about me and my bank account. i talk a recover office at td bank to day and he stated that the account is in good standing with TD bank go back 20 year ago. a research was conduct. that official could not find any neg information about this account there is no money old to the bank for overdraw status. he also stated that he could not see anything neg about my credit card or personal check and with no abuse TD, bank needed to correct this bad information. I have contact XXXX XXXX XXXX XXXX and TD bank NA. both today.
Product: Bank account or service

With regard to Case number : XXXX United Bank locked up my account. 
Peoples United Bank returned only half my fundsPeoples United is still assessing their gratuitous feesMy XXXX does n't understand that this is just another reason XXXX. 
I am XXXX years old and I do not deserve to be treated like this.
Product: Credit reporting

XXXX XXXX XXXX is an account that was originally opened in XXXX of XXXX, was then sent to a collection agency named XXXX and eventually paid off in full in XXXX. I had printed a credit report in XXXX to get the status of when the items, XXXX XXXX and XXXX XXXX, would be removed from my credit report and it was noted that it will be removed in XXXX of XXXX. I recently inquired to a credit bureau representative about late payments to another account that should be removed and upon confirming the removal of XXXX XXXX and XXXX XXXX from my credit report in XXXX of XXXX, I was informed that the date was changed to a time in XXXX without any legitimate reason. I am disputing the fact that I should n't have to wait an extra two years to have items removed from my credit report when its was verbally expressed and stated on a credit report that the items were going to be removed in XXXX of XXXX. I have the original copy of my XXXX credit report if it is needed to confirm my dispute
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, we received an email from Venmo to our email mentioning that our account " has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service '' without any notice or what happened. We have {$640.00} on the Venmo account and when we reached out through email, they asked for proof of ID which my boyfriend submitted to them and then they replied back this morning XX/XX/XXXX stating that we were " not eligible for reactivation due to several concerns regarding your activity. '' I called and chatted with them and Venmo mentioned that they can not give me any information. That they only way to get a reply is to reply back to the email that the Venmo team sent. We have consistently been going back and forth with this and it was mentioned in their email that they would keep the {$640.00} for 180 days. Not sure how they would keep our money when we need it for our monthly payments. I am very concerned with this company and with our money on the account. Our account username is @ threelions. This is my boyfriend 's account where he receives money from construction mini projects he works on.
Product: Payday loan, title loan, or personal loan

Dear CFPB, I am writing to bring to your attention an issue I have experienced with Transform Credit. I recently accepted an offer from XXXX Transform Credit for a credit amount of {$7000.00}, with the condition that I provide a co-signer. 

However, I have since discovered that Transform Credit did not provide any consideration for my intellectual property, despite my contribution being a significant factor in their decision to extend the credit to me. Furthermore, they have kept my securities and have not provided any form of compensation for them. 

This conduct by Transform Credit is in direct violation of the XXXX XXXX XXXX and interstate commerce regulations. As a result, I am seeking your assistance in addressing this matter and seeking redress. 

I believe that Transform Credit 's actions are unfair and unreasonable, and I am concerned that their behavior may be indicative of a larger pattern of misconduct. I hope that your agency will investigate this matter and take appropriate action to ensure that all consumers are treated fairly by financial institutions. 

Thank you for your attention to this matter. I look forward to hearing from you soon
Product: Money transfer, virtual currency, or money service

I am having an issue with Coinbase and was advised to reach out to you guys as a lot of people have been getting issues resolved when going through CFPD. 

I initiated a withdraw from my CoinBase account on XX/XX/XXXX to my Bank Account ( Please see attached screenshot ). Coinbase said I should received the funds on the XX/XX/XXXX. It is now XX/XX/XXXX and still no funds in my bank account. Transaction is still showing as " pending '' on their website. 

I have reached out multiple times to CB support. Got a reply 3 days later from the first time I reached out to them. They asked for information that I had ALREADY provided to them initially. Seems like they are stalling, trying to buy time, or just ignore their customers. Upon my follow up email I still have n't received another reply from them and its been 2 weeks since then ... 

Please review my case and please help me! Thank you
Product: Credit card

Ally took over my XXXX account. Since then I have been unable to access my account online. I have made calls since roughly XXXX of last year and the representatives said the problem was being fixed. I have no way to check for fraudulent charges, what my monthly payment is, etc. I called today XX/XX/XXXX and the phone system has changed and there is no access to pay a bill. The representative I spoke to is now in another country and in trying to work with him I explained what I needed and he hung up. It's been at least 10 months since I started complaining about being unable to access my account online. I find it hard to believe they were unable to fix this problem after all this time. Now that they have changed their phone system, Ally has set up another barrier to overcome. I'm surprised they have gotten away with this. In talking with the representatives in the past they led me to believe it is a widespread problem, so I would be surprised if others aren't also suffering.
Product: Credit card or prepaid card

In XX/XX/XXXX, I called XXXX XXXX for our business account to let XXXX XXXX we terminated several employees and I did not want them to have access using the company 's gas card or XXXX to purchase gas since the employees no longer work with the company. The Representative for XXXX XXXX Customer Service department told me she had to reissue our gas credit cards and this would prevent the use of the card or XXXX to charge gas on our account. I received my bill and notice several unauthorized charges on our account. I ended up getting a Supervisor after making several calls to find out the Representative in XX/XX/XXXX gave me the wrong information. I requested a Fraud investigation on our account for the unauthorized charges made to our account. I told I had to speak to the XXXX department since the charges were made with a XXXX. I have now made 5 request to  have the charges from XX/XX/XXXX - XX/XX/XXXX unauthorized charges be investigated and XXXX XXXX and Citibank refuse  to look into the matter or send me the requested documents to sign to investigate the unauthorized charges. I getting harassing dept collection calls 3-5 times a day. I have accrued interest on charges I should have never charged in the first place or had to pay, because I notified XXXX XXXX from the very beginning. XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear GENESIS CRDT, I am writing to address a blatant violation regarding

the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws under Missouri statutes . It has unequivocally come to my attentio
n that GENESIS CRDT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. F

ederal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Specifically, Missouri 's identity theft statutes, such as Mo. Rev. Stat. 570.223, underscore the severity of unauthorized access and misuse of personal inf
ormation.

I assert with unwavering certainty that I have not provided consent for GENESIS CRDT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that GENESIS CRDT immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that GENESIS CRDT will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These items that indicate late payment are not accurate as I have ben on time with all pyments.
Product: Money transfer, virtual currency, or money service

Respected Ladies/Gentlemen of CFPB, I sent {$1000.00} via Western Union to XXXX ( XXXX XXXX ) from XXXX on XX/XX/2018. 
Recipient was XXXX XXXX XXXX, who had done work for me during an electrification project. 
The recipient did not pick up the money, as Western Union XXXX had given it to somebody else. I will be happy to provide you Western Union 's receipt of transfer and the recipient 's passport. 
I lodged a complaint with Western Union and they have done nothing. My party in XXXX is sick & needs the money for hospitalization. 
Thanks you Very Much. 
Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was purchasing a vehicle back in XXXX and Ally Financial ran my credit 7 times, there is no reason why it should put 7 inquiries on my credit report. I sent a verified letter to the dealership and to ally financial, and I got a response back that it was " factual ''. I am trying to purchase a home for my family right now and this is damaging my credit.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 XXXXXX/XX/XXXX
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 : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Debt collection

I received a billing statement from XXXX XXXX XXXX XXXX out of XXXX XXXX XXXX citing they representing Discover Bank on an alleged credit card debt I owed. 

The demand was responded to within 30 days to which I requested the debt be validated in addition to providing me what legalities this firm has to attempt to collect a debt against me in the State of GA and if they are licensed to practice collections or law within the State of GA to provide proof of the same. 

As far as validation this debt collector simply mailed me billing statements which are not contracts or a written agreement of any debt I've agreed to or am legally binded to pay. 

This debt collection has sent only XXXX notices and neither suggest or imply that they would be or seeking legal remedies against me. As such, I've recently found out that their is a civil matter filed in the XXXX XXXX XXXX under docket # XXXX over this alleged debt that has not been proven. 

At this time I feel as if my life is now being threatened over a $ XXXX credit card debt while many americans myself included are dealing with increased expenses as we are in a global recession with no immediate relief in sight. 

To now add to my XXXX  I am now being forced to respond to a debt and my livelihood being affected when this company has likely written off this debt and are only trying to force me to pay them additional monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing regarding the above-referenced account. Please note that I am not disputing this account. XXXX XXXX XXXX Account number XXXX. 
Recent balance {$33000.00} as of XX/XX/scrub>/2024 However, I kindly request that you provide the following information for my records : The Date of First Delinquency for this account. 
The Date of Last Payment made on this account. 
The Date of Charge-Off for this account. 
I would appreciate it if you could provide this information in writing. If additional documentation or authorization is required to process my request, please let me know at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

I had fall behind on my payments and I file bankruptcy and for Illinois hardest hits program Illinois hardest hits reinstatement my loan and I contact bankruptcy court to inform them I contacted Illinois state attorney because I over played wells Fargo is now claiming they don't know what happened to money.they have been with information since XX/XX/XXXX can they be dismantled they said to states attorney pay XX/XX/XXXX and XX/XX/XXXX and they will refund {$6600.00} not but they refund the two payments. 
XXXX XXXX
Product: Mortgage

I attempted to apply for a CARES Act mortgage forbearance through PNC Bank - where 6 months of payments can be deferred until the end of the mortgage, with no balloon payment required. 

I was told that the only loan modification offered to me would be a 3 month forbearance, with a full balloon payment of 3 months of rent due at the end of the period. I was told the CARES Act modification was not available to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both XXXX XXXX and XXXX XXXX about credit inquiries which I did not initiate. 
Both companies assured me they would correct these inaccuracies. in reviewing my credit reports with XXXX amd Eqifax none of the companies involved have done so. 
XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have NOT applied for credit for over two years
Product: Credit reporting or other personal consumer reports

I am beyond frustrated to see an unauthorized inquiry on my credit report today without any explanation. I routinely check my report, yet this discrepancy suddenly appeared. I even tried refreshing my browser, thinking it was an error, but it stayed there. This needs to be fixed immediately. Please review my documents carefully so I can have peace of mind.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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: Debt collection

XXXX XXXX I contacted XXXX XXXX at the number XXXX that left attached to the order he used to gain access to {$5300.00} on XX/XX/22. 

The person that answered the call tried to make me believe that she did not know why I was calling and asked for my sons name ( XXXX XXXX XXXX XXXX ) and has nothing to do with this. 
Then after she acted out her role of not knowing why I called, she then tells me about the attempt to collect a debt. She gave me a name, XXXX XXXX x XXXX would be handling my case, the person then asked me for an index number, I told her an index number would be on a court document which I don't have and don't know why money was taken out of my account. The woman said she would transfer me to XXXX XXXX, and then the call ended, as if I was hung up on. I call back and get the voice mail of XXXX XXXX, I left a message that I called to request that my money be returned to my account. It was taken illegally and want it back now. This occurred at XXXX : XXXX XXXX  today XX/XX/22. It is now XXXX : XXXX as I propel my claim again, against XXXX XXXX. I did not receive a call back from this office at all today. In addition, I called my bank to get more information and was told that there was no Index number attached to the legal order. 

I'm caught in this web of XXXX XXXX and associates while he continues to scam people and also scam community agencies with legal jargon and what I now believe is false court documents. He makes it a habit to come after me, and it's seems like it always around the holidays, I'm not sure if he has other stakeholders involved in his money scheme but it really has to stop. How many bills is he going to accuse me of owing and the timing of his actions are unsubstantiated and could not be in a collective state. 
I keep track of my bills, and maybe he thinks I don't know that and tried again to surprise me with made up cases.