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

On XX/XX/2021 I opened a cryptocurrency exchange account with Gemini Trust Company , LLC. I sent in the requested documentation for verifying my identification and was expecting to get notified that the process had been completed within the next 24 hours. By XX/XX/XXXX I sent in a support request to see what the hold up was but received no resonse. Come XX/XX/XXXX XXXX still had not heard back from them but figured they were very busy. I deposited {$200.00} on XX/XX/XXXX and {$200.00} on XX/XX/XXXX. On XX/XX/XXXX, XXXX, XXXX, and XXXX I sent out more support requests but did not hear back from the company regarding my ID verification. At this point I can not deposit any more money nor withdraw any money or crypto because my ID has not been verified. I am concerned I will lose access to my money and since I have not heard back from anyone representing the company I do not know what to do. Please help me get in touch with them to resolve this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

have received information regarding a debt that is being claimed against me. 
CREDENCE RESOURCE MANA Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify this debt I need you to provide the following : - THE ORIGINAL SIGNED CONTRACT BETWEEN ME AND THE ORIGINAL CREDITOR - FULL PAYMENT HISTORY OF THE ACCOUNT.

- PROOF THAT YOU OWN OR HAS BEEN ASSIGNED OR HAVE AUTHORITIES TO COLLECT THIS DEBT.

- LICENSE THAT SHOWS YOU CAN COLLECT IN NORTH CAROLINA.

After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency.

Furthermore, Under 15 U.S. Code 1692c I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response.

Regards.
Product: Mortgage

Back in XXXX I was notified they were going to raise my monthly payment from {$440.00} to {$440.00} as there was a month lapse between one company having my homeowners insurance to another company covering my home. 
On XXXX, the full {$40.00} was paid as a one time payment. The company still took the XXXX - slightly higher than what they say they are taking now - I called on XX/XX/year> and spoke to XXXX. He told me the one time payment was applied to the principal and he would get it changed to show the deficit for what they are calling escrow would show paid. In XXXX, they still took {$440.00}. I called back and was told the investigation into my call had not been completed yet by the time the payment was taken from my bank account but was assured that the XXXX statement and payment would be the {$440.00}. I filed a complaint with the CFPB at that time. XXXX Then I get another notification in the mail that there is still {$34.00} owed on the Escrow and the payment is going back to the {$440.00}. It never stopped and went back to the {$440.00}.

I have a copy of a ledger entry where the one time payment of {$40.00} was moved to show the Escrow had a XXXX balance. ( I'm unable to provide that at this time ) I have tried to contact them and get this resolved but they tell me one thing and then do another.

Fay Servicing should have a full audit done on their books and records. This has been going on now for almost six months and I'm about to contact an attorney.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan of XXXX and I ended up falling behind due to financial issues. I initially called to get the loan on XX/XX/XXXX, but actually got funded XX/XX/XXXX. I ended up calling the company to get put on a settlement plan to avoid interest and fees. I spoke to an agent in XX/XX/XXXX and they assured me the loan would not accrue any more interest, the overall loan amount would be lowered, and that I would only pay about XXXX each month. I was shocked however that on XX/XX/XXXX I was charged XXXX. I asked what happened and they said that it was an error since only accounts on collections are eligible for settlement. They also said I would have to wait XXXX to XXXX weeks before the loan defaulted and got sent to collections. Basically I would have to miss that many payments due to the new system being put in place. In the old system it only took about XXXX to XXXX missed payments to be sent to collections. I am now concerned because I am now dealing with very high daily interest rate. Aside from that I am worried about other fees that I am going to incur. I just want this situation to be remedied as soon as possible because I have other bills to pay at this time. The company said they can not do anything at this time since the system will not allow it and that I can not talk to collections until the loan has defaulted. Aside from that the only solution they offered is to pay my loan or a discounted offer if I decided to pay the loan off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft .I discovered the issue in XX/XX/XXXX and have been trying to work with Equifax to get the issue corrected Since XX/XX/XXXX. I have sent all the required documents to Equifax to get the fraudulent accounts off my credit without any success. I have filed a report with both the Federal Trade Commission and County Police and Equifax refused to remove the fraudulent accounts. Equifax always sent a generic response and I am beginning to believe they are not taking the time to investigate my dispute.I received two letters from Equifax both dated XX/XX/XXXX, in one of the letter equifax stated they are unable to locate my credit file in their database with the identification information I have provided. I have sent Equifax my Identification and SSN on numerous occasions and they said they verified the accounts belong to me now they are saying they can not locate my credit file in their database. The second letter states they will not blocked the information from my credit file. I am confused with this response and I need Equifax to investigate my claim with the creditors and not just say the fraudulent accounts belongs to me. I have stated in my police report that I am willing to press charges when the police finishes their investigation. 

Equifax currently has 6 fradulent accounts listed on my credit report. 
XXXX XXXX XXXX {$5700.00} XXXX XXXX {$1000.00} XXXX XXXX {$570.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$770.00} XXXX  {$1100.00} I am not sure how these cards were open in my name because I have only had my SSN since XXXX and should have had XXXX credit scores to obtain these accounts.
Product: Credit reporting or other personal consumer reports

I REQUESTED BACK ON XXXX XXXX XXXX THAT I WANTED TO OPT- OUT OF THE ACCOUNTS LISTED BELOW ACCORDING per 15 USC  6802b, 16 CFR  313.7a, 12 CFR  1016.7a(1)(2). XXXX XXXX, EXPERIAN, NOR XXXX RESPONDED TO ME AT ALL. I REQUESTED TO OPT-OUT OF THE ACCOUNTS BELOW;

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

In the process of obtaining a XXXX-figure home mortgage loan, I recently had the opportunity to review a copy of my credit report at the XXXX, Experian and XXXX consumer reporting agencies. Contained therein was an account for XXXX XXXX XXXX under account number XXXX. <P/>Vehicle purchase in XX/XX/XXXX - it was traded in without a single delinquency in XX/XX/XXXX. With that said, the XXXX, Experian and XXXX credit reports each contained XXXX XXXX 30-day delinquency. This reported delinquency negatively impacted my credit score. <P/>I disputed the erroneous late payment with XXXX XXXX XXXX, in addition to XXXX, Experian and XXXX. It was my contention that this account was never delinquent. <P/>On or about XX/XX/XXXX XXXX caused this account to be " updated '' at the XXXX, Experian and XXXX to show 31-60 days for the month of XX/XX/XXXX - 5 full years after the account was closed. <P/>My credit score at the XXXX, Experian and XXXX consumer reporting agencies immediately dropped more than XXXX points as a result of a " current '' delinquency being reported. I am now in serious danger of losing my mortgage approval, in addition to a six-figure deposit. <P/>I contacted XXXX, in addition to XXXX, Experian and XXXX to report the error. XXXX XXXX advised that the account was reporting correctly and that I should take my complaint directly to the credit bureaus. <P/>I entered a dispute on XX/XX/XXXX with XXXX, Experian and XXXX but was advised that it would take 30 days to complete the dispute. This is unacceptable. Not only have I never been late on this account, the account is now reporting currently delinquent as if I was late in current time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed my complaint on XX/XX/22, Bank of America responded on XX/XX/22 which is four months later only to not send the verification of this alleged debt. Please not that this is not a request for validation or proof of mailing address but a request for VERIFICATION
Product: Checking or savings account

I received a statement in the on or about the second week of XX/XX/2019 from HSBC bank. This account was fraudulently opened under my name, using my home address, date of birth, and social security number. After calling the customer service department at the bank, they told me to send a letter with the details and they would close out the account. I also went to a local branch and talked with the senior branch manger to get the account closed. She promised me this would be taken care of within 5-7 business days. On or about the second week of XXXX I received my second statement that the account was still open and getting interest. I then called the local branch manager to let her know the account was still opened, and she told me per her corporate office it sometimes takes longer to close out an account under these circumstances. I have not heard back from her as of today XX/XX/2019..
Product: Checking or savings account

I submitted instructions to Synchrony Bank on XX/XX/2023 to close a certificate of deposit upon the maturity date, XX/XX/2023, and instructed Synchrony to move all the funds to my savings account. I asked for a confirmation no. but the rep who processed the instructions gave me her ID # XXXX instead, stating the Bank did not have a confirmation no. On XX/XX/XXXX, the XXXX proceeds had not moved to the savings account and when I contacted Synchrony, a rep told me that transferring the funds, internally, from the XXXX  into the Synchrony savings account requires 5 - 10 days. This was never stated previously. 
I expected access to the funds on the maturity date and planned to move the funds to another bank with a better interest rate ; however, the funds can not be transferred to another bank unless the funds are in a savings or checking account. ( an ACH transfer to another bank can not be done from the XXXX account directly. ) There is no legitimate reason for holding the funds for 5-10 days before an immediate transfer internally from the Synchrony XXXX account to the Synchrony Savings account. although it continues to hold the funds, Synchrony does not pay interest, yet holds the funds for several days and uses the money without paying interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In 2020 I acquired very high medical debts related to the Covid epidemic. I was informed by a debt lawyer that I could dispute the debt, but never received any notice of this debt until it was on my credit report. I tried several times to dispute it but the credit company is not offering me a fair dispute. I would like this removed immediately because it is an unfair debt that will not be paid. XXXX XXXX charged me for a helicopter ride to the farthest and largest hospital that was unjust, forcing a debt onto me. There was a smaller and well equipped hospital not even 10 miles away from the scene of my accident. I was fully aware and awake at the time of my incident, and they were legally obligated to verify with me my preferred form of travel to the hospital. Instead of a few XXXX for an ambulance, they chose the most expensive mode of transportation possible and stuck me with a $ XXXX debt for uneccessary and unauthorized mobile transport. The decision was made by someone else on my behalf and did not allow me any choice in the matter.
Product: Debt collection

The following collection agency has damaged my credit reports with false claims that I owe them. I have never signed a contract with this company agreeing to pay a debt. National Credit Adjusters
Product: Payday loan, title loan, or personal loan

I have a Title loan with XXXX. 

I lost my job and the job I have now only pays minimum wage. These are aggressive collectors and I need help. 

They repossessed my vehicle last year and did extensive damage to it. After I recovered it from the Repo yard, i found that it had been crashed and had significant damage to the front end & interior. Both front fenders had been ripped out and were thrown in the back seat. The interior smells like methamphetamine smoke and cigarette smoke. Even now over a year later, I ca n't get the horrible smell out of the vehicle. 
These criminals call me over 15 times a day. Call and threaten me and friends and work associates whom were named as references when I first applied for the Title Loan. The interest rate on this loan is upwards of 30 % and I have been charged ridiculous penalties and junk fees by this criminal enterprise. I need help. I need to have my loan re-structured with them and new payment arrangements. I can barely afford to keep my family housed and fed and without my vehicle, we will be completely ruined. I have limited access to documents right now but I will certainly have any documentation you may ask for. Please help me as soon as possible. This is an urgent situation. 

Thank you, XXXX XXXX ( XXXX ) XXXX XXXX
Product: Debt collection

First communication with company was on XX/XX/XXXX. A voicemail was left on my phone from number XXXX XXXX XXXX XXXX from XXXX XXXX, presenting herself as a case manager from Kramer and Associates, advising she needs mine or my attorney 's statement for a time sensitive matter and left call back number of XXXX XXXX XXXX XXXX, referencing case number # XXXX. I called them back and expressed my frustrations how they are attempting to collect on such an old debt when they know the country is experiencing a pandemic and this whole ploy is just to collect the stimulus money of hard working individuals. When I asked for their corporate address to further express my disdain with their collection tactics, I was hung up on. They blocked my number, and every time I call from my phone XXXX XXXX XXXX XXXX, I get rapid busy signal. Today, XX/XX/XXXX someone from the same number XXXX XXXX XXXX XXXX called me again, and left a voicemail that said " go ahead and serve her with court date '' and disconnected. When I tried calling back I received rapid busy signal once more. I have copies of voicemails if needed. I am not able to save and upload.
Product: Credit card or prepaid card

I am requesting that CFPB investigate the refusal by CapitalOne to process a Reg Z chargeback request instigated by XXXX XXXX XXXX and supplemented by me re our MasterCard ( acct no XXXX ). XXXX rental car submitted an outrageous bill for which it retained no prior written authorization resulting from a rental car transaction. The car rental was late and attempts to extend rental directly was impossible due to unlawful attempts to change the rate or the refusal to agree to unlawful price gauging. The credit limit is XXXX and yet capital one accepted a XXXX bill by XXXX, tacked it to our account balance, and then promised to issue a preliminary credit via 2 supervisors before suddenly closing the dispute. Capital Ones customer service representatives outsourced to non-US countries failed to document original Reg Z chargeback demands properly, sent out the wrong forms containing inaccurate amount of disputed charges, and thus resulted in about 7 calls before two supervisors confirmed the chargeback credit was to issue within 24 hours of last call to Supervisor. I am alleging a conspiracy to prevent rental car availability to Mr. XXXX and me for purposes of preventing us from driving and relocating to DC with XXXX XXXX, who has an active CIA EEO matter pending in DC. Capitol One, along with XXXX, and every rental car company has collusively resorted to the most extreme forms of unlawful business practices and made a mockery of blatant consumer protection violations to hinder interstate and intrastate travel. I would like Capitol One customer service recordings of both Card holders on this account to be played along with a review of the writing s sent to the address of Mr. XXXX while both of us were stranded in CA attempting to secure a rental car while XXXX and XXXX XXXX in Texas sabotaged an auto purchase of a unique conversion van intended to be driven to DC by XX/XX/2019. I would like this matter corrected and brought to the attention of the Senate Intelligence Committee as XXXX XXXX is familiar with the pending CIA matter of XXXX XXXX, who is my husband.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXXXXXX ). 
( XXXX  XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
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 : XXXX, XXXXXXXX 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: Vehicle loan or lease

I have been trying to contact someone competent to speak to about this account since XX/XX/XXXX. I was transferred 6 times from Customer Service to XXXX XXXX which neither department would not and could not help me. 

As of today, XX/XX/XXXX, I got bounced around 4 times to finally speak to the correct person. The final person I did speak to, XXXX XXXX, was extremely rude and would not let me get my point across, very very unprofessional. I had asked to speak to a supervisor in which the supervisor was " not available ''. I am trying to get them to settle this account and or removed from my credit, and according to my credit report, this account has been written off as a bad debt. I need this account to go away since they did take the tax write off and never sent me a XXXX. They said they will not even do a pay to delete even if I were to payoff the amount they proposed to settle with.