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

I had made investment through Crypto.com to another trading company under the name Liquid.com that I had downloaded from the XXXX XXXX  XXXX  to invest in trading of XXXX coins. After I had transferred my investment of over {$140000.00} dollars from my bank to Crypto.com receiving bank, the fund was transferred to XXXX to trade in XXXX. However after I had made profit amount to a total of {$210000.00} dollars including principal, I was asked to deposit my federal tax withholding of XXXX dollars before I can withdraw my investment. This amount was paid via Crypto.com transfer to XXXX and my total investment was approved to withdraw but must queue in line because of a vast backlog of withdrawal request. XXXX  is claiming a wait period of 5 to 6 months. However as of today this XXXX website is under maintenance and did not respond to any request, furthermore the XXXX XXXX XXXX has removed the download of this XXXX XXXX who claims they are the offshore trading website but working with Crypto.com to facilitate trading. My bank transfer the funds to Crypto.com receiving bank in XXXX XXXX and then transferred to XXXX.
Product: Vehicle loan or lease

XX/XX/23 Westlake Portfolio contacted me twice ( between XXXX and XXXX est ) in reference to being 7 days delinquent. I advised that my payments were deducted semi-monthly, with the most recent being XX/XX/23 and upcoming for XX/XX/23. The rep stated something inaudible, communication was done. Later, closer to XXXX EST, another rep called in reference to the same thing. I requested a manager because Ive had the same call earlier and its a violation of the FDCPA. I was rebuttled, but still wanted to speak with a manager. The rep proceeded to try to collect. Then he stated all managers were busy.
Product: Debt collection

Hello, I Am XXXX XXXX. I Am Trying To Clean Up My Credit Report. I Had Rented An Apartment, I Think In XX/XX/2014 At XXXX XXXX Of XXXX. I Paid My First Months Rent & Deposit, Shortly In Two Weeks I Was Unable To XXXX  For One Month Due To XXXX XXXX XXXX XXXX XXXX XXXX. I Had To XXXX  For Month Without Working & Had No Money. I Explained To The Apt Manager My Condition. I Immediately Had To Sell Everything I Owned and Move Out. I Was Issued A Bill For {$1400.00}. This Bill Isnt Even Close To What My Rent Bill Was. Please Erase My Name and Debt Off Of My Credit. I Have Been Homeless Since That Day! 

Thank You
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I am a victim of identity theft my mom husband wanted to go back to school so he used my information to get out student loans in my name he even took out a load in my name for mortgage and getting a car in my name.my credit has been a mess I am trying to get my own home.I never took anything out in my name i just want my good name back that this person has stole from me.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious issue regarding inaccurate reporting on my credit file, which is in violation of the XXXX XXXX credit reporting guidelines. I have attached a copy of my police report, which documents identity theft and serves as supporting evidence for the inaccuracies in question. 
The following accounts are erroneously listed on my credit report these accounts are neither listed on my XXXX credit report nor my XXXX credit report : Inquiries : XXXX XXXX XXXXXXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXXXXXX XXXX XXXX  Accounts : * XXXX XXXX * Account Number : XXXX * Amount : [ {$56.00} ] XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * Amount : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * Amount : {$720.00} * XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * Amount : {$2500.00} * XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * Amount : {$2500.00} I have already filed disputes with your bureau I have taken the necessary steps by contacting law enforcement to address the identity theft issue. The attached police report provides explicit details of the fraudulent activities associated with my identity, confirming that the reported accounts are a result of criminal actions. 
As per the XXXX XXXX guidelines, I request that you conduct a thorough investigation into the accuracy of the information being reported on my credit file. Furthermore, I insist on the immediate removal of the aforementioned accounts, as their inclusion is not only damaging to my creditworthiness but also a direct violation of my consumer rights. 
Please consider this letter as my formal notification of the inaccuracies on my credit report. If necessary, I am prepared to take legal action to rectify this matter and seek damages for any harm caused by the reporting errors. I trust that your bureau will treat this matter with the utmost urgency and adhere to the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX format. 
I expect a prompt and thorough investigation into this matter. Additionally, I request written confirmation of the results of your investigation, including any actions taken to correct the inaccuracies on my credit report. 
Your immediate attention to this matter is appreciated. Please feel free to contact me at XXXX or XXXX if you require any additional information.
Product: Credit reporting or other personal consumer reports

I am currently in the home buying stage, where I soon realized I have damage & negative items on my credit report. According to 15 U.S.C 1681 there should not be any damages on my report it is a defamation of my character, as all of those listed are fraudulent accounts.My personal information was used without my permission to open fraudulent accounts and inquiries using unauthorized residential addresses I never lived at. I have contacted the credit bureaus, data furnishers, consumer financial protection burueu, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. XXXX Fraudulent accounts unauthorized identity theft : XXXX open XX/XX/XXXX balance {$18000.00}. XXXX XXXX XXXX XXXX  opened XXXX XXXX balance {$1000.00}. XXXX XXXX XXXX opened XX/XX/XXXX balance {$670.00}. XXXX XXXX XXXX  opened XXXX XXXX balance {$1100.00}. XXXX XXXX XXXX opened XX/XX/XXXX balance {$220.00}. 
XXXX XXXX opened XXXX XXXX balance {$1000.00}. XXXX opened XXXX XXXX balance {$2100.00}. XXXX  XXXX XXXX opened XXXX XXXX Balance {$10000.00} fraudulent addresses connected to fraud never lived there XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

JPMCB - CARD SERVICE XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXX XXXX CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Money transfer, virtual currency, or money service

I was going to login into my account but I could not gain access to it. I contacted support and they sent me an email saying my account is locked because of my suspicious activity. I XXXX XXXX on XXXX XXXX and I dont know what going on. This is the third time this has happened. All the transactions have the XXXX tag and/or XXXX XXXX, or miscellaneous bill payment tags.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX took over my student loans over 3 years ago without my consent and the account was given to them without my consent by U.S. Department of Education without my consent. This has been on my credit for over 13 years and U.S. Department of Education has allowed this to happen along with allowing these loans to be given over to at least 5 different 3rd party companies which was without my consent. According to the FCRA guidelines this is unlawful and these loans were supposed to be dismissed long ago but theyre still lingering on my credit report in the amount of {$53000.00}
Product: Credit card

I disputed a Charge with barclays and they are not siding with me because they don't understand how to read the merchants policy. They told me they are not attorneys. So because they are misunderstanding the policy they will not side with my dispute. The dispute involves a purchase of an airline ticket. I bought the ticket and asked for the merchant to cancel within 3 hours of the purchase. Their contract of carriage allows all tickets to be canceled within 24 hours unless the trip is within 7 days of travel. So I purchased the ticket months in advance and I sent a cancel email within a few hours. The department of Trasnportation that regulates airlines put this law into place to protect consumers. Barclays has failed to be able to comprehend the law and contract of carriage. I need help
Product: Consumer Loan

I signed a promissory note that required 60 payments of {$570.00}. All 60 payments were made as agreed and on time as I had my account on ACH. I am now being pursued for an additional {$26.00}. They are harassing me at my POB for payment of this amount.
Product: Mortgage

I filed complaint XXXX. 

Please read and do not close the account because Shellpoint says anything. 

I made the trial payments according to the statements sent to me by Shellpoint. Shellpoint sent statements with different trial payment amounts. I paid those amounts and asked for clarification. Shellpoint refused to provide clarification. So, I paid the difference in trial payment three.

Now, because Shellpoint sent different statements with different amounts, Shellpoint is claiming that I violated the trial payment for paying the statements that they sent. XXXX XXXX did not provide clarification during the trial plan that Shellpoint made an error in its statements for nearly 60 days. 

Shellpoint did not clarify their error in bad faith. Yet, I paid more than the Shellpoint statements required and Shellpoint is using my good faith to deny the permanent modification for the trial plan that I completed. 

Yes, I said that I could not afford the modification without the American Rescue Plan. But, Shellpoint did not provide all the options that are available to me given my completed modification application. Since I have a hardship related to Covid, which I asked for XXXX XXXX, XXXX, I should be able to get the permanent modification to start on XXXX XXXX, XXXX. 

I fulfilled the terms of the trial statements sent to me. This is pure harassment for XXXX XXXX, not to answer and provide clarification for nearly 60 days and then use Shellpoints lack of transparency to claim the offer was revoked in their XX/XX/XXXX response to the Consumer Financial Protection Bureau. 

I do not have an outstanding escrow balance is incorrect. Shellpoint owes me {$270.00} for the advance XXXX gave to Ditech. I have proof that the account is owed the money if Shellpoint wants to continue harassing me with inaccurate statements. 

In XXXX of XXXX, I also asked for a forbearance and trial payment. Please please someone help me because I paid the Shellpoint trial payment statements. So, I did not violate the the trial modification. Shellpoint did with the inconsistent statements regarding the trial payment amount. I thought the corrected the inaccurate 20 % they were using for streamlined modification. However, their actions merely served to create confusion to find a reason to deny the modification. When I paid the difference after XXXX XXXX, did not respond, Shellpoint tried to act as if I did not pay the third trial payment and would not deposit the check. Since I provided CFPB copies of the check and certified mail receipts, now Shellpoint is claiming that I the modification was revoked. Shellpoint made no notification of a revokation prior to inserting it in the response to CFPB on XX/XX/XXXX. They should not be allowed to revoke me completed trial modification for their sending differing statements.
Product: Credit card or prepaid card

I applied for XXXX XXXX XXXX XXXX from American Express. The bonus offer is XXXX bonus miles + {$300.00} statement credits. After I made eligible purchases ( over {$2000.00} purchase and booked a XXXX XXXX ) within the first 3 months, i did not receive the bonus. 

When i inquired custom service with the custom service, I was initially told that I am eligible for the offer but there may be delays. I waited several weeks, but still did not receive the bonus. When I checked with them later, I was told that the promotional bonus offer was declined when I applied for it. However, I did not receive any notification ( e.g., no pop-up windows ) when I applied for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

XXXX continues to make unauthorized transactions to my cash app account. Have asked cash app for a replacement card but was told I had to pay for it. Never had card replaced nor can you read or swipe the card. There is several companies trying to do transactions on my cash app account and cash app is doing nothing to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet refuses to provided me any validation of the debt. I requested information to the validity of the said debt owed, but Nelnet refused to provide any information.
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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX  XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against a collection agency, XXXX, Trans Union, and XXXX Credit Bureaus regarding reporting inaccurate information and providing fraudulent credit information. This disputehas been filed 4 times for a Collection Item from [ XXXX XXXX XXXX ] This is inaccurate because, the amount listed as a debt was paid in full to the original creditor ( XXXX in XXXX XXXX XXXX on XX/XX/XXXX. I have included a copy of the Move Out Statement from the original creditor dated XX/XX/XXXX that shows a balance of {$0.00}. I am requesting that this item be removed from my file. 

This is also inaccurate because, the balance owed of {$570.00} listed is wrong, as this was paid in full to the original creditor on XX/XX/XXXX. 

This is also inaccurate because XXXX XXXX has reported different amounts to the bureau weekly over 6 times between XX/XX/XXXX and XX/XX/XXXX. This amount should not be changed. 

I have forwarded the following documentation to the entities listed above to supporting my claim : 1. Letter to XXXX, XXXX, and Trans Union. 
2. Move Out Statement- Provided by the original creditor upon my move out. Listing the full payment of the amount owed of {$1100.00} dated on XX/XX/XXXX. I am requesting this be removed from my credit file or changed to reflect correct information.

3. Resident Ledger-Provided by the original creditor showing a corrected balance listed XX/XX/XXXX. This was sold to XXXX XXXX as a debt 2 months after the move out statement was provided with {$0.00} balance owed. I am requesting this be removed from my credit file or changed to reflect correct information.

4. XXXX Credit reporting- XXXX XXXX  XXXX stated I paid the collection amount in full to them and have a {$0.00} balance. This is fraudulent. I have not paid any amount to XXXX XXXX XXXXXXXX XXXX XXXX XXXX.
Product: Student loan

This is a follow-up to a previous complaint against UASXXXX. They asked you for 45 days to investigate, but they have turned the account over to a collection agency and ruined my daughter 's credit and mine as co-signer. She graduated XXXX, 2015. She has a 6 month grace period. She is not working.She has no income. I have no income. We are destitute. Life really has no meaning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX  XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX DEALER S on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX, I on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

The account reported a late payment for XX/XX/XXXX during the " COVOID-19 '' pandemic. I called the company before my due date and asked for an extension. The extension was granted, which the rep told me this would not be considered as a late payment I would just incur interest. I tried to get the company to chnage the remark, but no feedback or assitance was given.
Product: Checking or savings account

I paid for a cruise via XXXX. I was unable to attend and with merchant requested refund or to move cruise to another date in early XX/XX/year>. Merchant advised that a refund would be sent in XX/XX/year>. In XX/XX/year>, I did not receive a refund reached out to Navy Federal for assistance. I completed a dispute online and was advised that a form must be sent in since there were more than 2 payments disputed. After a week of sending proof and form no response from Navy Federal. I contacted Navy Federal and was advised that they were not aware it was uploaded. Claim was reopened and on XX/XX/year>, reached out regarding temporary reversal. Originally told that it would occur after 10 days and it has not happened. Merchant has stopped responding to my request as of XX/XX/year>. Navy Federal reached out to merchant and received no response. Now they are asking me for a refund policy for merchant. I have nothing additional to provide and they have continued with overdraft fees because I assumed my reversal would be completed by XX/XX/year>. Any assistance would be greatly appreciated.