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

On XX/XX/2023, I transferred XXXX $ XXXX tokens worth around {$5000.00} to my Binance US wallet on the XXXX ( XXXX ) network. Please refer to transaction XXXX on the XXXX network. You can go to XXXX XXXX XXXXXXXXm to view fantom transactions. 

The address that I transferred the assets from is XXXX. 

The address I transferred the assets to is XXXX. This is my Binance wallet address. 

The funds are sitting in my Binance US wallet, but I have been told by the company that the funds are unable to be retrieved as the token type is not supported. However, I have confirmed that the assets are available at that wallet address, as can be confirmed here : https : XXXX? XXXX It is unacceptable that Binance US would tell me they can not retrieve my assets. I simply want them to transfer my $ XXXX ( FTM ) tokens back to me at XXXX address XXXX which is the wallet address I originally sent the assets from. 

Please reach out to me if you require any additional information.
Product: Debt collection

This debt collector is wrongfully updating my credit report monthly stating that this collection is past due. I have never had an agreement with this collection agency. They are not legally allowed to state past due in regards to this collection account on my credit.
Product: Mortgage

XXXX XXXX provides casualty insurance payment and repair verification for Freedom Mortgage ( FM ). No problem here, lots of companies use third-party contractors. 

What is a problem is that they fail to disclose their relationship with FM - that they are a contractor. Compounding this deception, when queried, they will not disclose that they are in fact not a department of FM, but rather a contractor. 

It is axiomatic in the financial world that you must know your counterparty. Here we have a company - XXXX - with annual revenue of XXXX XXXX Dollars - concealing their true identity. Quote from today 's conversation at ~XXXX XXXX. 

" We are the insurance claims processing department for Freedom Mortgage '' Financial fraud is insidious - particularly in my age group XXXX+. 

XXXX XXXX and Freedom Mortgage should both be required to disclose the entity with which the consumer is dealing with. Anything less is an invitation to fraud.
Product: Mortgage

I used COVID relief for skipping mortgage payments and paid the back payments in time. it shows late payments on my credit score now
Product: Credit reporting or other personal consumer reports

Transunion is reporting inaccuracies as late payments
Product: Payday loan, title loan, or personal loan

I contacted Moneylion regarding a payday error last week XX/XX/23 on Wednesday. I get paid on XXXX. The app offered me the choice of deferment and I took it. Now I see that it is the same mistake as before, the loan is scheduled to come out on XX/XX/XXXX. They refuse to change the date by XXXX days even after I told them it will likely overdraw my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed when it is being disputed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the XXXX on the account. I didn't receive this paperwork status update date proves that this account wasn't even investigated. 
Contacted creditor and was told it was charged off yet credit report shows balance still owed as well as a past due amount of {$10000.00}. I contacted the company who they claim they sold the debt to yet no one answered and phone just rung. 
There are several FCRA violations associated with this account and though I have disputed the validity of this debt several times, I have yet to see any PROOF of amounts. 
XXXX  states late 120 days. No other agency is reporting this Transunion show no data on 2 yr pymt history XXXX  show no data on 2 yr pymt history Account has been charged off since XX/XX/XXXX yet past due amounts and balance owed are still reporting on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion had a server error, where the company had deleted inquiries from consumer credit reports, then proceeded to reinsert those inquiries BACK to the consumer credit reports! TransUnion failed to follow the LEGAL procedure to actually do so. When I called them to have the inquiries removes, they refused to do so. Below are the following inquiries : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, IL XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, MN XXXXXXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, MN XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, CA XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, CA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, CA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, CA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, CA XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, CA XXXX XXXX XXXX/XXXX/XXXX XXXX, NC XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX RI XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, TX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, IL XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, VA XXXX XXXX  XXXX/XXXX/XXXX XXXX, FL XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, UTXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX, UTXXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX
Product: Checking or savings account

To Whom It May Concern, I am filing a formal complaint against Revolut for engaging in aggressive, unfair, and deceptive business practices. Revolut charged me a non-refundable fee of XXXX XXXX for a check that I did not issue, and they refused to release any part of those funds to me. This charge was applied without any transparency, and despite my repeated efforts, their customer service has been completely unresponsive. 

Moreover, Revolut has gone to unethical lengths to shield themselves from accountability. Not only do they lack a physical bank presence or phone support, but they have also blatantly threatened to delay or disrupt the resolution process for any customer who dares to contact authorities like the XXXX or the Consumer Financial Protection Bureau. As if this were not enough, XXXX XXXX the screenshot feature within their app to prevent customers from capturing evidence of their statements. Despite this, I was able to document their actions by taking photos with another device. 

I am requesting immediate action and a full refund of the thirty-five dollars charged to my account. Revoluts practices need to be addressed to protect consumers from this unjust treatment. Their conduct demonstrates a serious lack of transparency and accountability, and I urge you to hold them accountable. 

Thank you for your attention to this matter. 

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

In or around XX/XX/2024, a credit account was fraudulently opened with my personal information at Wayfair via Citibank. In or around XX/XX/2024, I received notice of this fraudulent account via a Wayfair statement mailed to my address demanding roughly {$950.00} for purchased goods. I contacted Wayfair and informed customer service that I have not done any business with Wayfair or Citibank, and the account in question was fraudulent. Wayfair conducted an investigation and determined that since my personal information was used, I would be liable for the charges and that the unpaid balance would be recorded on my credit report. I intend to pursue legal action if Wayfair and Citibank can not correct this fraudulent account.
Product: Credit card

Credit card payment, for groceries purchased at the XXXX XXXX commissary on XXXX/XXXX/15 and XXXX/XXXX/15, were denied
Product: Debt collection

I recieved a letter from LVNV Funding aka RESURGENT regarding an XXXXXXXX XXXX XXXX  account and I sent in a dispute letter to them on XX/XX/2023 stating this proposed debt was originally disputed with the original creditor. I sent them this within the 30 days validation of debt notice. On XX/XX/2023, LVNV Funding listed this disputed debt on my credit bureaus with an open balance. Under the FDCPA which governs collection this is a violation of my rights as they can not report this to a consumers credit under a dispute. I want this removed from my personal credit file. 

I have attached my original letter that was sent to them within 30 days of first notice along with an attached screen shot of my credit bureau showing the collection account and balance
Product: Credit reporting or other personal consumer reports

Trying to get copy of annual credit report from Equifax. Questions used to authenticate my account are not related to my credit activity. I could not request report online or using automated system, that asked the same questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX  XXXX Balance : {$7300.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024. I received an alert that a new collection account was placed on my credit report from XXXX XXXX XXXX ( Original creditor : XXXX XXXX ). XXXX XXXX was contacted Ive never attended that school so they the. Sent over a cancellation to XX/XX/XXXX. XXXX XXXX stated they sent over a notice of removal to the credit bureaus. It has not been received from the credit bureaus. This is not my account I am in process of purchasing a house and with these accounts on their that obviously dont belong to me is hinder my process. This is not fair I need this account removed immediately.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Incorrect information being reported on my Experian account, I have disputed these incorrect account previously and no action was taken. I am now using consumer law to delete these incorrect accounts.
Product: Credit reporting or other personal consumer reports

I recently discovered that fraudulent information has been reported on my account, which I did not authorize or consent to. This misinformation is negatively impacting my credit report and is hindering my ability to apply for and secure credit. I request that this fraudulent data be removed from my account as soon as possible to prevent further harm to my financial standing.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress account.

T T ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

My account was permanently closed on XXXX XX/XX/year>, for a mobile digital wallet with business named Skrill, Inc. 

They didn't provide any reason and said that I violated the terms and conditions. Upon checking on it. I found I had not violated any of there terms and conditions. 
1. ) A had 2 accounts, as there vip member they allow a person to hold two accounts I requested them to reverify me and open the account but they didn't and said my account will be closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX SSN : XXXX | DOB : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thanks, XXXX XXXX
Product: Mortgage

Contacted FAY SERVICING on XXXX XXXX regarding escrow analysis ' and two payment increases. 

Two escrow analysis were done in one year resulting in payment increases. Two Representatives including a supervisor could not tell me why. Supervisor stated he would send this over to escrow department for review and within 72 hours someone would get back to me. I 'm still waiting. In addition my single point of contact representative has not returned numerous messages left for her. 

Verification of account holder is very poor. 

Lack of XXXX when calling a cell phone.
Product: Credit reporting or other personal consumer reports

I'm disputing the inaccurate information furnished on my consumer report that your agency has provided to third parties. The presence of inaccurate information on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in 15 USC 1681. The specific violations under the FCRA include 15 USC 1681 ( e ) ( b ) and 15 USC 1681s-2. I have thoroughly reviewed the consumer report that I obtained from your agency, and I have identified several items that are factually incorrect and detrimental to my creditworthiness. These inaccuracies have caused severe financial harm and have negatively impacted my ability to secure loans and credit on fair terms. The disputed information on my credit report is as follows : TransUnion, XXXX, XXXX, refuse to remove these inaccurate accounts, I've made numerous attempts and received mail stating Verified and Accurate How is this even possible to say your so called investigation is accurate and their aren't any account numbers to say theses accounts are accurate. This is fraudulent reporting A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, I am requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ).

Furthermore, as per 15 USC 1681s-2, I request that you promptly notify the data furnishers associated with the disputed information about my dispute. They are providing inaccurate information and under 15 USC 1681s-2 they are prohibited by law to furnish information that they know is in accurate or have reason to believe is in accurate. I demand that you conduct a comprehensive and impartial investigation within the time frame mandated by the FCRA, which is 30 days from the date of receipt of this dispute letter. Failure to adhere to this requirement will be regarded as a violation of federal law. 
Upon the completion of your investigation, I expect to receive a written report of the results, along with a copy of my updated credit report reflecting the necessary corrections or deletions. If your investigation reveals that any of the disputed information is inaccurate, incomplete, or unverifiable, you must take immediate action to rectify this matter in compliance with 15 USC 1681i ( 5 ). Additionally, I insist that you provide me with a written statement confirming that the inaccuracies have been corrected and that the updated credit report has been sent to all parties who have received my consumer report within the past two years. Please be advised that I am fully aware of my rights under the FCRA, and I am prepared to pursue all legal remedies available to me should you fail to comply with the law 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to XXXX, Transunion, XXXX  on the following dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning XXXX XXXX account & XXXX XXXX XXXX on my report that needed to be validated. I asked on all instances to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they had on file for the accounts listed. 



They did not remove the account after the 30 days however they removed XXXX from 1 bureau but then reinserted the account without providing any documentation validating the debt or any notification prior to reinsertion The XXXXXXXX XXXX XXXXXXXX account was updated to non charge off however no information was ever provided to validate. 

I have been XXXX for 10 of the past 15 years of my life and have had my identity used while being XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX used to provide Credit Monitoring through Experian. These services are no longer available and XXXX has said that Experian has resumed providing the services. I am not able to access Experian 's website. Using their password reset link does not send the e-mail as stated to the e-mail address they have on file. I have been unable to reach an actual human being at Experian when attempting XXXX, XXXX, XXXX, and XXXX. Each attempt is costing me several dollars as I am calling international from my overseas assignment in XXXX, XXXX. Experian continues to charge my XXXX account for {$12.00} monthly and is not providing the services paid for.
Product: Student loan

I 've had multiple issues with navient. The first huge one was forbearance. I was laid off an starting a new job soon but I just did n't have enough money to pay one month on my student loan. I called them to try and work something out but they told me all they could do was put me in forbearance but it had to be for 3-6 months! I could pay after I started my new job, I just could n't pay that one month so why would I need to waste my limited forbearance period on months that I could pay. They gave me no real choice. The second big issue is that when I was paying through sallie mae my monthly payments were way more reasonable. When I was switched to navient they shot up in the amount I had to pay monthly.