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

Ever since my compromised account ( XXXX ) was closed and reopened to the new ( XXXX ) EVERY SINGLE ATM transaction has been declined and NO ONE within the CHASE organization can explain why. I have been embarrassed, left with no way to gas my car, and no way to stock my pantry. 
My old account would ALWAYS pay - REGARDLESS of account balance!! And I never had to worry about my safety or wellbeing. REGARDLESS OF ACCOUNT BALANCE. And in all honesty, I had no problems paying the respective NSF fees. This new account blocks every transaction - not to mention, checks have been returned too!!!!! 
Im NOT happy!
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

My uncle who was in his XXXX & passed in XX/XX/2020, had made me a joint user on his citi XXXX XXXX MasterCard. I lived with him & took care of all of his finances. I paid his final bill for his full balance, sent in a certified original death certificate, & a handwritten note asking for the account to be closed, as I was his executor. That was in XXXX of XXXX. I hadnt heard anything by the next month, so i used the online chat function. In the chat, I asked if all had been received & the customer service agent said it was in process. Also In XXXX of XXXX, I received a late notice by email stating that the account was past due for the month. I made a phone call, there was miscommunication as the service rep couldnt understand me, so he got mad, blacklisted my phone number & blocked me from all account functions. I attempted to send a second payment out of fear with another letter. I kept trying to call, my number was blacklisted by Citi, & I was sent to these people overseas who played games & tried to make the call drop. I was in shock. I tried to make a third and final payment by mail as this was my only option, having been electronically blocked. Finally, the company processed all 3 payments, closed the account, & sent a statement with a credit of over {$130.00}. I attempted again to call Citi to get the money back, but same thing, blacklisted my number, & they played games. This experience was horrible, humiliating, & came at a time where I lost the last of my family. Nobody has ever called from Citi to resolve this matter. I cant believe they are allowed to get away with this. My guess is if its happened to me, its happened to thousands of others.
Product: Mortgage

Please refer to case number XXXX. 

I am opening a new case as there is new information. 

The dispute is around lot line adjustments. Rocket mortgage allows all types of lot line adjustments except the one I need to do. This is clearly prejudicial and harmful financially to me. 

And I put in a complaint with XXXX XXXX, the owner of the loan, and they agree. 

You may contact XXXX XXXX to verify. My case number is XXXX. XXXX presently says they will make an announcement, and clarity that servicer 's need to do this type of lot line adjustment. But there is no time frame and I need to start the project. 

I want to trade land in the front ( I own XXXX XXXX ) for land in the back. Essentially, I own XXXX XXXX in front of my house and not my backyard. I am trading an equal amount. 

Reason : the house was built in XXXX and there was not good surveying at that time. 

Even though XXXX has told Rocket the announcement is coming, Rocket Mortgage refuse to move forward with my lot line adjustment and this is clearly prejudicial. 

Please reopen the case. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Someone use my information to purchase a vehicle I reached out to the consumer to let them know once I was aware of this account I would like this removed from my account immediately please thank you I did not purchase a car with this company I been sent in a police report stating my identification was stolen and they had the person in custody for using my name
Product: Vehicle loan or lease

In XX/XX/XXXX, CNAC was sued by the XXXX   Attorney General. A settlement was announced on XX/XX/XXXX indicating that I would be notified by the Attorney General about the impact that this would have on my account. On XX/XX/XXXX, CNAC sent an unsigned letter describing the way they believed my account was impacted and indicated that my payments would be lowered accordingly. On XX/XX/XXXX, I made a payment and I informed CNAC that I would need a copy of my account history to analyze the changes that CNAC suggested were a result of the Attorney General settlement agreement. I received the statement in mid XXXX, XXXX. I have now assembled all information related to this loan and sent a copy to the XXXX Attorney General to ask for their guidance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called in to customer svc to make XXXX payment as I was out of country and had limited access to internet and gave payment information to associate. I did not think anything of it and thought they everything was good. I am just now seeing that the company has posted a 30 day late payment on my credit record. I called to discuss with company but they indicated I need a record. How would I have a record if I called in. They are indicating that they have no record of me calling in to make the payment, but I know I called in. I have never been late on this account and account balance is currently {$0.00} on the card.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, these accounts and inquiries were not authorized by me and must be removed immediately. 
The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, on XX/XX/XXXX I received a notification that Discover updated my payment information on my XXXX  Reporting from past due XX/XX/XXXX to current. However all 3 bureaus were not updated so I sent a request to have all 3 bureaus updates. On XX/XX/XXXX, I received notification that Discover had removed the positive payment history and reported the negative history again. I feel like this was a very bad experience and that Ive been discriminated against. The decision to add back negative historys UNJUST, negative and has violated my  consumer rights and is hurting my credit score.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I never received a statement until recent months. I work with XXXX XXXX XXXX in XXXX at XXXX hit hard by COVID 19 and poverty. I did had no knowledge of a garnishment played on me because nobody ever cared to call or e-mail me. I asked why not call me instead of garnishment? We dont call millions of customers everyday. Millions of customers getting sent to the feds for garnishment? Excuse my sarcasm miss but this is bogus. So you reported me the same company late on one hand miss, and with the other you reported me and on time in the same month with the same company on another account? Why reestablish my account and put harm on me then. I figured I was moving forward during a pandemic. Finally was able to pay and bammmm here is your reward : 3 late marks and a collection account I did not see coming. Three consecutive late marks appeared : XXXX, XXXX and XXXX. Seems bogus since I just bought my dad an XXXX  XXXX using my star card. I may cancel my account anyhow and inform the exchange that I cant deal with this harm to me. It is destroying my credit at a time I need it the most.
Product: Checking or savings account

We opened 3 CDs at San Francisco Federal Savings and Loan Association ( SFS & L ), two on XX/XX/XXXX and one on XX/XX/XXXX. We didn't do anything with them until XXXX, XXXX when we came across the bank books and tried to find out where the money is. The SFS & L has changed hands several times becoming XXXX XXXX, then XXXX XXXX, then XXXX, and is now owned by Citibank. We contacted Citibank, who claims no knowledge of our accounts.
Product: Credit reporting or other personal consumer reports

I was a victim of fraud and I recently I received a copy of my credit history report from XXXX. That Report contained incorrect information reported by you. 
I contacted XXXX, XXXX and Trans-Union to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : { dispute_item_and_explanation } I am enclosing the following documentation to support my claim that the information you have reported is not correct : This negative mark is damaging to my credit. Please contact XXXX, XXXX and Trans-Union , immediately to remove this information from my credit file. 
Please confirm to me within 20 days that you have contacted the credit bureaus to correct this 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 have violated my federally protected consumer rights. 


- 15 U.S.C 1681 section 602A section 2 : states I have a right to privacy.

- 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

- 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 of 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 1681 s-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 reasonanble cause to believe that the information is inaccurate. 

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

Ally Financial is reporting XXXX  lates on my credit file. This auto loan is for my mother, though in understand it is in my name, and she has been experiencing a hardship. I try to help her when i can but with my situation and i could not help her these last few months. Again i understand this is in my name and i have been in contact with Ally about this and set up an arrangement to help my mom keep he car and to help keep my account in good standings. I was told through this arrangement lates would nit be reported to my credit file. I recently checked my credit file and noticed i have been receiving late notations in spite of our agreement. I need Ally Financial to remove these lates from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting AcXXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Credit reporting or other personal consumer reports

| recently received a copy of my credit reports and found that TRANSUNION and XXXX are illegally reporting inaccurate, non compliant, and false information about me. TRANSUNION is reporting TWO accounts from XXXX that are reporting as collections, open and with balances. XXXX is reporting XXXX XXXX account. 

This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standard. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report. TRANSUNION is required to remove any information that is not true, accurate, COMPLIANT, and verifiable. I demand that these above mentioned derogatory items be permanently removed from my report.
Product: Payday loan, title loan, personal loan, or advance loan

Took out a very small XXXX loan from this company only to find out after that the fees charged are predatory and make it impossible to pay off a small amount. This company does not allow you to view your balance or fees through the online portal. This information should be transparent for the consumer and should not be hidden. I shouldn't have to jump through hoops to simply view my balance owed or how much of my monthly payments have been applied to principle. This company is running hidden and unfair practices.
Product: Money transfer, virtual currency, or money service

I have been trying to get in contact with Binance about the Binance.US exchange for 5 months now and I've lost over {$5000.00} because of them ignoring me. I have not been able to withdraw, exchange, purchase, send, or deposit anything. It's been 5 months with more than 9 attempts to contact them using their support service and I still have not received any response aside from an automatic confirmation that they received my complaint. The first time I contacted them about the issue I got an automatic reply giving me general answers on XX/XX/2021. They know I keep asking for help because now I'm getting messages saying my ticket was merged. It is XX/XX/XXXX now and still no response. My first request was XX/XX/XXXX, then XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, and yesterday on XX/XX/XXXX. All this and not a single response aside from auto replies. At this point all I want is to get all of my assets and my money out of Binance then I will delete that account and I will never use them again. I will also recommend that no other Americans ever use this exchange.
Product: Student loan

I graduated from college in 2013 and have been paying back my loans since then. I started out at around {$42000.00} for this loan and it has only gone down a couple thousand. I tried consolidating the loan, but it was broken up into XXXX different bills and I would get a separate bill in the mail for each. We had bills not arrive on time and when our payments were sent in it would n't read as paid and my dad and myself got docked hard on our credit. It 's now 3 years later and although the payments are easier to manage, it is still not going down due to the interest rates. Each of the XXXX loans have their own interest rate instead of having XXXX loan and XXXX rate. My federal student loan is down and I have only XXXX more till it 's paid off. I am still at around {$40000.00} for Navient, and I pay over {$600.00} a month. My husband is military and travels a lot and I have a physical illness and ca n't work long enough hours to keep up these payments. It would be one thing if I saw my balance due getting lower, but it seems as if it does n't move. I do n't know what more to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that do not belong to me. Please remove them immediately.
Product: Credit card or prepaid card

In XX/XX/2017 swiss company checked my credit report without my knowledge or authorization. They have an account listed on my credit file and I have asked them to validate the debt that is being reported in which they have not done.
Product: Credit reporting or other personal consumer reports

Account # : XXXX XXXX Date Opened : XX/XX/year> Re : Dispute of Inaccurate Information on Credit Report and Violation of Consumer Rights I am writing to express my extreme dissatisfaction with the ongoing inaccurate reporting on my credit report, despite having filed multiple disputes and complaints regarding this issue. I have repeatedly attempted to resolve this matter directly with XXXX XXXX and other parties involved, but it has become clear that my requests are being ignored and federal laws are being violated. Furthermore, Experian has continued to allow the incorrect information to remain on my credit report, which is damaging to my financial reputation. 

This letter serves as formal notice that if this matter is not resolved immediately, I will pursue legal action to protect my rights and ensure compliance with the laws designed to protect consumers like myself.
Product: Student loan

My loans have been canceled since XX/XX/year> yet mohela is still drafting monthly payments out of my bank account. I have messaged mohela and tried to remove bank info and autopay to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXX on several dates over the course of 3 years. This past month, I contacted them on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ; then, I contacted them on XXXX XXXX and XXXX to discuss the issue. I explained to them that my mortgage account is not on my credit file with Transunion. After speaking with Transunion, the representative informed me that XXXX XXXX XXXX XXXX will have to call them directly about my financials on my account and request a reincert. I explained this to them and they keep telling me it 's already reporting instead of trying to take care of the issue.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXXXXXX XXXX XXXX