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

On XX/XX/2021, at approximately XXXX EST, I initiated a wire transfer of {$5000.00} to my Binance.US account to begin crypto investing. Binance.US issued to me the following information to affect the wire transfer from my bank : Recipient Name : XXXX XXXX, XXXX Recipient Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX Routing Number : XXXX Account Number : XXXX Bank Name : XXXX XXXX Bank Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Reference Code : XXXX REFERENCE CODE MUST BE INCLUDED IN ORDER FOR YOUR DEPOSIT TO REACH YOUR WALLET The above information was accurately provided to my bank, XXXX XXXX, and the wire transfer was processed immediately at XXXX EST, XXXX XXXX, and I was provided the following receipt/tracking information by my bank, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX TRN # XXXX XXXX  # XXXX Fed Ref # XXXX XXXX XXXX XXXX XXXX XXXXXXXX As of today, XX/XX/2021, Binance.US and their help desk ( XXXXXXXX  ) have NOT provided any information regarding why the wire transfer has not processed nor yet been deposited to my account. I am only given the repetitive boxed answer, that they are working on it, and I am asked repeatedly for the tracking and ID information again and again. As bizarre as it sounded, I complied when they recently asked me to provide a short selfie-video of me, showing my face, with my identifications and recent bank statement. That was last Friday morning, I provided it, and still no update or answer from them as to where my wire transfer deposit is. 
I am convinced there is some very nefarious activities going on with Binance.US and their partners. After some Internet research I found numerous chat rooms filled with similar events as mine with numerous victims to the same wire transfer M.I.A. scenario, i.e., https : XXXX. It has been happening to hundreds and hundreds of people, and many with six-figure amounts missing! 
Binance.US, their reaction to this seems suspicious, but again, XXXX is my only contact as their official help desk. After I complained excessively, and threatened going to authorities, Binance restricted my account so that I can not do ACH deposits or withdraw my money they already have in my account there. 
I ask that a full investigation of Binance.US and their partners, i.e., XXXX XXXX, XXXX XXXX XXXX, and even their help desk, XXXX be initiated. The hope is that we can rectify the situation with my lost deposit and stop the activity from continuing with others. I also expect Binance.US to assist me in immediately withdrawing all my funds they currently are holding XXXX at no fee or cost. My losses due to their unscrupulous business dealings is already in the many thousands.
Product: Mortgage

We refinanced our home loan in XXXX. We did a no escrow loan and paid our insurance and taxes in full when due. In XX/XX/XXXX we paid our flood insurance in full in the amount of {$700.00}. In XX/XX/XXXX our insurance company received a check from the mortgage company for the flood insurance. Since the policy was paid in full a refund check was sent to the mortgage company which they never cashed. They notified us in XX/XX/XXXX that they were putting escrow on the account for the flood insurance and that our payment would increase in XX/XX/XXXX. We notified they and they acknowledged that this was a non escrow loan and that the escrow amount would be removed. In XX/XX/XXXX I received my XXXX statement with the escrow amount on it and the payment increased. We had our insurance company issue another refund check which was sent to them on XX/XX/XXXX. On XX/XX/XXXX they returned the check. I had another check sent on XX/XX/XXXX. The company is refusing the refund to force escrow on a no escrow loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from my Credit card company that a new inquiry was made. After looking it up I discovered that a Credit Card inquiry had come in, a hard inquiry which was not initiated by me. It was a fraudulent attempt to use my credit. After a great deal of effort I was able to stop the card and the bank XXXX XXXX XXXX XXXXXXXX XXXX said the card was stopped and that the hard inquiry would drop off after 2-3 months. This occurred on XX/XX/2022. Nothing has been removed on this inquiry and still appears on my Experian credit report.
Product: Checking or savings account

several people made cash deposits in well-fargo establishments, they elegant that these transactions are fraudulent and closed the account, now I can not withdraw the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account has violated my rights.

15USC 1681 SECTION 602 STATES, I HAVE THE RIGHT TO PRIVACY.

15USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15USC 1666 B : A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX
Product: Vehicle loan or lease

Capital One has not forwarded me the title to my Vehicle. Vehicle was paid in full at the dealership. A right of rescission was served on Capital One by USPS certified mail. Property was retained under 15 USC 1635 ( 20 ) days after recession notice was received by Capital One. Capital One is required to release lien on said property for the failure to retain property under the time frame allowed in subsection 15 USC 1635. Capital One is also required to refund the down payment of {$4000.00} and trade value of the vehicle that was delivered at the time of the transaction.
Product: Prepaid card

A prepaid Paypal XXXX. I tried to activate it and it asked me to call ( XXXX ) XXXX when I called this number they said they were unable to activate the card, link the card to my Paypal account, give me a refund he told me he worked in a call center in the XXXX. This card goes to XXXX. XXXX card was offered to me once when I went to a check cashing to cash a check. When trying to cash a check they asked me to register with that location so I could cash checks I gave them my social security number name address and they also registered me for a XXXX I refused the XXXX put charges to a card I refused and to this day I'm in their system. I need XXXX to clear this up and remove me from their system. I never used XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX2022 I sent this company a letter requesting for the method of verification that they used to check the accuracy of the things on my credit report but its been over a month now they still haven't provided me the information. They would just ignore it as if they didn't see it. This time I want CFPB to have a record of this letter and complaint about the company 's negligence for I might use them in the near future.
Product: Checking or savings account

XX/XX/XXXX I issued a check, check XXXX, to myself for owner pay. I I pay myself bi-weekly. 
XX/XX/XXXX I deposited check XXXX into my personal account via the XXXX XXXX mobile app. Ive attached a copy of that check to this statement. 
XX/XX/XXXX Upon trying to reconcile my business bank account, I noticed my balance was negative. I immediately called the customer service reps at US Bank and asked them to look it my account. I noticed the check XXXX was debited from my account a second time on XX/XX/XXXX. I didnt authorize this. The reps at US Bank looked into this and reversed the transaction, along with the fees associated with my account going into the negative. 
XX/XX/XXXX XXXX bank sent my check back, because they said it had been deposited twice. They did a review and on XX/XX/XXXX they determined there had not been an error in my account. XXXX unsure where the check was sent back to, because I wasnt alerted by US Bank that I had a return check. 
XX/XX/XXXX I called US Bank and asked them to investigate that 2nd debit again that occurred on XX/XX/XXXX. 
That is when the banker noticed there was a 2nd signature on the original check, that didnt belong to me. It was also a name that I didnt recognize. The check was originally made out to me. I am the only authorized person on this account. 


XX/XX/XXXX - I got a letter from US bank stating that my claim had been approved. I disputed the claim because US Bank recouped the funds from the wrong bank. US bank alerted my XXXX account. They never tracked down where the XX/XX/XXXX transaction was deposited. 

After contacting US Bank several times during XXXX, XXXX and XXXX to ask them to please reopen my case because they recouped the funds from the wrong bank, they denied my request on XX/XX/XXXX. They told me they denied my request because I didn't discard my check. This would be understandable if they didn't already alert one bank. What's different now? US Bank should do the right thing and alert the bank where the 2nd, unauthorized transaction took place.
Product: Consumer Loan

I have been working for more than XXXX to have an account that has aged out be taken off my credit report. The credit bureaus seem to keep me in dispute without actually doing any investigation on its own and just taking this company 's word even when I show that it is wrong. They say they can not look back to see when a company reports an account delinquent. This account from Santander/Drive Financial has been on my report since with the first delinquency being reported in XXXX XXXX ( after I lost my job ) However, they now show a delinquent date of XXXX and have farmed the account to a collection agency ( XXXX ) which tells me that because they now have the account the clock starts over for that account. I have been told by both the credit bureau representatives that there is no such thing as a " consumer disclosure file which contains a comprehensive history of your credit information under FCRA Section 609 ( a ) ( 1 ). Please help me stop this company from circumventing the law for their gain, at the expense of the consumer. XXXX XXXX
Product: Credit card

I purchased an airline ticket from XXXX to XXXX on XXXX on XX/XX/year> on my US Bank Visa card, on XX/XX/year> I was charged a foreign transaction fee of {$100.00}. 
I contacted US Bank and was told the transaction fee was accurate. On XXXX website it says " No foreign transaction fees, see prices and pay in your local currency, including US dollars, XXXX dollars, XXXX  and XXXX XXXX This means no foreign transaction fees when you pay with your credit or debit card ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent a number of letters to get these inaccurate information corrected The Credit bureaus stated that XXXX : Account # : XXXXXXXX XXXX XXXX  : Account # : XXXX, XXXX : Account # XXXX XXXX, XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, DEPTEDXXXX : Account # : XXXX, XXXX : Account # : XXXX, XXXX : Account # : XXXX, XXXX XXXX XXXX XXXX  Account # : XXXX was properly investigated and verified but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This is grounds for removal. They also violate my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I havent given these accounts written permission to furnish these accounts on my credit report.
Product: Credit card or prepaid card

There is a XXXX credit card that is showing up on my credit report that I did not open or had no knowledge of.
Product: Credit reporting or other personal consumer reports

My account withDEPT EDXXXX, XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 



XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

According to the latest law suit Navy Federal should owe me monies due to illegal overdraft fees. I have yet to receive those fees. When calling the bank they simply tell me a letter will be sent to which nothing has still been sent. We as customers are getting the run around.
Product: Debt collection

I originally owed XXXX over XXXX dollars for a wireless phone acct. I was called by Diversified Consultants and offered a settlement in the amount of XXXX to be paid over 6 months. I fulfilled XXXX of the settlement amt. Before the last two payments could be automatically drafted from my checking acct, XXXX recalled the acct from DCI and it was placed with another collection agency again demanding a new settlement arrangement. I was told by DCI that they originally knew that their arrangement would not be allowed to be played out since all of the accts get recalled at month 5, so if someone makes a 6 month payment arrangment on a settlement amt then the arrangement will never be fulfilled since the acct will be recalled prior to the arrangments being satisfied in full. This sounds like fraudulent and deceptive practices on the part of the collection agency and the original creditor XXXX.
Product: Credit card or prepaid card

CFPB Ref No : XXXX Ref : XXXX Account Ending in XXXX Unfortunately the CFPB platform does not allow to send a resply message. I received your response but you could have attached a phone number so I could contact you directly. 

I understand you have given me the money on goodwill basis but I didnt ask for goodwill money. I wanted to have the money coming out from XXXX XXXX pocket and not from AMEX pocket. 

That brings me to the next point which is you mentioned It is important to note that although credit was issued, your dispute was handled correctly according to all applicable consumer credit laws and policies. Unfortunately the dispute was not handled correctly. The dispute went to merchants favor based on law of torts. But the dispute was based on contract law and not law of torts. 

Do you have ACTUAL lawyers working in your back end disputes department? Doesnt look like it. 

Anyway, the reason for this new complaint is NOT TO LODGE COMPLAINT but basically to get a phone number I can talk to about the previous complaint. I had no other means to contact you. Because your regular front line customer care number, they dont know nothing about it. They always say its handled by some back end team ( who I guess are scared to come front or just not bothered to talk to the customer directly ). I wish they spoke to me, then I could teach them the difference between tort law, consumer law and contract law.
Product: Mortgage

I am filing an official complaint regarding Planet Home Lending , LLC | NMLS IDXXXX, regarding the refusal of returning an unauthorized withdrawal from my checking account. 

Friday, XX/XX/XXXX, XXXXPlanet Home Lending withdrew two payments for {$2400.00}. 
- My wife called Planet Home Lending, and they asked for a wire transfer form and bank statement to show proof. My wife and I worked to get this to Planet Home Lending and submitted documents the same day. 

Monday, XXXX XXXX XXXX XXXX the manager, expressed that she received all documentation and will submit to having the money transferred within 1 to 3 days. Per XXXX, " She will call back today or tomorrow latest to confirm. '' Tuesday, XXXX XXXX XXXX never called back, my wife called, and Planet Home Lending and the representative stated, " XXXX said, everything was submitted, and I have to wait up to three days to get money back. '' Friday, XX/XX/XXXX, No money was received. My wife called back. The Planet Home Lending representative said XXXX was in training, but she confirmed that she submitted everything on Thursday, XX/XX/XXXX. Also, the funds should be there within three business days. 

Tuesday, XXXX XXXX I called again to XXXX XXXX and she said she submitted everything on her end, and for sure, it will be there by tomorrow. 

Wednesday, XXXX XXXX-No money was received. Continued to wait. 

Friday, XX/XX/XXXX, my wife called and spoke with XXXX, Manager XXXX XXXX XXXX. He was incredibly insensitive to the matter. My wife told him that she has bills due and she needs HER money. She told him that she would be left to scramble over the weekend. XXXX XXXX, " I don't know what to say to you. I have completed the paperwork. You are just going to have to SCRAMBLE. " Monday, XX/XX/XXXX, I checked my bank account. No pending wire transfer. Called XXXX, he stated that he completed the paper, and the wire will be transferred within the next 1-3 business days. I asked XXXX for a confirmation number of the wire transfer number, and he said he does not have it. I asked to be transferred to his supervisor, and he said, " No, I have taken care of it. The buck stops with me. There is no one higher than me regarding this situation ''. I asked again to be transferred to his supervisor, and he said no. I then requested eight more times, and he said no, and the phone disconnected. 

I still do not have my money, and I am still scrambling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experience credit reporting agency has refused to remove incorrect address information from my credit report after several contact attempts. Have provided them documentation that included my identification and utility bill with correct address on it. I attempting to remove this information to help reduce the chances of fraudulent activity on my credit report.