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

On XX/XX/XXXX, I used my checking account debit card ( ending in XXXX ) on the Binance.us website to transfer {$420.00} from my checking account to my Binance.us account ( Acct # XXXX ). Within a few hours, the transaction status on the Binance.us website changed from " Processing '' to " Failed, '' and my account balance on Binance.us did not reflect this deposit. However, on my checking account, I see the total amount of {$420.00} was deducted successfully with the description : " Withdrawal BUSINESS DEBIT / XXXX BINANCE.US XXXX NV Date XX/XX/XXXX XXXX XXXX  % % Card XXXX # XXXX. '' Knowing this was an error, I submitted a support ticket at https : //support.binance.us ( Support Ticket # XXXX ) on XX/XX/XXXX. Following my submission to Binance.us, I received an email confirmation stating my support ticket had been received. The email confirmation also said not to contact them again or open any additional support tickets as this may delay my request. 

On XX/XX/XXXX, I found a Binance support thread on XXXX called " Weekly Binance Support Thread. '' This thread seemed to be monitored by Binance staff, and some users were receiving limited support by posting their issues, so I posted my support ticket number and a brief description of my problem. Within a few hours, I received a response on that XXXX thread and an email from XXXX ( Bianace.us ) asking for additional information.

The email read : " Thanks for reaching out to Binance.US support. According to our records, this transaction indeed failed. I'll bring up the discrepancy with our payment processor. Could you please send screenshots of what you're seeing on your Binance.US account and your bank account? Once received, I'll have our payment processor settle the amount back to your account. '' I immediately replied to XXXX 's email with the requested information, attaching screenshots of my Binance.us account and my bank account showing the withdrawal transaction. 

To date, this issue is not resolved. My Binance.us account does not reflect my deposit of {$420.00}, although being withdrawn from my checking account. I have received no additional communication from Binance.us regarding my multiple support requests through various channels. 

As a resolution, I would either like my deposit returned to my original checking account or my deposit credited to my Binance.us account.
Product: Credit card or prepaid card

I closed my account with CB Indigo which also goes by the name of Genesis FS Card Services. CB Indigo had applied excessive over the limit fees to my account after the account was closed. They then fraudulently sold my account to a collection 's agency who attached themselves to my credit reporting agencies trying to collect a debt they are not entitled to. The collection 's agency will not be mentioned in this report because a complaint went out to them on or after XX/XX/XXXX. On XX/XX/XXXX their investigative findings ruled in my favor and any further attempts to collect the debt has been suspended with notifications going out to all of the three major credit bureaus to discontinue any further negative reporting. 

On XX/XX/XXXX I called CB Indigo aka genesis fs card to pay off my balance and close the account. The call taker ask why I wanted to close the account and I informed to her that a XXXX XXXX XXXX  line of credit was no longer beneficial to me. Furthermore, I told her that I had much higher credit limits on other accounts and that this account was never going to increase it's credit line. She said she understood and proceeded to look over my account. She stated the the balance was {$260.00}. I gave her my XXXX debit card info and processed the payment. She asked if there was anything else needed and I said no and we closed out the conversation. About a month later I received a notice indicating I had an outstanding balance. I called them and this time the call taker informed me that my account was over the {$300.00} limit. I informed her that the account had been paid in full and the account was closed effective XX/XX/XXXX. She then stated the payment was charged back to my account at which time I told her to hold on as I pulled up my bank statements form XXXX XXXX. I looked over the account and informed her that the payment was never charged back to my account and the payment was processed and cleared. She further looked over my account and stated a mistake had occurred on their end and she was going to correct the problem. She went on to say those were fee assessments. She then stated she removed the fees and informed me that account was paid in full, with a XXXX balance making the account whole. I thanked her and the conversation ended. In XX/XX/XXXX seven months later I received a letter from genesis fs card services stating that my account had been charged off due to an outstanding balance of {$280.00}. 

My bank statements clearly show the payment was received and processed. I reached out to CB Indigo several times to no avail. I have paid for a credit repair company to intervene as well. Still the results all have been the same. The credit repair company informed me to obtain a law firm to handle my case. I did that and the law firm informed me to contact CFPB. So, I have escalated this all the way to this Bureau for assistance. I have documents that will support all of what I stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

see attached. Alleged debt from XXXX, is being attempted to be collected from XXXX collections and now Maury Cobb attorney at law LLC XXXX Have no financial liability to NONE of these companies.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the incorrect address listed on my credit report. The address in questionXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXXis not, nor has it ever been, associated with me. I have previously submitted multiple requests, including XXXX separate submissions of the necessary documentation, to have this erroneous information removed from my credit file. 

For your reference, I have already provided : A copy of my valid government-issued ID A recent utility bill verifying my current address An FTC Identity Theft Report Additional supporting documents as needed Despite these submissions, this fraudulent address remains on my report, along with any potential accounts that may be falsely linked to it. I am requesting immediate action to : Remove the incorrect address ( XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX ) from my credit file. 
Investigate and delete any accounts linked to this address that are not legitimately mine. 
Send me written confirmation once the necessary corrections have been made. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputed information and correct inaccuracies within 30 days. Failure to comply may result in legal action to enforce my rights under federal law. 

Please confirm receipt of this dispute and provide a written response once the matter has been resolved. You may contact me via mail at my current address or by phone/email as listed above. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Money transfer, virtual currency, or money service

Ive had an account with Skrill for a few months with several debit and credit cards connected to my wallet in the app. The limits have always been {$5400.00} per card since I added them ( without any additional verification ). My account is also fully verified to unlimited. 

Today, Im waking up to all of my limits dramatically decreased for every card to {$52.00}. Only one card is verified and still shows the {$5400.00} limit. I called support and spoke to a supervisor XXXX, who was very condescending on the phone and unhelpful. 

She claims the reason for the low limits is that the cards are not verified, even after I explained multiple times the limits have always been at {$5400.00} for all cards without verification up until this point. It makes no sense why Skrill has decided to cut my limits down so drastically, especially when Ive handed over tons of personal information to verify the account and avoid this issue. 

There is no practical use case of Skrill for me at this moment with {$50.00} limits on my cards. Skrill needs to increase my limits back to the original {$5400.00} for all cards in my wallet currently and any card I add in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment history for Equifax & XXXX XXXX have two different information on my credit report. Equifax.com reflects I have no account from creditor " truliant '' however when I check my Equifax on XXXX XXXX it reflects I have a closed account with the creditor " truliant " and I missed a payment XX/XX/2020 which is incorrect and needs to be removed. Also there is a XXXX credit card showing a balance of {$1000.00} which was paid off over a month ago I am unsure why that is still reflecting
Product: Mortgage

Loan assistance was applied for, given required documents list to provide, 2 paystubs and budget sheet, this was all send within the 30 days and after receiving they closed the case for incomplete status saying they didnt get the docs, emails can be verified they were sent, i sent again and again asking for deferment from LoanCare/Lakeview servicing.
Product: Credit reporting

My Alabama state tax lien was paid and released in XXXX/XXXX -- Income Tax Year : XXXX Case : XXXX Lien : XXXX However, it 's still showing up on two of my credit reports ( Equifax and XXXX XXXX. The fact that it is still on my credit reports has caused me to be denied a loan and has also caused my XXXX score to drop significantly. Other than this tax lien, my credit is PERFECT. 
I disputed this a couple of years ago but each of the credit bureaus told me that it has to stay on my credit reports for 10 years! 
You should also know that I was n't even aware that I owed the state of Alabama DOR any money. I did n't even know there was a tax lien until I noticed it on my credit reports. Needless to say, I paid it as soon as I could. 
I have worked very hard to maintain my excellent credit rating and have been a law-abiding and attentive consumer. Yet because of a ridiculous rule, I have to suffer this " punishment ''? When is someone going to start looking at these types of situations and realize that they only hinder the consumer? The whole credit reporting system has been messed up for years. 
I have attached a letter from the Alabama DOR stating that it has been " paid and released ''. How can I get Equifax and XXXX to remove this negative item?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account that appears on my XXXX and XXXX credit file with SYNCB/BP multiple times. Each time they respond that the account is being reported accurately across multiple credit bureaus which is totally incorrect. Some details : XXXX I disputed I was never late on this account and they in turn Updated Paymt History, Modified Add'l Info, Scheduled Paymt, Last Activity, Acct History. 
XX/XX/23 I again disputed and they in turn Modified Add'l Info, Actual Paymt, Scheduled Paymt. 

I have since noticed the payment is being reported as Late 60 Days across a variety of sources and listed as Variable/Adjustable Rate in comments which is incorrect. Account type listed as " revolving '' on one and " charge card '' on another.

It is not my job as a consumer to find this companies errors. 

I have disputed this account multiple times with all three credit bureaus and they have failed in correcting the erroneous information. Since they continue to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, as a military service member I demand deletion of this account as this violates Fair Credit Reporting Act, FCRA section 611 and FCRA section 1681. Request your assistance in ensuring this action takes place. Thanks.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXXXXXX Balance : {$21000.00}
Product: Debt collection

Debt was previously paid until item was returned. Contract was with XXXX not Vancehuffman.
Product: Credit card

My current balance in my credit card is an overpayment of about {$36000.00}. I ask the company on XX/XX/XXXX to transfer the balance. When I checked on XX/XX/XXXX, nothing was done. 

The second person originally told me that it would take XXXX billing circles to send a check for the credit balance. I asked her if that was about 60 days and she said yes. When I mentioned that I would file a complaint with the cfpb, she made a phone call and said that it can be electronically transferred in 10 day. This is absurd and I ask that Bank of America be sanctioned with a monetary penalty for fraud. They can transfer my money to pay a bill in 1 day. Why not transfer an overpayment. 

In addition, they now tell me that I have negative rewards of XXXX due to the refund. I paid for a trip and made the trip with my family. Due to unsanitary conditions, my wife and XXXX other people that we know of got XXXX. The refund is due the problems that were incurred. Bank of America treats the repayment as negative rewards. This is also a fraud being perpetrated on her customers.
Product: Student loan

On XX/XX/year> XXXX ( referee ) was disbursed on a student loan refinance application in the amount of {$64000.00}. I submitted an application referred from a friend. SoFi advertised a {$500.00} referral bonus to the referrer and a {$300.00} bonus to the referee. I was on the phone with a SoFi customer service agent who stated that I had followed all of the correct steps and that we would receive the bonus. On XX/XX/year> I called SoFi back to see the status on the bonus as neither of us had received it yet. They stated that after 90 days if the loan was in good standing then we would receive the bonus and that everything was done correctly and we should be getting the bonus soon. All payments were made on time and the loan was in good standing after 90 days. I placed a call back to SoFi customer service to enquire when we would be receiving the bonus. SoFi stated that we were not eligible for receiving the bonus, claiming we didn't use the correct referral link. I challenged them on this knowing I used the exact referral link the original customer service agent told me to use and him saying quote " Yes, you have completed all the required referral actions needed. '' Also when I called on XXXX, they had stated that everything looked good on their end for us to receive our bonuses. Now, whenever I call back to SoFi to get answers they continue to transfer my call to different people saying hold on while we place you on hold to look into this. If someone does come back all they say is they can't do anything for me as the loan is signed and the bonus program is automated and they can't manually override any of it. I took a slightly higher rate loan to receive this bonus so am very upset I am not getting this bonus that was advertised.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving a critical issue regarding inaccuracies on my credit report, which have severely impacted my ability to purchase a home. I discovered that my student loan accounts are being reported with a " collection '' or " charged off '' status, despite my consistent good standing and compliance with all repayment obligations. This erroneous reporting violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g, as it fails to ensure the accuracy and integrity of the information being reported.

The emotional distress caused by this situation is profound, as the inaccurate reporting has obstructed my ability to achieve homeownership, a significant milestone in my life. I respectfully request that the CFPB investigate this matter promptly and work with the relevant credit reporting agencies and loan servicers to correct these inaccuracies and remove the erroneous information from my credit report.

Thank you for your time and attention to this matter.
Product: Mortgage

I was preapproved for a mortgage through Academy Mortgage for my new build home in XX/XX/2022, they were the preferred lender. I was given conditional approval and satisfied every requirement. I extended my lease where I was staying and was charged an additional XXXX XXXX monthly while I waited while my house was being built. The mortgage company contacted me 1 week prior to closing to tell me they could not make my loan work and was given additional requirements for the loan they wanted me to file XXXX taxes and give them the updated paper from the IRS. I then had to extend my lease 1 month more where I live and completed the requirements, obtaining a tax lawyer to take care of the tax issues. Although I had approval from a different lender, if I switched lenders, I would lose my earnest deposit, pay a {$110.00} fee a day, and lose my closing credit from choosing their lender. I stayed with the lender and was told today they added in a debt that belongs to my XXXX XXXX to my XXXX and no longer qualifies. My family 's lives have been turned upside down by this mortgage company and their negligence in the time frame and the way they handled my mortgage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from Academy Mortgage. Although I have asked repeatedly if this is race related as I felt through the whole process that they were actively working against me rather than trying to make my mortgage work. They have put me in an extremely uncomfortable situation as now I have to pull out of the contract from my family 's first home after we watch it being built over 6 months but I also don't have a place to stay because I was given false hope that they would complete my mortgage and I would be moving and have lost my rental because the deal with the owner was to rent to me until my home closed, now I have no home because Academy Mortgage did a XXXX XXXXXXXX XXXX with the way the handle my whole case.
Product: Debt collection

I had received a phone call from a collection agency of an outstanding bill from a property I use to live at, the debt collection company told me to contact the property company. The company claimed there were damages to the property totaling XXXX dollars after keeping a security deposit. I had requested the company provide proof of damages which they could not due stating they no longer had. I had told them with out proof of damages or the debt I can not pay the amount. The collection agency continues to call me despite not giving me proper proof, or even proper written notice as the company claimed.
Product: Checking or savings account

I have been trying to open a checking account in CHASE BANK for my daughter, and failed. 
We are green card holders and my daughter has only a TIN and doesn't have a SSN. 
After almost two months of back and forth ( in which the bank said they have a technical issue ) - since the first week of XX/XX/XXXX - the bank says now that this is a policy decision and that they do not allow green card holders to open an account if they don't have a SSN.

I know that even foreigners can open an account in the US with a TIN, and I think it is discriminatory for the bank not to allow my daughter to have an account just because she has a green card and a TIN and no SSN yet. 
The bank would not even speak to me anymore about this at this point.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to address a matter related to a financial hardship I experienced recently. Upon reviewing my credit report, I noticed that you have charged off items ; however, I have not received a 1099 for this particular transaction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Child support In light of this, I kindly request that you provide me with a 1099 for the charged-off item at your earliest convenience. Having accurate and complete financial documentation is crucial for my records, especially considering the challenges I've faced. 

Your prompt attention to this matter is greatly appreciated. I am eager to resolve this issue and ensure that all necessary documentation is in order. 

Thank you for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XX/XX/2022, I have made several contacts to Experian regarding incorrect reporting of personal information listed on my credit report. 

I have stated that the only name and address that should be showing on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, KY XXXX The following information needs to be permanently removed from my credit file. No other bureau is reporting these inaccuracies. I demand for these items to be removed immediately : Previous name/alias : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX