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

Hello, BinanceXXXX is a cryptocurrency exchange. I have attached a file with all of the information I could find on this company, including address, parent company name/info, etc. 

I have deposited {$1000.00} over several separate transactions and used the money to buy multiple cryptocurrencies. As of this email, I have over {$1800.00} based on the current trading prices. 
About a week ago, binanceXXXX locked my account with no real explanation. Any trade, deposit, or withdrawal transaction that I try generated an error that my trading is suspended ( screenshot attached ). I received an email with instructions to upload a video, a copy of my ID, and a bank statement in order to unlock the account. All of which I have done and since then any of my emails to the company are not returned. They have no phone number listed, no direct email to customer service, no way of talking to a real person. Everything is done through 3rd party customer service website by opening a service ticket. My ticket number with them is XXXX. 

At this point, I just want to be able to withdraw my money and close my account. If there is anything you can do to help me deal with this company and let me access my money, would be greatly appreciated. 

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

Attempted to freeze my credit, company was able to identify who I was when creating an account ( at which point they tried to sell me services ), but was unable to identify who I was when attempting to freeze my credit. 

Have attempted all reasonable methods of freezing my credit through them and they refuse to do so. 

This is the 3rd complaint submitted via the CFPB, the response I received from the company on my initial complaint about the inability to freeze my credit was to freeze my credit. 

The CFPB ( or, possibly Experian XXXX incorrectly flagged my 2nd complaint as a duplicate.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a letter from Experian notifying me that my personal information had been compromised due to a data breach. The letter detailed that unauthorized access had occurred, potentially exposing sensitive data such as names, addresses, Social Security numbers, and financial information. This incident raised significant concerns regarding identity theft and the security of my personal data.
Product: Debt collection

Ive tried to to contact for information & proof of debt and non payment history and have not been contacted back
Product: Debt collection

I tried to resolve the debt by dispute on my credit report. They sent me a letter from a lawyer stating that i owe this debt. I have no knowledge of this debt. Ive tried several times to get this done. The amount in the letter says i owe XXXX. But with late fees and other fees it came to XXXX. The original debtor is XXXX XXXX  i have been a victim of identity theft and by their action to report this item is hurting my credit score. I would like for this to be resolved soon because I want to purchase a home the first of the year. Please remove this item from my report as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX in the amount of {$9200.00}, XXXX XXXX in the amount {$1900.00} and XXXX in the amount of {$280.00} are the result of identity theft, and They are not belonging to me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer services 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 has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

To whom it may concern I am making a formal complain due to the inconsistencies and the stress trying to manage our student loans has been. I don't want to place blame on Mohela solely because this has to do with the Department of Education as well. I have found many helpful reps at mohela but at times many inaccuracies. 
I received a letter today XX/XX/year>, dated XX/XX/year> my account was placed in an mandatory administrative forbearance, due to my yearly IDR renewal. 
I renew my plan XX/XX/XXXX XXXX, approved XX/XX/year> and scheduled to begging on XX/XX/year>. 
I had a bill for XX/XX/year> ready to be paid, once I was placed on this administrative forbearance due to processing IDR my due bill disappeared. I can't make any payments and is too late to generate a bill. 
Once I called, I spoke to a supervisor who stated this forbearance will count for XXXX once the Department of Education applies the XXXX review. 
The Department of Education states is Mohela that needs to apply the forbearances. 
I called today, just to see what response I got and was told, she didn't know. She couldn't say if it was going to be applied for XXXX or XXXX. Could not give me a straight answer, and I can't even pay because there is no bill. I mean come on!! we are trying here. Please help us. Attached is the letter received and the bill with no payments due for XXXX. 
Also attached are picture of the new XXXX rules, were it states mandatory forberances placed by servicer count for XXXX. It should be stated in your website. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting an unverified account to two of my consumer credit reports XXXX and Equifax. I have requested that he information being reported is investigated properly with no avail except for a response of " verified ''. I have specifically asked in several documented and tracked letters for both companies to provide me with the avenues taken that gives them the legally right to report this account to my credit report and have yet to receive an appropriate answer. I have never received notification from said company verbally or written. I have also advised both companies that the electronic system used to supposedly verify items is not sufficient enough as anyone especially a third party paying for their service could easily fax, mail, or email over fraudulent information. It is my right according to the FCRA to have this properly and completely verified and my request to be taken seriously as it is my credit reputation and tarnishing of my good name that is at stake. Not to mention both companies as taken over the thirty days in which to respond to said disputes primarily their method of verification which only gives them 15 days to comply/respond to request. On these grounds alone I am requesting that this account be removed from my credit file.
Product: Debt collection

XX/XX/XXXX, I logged on to my credit reports to verify everything was correct and noticed information in all three credit reports of a XXXX XXXX of {$1300.00} opened in XX/XX/2018. A inquiry was made in XX/XX/2018. I also noticed an address that was new. Only showed up in the XXXX report as XXXX XXXX XXXX, XXXX, XXXX XXXX, OK, XXXX. I have already filed a complaint, letters, to all three credit agencies, as well as the FTC this week. I have filed with my local police force of this incident, as well. 
I have only contacted and notified the collection agency, Berlin-Wheeler Inc, of this incident so far.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Additionally their dispute resolution process was deceptive and unfair, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and regulation E. These activities have caused significant inconvenience and financial loss, and I seek the appropriate redress for these violations.
Product: Credit card

I have a very good credit score. I do not have late payments or delinquent accounts and make a decent salary. My credit card application was denied By Wells Fargo for 4 reasons. All 4 reasons had to do with Wells Fargo checking account, not my credit score or outstanding balances, income or delinquent accounts. I do not use Wells Fargo as my primary bank. They denied me due to balance history of the Wells Fargo checking account. No where on the application did it state that I had to have an existing checking or saving account with Wells Fargo. No where on the account did it state that Wells Fargo had to be my primary bank. They are discriminating against me because I do not use them as primary, not because of my credit history or worthiness or ability to repay. Once I received the denial letter in the mail I contacted the mail office. They turned it in for review. After 10 days they called me back and stated I was still denied based off the checking account I have with them. I told them I would file a report and they stated they would escalate my application to another level. My husband has a business checking with Wells Fargo and the tellers keep depositing the money into the regular checking instead of business. I do not have a paycheck that auto deposits into the account, nor do I have any bills on auto payment with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open auto loan with your company Bridgecrest that was opened a few years back. Unfortunately, in XXXX XXXX XXXX I was 30 days late. I have tried to ask for a goodwill letter based on the long-standing relationship I've had with Bridgcrest and the fact that I was in a tight financial situation, but I was not very successful with this request. I am hoping that by reaching out to someone of higher authority that you would be able to assist me with getting the late payment removed from my credit report as it is causing me extreme hardship. I do believe that customer service is limited as far as customer requests are concerned, and I know that they are only doing their job. I want to insert that paying late was not intentional and I have been current ever since and my credit report will show that. We are all human and sometimes have misfortune, and I am asking to be forgiven for this mishap. I have really enjoyed my relationship with Bridgecrest and would love to continue doing business. I hope that you can forgive my shortcomings and help me with this late payment removal. I really hope to hear a favorable outcome from Bridgecrest. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped almost 100 points because of a late payment. I contacted XXXX XXXX and made the payment right away. I made two disputes with Experian and nothing has been resolved. According to them Im still late in the payment and the payment hasnt been made
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft and have previously made reports to my local police, FTC, Transunion, XXXX, XXXX  and Creditors on XX/XX/2019. I have placed Fraud Alerts and Credit Freezes on my reports in the past, but my credit file has continued to be breached.
Product: Mortgage

I went for a loan from XXXX mortgage company, was underwriting for XXXX XXXX. I was unaware of all scams and tricks that were being done at the time, they seemed like trustworthy people. I later found out that my closing documents were forged and initals put in places for an adjustable rate that I never agreed to. My initial mortgage payment was XXXX dollars inc. taxes that went up to XXXX a month. They transferred my mortgage to several banks and finally ended up with Wells Fargo as a servicing company and XXXX XXXX XXXX XXXX XXXX as the creditor. I had this mortgage for ten years. The balance started out as XXXX now it 's more than XXXX and still going up. They notified me that they were going to foreclose on the property because they are unwilling to do a modification and balance reduction that is affordable. They promised me during XXXX that after the moratorium was over they would modify the loan. All empty promises. They have all phony foreged documents, robo signatures they are using to take my home from me, when they ca n't even prove they legally own the note let alone foreclose. pls help and investigate this pack of lies, and foreged documents intered into there mers system. They never even filed with the XXXX county clerks office they are the owners of the note. they ca n't produce the originals and hide behind lawyers who lie for them and employees that just signed lies for a living. sincerely XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following items to be inaccurate ; 1 Capitol One account number XXXX has multiple inaccuracies. 1. Across the XXXX bureaus the dates of last payments received are inaccurately reported ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX 2.Dates last active ( XXXX ) XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX  ) XX/XX/XXXX 3.XXXX  comments and acknowledges the debt as being discharged in bankruptcy. So the company has been reporting activity on a discharged debt. This is a validation of the Debt collection privacy act. By the provision of the Fair Credit reporting act I ask that this item be deleted. please reference 15 U.S. 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is in accurate. I understand that under 15 U.SC Sec 1681 you must complete this investigation with in 30 days.
Product: Consumer Loan

I applied for a loan with spring lead financial and borrowed XXXX they are including interest to the bureau that shows a balance of XXXX. No other credit company has even reported or included interest to a bureau. It 's not fair. It 's not accurate and it damages u when applying for a loan because the debt to loan income is not accurate which results n a denial from whom ur asking credit for. I have disputed this with bureaus and also they personal they reporting it 's correct well it 's not. I also have a loan with XXXX and few other XXXX they do n't include adding interest to a credit bureau .and the amt they said is correct on bureau do n't even match they automatic recording when u call. It 'd XXXX less than bureau reporting
Product: Mortgage

Quicken Loans QL Loan Number-XXXX Escrow mismanagement P & I : {$490.00} Taxes : under {$4000.00} annually Insurance : PREPAID!!! 


Despite all of the above, Quicken is insisting on a new updated payment of over {$1700.00}!!! 

They have had updated information from me since early XXXX. 

I have requested an escrow review 3 times and they refuse without giving me a ny adequate reason.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX was responsible for validating the records associated with this account but failed to do so. The requested information included : A copy of the agreement granting authority to collect on this alleged debt. 
A signed agreement where I explicitly agreed to pay the creditor. 
Details of any insurance claims filed by the creditor regarding this account. 
Documentation of any judgments obtained by the creditor related to this account. 
The name and address of the alleged creditor. 
The name associated with the alleged debtor. 
The alleged account number. 
The address on file for the alleged debtor. 
The total amount of the alleged debt. 
The date the alleged debt became payable. 
The date of the original charge-off or delinquency. 
XXXX that the debt was assigned or sold to the collector. 
A complete accounting of the alleged debt. 
Details of the commission the debt collector would earn if collection efforts succeeded. 
The method used to verify and validate this information. 
None of this information was provided, nor was an explanation given for the fraudulent account being listed on my Transuin report after subsequently being removed from my experian for fraud. Under 611 ( 15 U.S.C. 1681i ), which governs the treatment of inaccurate or unverifiable information, it is evident that my credit and consumer rights have been violated due to XXXXXXXX XXXX XXXX XXXX failure and negligence. 
This account has been under review for over XXXX years without proper validation in any instance. As such, this account must be deleted, and any association between XXXX XXXXXXXX XXXX  and my personal information must be removed, as the information is inaccurate, invalid, and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the I.C Systems as they continued to report and have for years. I am educating myself on consumer laws and have discovered many violations. I wrote I.C systems asking for a Debt Validation Letter they responded they could not provide me any information they could verify and they would not be reporting any further on my reports. I.C. systems is still being reporting on my report and being updated regularly. I have the letter I can provide for proof. 
Thank You for your time, XXXX XXXX
Product: Credit card or prepaid card

I disputed a fraudulent charge on my account. Wells Fargo did not respond or send notice about anything for over 30 days. They cancelled my card after they fought the charge being fraud. Once I had provided it was a fraudulent charge they removed the charge but closed my account with no notice. I was in the middle of grocery shopping and could not use my card. When I called, they said they would send me a new card. I have not received this new card for over a month now. 

Additionally, as I had not known my account was closed since Wells Fargo never advised, I deposited a balance transfer check into my checking account. The check bounced and instead of advising the account number changed they reported it as fraud and my bank restricted my bank account. This has caused me to take an exorbitant amount of time to go to the branch and resolve this issue created by Wells Fargo. 

I have effectively been punished for reporting a proven fraudulent charge on my account, which is a violation of Reg E and XXXX and/or XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/year> {$1100.00} EX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I need access to my credit report from equifax, XXXX and experian. I have been unable to access my credit report. 

It is my right to access my consumer report under the Privacy Act of 1974.
Product: Checking or savings account

Penfed Credit Union says we have a Premium Online Savings account. We never opened such an account. The Penfed statement says we owe {$14000.00} back in XXXX of XXXX. We reported another claim when Penfed withdrew ~ {$18000.00} from our account at XXXXXXXX XXXX, Connecticut in early-mid 2022. XXXX said this was an unauthorized withdrawal and credited our account. That account was closed due to this fraud. 

Please investigate ; we also received a collection notice from XXXX XXXX XXXX, their account # XXXX for this fraudulentloan. 

thanks XXXX, XXXX XXXX
Product: Debt collection

XXXX XXXX made false statements to XXXX court saying they served me with papers and never did. I did not know about a lawsuit for them and only found out by calling to check on my wife 's case because they did the same thing to her. I guess they have an issue with saying they served someone and did not. I went to court showed waited for the judge, their lawyer to the court was late. I let the court know and lawyer know this was in dispute with company over being a fraud account I was not served lawyer lied I was told they already were getting a default judgement.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$220.00} XXXX ( XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$1100.00} XXXX  XXXX Balance Owed : {$0.00} XXXX, XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX XXXX Balance Owed XXXX {$2400.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an alleged identity theft, not later than 4 business days after the date of receipt.