23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am highly upset and very stressed by the many times I have reached out to the credit reporting agencies to fix the issues on my consumer report letting them know these inaccurate items are not mines. I have been XXXX  and suffered so much pain due to these inaccurate items being on my report not being able to get basic living needs for me and my family. This a serious matter and threat to me and my family. I need these accounts that are not mines to be deleted from my credit report as soon as possible. I did my research on the laws and in section 1611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately delete them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my notarized letter attached I am demanding them to be deleted immediately or the reporting agency will force me to file for litigation due to the stress it has caused me. I am authorizing this investigation this is not a third party company.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : COMENITYBANK/HELZBERG XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax not letting me login b/c of thier breach has caused harm to me and family XXXX  i cant get loggin in account b/c of mixed file XXXX need to send credit report also equifax
Product: Student loan

My student loan servicer is Aidvantage. I was transferred to them this past calendar year after XXXX shut down. I recently received a notice in the mail on XX/XX/XXXX, XXXX that I was past due on my loan payments, even though the Department of Education XXXX to payment moratorium through XXXX of XXXX. Aidvantage is saying that I missed a payment on XX/XX/XXXX and now also owe a payment due on XX/XX/XXXX. When I reached out on XX/XX/XXXX, to inquire why this was, their response to me on XX/XX/XXXX was generic and not at all a possible solution or reason for the issue. I would like to know why Aidvantage is telling it's clients that they owe on loans if the federal government has paused all payments until the litigation through the Supreme Court is resolved. I have worked hard over many years to build my XXXX XXXX to an " excellent '' rating and these erroneous " missed payments '' notices from Aidvantage could ruin that. I am worried that many other people have received similar notices from Aidvantage and I would like the company to resolve this issue immediately.
Product: Bank account or service

I had called Capital One 360 about my savings account and they told me I had been approved for a checking account, which I wanted. I was told I had to go online into my account to finalize the approval and then was denied.
Product: Money transfer, virtual currency, or money service

Apparently, this company is insane. The exchanges below are absolutely circular and illogical. They went from saying it would cost me an amount in Bitcoin to fix the problem and me putting that amount into my account. They then said it would take " two weeks '' from XX/XX/XXXX to " retrieve my assets. '' Now, we return to the very beginning of this almost half a year nonsense to them scribbling the same gibberish they did at the beginning. It is almost like they are just making things up hoping that the problem will just go away. What happened to the two weeks to retrieve my assets. How can I financial institution operate this way? They stated to pay the Bitcoin and that they would return my assets in two weeks and now I get some regurgitated nonsense. See the exchange below for a further journey down the path of insanity. 


XX/XX/XXXX XXXX XXXX, BAM Trading Services Inc. d/b/a Binance.US ( " BAM Trading '' ) is in receipt of your complaint to the Consumer Financial Protection Bureau XXXX XXXX CFPB XXXX ). As you are aware, BAM Trading 's Customer Service representatives have been working with you to resolve the issue that you are experiencing with the recovery of your assets. Please continue to communicate with them and provide them with the information that they request. We regret any inconvenience that you have experienced. Thank you for your courtesy in this matter. Best regards, Complaints Team at BAM Trading XX/XX/XXXX XXXX XXXX, BAM Trading Services Inc. d/b/a Binance.US ( " BAM Trading '' ) is in receipt of your complaint to the Consumer Financial Protection Bureau XXXX XXXX CFPB XXXX ). As you are aware, BAM Trading 's Customer Service representatives have been working with you to resolve the issue that you are experiencing with the recovery of your assets. They have advised that approximately another two weeks will be necessary to retrieve your assets. Please continue to communicate with them and provide them with the information that they request. We regret any inconvenience that you have experienced. Thank you for your courtesy in this matter. Best regards, Complaints Team at BAM Trading XX/XX/XXXX Dear XXXX XXXX, BAM Trading Services Inc. d/b/a Binance.US ( " BAM Trading '' ) is in receipt of your complaint to the Consumer Financial Protection Bureau ( `` CFPB '' ). BAM Trading 's Customer Service representatives previously worked to address this matter with you. As explained, BAM Trading representatives can attempt to help you recover assets due to your error in sending assets to an incorrect address ; however, BAM Trading can not guarantee success in those recovery attempts. More information regarding BAM Trading policies regarding assets that a user incorrectly sends to an unintended address may be found at https : //support.binance.us/hc/en-us/articles/4404564207255-I-Sent-Assets-to-the-Wrong-Address-Can-I-Get-Them-Back-. We regret any inconvenience that you have experienced. Thank you for your courtesy in this matter. Best regards, Complaints Team at BAM Trading
Product: Mortgage

The company does not allow changes to be made to autopay of the mortgage online. I called and there is nobody available to remove these automatic payments. This is not the first time I have this problem and there has never been an explanation for why automatic recurring payments for mortgage can't be cancelled or modified online.
Product: Vehicle loan or lease

On Friday XX/XX/XXXX at XXXX, I received an unsolicited text message from Skopos Financial who is my auto lender regarding make a payment today and we will waive up to XXXX in fee 's. Currently my account has approximately XXXX in fees that would qualify for this program. I called the company to advise them about the text message and they said yes it is a valid promotion if you make a payment today with us we will waive up to XXXX in fee 's. 

This was outstanding news because they will be receiving my payment today in the mail that my bank 's bill pay service sent them. 

After two phone calls, with two different representatives, ( XXXX and XXXX ), I advised them about my payment, gave them the check number, even validated that the check was withdrawn from my account on Friday XX/XX/XXXX. They would not honor their promotion. Every time it was something different. 

The total amount I would have benefited from the promotion would be {$310.00} which is broken down below. 

Late Charges XXXX Other Charges XXXX
Product: Credit reporting or other personal consumer reports

I sent the attached letter to XXXX. I also called to try to resolve these two issues. Issue # 1 : When COVID-19 forced the closing of my employer in XX/XX/XXXX, I called immediately to discuss options. I was not late then, but I asked what I could do in light of what was happening. The representative was kind. Attached is documentation that 1 ) shows the late payments on my credit report, 2 ) shows my employer was closed, 3 ) shows I acted within the bounds of the CARES Act during COVID-19 by calling, and 4 ) shows payments.Issue # 2 : After this payment arrangement above, and before this issue above, I never missed a payment. In XXXX of XXXX, without warning, when XXXX had been auto-deducting payments monthly, they stopped. I had no idea, until I received an alert from my app XXXX XXXX which told me I had a late payment. I called immediately, and they would not remove it. The money was sitting in my account the entire time and it was never withdrawn. I asked them to please resume the payments as they had been, and that I wanted it in writing that these payments would be withdrawn consistently with no break. They agreed. This should be removed from my credit report as this was their mistake.
Product: Credit reporting, credit repair services, 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.

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. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX  XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX, MI XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also , this bankruptcy file date is wrong and this bankruptcy are out of statute for reporting on a credit report. And it should no longer be reported because it is past the 5 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it. 
Bankruptcy XXXX XXXX-discharged Reference number : XXXX Filed on XX/XX/XXXX Court : US BKPT CT MI XXXX Bankruptcy : Discharged XXXX Reference number : XXXX Filed on XX/XX/XXXX Court : US DIST CT XXXX XXXX bankruptcy discharged Reference number : XXXX Filed on XX/XX/XXXX Court : U.S. Bankruptcy Court
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY. 

XXXX XXXX  Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX  XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Inquiry Type : Auto Financing XXXX XXXX XXXX  Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Auto Financing ( XXXX ) XXXX Inquiry Type : Automobile Dealers, New XXXX XXXX XXXX Inquiry Date Remova Date Type Phone Number XXXX XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete and remove off my credit asap
Product: Credit reporting, credit repair services, or other personal consumer reports

CB/VICSCRT is reporting a few 30 day late 's on my credit file. Due to unforeseen circumstances surrounding the pandemic I was severely impacted financially. This was truly out of my hands as my hours were cut and I was unable to find another source of income. I am asking that you please remove this late from my credit file as it has has a big impact on my scores .I also paid this as soon as possible trying to avoid this late notation on my credit. As a long time customer I am asking for this one time courtesy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called XXXX when I was having difficulties obtaining a new car when I was stuck in XXXX, XXXX. Based on what I had been told in early XXXX, when I was on the phone, the representative told me after she had removed the incorrect addresses that my credit score would be XXXX. To my embarrassment at the car dealership, they showed me that the credit score was affected by a charge off from when my daughter had used my credit card and the amount was PAID IN FULL by me by negotiable instrument and remittance coupon with MONEY ORDER tendered by me to XXXX XXXX  over XXXX years ago! I had no idea that the interest was still running. According to the rules of the statutes when tender is delivered, interest and late charges must stop! XXXX had still not removed it and neither did XXXX have my permission to share my private information to any third party. When in XXXX of this year, after being turned down by a few banks for financing due to that erroneous income as charge off or discharge would be considered income by the IRS, that should not even be on there. So, I did write to XXXX and I do believe that I am having retaliation based on me opting out of negative adverse reporting and asking for those harmful adverse information of my private information being shared to the public. I received XXXX letters of adverse action which goes agains HJR 192 & Public Law 73-10 as well as title 18, 8, the law also states that Credit Reporting Agencies do not have authority to report as they are not government but they could be construed as financial institutions in commerce using credit data as money. They make a profit with data sharing. 
Citibank on the phone let me know that XXXX called Citibank and " ordered them to reduce my credit limit from XXXX down to XXXX. '' ( I believe that is a code ) and I have received all of the credit reporting agencies with the same notice along with the car dealership letting me know of the lowered credit score and adverse action. 

These are damaging against my person and harming me. I opt out of negative reporting as it goes against " the privacy act ''. I believe I am being cyberbullied with my credit report as it has harmed me and I could not get a car and had to stay in hotel rooms until my car could be repaired and it took me about XXXX weeks to get home. 

These credit agencies are being paid by the companies and this is a XXXX violation of racketeering against my " full faith and credit '' .I demand that my score be restored to the highest score and all negative inquiries about my personal business be removed as it is harmful for the economy and all of these companies are being paid in full with negotiable instruments or they are using my credits open ended account and benefiting from the Racketeering scheme that they charge for companies to acquire information and I also would like proof that they also pay companies to report to them so that the people will have to pay higher interest rates or be turned down for credit when no one should be turned down based on title 18, 8 and HJR 192, public law 73-10.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a brigit account and I have 5 derogatory marks in the collection catagories and I want to get rid of them but I need help!!!
Product: Money transfer, virtual currency, or money service

My email was used to set up a chime account. I called them and told them money was being sent to someone. And that I did not set up a chime account. I was assured it would be fixed and my email would be removed. 
I am getting another email that another account is being set up under my XXXX. so they have not fixed this issue. I do not want to be responsible for paying back money I did not transfer. 
I can not believe this company does not verify emails belonging to people
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/2023 Amount {$710.00} Collection Agency ( XXXX  ) for ( XXXX  XXXX ) I paid this debt in full. I never got a reciept from the company, stating I paid in full, I had to call and ask for paid in full document. I consistenly asked XXXX  XXXX and XXXX to remove it off my credit report and its a cat and mouse were collection agency is saying XXXX XXXX has to do it and visversa. I'm getting nowhere please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiry found in My credit report
Product: Credit card

TD Bank ( XXXX fXXXX ) designed this online payment system XXXX XXXX XXXX XXXX XXXX XXXX XXXX doing its best effort to keep every " purchase credit plans '' on the accounts as long as possible with well-designed payment allocation algorithm which leads to revolving and never ending interest charges to its consumer customers. 

==details=== ================ PROBLEM XXXX XXXX Plan # XXXX has been credited from a returned merchandise in XX/XX/XXXX. The statement listed a credit of - {$1100.00} on statement XX/XX/XXXX page XXXX but still have remained on the account ever since, which resulting the past payement not applying towards the correct plans ( # XXXX, # XXXX, etc ) and therefore had incorrectly accured interests of at least {$670.00} + XXXX by far as of the end of XX/XX/XXXX. 

Request # XXXX - asked TD Bank to correct and reverse the charge of plan # XXXX from XX/XX/XXXX and remove that from the account. this should issue my account with a credit of {$1200.00}. 

Request # XXXX - asked TD Bank to reverse the accured interested charge of following : Plan # XXXX ( # XXXX ), for {$330.00} ( XX/XX/XXXX ), and Plan # XXXX ( # XXXX ), for {$330.00} ( XX/XX/XXXX ) TD Bank refused to assist further. refused to open statements and transaction history over 12 months. refuse to solving the issue. 

=============== PROBLEM # XXXX credit plan # XXXX was a {$1.00} transaction made on XX/XX/XXXX additional XXXX warranty plan or sort. this {$1.00} transaction has been kept on the account for 18 months and start recurring rolling interest charge. I have never default or behind on any payment. My account has been paid on time and above minimum payment ever since I started new account with XXXX XXXX XXXX XXXXD Bank retail ). 

=============== PROBLEM # XXXX Customer service lines are not readily available enough for public consumers. Calling in is the only way of customer service contact, but it's very difficult to get someone online answering the call. typical calls would keep you wait for 30~60 mins to get someone answering the calls.

Customer service line manager would not come to the phone to customer. Customer service line do not make outbound calls. they do not call you back if they hang up on you. 

=============== PROBLEM # XXXX The " CREDIT PLAN Number '' are not consistent and very confusing. they could change from one bill to another. just so the customers could not find a clue of what's really going on. 

=============== PROBLEM # XXXX confusing online branding and identity, with very confusing customer service points of contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX and I recently got a denial letter from a Property Management company I applied with. After obtaining a copy of my credit report, I discovered some major issues that need to be addressed. 

I found one account and several inquiries that I'm not familiar with. 

I need EXPERIAN to fix this inaccurate and unverified information immediately. I have been denied numerous credit based oppurtunities due to this erroneous information. Two property management companies have declined my application for a place to reside. Please don't leave it this way, I need your help! I have explained to EXPERIAN numerous times this account is definitely NOT mine. The above account should not be reporting on my credit profile. 

This is a FCRA Violation and this account needs to be deleted immediately. I will be forced to seek Legal counsel if this matter is not resolved promptly. I thank you for your time.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete XXXX  XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXX. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX