23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on multiple occasions, filed a dispute with ChexSystems for XXXX ID XXXX due to identity theft. I disputed {$61000.00} reported by XXXX XXXX XXXX from XX/XX/XXXX, {$720.00} reported by XXXX XXXX from XX/XX/XXXX and {$290.00} reported by XXXX XXXX and XXXX on XX/XX/XXXX. These XXXX accounts were fraudulenty opened in my name and without my permission. in the case of the XXXX XXXX and XXXX, the account was opened in a name similar to mine, but with a different social security number and reports an address I have never lived at - XXXX XXXX XXXX XXXX, XXXX, TN XXXX. In support of this dispute, I submitted the FTC Identity Theft Report I filed, which clearly proves I am the victim of identity theft with regards to these three accounts. ChexSystems refuses to block and/or remove that information pursuant to the FCRA.
Product: Mortgage

I made a loan modification effective on XX/XX/2015. As part of the loan modification through FHA, I am suppose to get an incentive of {$1000.00} per year I was on time on loan payments. The cap was 5 years or {$5000.00}. It has been six years since my loan modification and I have not received the payment. As per my lender I needed to contact the Housing Authority HUD. I contacted HUD and nothing has been resolved.
Product: Credit card

Subject : Dispute of Unauthorized Charge by XXXX XXXXXXXX XXXX XXXX  Dear Sir/Madam, I am writing to formally dispute a charge of {$510.00} billed by XXXXXXXX XXXX XXXX XXXXXXXX. On XX/XX/year>, I attempted to rent a vehicle from XXXX at XXXX XXXX XXXX. However, the company refused to rent the vehicle to me and failed to provide any documentation regarding the rental. 

Despite not receiving any rental car services from XXXX, I was billed {$510.00}. I have since rented a vehicle from XXXX and can provide proof of this transaction. XXXX has sent me letters admitting that they can not process a refund due to issues within their internal system. 

I am requesting that the CFPB intervene in this matter and assist in securing a refund for the unauthorized charge. Enclosed are copies of the correspondence with XXXX, proof of the rental with XXXX, and any other relevant documentation. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file has been endangered. Again, I was going through my records & noticed many items which do not belong to me. Since Im eager for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. I already sent letters to BUREAUS to inform this issues on XX/XX/XXXX but no response until this day. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX : {$650.00} XXXX XXXX  XXXX XXXX Balance XXXX {$650.00} ; XXXX XXXX  XXXX XXXX Balance : {$2400.00} ;
Product: Money transfer, virtual currency, or money service

I sold two phones on XXXX and took payment through paypal from two different individuals In the amount of {$290.00} per phone i sold thus equaling {$580.00} on XX/XX/2024 And PayPal has my money on hold Until the item has been delivered to the buyer. So I did my job in complied with the hold. I uploaded tracking numbers for both phones From XXXX XXXX And they were both delivered the next day on XX/XX/2024 Now PayPal said in their policy. Did they would hold funds for 21 days if I did not do one of the following. 
Up updating the status of the shipment which I did that. I Uploaded the trucking. And it That With uploading the tracking information and once the item has been confirmed delivered to the buyer, the funds would be released within 24 hours. 
And they are refusing to let go of my funds and release the hold. So I can access it. For still 21 days even though it was delivered. The very next day my fun should've been released to me within XXXX XXXX after that. So I should've had access to my funds on XX/XX/XXXX. But here it is XX/XX/XXXX. And they are still refusing to release my funds to me whenever I need my funds immediately. But I was willing to comply on I did my job. They're not doing theirs. I do not think this is right or fair or even legal. I don't know all I know is that I need my money and they have it. On hold in, refuse to release it to me until almost the end of XXXX. Even though I've complied and they're policy states that it would be released within 24 hours after confirmed delivery. Please help me.
Product: Credit card

Every month I am charged a Purchase Fee on my credit card ; although I remit payments above the minimum. No one can explain to me either at the bank or customer service what this interest rate is for considering I havent used the card in months.
Product: Credit reporting or other personal consumer reports

I filed a Bankruptcy in XXXX  with the federal court in Georgia in XXXX. The bankruptcy was transferred onto my private consumer report immediately after from the three major credit bureaus that are private entities and not of government agencies : XXXX, XXXX, and Experian. The problem with this is they did not have permission from myself the consumer 15 usc 1681c identity theft nor did they have permission from the federal court 15 usc 1681 permissble purposes. On my consumer report it states the federal court reported this information, I will attach a letter from the federal court stating this misleading information and a LIE. The federal court has a system PACER ( Public Access to Court Records ) That anyone that pays a fee and established a username and password can access to see any public records of that of consumers. No entity has the legal right to transfer the information onto consumers report without the permission of the consumer and federal court. These bureaus have continuously violated my federal consumer right by adding this public record to my private consumer report. Furthermore, I have provided the proof that the federal court does not report bankruptcies on consumers report and the bureaus have failed to provide proof r that the reporting is legal. The CFPB has done nothing to support me as the consumer. They have only reached out to the reporting agencies and when the agencies have only validated that I have a bankruptcy but failed to validate the reporting of the bankruptcy is legally reported, the CFPB has then closed the case without proof. There has been no true justice served. The reporting of the bankruptcy has ruined my reputation and has hindered me from getting lines of credit and jobs in the past. If any creditor would like to know if I have a bankruptcy they can access the PACER system like the credit bureaus have done to view that Public report, this should not be viewed on my private consumer credit report and I am requesting all of the reporting bureaus to remove this bankruptcy immediately.
Product: Debt collection

I was sent a collection notice by Stuart-Lippman and Associates for a debt or over four years ago. I do not have any knowledge of these alleged debt. Furthermore I was a customer of the original creditor XXXX for years at the same time I was supposedly to have owed this alleged debt and was never notified by them. On XXXX/XXXX/XXXX I was notified by the above referenced collection agency that I owed {$270.00} with XXXX as the original creditor. I contacted XXXX to be informed that I was being charged for not reporting the sale of an automobile to them in XXXX of XXXX. I dispute this to the fullest measure. They allege That I did not make a payment and after two months canceled my policy. After all the cancelation fees were added up it was {$270.00}. Again I was a customer of XXXX for years and was never notified of this alleged debt. I was only notified after I canceled my policy with XXXX due to moving out of state.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is reporting multiple inaccuracies to Equifax. The date of delinquency is incorrect. The last payment date is incorrect. The debt was never validated but I paid it because I didn't want my credit to be affected. XXXX never provided me with detailed bill. They just put the collection account on my credit report. Filing complaint with CFPB as well and the Attorney General of FL. 


Equifax continues to allow them to report multiple inaccuracies without proper investigations. Equifax is also blocking me from receiving the results of disputes online and they do not mail out results. I have to call them to get results. I also requested my credit score over 30 days ago and have not received it. I plan to sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on XXXX and I was requesting my report from Equifax, when I did it, it said based on the information you provided, we are unable to verify your identity. They were asking for me to verify my identity by one of the three social security card, pay stub with social security card or W2 form. Also requesting to identify my address by either my drivers license, rental or lease agreement, pay stub with address, or utility bill. I am not comfortable with disclosing any of that with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a letter to Experian requesting the remove an unverified and fraudulent account. This negative information reported by XXXXXXXX XXXX XXXX XXXXXXXX in the file they maintain under my Social Security number stating I owe {$4300.00}. This is ridiculous.That was over a year ago and the account is still present. I requested copies of the information they used to verify the account and they simply stated the creditor verified the account with a number using e-oscar. Clear violation of the FCRA.

I would like Experian to verify and validate this information with XXXXXXXX XXXX XXXX XXXX and provide me with copies of the following : 1. Original contract 2. Payoff Disclosure 3. Date this alleged debt became payable 4. Complete accounting of alleged debt 5. Interest Rate Disclosure 6. Balance History 7. Payment History 8. Credit Insurance 9. Agreement with your client that grants you the authority to collect on this alleged debt 10. Verification that this debt was assigned or sold to collector 11. Commission for debt collector if collection efforts are successful Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. 

I do not consent to e-Oscar or any other means of automated verification. 

If you do not have this information, please block it from my credit report based on 15 U.S.C. 1681c-2.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I'm attaching my identification info.
Product: Money transfer, virtual currency, or money service

i complained to XXXX about this is and now there telling me to go to the bank sop for this reason this is not a duplicate complaint. 

On XX/XX/2021 there was XXXX fraudulent transactions, on my Associated Bank statement from XXXX to XXXX XXXX There was XXXX of the same transactions XX/XX/2021, there was XXXX charges that said XXXX XXXX XXXX XXXX XXXX XX/XX/2021 there was XXXX charge from XXXX XXXX XXXX XXXX XXXX XX/XX/2021 there was XXXX charge from XXXX XXXX XXXX XXXX There was XXXX charges total. All these charges were facilitated from his device by him. I am alleging that this was fraudulent and unauthorized by me. I am asking XXXX to investigate this as a a a part of this complaint on there part. It looks I am out all of the money to begin with, the grand total would be all of it because it was coming from both accounts he was facilitating. The information I'm going to send is, my written list of the charges, and statements that Associated Bank had printed out. That XXXX account was totally comprised, it is something XXXX XXXX created. If XXXX is not aware of this they need to be aware of it. 
XXXX response is attached and explains to contact associated bank for further investigation and XXXX works with associated bank. I did contact XXXX XXXX they reached out to XXXX XXXX he lied to them. I am attaching the police report upon getting your written response to the CFPD complaint I will be taking XXXX to civil and or small claims court.
Product: Mortgage

I left the country and moved to XXXX in XX/XX/XXXX. 

I visited the local TD branch and changed my address to my XXXX address to receive my monthly bills. 

I was unaware that my mortgage was being unpaid as I did not receive any of the mail. 
I have never been late in paying the mortgage or any bills at all in my life until this move, I'm unsure why my mail was still sent to my former address when I went to have it changed and explained my move at the branch. 

Late reports were listed on the Conventional Real Estate MortgageXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and Home Equity Loan XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

regarding account : XXXX account number XXXX***. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Attempted to dispute information on my Experian credit report. It has a fraudulent SSN ending in XXXX. The online service will not allow me to dispute it. I called 3 different numbers for them. XXXX, XXXX, and XXXX. When attempting to dispute this erroneous SSN their system said to call XXXX to better assist. This number only gives 2 options. One is to freeze your account ( which I did ), the other is to purchase a membership. It tells you about optional memberships you can purchase and does not even let you get any of the services. It tells you about them and then hangs up. Neither of them will get you to a person so there was no " better assistance ''. This SSN and anything in reference to it needs to be removed. 

There are also 3 hard inquiries that are from a XXXX XXXX  company that I had a credit card with over 4 years ago. This company is running my credit every year even though my account was closed in XXXX. They ran on XXXX, XXXX and XXXX. Experian will not let me dispute these either. They need to be removed. 

They also have my ex husband as my spouse and will not allow disputing it online and of course not by phone as mentioned above. He needs to be removed. We have been divorced since XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Unions regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

1 5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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. 1 681s-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 reasonable cause to believe that the information is inaccurate.
Product: Student loan

I was approved for Income Driven Repayment plan with a XXXX  a month base on my income and family size but now Im in school. While I was approved for IDR it shows that I was late which I was not because I had a XXXX monthly payment I always reinstate the plan before time so I wouldnt have problems or be late
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report. I noticed some charges made does not match my records and was not made by me. Please remove all accounts listed in this report from all 3 credit bureaus XXXX, Transunion and XXXX. The false information that's reporting on my credit report is affecting my ability to obtain credit.
Product: Checking or savings account

My paycheck was to be deposited in my account on Tuesday the XXXX  of XXXX  XXXX and still no paycheck deposit capital one bank
Product: Mortgage

My loan was transferred to Selene Finance in XXXX of XXXX. I filed bankruptcy in XXXX and my loan has been transferred to several servicers in the last XXXX  years. I had a modification in XXXX that I acquired legal fees that show on my payoff balance with the understanding that the fees would be paid on refinancing or if I ever provided them written consent to appy payments to that balance. In XXXX, XXXX had a different website/payment system and I was unable to view payment history or see where payments were applied. In XX/XX/XXXX they updated their site and I am now able to view payment history and see where payments were applied and found numerous discrepancies. XXXX sent me a payment history from their system as well and does not match the site. I have also found on numerous occasions they have applied part of my mortgage payment to previous legal fees that I did not authorize. I am now trying to refinance and these issues are causing me delays in declines with prospective mortgage companies. I have asked XXXX verbally and through writing to fix the errors and they are either non-responsive or take weeks to get back with me. I called last week with a XXXX party to verify mortgage and the customer service rep with XXXX was not cooperative and would not provide the needed information over the phone and stated they would have to have the request in writing. I have provided research to XXXX on the discrepancies and receive different feedback and info with every interaction with the company.
Product: Debt collection

Rent Debt LLc has been after me since XX/XX/XXXX but never disclosed that I was allowed to dispute. I did contact the company through mail twice but no response has been received as asked to verify that I have a contract with their company. I know many creditors send a spread sheet I am requesting a contract I signed with Rent Debt. I also called on XX/XX/XXXX to verify if the statue of limitations passed which they have XX/XX/XXXX and the date of the last payment. The company declined to answer those questions but did disclose I promised to pay in XX/XX/XXXX. I feel as a consumer these type of practices are unethical and wrong in general.
Product: Debt collection

This company is attempting to collect a debt that is not mine. This company has reported this false information to the credit bureau and it is on my my credit report. Also this company is not authorized to collect a debt in the state in which I reside.
Product: Money transfer, virtual currency, or money service

To whom it may concern. 

Id like to submit a formal complaint about Binance US, their customer service and the quality of their service in general. 
Ever since I created an account with Binance US approximately six months ago, I have encountered number off issues. Even though I went through all the required steps of verification, I would experience The issues with Binance system that would not allow me to purchase cryptocurrency, or sell cryptocurrency, or transfer the money from my checking account to USD wallet on Binance US, or it would not allow me to plug in my debit card. 
When I would write a message to customer service, it would take them days to respond. It would be weeks before they do anything. And they would ask me to email them very sensitive personal financial information even though I already submitted that information before, even though everything was verified by their system, even though I have already made purchases and money transfers before. But they would be asking to email them more information like banking statements for the last few months etc. And then they would say that they had to do that to white-list my account. I dont even know what that means. When I would ask them questions why my account still didnt work even though I went through all the proper notification steps, and why they are requesting more of the sensitive documents, they would not answer questions, and they would be kind of rude in their email response.