23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I closed my Citicard account 2 months ago. At that time, I paid the bill off in full. When I called Citi, I got a final amount of all charges, which I paid. I closed 2 other credit cards at that time, paid them off in full with the help of a loan from my parents, and I am now on the XXXX XXXX plan -- not using any credit cards, and paying off the debt amount to my parents at a lower interest rate. 

Citi did not close the account ; they charged me an additional XXXX cents - yes, less than a dollar -- for interest. 

Now, they are billing me for {$82.00} -- the XXXX cents, plus 2 billing late fees. I called them, and they will not waive the late fees. 

I am happy to pay the XXXX cents to Citi. I will not contest that despite the fact that the amount I paid was supposed to be final. But I refuse to pay the {$82.00} in late fees. 

Do I have any recourse? This is extortion.
Product: Money transfer, virtual currency, or money service

I used INSTAREM to send money from my XXXX XXXX  Account to my XXXX XXXX  Account. 

I believe I gave all and answered all the requirements needed for me to do so. 

However, INSTAREM cancelled my transactions and blocked my account without warning or reaching out to me. 

The only explanation given is due to internal regulatory policies that can not be disclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, XXXX XXXX sections XXXX I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. XXXX XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX,
Product: Debt collection

XXXX XXXX, I scheduled to have an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the procedure was scheduled for XX/XX/XXXX. Due to XXXX XXXX, the XXXX never took place. I am still being pursued by the company XXXX XXXX through a debt collector XXXXobinson, Hoover & XXXX PLLC regarding this bill. I have spoken to XXXX XXXX  regarding this account, but since they have changed staff, the only response I get is to pay the bill, even though it is not owed. I am not sure who, or whom I need to contact regarding this, certainly not the collection agency that is constantly contacting me and my family and friends. Not only are they ruining my credibility but they are a nuisance. HELP! This is in reference to account XXXX through the collection agency
Product: Credit card or prepaid card

An unknown person with an telephone # beginning in XXXX called in to XXXX   last week trying to breach my account. Netspend/XXXX  put my acct onhold. I called in several times this week XX/XX/XXXX thru XX/XX/XXXX. 
XX/XX/XXXX I was not able to get thru to anyone on several attemptd, in which i can get phone records and recordings for calls. TuesdayXX/XX/XXXX..I spoke w/ reps " XXXX Bagde # XXXX and XXXX # XXXX i WAS N 2 SEPERATE CALLS EACH FOR AN HOUR AND then they hang up while i was on hold ... THEY CLOSE at 4 my time ... the 2nd call w/XXXX  adv me she needed to call mycell phone while i was aqt work to verifyits me ... so I left my job to accomodate ... she sed she will call in 4-10 min and never did at which that 10 min mark was whn they closed. XX/XX/XXXX i start again in the morning calling on hold another hour, the woman on the phone advised ne they are gon na have to close myaccount and send a check to address on file. I advised the woman on the phone that im in the middle of moving and that address is not good and i would like to find a diffrent solution and asked for a supervisor ... .she put me on hold where i was for 10additional minutes to only have her end the call. I had taken so much work Time iff During the 2 days ... I couldnt take more time and call back .. XX/XX/XXXX I believe the rep from the previous day closed myaccount ... as today they had a hard time finding my account ... so today my 1st rep was XXXX badge # XXXX ... i ASKED IF HE KNEW WHO THE4 CFPB WAS HE SAID he had no idea ... adv will be making comoplaint today so ineed to make sure we tryn to handle my call a little better today ... he transfers me to supervisor XXXX badge number XXXX THIS IS ABOUT 20min into call ... he places me on hold after advising me neither does he know who cfpb is..he states i need to speak to fraud dept now ... they left me on hold for an hour and 36 min until they closed and call just went dead ... They have XXXX of my money and cant touch it or talk to anyonte about it ... i BELIEVE THIS IS THEFT. I NEED HELP
Product: Debt collection

Contacted the company numerous times. Last contact was XX/XX/19 @ XXXX XXXX. I was told they were " working " on it. This debt is not owed by me and i have no knowledge of it. I asked for an explanation of the debt and i was told it was " for an ambulance ". Well that doesn't exactly help. I asked for the original creditors information and i was not given anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was discharged in Chapter XXXX Bankruptcy on XX/XX/2008. Mortgage was sold to XXXX XXXX XXXX. XXXX XXXX XXXX is reporting the account as delinquent to credit agencies, Experian, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, and this is another request to remove the information from my credit file resulting from this incident. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are required to remove any items no later than XXXX  business days after receipt of this request. Additionally, the information on some items is unknown to me and has already been removed from other bureaus, raising doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX  XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave authorization nor applied for a home loan with this company Veterans United Home, a man that I have been separated from and divorcing applied using my information. 

This is a mortgage company, I called to find our who they were and why are they showing on my credit report. I asked them to remove and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with Equifax due to inaccurate information being reported. After the initial dispute investigation the items remained. I then contacted the credit bureau again by certified mail requesting the method of verification of the initial items disputed that remain on my credit report. Equifax ignored my request for information that I legally have a right to know how they obtain information they report on my personal consumer report.
Product: Credit reporting or other personal consumer reports

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

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The FCRA mandates that consumers be notified of the results of an investigation within XXXX days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( XXXX XXXX. XXXX ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

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

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

3.Immediately block or remove all inaccurate information resulting from the identity theft. 
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
Product: Credit card or prepaid card

I DID SOME SHOPPING ONLINE ON SOMEONES COMPUTER, AND THE COMPUTER WAS HACKED. IRS ALSO SENT ME A LETTER BECAUSE IM A VICTIM OF IDENTITY THIEF.
Product: Credit reporting or other personal consumer reports

I have already successfully disputed and had these same accounts removed from my XXXX credit report, in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires credit reporting agencies to maintain accurate and up-to-date consumer credit information. It is my legal right under the FCRA to have inaccurate information removed from my credit report promptly. 

I sent the same attached letters in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Victim of Identity Theft. This is not an error. 

******************************************** I have been dealing with unauthorized use of my personal information which resulted in unauthorized items on my credit report. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name. I did not authorize these inquiries to be taken out in my name.
Product: Money transfer, virtual currency, or money service

Someone hacked my cashapp account and tried to send fraudulent funds through my account in the amount of {$2500.00}. XX/XX/year>. I tried to shut my bank down so the funds couldn't be transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I tried contacting Harvest strategy group several times at this phone number in over a month. They never called back like they said they would on the recording. Im trying to clear this debt off of my credit. But they are not contacted me on how I can get this removed or how I can get it fixed. The original creditor was flagged trip, but they sold the debt to harvest which theyre not responding to any of my calls or anything. Its been well over a month now. Im just trying to get in touch with somebody so I can get this debt paid off.
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report from navy federal credit union and I and I know it is from identity theft so I filed a identity theft report at the ftc and I have filed a police report and I see that navy federal credit union has broken the laws because no creditor must not furnish any account that comes from disputed Identity theft. I demand for this account to be immediately deleted from my credit report due to credit laws of 15uscs 1682 c-2 that it shell be blocked and deleted in 4 business days. and attached is the identity theft affidavit report and police report and proof of my incarceration at the time that account was open. Please remove this fraudulent account off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re- verify each of these items, and that the inaccurate/fraudulent items be deleted from my record. The following Items are Not Mines/Identity Theft and it appears on my XXXX, XXXX, and TransUnion Credit Reports . Also, I have been a victim of the XXXX data breach. All is being investigated by the FTC, According to FCRA 605B, this information must be blocked immediately until the investigation is over. 

. XXXX XXXX XXXX. XXXX XXXX XXXX. 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

I had an auto loan through Capital one auto finance. My vehicle was a lemon, so the dealership had to pay me back for all payments made, and pay capital one auto loan off. Capital one auto loan was supposed to remove entire tradeline of credit from all 3 credit bureaus within 21 days of receiving payment from dealership. It also states that capital one auto finance can not ever report this to the credit agencies in the future. The counsel, XXXX XXXX signed said agreement on XXXX XXXX, XXXX. As of XX/XX/XXXX t Capital one auto finance reported the trade line as a paid charge off ( very negative on my report ) I tried to get approved to buy a vehicle XX/XX/XXXX, was denied and found out that the trade line had not In fact been removed as agreed upon in writing. 
Have attempted to dispute with all 3 credit bureaus, but they all reach out to Capital one for verification and Capital one auto finance tells them that this account is reported appropriately ( which is false per signed written agreement ) I contacted Capital one auto finance about this and they said they couldn't do anything because they are just the financing department and their dispute department is not taking calls. 

I have the written signed document attached and the pertinent areas are highlighted. Page 2 of 7 section 4 and continues on page 3 of 7. Along with signature on page 6 of 7
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX
Product: Debt collection

I contact Sequium XXXX XXXX on more than one occasion requesting information that it was me that open up the account I had sent them police reports, FTC report letting them know that someone opens up an account in my name fraudulently. Then sent me a letter stating that it was me that open it up and a bill. I never signed a contract with them, nor the company they are collecting for and they are not providing me with the details that I requested from them.
Product: Debt collection

There is a collection on my account and i have never had a account with XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Type of Investment : CRYPTO CURRENCY Exchange : Binance US Name : Account Email : Customer Support Ticket # with Binance US : XXXX My Telephone # : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I deposited $ XXXXusd from my us XXXX XXXX account via wire transfer to XXXX XXXX XXXX XXXX Bam CLEARING ) reference # XXXX ON XX/XX/2021. On XX/XX/2021 I used those same funds to purchase XXXXusd worth of VET tokens ( Vechain ) price slightly above XXXX usd. 

I have been locked out of my Binance US Account for 7 weeks with no status update on when the account will be unlocked. 

While unlocked the price of VET went as high as .25 cents and is currently at .16cents. 

I'm complaining because Binance US. as little to no customer support. I've filed a support ticket and have received little to no response with zero status update going on 7 weeks and counting. 

I received a response on twitter on XX/XX/XXXX, XXXX saying I would receive an email response soon. only to get an email that evening saying they are overwhelmed and will get to me soon ... .that has been a week ago. 

I have suffered mental and emotional stress. I have sent certified mail to Binance US Corporate Office in XXXX XXXX TWICE with all relevant required data to unlock my account : USPS TRACKING # XXXX USPS TRACKING # XXXX I've invested my life savings on BINANCE US exchange platform and have had zero access to my funds for more than 30 days with no status update or reasonable response. 

While i have seen my invested funds increase drastically from .04 cent to .25cent without having access to my funds or account with almost zero communication or status update from BINANCE US . 

CAN YOU PLEASE HELP ME!
Product: Credit reporting or other personal consumer reports

I have done everything by the book with disputing these accounts. Ive contacted the companies in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report. They claim the identity theft report is valid. And lastly, I contact the credit reporting agencies. Both XXXX and XXXX have removed the accounts per legal requirement. But for some weird reason Experian feels Im not following all the steps. Seeing Ive submitted my claim with Experian, Im at wits end. Ive filed complaints against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. I have filed it with a law enforcement agency. FTC is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally am losing my mind because I have no other recourse XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Company last year in XXXX lowered my credit limit from near {$1800.00} down to {$620.00} for no reason. I actually used the card regularly and had it paid in full when they did this. Now, I just got a letter dated XX/XX/XXXX that they closed my account because the number of dishonored payments on this account. I have no idea what they are talking about. There was an issue with my bank accounts in regards to paying from a wrong bank account but regardless I reached out to them and got the problem resolved, paying my debt in full. I have not dishonored any payments. I have not set up payment arrangements and I promptly take care of issues when I know they have occured. I am not continuously late, I use their card often and pay my bill. I had one hick-up, again because of my bank accounts I was switching everything around, and this happened. Its sad that a company treats people like they have never had a mistake happen. I do not want their card, however I want to make sure this does not affect my credit score at all by their reasoning to close my account.
Product: Vehicle loan or lease

In XX/XX/year>, my vehicle was totaled, and my insurance company, XXXX, issued a full payoff amount of {$9100.00} ( respectively ) to my finance institution, CarMax, on XX/XX/year>. Despite this, CarMax has not yet processed the payment, as they are currently processing payments received on XX/XX/year>, as of today, XX/XX/year>. 

I have been repeatedly contacted by CarMax collections department demanding payment. The collections persons are often rude. CarMax has informed me that I am still responsible for making monthly payments until the check is processed, but they can not confirm if they have received the check from XXXX. This situation is causing undue stress and potential harm to my credit. 

I attempted to speak with a supervisor at CarMax regarding my account to see if they would delay credit reporting and late fees due to how behind they are. However, they seemed to ignore my request and just kept repeating that I am contractually obligated to continue making payments until the check from the insurance company is posted. If the check was mailed on XX/XX/XXXX, there is no reason that it should not have posted to my account by now. It is not my fault that they are so far behind. 

I can provide proof of the insurance payment, but I never get a chance to offer it because the representatives are solely focused on collecting money or telling me that I am financially obligated to continue making payments. My insurance rep would be happy to provide any documentation required to put my account on hold. However, the representatives treat me so disrespectfully that the call often escalates, and I'm never presented with an opportunity to even ask.
Product: Mortgage

On XX/XX/2005 l paid off my mortgage in full. Ocwen Mortgage began calling me saying they were to collect a dept on my mortgage. Ocwen said the copy of my mortgage stamped and signed and dated by the STAMPED BY THE STATE OF INDIANA was not real. The harrassment and threats stated from Ocwen to take my property. I filed bankruptcy, went to Indiana Housing,  refinanced, and recently Modification. On my Modification, Ocwen says l have to pay {$13000.00} to own my home at the end of this agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. XXXX, Equifax and XXXX refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong to me.