23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My CARES Act forbearance began XX/XX/XXXX, I have requested extensions every XXXX days as the CARES Act provides. My loan was transferred XX/XX/XXXX to SN Servicing and the terms and conditions of my loan were not supposed to change. SN Servicing refuses to acknowledge that I am in a CARE Act forbearance. Despite my request for extension past my XX/XX/XXXX expiration, the refuse to grant or acknowledge it. My original loan was Government backed by XXXX XXXX and XXXX XXXX but they are telling me that my loan is no longer government back and Im not eligible for the CARES Act. They are not threatening foreclosure and accessing late fees to my mortgage. I have provided documentation of my CARE Act XXXX and have disputed the debt collection they began on XX/XX/XXXX with the XXXX demand letter for repayment of my entire mortgage. I have communicated with SN Servicing attorney XXXX XXXX and SN Servicing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They STILL refuse to acknowledge that Im in a CARES Act Forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION broke the law with not responding to me I have mail tracking proof and they verified my accounts which is against law 's usc 15 1609 fdcpa please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


Bankruptcy XXXX XX/XX/XXXX DELETE XXXX XXXX XXXX  XX/XX/XXXX DELETE XXXX XXXX DELETE THE FOLLOWING ACCOUNT SHOULD BE ON TIME AND OPEN NOT CLOSED XXXX XXXX XXXX THIS ACCOUNT IS CURRENT AN ON TIME NEVER LATE UPDATE TO OPEN XXXX THIS ACCOUNT IS CURRENT ON TIME NEVER LATE UPDATE TO OPEN
Product: Mortgage

To whom it may concern : I submitted and complainant on the XXXX/XXXX/2014 : on the letter that yawl send me stated that some complaint. if so something should be done about the same complaint over and should let you know over so that so that should let you know that there is some truth to this matter and I gave the only info that I had. The info that Lawyer gave was Ford and forgery and I do not have A Business on XXXX or any or any ware else. what they are say is I have Company business in my home when I do n't have one so now they base my payment on something that the lawyer say but he is lying about the no business here there was never an business here. was documents that give the Bank America from this Lawyer.
Product: Checking or savings account

On The date of XX/XX/2021 Im sending payment check to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, CA XXXX of the amounts of {$2000.00} from my personal CHASE checking account to pay to my mortgage. On the date of XX/XX/2021 the XXXX XXXX XXXX XXXX notify me, they havent received the check I sent yet. I went to chase bank where I wrote the check to XXXX XXXX XXXX XXXX. The Chase banks notifying me they have funds {$2000.00} to a wrong receiver, not XXXX XXXX XXXX XXXX. 

I have filed a fraud complaint more once with Chase Bank, theyre asked me to wait 90 days, after 90 days as promised, Chase Banks still not refunded to me. Todays, after 4 months, Chase banks stilled neglect, and refusing to return my moneys, Its clearly Chase Banks faults, for not doing their jobs rights, fund a customer to a wrong receiver. 

My Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : XXXX Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my legal right under the Fair Credit Reporting Act, Section 609, requesting for XXXX and Equifax to verify their method of investigation regarding the following accounts listed on my credit report : XXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXX XXXX XXXX  # XXXX. As to section 609, under the Fair Credit Reporting Act, I am entitled to see the source of the information, method of verification, which is the original application and documentation that contains and show my signature. I want the original application and documentation with my signature, sent to me by Equifax and XXXX showing proof that the XXXX XXXX accounts and XXXX XXXXXXXX XXXX account was applied for by me and show my signature on all original applications and documentation. If Equifax or XXXX is unable to send me the original application and documentation which contains my signature as proof the accounts are my accounts, and their method of verification of the XXXX XXXX and XXXX XXXXXXXX XXXX accounts listed on my credit report, the XXXX XXXX and XXXX XXXXXXXX XXXX  accounts should be immediately deleted and removed from my credit report within 30 days by Equifax and XXXX.
Product: Credit reporting or other personal consumer reports

I am listing 6 inquiries fraudulent from my Transunion credit report. XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The listed inquiries do not belong to me and must be removed from my Transunion credit report. I had a call with the company and the credit reporting agency advised me to fill out identity theft report for deletion. I am requesting Transunion to mark listed inquiries as a fraudulent and remove from my credit report.
Product: Checking or savings account

I opened a checking and savings account with Chase because they were offering a promotion that if I opened both a savings and checking they would give me {$900.00} as a sign up bonus. The catch was I had to have direct deposit AND have a $ XXXX balance on the savings account to complete the conditions of the bonus. I did exactly this and chase decided to close my account due to fraud claims and it has been over a month that they have kept my $ XXXX since it's " under investigation '' and they are not giving me a reason as to why its being investigated when they can clearly see where it came from. I feel as if I'm being robbed by Chase because they said they do not have a tentative date when they'll be releasing my funds. This is ridiculous. This isn't pocket change, this is XXXX that my family and I worked hard to save and we need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The defendants used my XXXX XXXX XXXX as commerce properly to make money with.Thats fraud.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXXXXXX {$4500.00} XX/XX/XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX {$9300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$70.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, my credit file has been corrupted with false and defamatory claims of debts I do not owe, which have been made against me without any prior notice, or any other legal process whatsoever. The purpose is to damage and destroy the quality of my life by inflicting financial harm against me causing my current FICO Score to plunge overnight from XXXX to XXXX, and credit applications once routinely approved are now being routinely declined. Each day the result is my direct loss of significant income and opportunity, at great personal cost with constant turmoil and unneeded stress. 

The reason these false claims of debts have been included in my credit file is to extort payment from me for money I do not owe. In order to remove the false information from my credit file, and cause the false lower FICO Score to be restored with my legitimate higher FICO Score, I am being coerced and extorted by both TRANSUNION and the fraudulent creditor ( s ) for immediate payment so that I may obtain immediate relief from being declined an extension of credit at the time I need it the most. 

My credit applications are now being declined each day due solely to false claims of debts not owed, by fraudulent creditors misuse and abuse of the national credit bureau reporting system, in concert and support with TRANSUNION. TRANSUNION permits false and fraudulent information into the credit bureau reporting system in order to cause credit problems for consumers, and then uses coercion and extortion to force those same consumers into a TRANSUNION {$19.00} per month credit repair subscription service for all eternity, to remove the very same credit problems caused by the false and fraudulent information permitted by TRANSUNION. 
In addition, at the suggestion of my Bank, steps have been taken to protect both my funds and accounts from continued unauthorized withdrawal by the very same fraudulent creditor ( s ) acting in concert with TRANSUNION.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back and going i am not sure of this some mistake as i assume it has to be i have not been able to get help from them for months but i just remembered i could file a report on here as i fool they are not doing job properly and it is effecting me great deal i used PayPal quite frequently My email linked to PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased auto - dealer sought credit from XXXX XXXX who denied based on information from XXXX XXXX. The score reported was grossly less than any other credit bureau and was purportedly based on limited history at address ( lived at address 22+ years ), phone ( do not have landline phone, cell phone number for 15 plus years but with two providers ), length of history at this phone ( see above ), length of residence too short ( 22+ years ca n't possibly be too short ), and proportion of satisfactory trades too low ( what the heck is this ). I have never heard of XXXX XXXX and will not share personal information with them to purportedly address these matters. They need to be shut down as they clearly are not taking any meaningful steps in building credit files.
Product: Checking or savings account

Back in XX/XX/2019, someone gained access to my XXXX XXXX account information and completed wire transfers of large sums of money into my account, XXXX XXXX However, XXXXXXXX XXXX  continued to accept deposits from these people well after my call to them informing them of the fraudulent activity and froze my assets for about 2 weeks. In return, they forced me to close the account that I had with them for 8years with no problems before this other than a few overdrafts paid immediately ; they printed a check for my funds in the account. To my understanding, there were no fees owed to them, so I don't understand what their motive is. Because I called XXXX and made them aware of the strange activity, the thief or thieves I don't know who the XXXX they are could not do what it was they set out to do. 
So I took my check and deposited it into my new credit union account, however ;, now that I have relocated from XXXX to XXXX and have attempted to open a local bank account, I have been denied ; I made another formal complaint against XXXXXXXX XXXX, got a letter stating they are working on resolving the issue and will be in touch. Well, that was about 3 or 4 months ago, and I have yet to hear anything, so I think the issue is resolved! Wrong again, I am ; I go to cash a check at the local XXXX and get denied there. I call XXXXXXXX XXXX again ; the lady gives me the number to ChexSystems, helps me print off a report, and noted this report. Still, a bunch of inquiries, I call ChexSystems back, and the man tells me he can not help me and that I should call the financial institution. Who am I supposed to call if I don't know who has blocked me from having a bank account in XXXX?
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX  Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Either the day before or on XX/XX/XXXX I was scared and tailgated by a XXXX  man with XXXX  hair all black sunglasses viciously tailgating me in my hometown. He had out of state Colorado License plates. That same day a collection suit was filed against me by a Jefferson Capitol Company. The Lawyer lives in Colorado. He did not put HIS OFFICE number on Court Documents. I filed an Answer to the suit. It is from a different company over 2 years old and they charged off the debt. I had paid them regularly on time for a long time. Getting a hold of this Attorney from Jefferson Capital was nearly impossible. They  fought/argued/were mean at the XXXX # he gave the Court as his #. They told me they would not let me talk to him. Demanded a ton of private personal information including my ENTIRE SS #. I finally did talk to the Colorado Lawyer who is suing me for a Minnesota Company-he did not care that I am XXXX  and have no income. I  have to do a Hearing and have been terrified all Summer. He Picked the Exact Day that I usually get my check on. Plus the EXACT MORNING HEARING TIME that I go outside to walk my XXXX  dog. I can hardly walk early mornings due to my XXXX. I believe he has stalked me and knows that. I asked XXXX XXXX of Nebraska for help they are ZERO help. This has scared me ALL Summer long. I pay my bills on time. This was an instance where they jacked up the payments to $ XXXXplus a  month and I tried to offer {$35.00} and they wouldn't take it. I feel this Lawyer who apparently does have a phone number was DECEPTIVE because it was never given on ANY COURT DOCUMENTS EVER. The Credit card charged off the debt already. He bought it. He is trying to get money from me that I do not owe Him. He had me Served on a Sunday. A Religious Day. ALL his Court documents " PRAY TO THE COURT FOR JUDGMENT AGAINST ME. '' Lawyer " PRAYS '' Against ME, I am a XXXX. This has been personal and terrifying.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 2018
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my finanacial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : 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
Product: Checking or savings account

We reached out to the bank as the over draft fees were killing us. Eating up all of our money as they charge you when your check is over drafted then charge you when they return the checks resulting in double fees. We talked to XXXX where checks were written and was told that they not send anymore in. Well they continued sending them in resulting in double overdraft charges by the bank. we talked to bank manager on XXXX XXXX XXXX XXXX Florida today to get no place. The lady who also worked with me was very rude saying not our problem you wrote the checks why are you again at the bank. Because was told by the bank customer service all the XXXX checks would be stopped and no more fees to be lied to. And then jerked around at the bank today. Then called customer service again tonight XX/XX/XXXX to be told not my problem. Well reason why we did this is my son was abused at the school district and have a bunch of expenses there fighting the school system. this is robbing without a gun and so very wrong. Have tried to reach out to both to get jerked around. I have been a customer since XXXX and to be treated this way is very unacceptable. Very upset As on XX/XX/XXXX we put a stop payment of them. I hadwrote a letter and talked to XXXX on the first part of the month to tell them to stopsending in checks we take care of themon the XXXX of the month. but yet on the XXXX XXXX deposited a check of XXXX {$35.00} fee on the XXXX insuffient funds {$35.00} return item so see the problem here and was told not to have any more go through by both agencies.
Product: Credit reporting or other personal consumer reports

This communication serves as my fourth correspondence concerning the identity theft incident. I am specifically disputing an inquiry still present in my file, resulting from the aforementioned crime. The disputed inquiry is not linked to any transactions for goods, services, or monetary exchanges authorized by myself. I respectfully request the expungement of this inquiry from my Equifax credit file, originating from the alleged identity theft incident : XXXX dated XXXXXX/XX/year>. This inquiry remains unrecognized by me. Additionally, the information related to this inquiry has already been expunged by other bureaus, casting doubt upon its accuracy. The reported history date of this inquiry also remains undisclosed to me. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I request its removal.
Product: Money transfer, virtual currency, or money service

I sent you an email in regards to Binance.us not closing my account when I emailed 3 times telling them my email was hacked and they completely ignored me. I didn't get a response from them until 4 days later, on the XXXX XXXX XXXX  After a few emails back and forth, Binanc.us closed my account on XX/XX/2021. That's 12 days after I informed them of identify theft. 
I I emailed you to put a formal complain towards Binance.us which has another name of BAM Trading Inc. 

My complaint was as followed toward Binance.us : 1. They dont provide consumers with fraud hotline telephone number 2. They don't have a fraud hotline email 3. They don't respond in a timely manner for sensitive issues, such as in the case account compromise 4. They neglected to protect their clients. 
5. They allowed the suspect to continue to have access to my account while they were investigating my claim. 
6. Their lack of quick response and inefficient communication led to a {$12000.00} loss on Binance.us and another {$5000.00} loss at my US bank. 
7. They advertise FDIC insured, that means my money is protected. That is the message I got that us why I signed up with them. 
8. False advertising if they claim to be FDIC insured but when theft happens they don't want to reimburse me. 


I received an update from your agency and you closed my account which doesn't make any sense. My issue was never with Coinbase. My issue was with Binance.us. 

This complaint is addressing Binance.us ( BAM Trading Inc ) XXXX had nothing to do with my complaint other than the fact I was comparing the difference in how they treat their customers. XXXX and closed my account and within in 24 hours they took care of it. They had a number and I was able to shut my accountable immediately. 

Please do not confuse the 2 platforms. 

Reopen my complaint towards Binance .us Thank you XXXX XXXX