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

Hi dear, I have a scam transaction on Binance https : XXXX I have issue of automatic liquidity remove on ( XXXX XXXX XXXX +UTC ). Even tough I didn't do any action on my own it removed liquidity and my XXXX was sent to unknown address below : XXXX. This address then sent it to BSC Token hub address : XXXX I have no idea why my BNB was transacted to different address without my approval. 
I tried to submit my issue and chat with their customer service, no good reply or any action. 
FYI : My address : XXXX Receiveraddress : XXXX XXXX receiver address : XXXX Best regards, I hope you will assist me to solve above issue. 

my email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax has information in many errors as a collection not owed. 
wrong phone numbers address by Equifax XXXX XXXX XXXX XXXX XXXX XXXX. 

when applying for something wrong info showed in error by Equifax. 

Equifax has yet to mail me a full credit report showing all the pages its been nothing but the run around. 

I have also file with the US Attorney to the matter.
Product: Debt collection

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the SECURITYCRED ( Original Creditor : XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis credit reporting agency is inaccurately reporting my payment history. My last payment on my account was XX/XX/XXXX. They are reporting that my last payment was in XX/XX/2021. In addition the comment section of my report is also incorrect. They are reporting payment deferred which is incorrect. How can this company properly investigate my claim in 5 days and advise me that me information is accurate. I am frustrated and have submitted a letter from XXXX XXXX XXXX supporting my dispute and requesting them to update my report. Innovis has failed to follow XXXX XXXX XXXX request. I am seeking assistance from CFPB in resolving this matter with Innovis. 
* The comments below was copied from my Innovis credit report and pasted below * Here are their findings : Initiated : XX/XX/2021 Additional Information : Please be advised that my account is not in deferrement. I would like this status removed from my Credit Report. Please confirm with XXXX XXXX Status : Investigation completed on XX/XX/2021. The item has been verified. Please review the report for the most current information.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Auto FinancXXXX is still showing as a closed/charged off account on my credit report. I have already taken the necessary steps to dispute the charged off account which TD Auto Finance agreed to settle my account for a pay to delete off of my credit report which TD Auto and their XXXX XXXX XXXX XXXX XXXX XXXX fixed as of XX/XX/XXXX. 

I accessed my credit report on XX/XX/XXXX, and noticed that TD Auto Finance is still reporting as a charged off account when I have the necessary paperwork stating it would have been removed off of my credit report now.
Product: Money transfer, virtual currency, or money service

My issue involves an unjust ruling by PayPal in a payment dispute that favored a claim by a buyer that he did not receive the goods he paid for, where in fact that he actually did. I have filed my complaint both online in the PayPal Resolution Center and by speaking with two separate customer service agents. I have also taken the matter up by email with two PayPal customer executives : XXXX XXXX, VP of Global Customer Service, and XXXX XXXX, Senior VP of Global Customer Service. I have not heard back from anyone about my complaint. The dispute is PayPal case ID number : XXXX XXXX 
The matter concerns a payment transaction through PayPal by the buyer on XX/XX/XXXX for {$300.00}. This was an in-person sale where the buyer had my home address and cell number in order to pick up my merchandise. It was some 10 months later on XX/XX/XXXX that the buyer filed a claim against me and that I was notified by PayPal that the buyer filed a claim of not receiving his goods. According to PayPal rules, a buyer has up to 180 days after a purchase to file a claim for not receiving goods. Why would a buyer wait 10 months to file a complaint, especially when he had both my home address and cell number. And why would PayPal go along with this unjust ruling in favor of the buyer? Upon my notification of this dispute, I personally called the buyer on his cell phone to find out why he filed the dispute, and was told that upon reviewing his expenses for XXXX, he came across a {$300.00} payment that he couldn't account for. I reminded him of the goods I sold him and he told me he failed at the time of the purchase to notate what it was for. I urged him to contact PayPal and tell them it was a big mistake. After I made several follow up attempts with him, by phone and email, he would not reply. At that point I realized that I was scammed by the buyer. Lastly, please note that I have provided PayPal with hard copy evidence showing cell phone screen shots of texts with the buyer indicating when was coming to my house on a specific date and time to pick up his merchandise. And to make matters worse, I have just received a collection notice from PayPal 's collection agency, XXXX XXXX to make restitution for the {$300.00} ( plus a {$15.00} fee imposed by PayPal, which could now impact on my personal credit rating. PLEASE HELP ME TO RIGHT A WRONG MADE BY BOTH A BUYER SCAM ARTIST AND PAYPAL. I have been a long-time buyer using PayPal for many years and have come to trust their services. Now this one time when I am selling personal goods and accepting PayPal payment from buyer, I get stiffed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never once heard of XXXX XXXX   before this problem and because of them, I am even being denied short term loans that have no hard inquiries. They stated that XXXX was reporting a XXXX score back in XX/XX/XXXX OF THIS YEAR, and then a XXXX ... I had never even heard of these people ... when I know I have been working my XXXX off getting my scores up to past 660!! ... I even tried to get my score from them but there is no way in XXXX I am sending every single detail of my personal information to them in order to obtain the " info '' they SOMEHOW already have. I would love to have them shut down because it is causing a bunch of trouble and just screams SCAM!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXI was denied credit by XXXX XXXX XXXX is perfect or near perfect so fearing data had been breached by Experian hack immediately checked all credit reports including Experian. Only anomaly that I was able to find was the date of birth was wrong. It was reported as XX/XX/XXXX vs correct year of XX/XX/XXXX. I went to Experian this morning XX/XX/XXXX and attempted to correct and website would not allow and only provided links to this site. I need a phone number or link to upload correct information.
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 XXXX  Acct # XXXX XXXX XXXX Acct # : XXXX XXXX  Acct # : XXXX XXXX  XXXX Acct # : XXXX XXXX XXXX Acct # : XXXX XXXX XXXX Acct # : XXXX XXXX XXXX  Acct # : XXXX 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 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, that 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 to any 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

XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX IL XXXX The addresses listed above : Should be the only addresses on file for me any other addresses should not be on my credit file Ive lived at XXXX XXXX XXXX XXXX XXXX IL XXXX since XXXX and moved into XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX in XXXX from the previous address I want all addresses and accounts attached to the addresses not listed above removed from my report. I have reached out to these entities to correct this where they have refused. They are in violation of the FCRA and I should be paid as a remedy and also have the the addresses and accounts associated to them that are not listed above deleted from my credit file. If this is not remedied, I will be forced to pursue legal action
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX, which involved me making deposits for a total amount of XXXX USD from my PNC Bank account to fraudulent investment firm.
Product: Checking or savings account

Hello, I opened a checking account with a BANK using my valid drivers licenses, which contains my FULL name ( First, Middle, Last ). The Bank opened an account with ONLY my first and last name and left off my middle name. I am usually called by my middle name and I receive checks made out to my middle name and last name. The Bank has refused to cash checks made out to my middle name sighting " Its made out to a 3rd party, not me ''. I have sent a copy of my valid driver 's license to the bank 4 times now as well as copy of my valid XXXX XXXX- both contain with my full name ( First, Middle, Last ). The lending institution says they can not accept a SCAN of my driver 's license or a picture of my driver 's license. The bank has no brick and mortar buildings. So how am I to get a copy of MY driver 's license to them other than a SCAN or taking a picture? It has become a farce that I can not get my own name corrected on my own bank account, which the BANK made a mistake upon opening my account, not me. I am attempting to correct THIER mistake and they are making it impossible. When the account was opened, I requested my FULL name ( First, Middle, LasXXXX ) yet the Bank chose to eliminate my middle name, which has caused a flood of issues. They keep kicking it back to me requesting a copy of my driver 's license. I'm getting no where.
Product: Credit card or prepaid card

On this DATE we made a reservation to a XXXX XXXX hotel through XXXX we made an initial deposit of {$570.00} on XX/XX/XXXX. We then paid the rest of the trip a total of {$1300.00} on XX/XX/XXXX. The week that the trip was scheduled, due to COVID-19, our flight was cancelled and the airline refunded our money. The lockdowns in our area forced us to cancel the trip to XXXX XXXX. At the time XXXX XXXX offered us a voucher via phone conversation. Unfortunately unbeknownst to us they closed their doors in XXXX. We reached out to XXXX XXXX on XX/XX/XXXX to ask where our voucher was and found out in an email response that they were temporarily closed for eight weeks beginning in XXXX. We then found out through news articles online that they had permanently closed. The XXXX XXXX XXXX also states they are out of business. We have reached out to XXXX several times to see if they could refund us and they have not helped us at all only promising to call us back and then they never called us back. They say XXXX XXXX would be the ones to give us a refund. But obviously there's no communication availabile to XXXX XXXX because they're closed. Unfortunately after months of trying to to communicate with XXXX, we have been told by them that the hotel was suppose to process a refund, we still have not received any refund. We started a dispute with DISCOVER in XXXX to see if they could help us resolve the issue. They have continued to ask us for new information stating that they can not reach out to the merchant who charged the card. We have provided mountains of information and still have been denied a refund. We were charged for services that were never rendered. We have waited months for DISCOVER to look into the dispute which is well beyond the window allowed according to the fair credit billing act.
Product: Debt collection

Re : XXXX XXXX XXXX, LVNV Funding LLC . 
Amt : {$710.00} Reason : Unable to verify charges, identify location of debt, pay debt with reasonable effort. 

I am disputing the charges for this account, as I am unable to reach anyone to question or resolve this collection account. Without reasonable explanation or proof that this debt is correct, I should not be held responsible for this. I am not sure that this is an account that I opened. I am currently paying off all outstanding debts which were accrued while unemployed. 
My credit report shows XXXX XXXX XXXX as a negative account, with a total of XXXX for the charges. I did open an account with them, however, the credit limit was {$400.00}. I tried contacting the phone number listed by XXXX, which is XXXX, to resolve this issue. I spoke with XXXX at XXXX XXXX XXXX, which informed me that she would transfer the call to XXXX to resolve the account. She did not have any information for me. 
Over the past several weeks, I have tried contacting XXXX, only to be placed on hold for several minutes by an automated machine, which would finally disconnect the call. I have not been able to speak with a live representative what so ever. 
I tried to take this further by contacting XXXX XXXX XXXX collections department at XXXX, but without an account number, I can not speak with anyone. I 've sent letters to XXXX XXXX XXXX with no response. 
XXXX listed a company by the title LVNV Funding LLC as the collection agency. When I tried contacting this company, they proceeded to tell me that I owe money for XXXX accounts, XXXX of which is a fraud account created in 2005. I do not believe that this company is creditable. As a result, I believe that this is a fraud account and should not be responsible for this. 
I am asking that this account be removed from my credit report as I can not reach or resolve this issue with reasonable effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC1681 section 604A section 2it also states a consumer reporting agency can not furnish a account without my written instructions.

I5USC1681 section 602A states I have the right to privacy.
Product: Debt collection

I believe I am being billed for a XXXX by XXXX XXXX XXXX in error. I sent written correspondence to their main office stating why I believe the debt to be erroneous. In this letter I also stated that I do not want to be contacted via the phone regarding the debt, and if this appears on my credit score it is to be marked disputed ( referencing the Fair Debt Collection Practices act ) I received written confirmation back from the Hospital that they would honor this. However, when this debt went to collections, I have now received more than 10 phone calls to my phone, despite having instructed them to stop. 

This is all for a supposed ~ {$400.00} debt ( that I believe I do not know )
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports I noticed that there is a negative/adverse account on my report that I feel is not does not belong to me. The collection agency that's reporting this account in the amount of {$350.00} is RESURGENT CAPITAL SERVICES ( RCS ). The creditor is listed as XXXX XXXX. The account number is XXXX. I sent XXXX a certified letter in requesting documentation and proof that this account belongs to me. XXXX tracking shows that RCS received the letter on XX/XX/2021 more than two months ago. I have not received any correspondence from RCS. I want RESURGENT CAPITAL SERVICES to provide me with documentation and proof that this account belong to me or remove this collection from my credit reports.
Product: Credit reporting or other personal consumer reports

My Credit Report Dear [ Credit Reporting Agency Name ], I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being report : address, different name etc.
Product: Bank account or service

Bank of America checking Claim # XXXX, XXXX On XXXX/XXXX/2016 XXXX, I recieved txt message from B of A stating " B of A has temporarily restricted the use of debit card ending in XXXX. Call XXXX to verify '' when I was on my way to work. I got to the office and checked online banking statement. There was approximately XXXX activities about {$1400.00} that I did n't recognized. I called the number and spoke to representative. When the operator asked for information, I did n't answer fearing this could well be the part of fraudulent activity. So I hung up and called again using number in the back of my debit card, which is different from the number in the txt. The operator told me that the bank activities seemed fraudulent and told me that I would get my money back. All I had to do is to wait until the transaction would cleared from pending to fully stated in the bank account and to call the claims department to make sure of it. I was told the bank will investigate to catch the thief. Also during the conversation, I realized that the newly issued debit card was stolen, perhaps in the mail box. I never knew the new card ending in XXXX was coming on my way. 
On XXXX/XXXX/2016, I called and filed for claim for XXXX out XXXX transactions cleared in bank statement. On XXXX/XXXX/2016, I filed for claim for the last of XXXX transactions that cleared away. The operator told me that I would receive some letter for investigation. 
I got email for me to provide additional information. I complied that I did n't recieved card and I did n't know the identity of the suspect. 
On XXXX/XXXX/2016, the decision was made that they would reverse temporary credit. The reason was that " the card was present at the time of the transaction and PIN number was used ''. I do n't know about how the thief knew my PIN number but of course the thief would possess the debit card. Later conversation with BoA that the thief did n't use PIN. The claims person and insisted that I would give him the Police report #. 
On XXXX/XXXX/2016 I filed the police report ( # XXXX ) at XXXX XXXX Police station in LA and faxed this information to claims dept. 
On XXXX/XXXX/2016 B of A still denied to give credit for the activity. 
The reasons are as follow. 
The fraudulent transaction spans over period of days. ( fact : one day ) The file was claimed 6 days after the activity showing lack of urgency. ( fact : I called the same day and even moved money out of that account ) The suspect did n't maximize the transaction ( fact : he tried and denied at later transactions ) The debit card with chip could not be counterfeited and the suspect used the card ( fact : yes, therefore I reported stolen ) My statement over XXXX conversation with claims people are not consistent ( fact : I asked what 's not consistent and they did n't answer ) Bank of America refuses to pay back for fraudulant activity. BoA lacks brain to perform proper investigation. BoA does n't protect customer from thieves. BoA waisted so much of my time and energy and inflicted stress and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX HAS ACCOUNTS ON MY CREDIT REPORTS. THAT ARE NOT MINE AND THEY REFUSE TO DELETE. 

XXXX XXXX XXXX XXXX This is not my account. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Phoenix Recovery Group has illegally added a duplicate account from the same creditorXXXX XXXX XXXXXXXX to my XXXX credit report. A collections account in the amount of {$730.00} was added to my XXXX credit report on XX/XX/XXXX. I disputed this debt with Phoenix Recovery Group as I do not owe this debt. This same account was previously on my XXXX report as well, but I was able to have it successfully removed because I proved that I do not owe it. I disputed this debt a total of 3 times. On XX/XX/XXXX, on XXXX XXXX it shows the same account was removed AND added back the SAME DAY! On XXXX XXXX, I received a notice from XXXX XXXX that there was a new account added to my report. Phoenix Recovery Group added the SAME account from XXXX XXXX XXXX, but now in the amount of {$730.00} ; a {$1.00} difference! This new account has the same open date as the account in the amount of {$730.00} ; XX/XX/XXXX. I never received anything in writing in regards to this new account in the amount of {$730.00} prior to it being added to my XXXX report. If it's indeed a new account, a new account number was not provided, neither was an itemized list of the charges. This action is a clear violation of the Fair Debt Collection Act, as well as the Fair Credit Reporting Act. I have emailed Phoenix Recovery Group in regards to this requesting to cease collections on BOTH accounts and to have BOTH accounts removed from my XXXX report.