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

My name is XXXX XXXX and I've tried to fund my Binance US account ( XXXX ) with two separate wires - the first wire of {$200000.00} was sent out on XX/XX/XXXX and is currently being held by Binance US without allocation to my account ; the second wire of {$470000.00} was sent out XX/XX/XXXX and has been either misplaced or misappropriated on their end. I have all wire transaction number and confirmations to prove that the initiating financial institutions successfully completed sending the wires.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties, THEY are responsible for, up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement
Product: Credit card or prepaid card

My card was closed by mistake and I tried to have it opened. They said sure no problem we could open it, then they told me they can't because they no longer offer this card but otherwise we would be able to open it. 

This is a complete lie, see link below that the card is still being offered : https : XXXX
Product: Mortgage

I was approved for a grant from HAF to cover my mortgage payment. In that process my mortgage servicer was transferred. Instead of forwarding my XX/XX/2023 mortgage payment to the new company like they are suppose to by law, they returned to the state where the grant was from. I contacted the state and they are saying they did not receive any payment back from the service provider.
Product: Credit reporting or other personal consumer reports

I am writing to address an ongoing issue with my credit report. Despite my repeated communications, I continue to receive emails from the bureaus alleging that I am assisting credit repair companies. This is absolutely incorrect. I am personally responsible for sending out all correspondence regarding my credit report. 

I request immediate action to rectify this situation. Attached is the list of HARD inquiries I want to be removed from my report. If this issue is not resolved promptly, I will have no choice but to consider legal action. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has made no effort to verify my mortgage with XXXX XXXX. I have filed two previous complaints through the CFPB ( XXXX and XXXX ) each with supporting documentation which can be used to verify my mortgage from the lender. Experian refuses to accept these documents, stating they " don't add data to our database from private parties since we would be unable to verify or maintain the data ''. Isn't it Experian 's job to verify the data submitted as a consumer 's proof of a trade line with a lender? Why are they dismissing my documentation instead of reaching out to XXXX XXXX to verify the data?
Product: Consumer Loan

i took a loan out from XXXX. i became unemployed we agreed to make XXXX installments bi-weekly. they than came back and offered me a XXXX installment with deferred until XXXX/XXXX/2015. i agreed but could not open the file to e-sign. i sent an email agreeing to the terms. and they took my XXXX but loan.me said because i did not sign they were going to take another XXXX out of my checking account. i ran down to the bank closed my accounts and reopened. this was a verbal agreement which was followed up by an email agreement. this agreement became binding at the point they took my 300.00 dollars. 

they constantly call me even after i have asked them not to. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681section 602 states I have the right to privacy. 15 usc section 604a section 2 - It also states that a a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Reports on XX/XX/2023 to XX/XX/2023 on XXXX Capital One accounts.
Product: Mortgage

My mortgage loan was either bought or sold to BSI Financial Services from XXXX XXXX. 
From the time BSI obtained my mortgage it was just one nightmare after another, BSI is the worst company I have ever dealt with. I have called and complained about the inconsistency I am getting about my accurate monthly mortgage payment. I contacted BSI on XXXX XXXX and XXXX and each time I called I was given a different mortgage payment amount for XXXX BSI is now stating that I owe {$320.00} in late fees from XXXX XXXXXXXX which does not make any sense to me. My mortgage is current and up to date. This company absolutely does not care about its customers. An investigation into this company 's financial practices is definitely warranted. 

Thanks for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, SYNCHRONY FINANCIAL, on XXXX. XXXX, 2020,  XXXX XXXX XXXX and on XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Bank account or service

Made a deposit into the night deposit. The signage at a certain branch states that deposits made after XXXX will be credited the next day. That is false signage. The night deposit is checked by a bank employee after the bank closes each day, at XXXX. So my deposit made at XXXX on a Wednesday would not be credited until after close of business on Thursday, even though the signage states it will be credited the next business day. Crediting at the end of the next business day is at minimum misleading. Branch manager told me he would change signage 3 months ago to reflect what time the night deposit is checked. 
This occurred at the Chase Bank, XXXX XXXX, XXXX, CA XXXX and I spoke with manager XXXX XXXX three months ago.
Product: Credit card

I was purchasing airline tickets on United Airlines website. A credit card promotion was offered XXXX miles and a {$300.00} statement credit if my purchases reached {$3000.00} in the first three months. When i recieved my bill it showed no statement credit. I called them, they then said it was not part of the offer. United also refuses to issue anything in lieu of the promised statement credit. There are forums online tgat show this is a common practice. Chase is known to stiff people out of the promotional statement credits.
Product: Bank account or service

On XXXX/2017 paperwork was signed at XXXX local office to transfer an IRA from STATE FARM BANK to XXXX. It is now three weeks later ( XXXX/2017 ) and neither STATE FARM BANK or XXXX can tell me where the money is. STATE FARM says the " check is in the mail ''. XXXX says they have not received the check. This is XXXX figure money amount. Feel money is being held hostage.
Product: Credit card or prepaid card

I was using a lawyer named XXXX XXXX XXXX who was not responding to my phone calls, and texts. He also did not show up to court. I complained to the Judge XXXX XXXX of XXXX New Jersey who agreed that the lawyer had abandoned the case and allowed me to fire the lawyer and seek council ... I paid him {$2000.00} of which I used my Wells Fargo debit card to pay him {$1000.00} of the {$2000.00} ... After he was fired I demanded that he return my money in full and he ignored me... I subsequently made a credit dispute with Wells Fargo on the amount of {$1000.00} and they rejected the dispute. I asked Wells Fargo what kind of investigation they did and what evidence that the lawyer provided that refuted my claim and they told me that the Wells Fargo policy was not to release any information on the investigation. This is a farce... Wells Fargo has since removed the details of the dispute from my account and will not give me access to my old statements trying to make it disappear. I have subsequently found out that Wells Fargo did not even reach out to XXXX XXXX XXXX and will not answer my questions of what type of evidence they had to make the decision ... I want to see their file on how they made their decision because it is obvious that Wells Fargo did not do an investigation and arbitrarily without any reason rejected my dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

These is a XXXX bill located on the equifax profile under XXXX XXXX in which it has stopped me from obtaining future business credit for the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

report filed with XXXX  case number XXXX ... 
In accordance with the Fair Credit Reporting act. XXXX and Receivables Performance Management has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. 15 U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. XXXX and Receivables Performance Management continue to violate my rights.
Product: Prepaid card

I received several American express gift cards however I can't use them! I tried online and it declined. I called their customer service & they said I had to select credit at checkout, and make sure it wasn't storing my information, otherwise it wouldn't work. I went back & re-tried. It still didn't work. I called back. I was told to use it at a place in person as credit. That afternoon I went out and attempted to swipe the card in-person as credit but it was also declined. It was embarrassing and I used another card.

I called back & said I had followed all of their instructions & it still wasn't working. I asked for a printed list of all places where I could use this card. They said anywhere that takes American express. Then they tried to say my magnetic strip was bad & not readable. It's a brand new card, just activated and only swiped that one time!! I was told to have merchants enter the information manually and not by swiping. 

I called my cell phone provider to male a payment with this card. I explained I needed them to manually enter the information. After much to do there she transferred me to an automated system where I entered my own card details manually just like I was instructed by American express customer service & again, denied! 

Oh also I should mention, at that places I was denied a .10 charge was removed from my card that will take 10 days to put back. So on this card I have not used, I have many " charges '' of .10 for which I received no product or service, and just frustration while trying to purchase a product.

I told the supervisor I can not travel up & down the street attempting to make random, unnecessary purchases at any & every vendor to see which vendors work. They also said I couldn't use it at some places, like to pay bills, because the cars isn't assigned to an address or person which would match my account billing information. 

If I can not enter it online, or swipe in a store or use the details on the card manually, how do I use this card? I asked for the supervisors supervisor. She told me it wouldn't matter because everyone would tell me the same thing but claimed someone would call me. No one has called me. 

This fraud protection has gone too far. I came into possession of this card legally, as a gift but this money is useless. 

I am beyond frustrated.
Product: Mortgage

The company involved is " XXXX XXXX XXXX XXXX. '' I  was trying to refinance a home loan with XXXX XXXX, they send some paper for me to sign, the documents sent were written in English only, I signed the documents, and mailed back. In the documents signed, in the section were appear cash to close, the borrower is XXXX ;  nevertheless after the company then send me another document indicating that cash to close to borrower is XXXXUSD, I E-mail two letter to XXXX, as well as I, call XXXX XXXX at XXXX ( XXXX ) and he did n't return my calls, I just wanted not continue the process so he would n't claim that he was working on my loan, the papers were signed in XX/XX/XXXX, and mail in the XX/XX/XXXX, I received the document with different number from XXXX to XXXXUSD in XX/XX/XXXX. ( I speak, write, and read XXXX better than English, XXXX is my first language )
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts appearing on my credit report, and I have no clue why. When I checked my credit report as I normally do, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Due to this issue, I am requesting a thorough review of the documents I provided to ensure I wont have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Item Demand for Immediate Removal Reason for Dispute : Absolute Resolutions I am disputing the accuracy and validity of the above-referenced account on my credit report. This account is inaccurate, unverifiable, and has not been properly validated by the creditor. Under the Fair Credit Reporting Act ( FCRA ) Section 611, you are required to ensure that all information in my credit file is both accurate and verifiable.

The continued reporting of this item violates my rights under the FCRA. As such, I am requesting the immediate removal of this account unless the following can be provided : A copy of the original signed agreement that created this debt.

Proof that the creditor has the legal right to collect on this account. 
An itemized breakdown of the balance, including the principal, interest, fees, and any payments applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute a chapter XXXX  bankruptcy ID # XXXX  listed o my credit for over a year now. I keep getting notifications from Experian, XXXX and XXXX stating the information has been verified from XXXX XXXX  and the court. I called the court and they stated they don't verify bankruptcies with the bureaus. I reached out to XXXX XXXX  about 2 months ago to have a freeze put on my account and I suppressed my files and I also contacted them and they stated they don't disclose any information on a consumers report to the bureaus either. At this point since neither the bureaus nor XXXX XXXX can provide me with sufficient validation of this debt with the original documents with my signature I am asking to have this removed to prevent further action.
Product: Credit reporting or other personal consumer reports

I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX BANK XXXX XXXX
Product: Debt collection

Action Professionals is trying to collect an alleged debt of {$30.00} plus XXXX cents interest for a copay under my XXXX XXXX XXXX XXXX XXXX program collected at the time of service. They claim that on XX/XX/year>, more than six months ago, I owed {$1000.00} and ten the claim XXXX cents interest accrued and that sometime after that they were paid {$1000.00}. In fact they were also paid the {$30.00} copay at the time of service and they have ignored my receipts for that and claimed the payment was for something else.
Product: Student loan

I had to take out these loans to pay for my XXXX school at XXXX college. But they closed down therefore, I never used these loans.
Product: Mortgage

My father passed away suddenly more than two years ago. At the time, we were living in our family home that included him, myself, my partner, and our XXXX  children. The home loan with LoanDepot was in his name. When we contacted the VA, they advised us to contact our lender and request an unrestricted transfer due to the death of a veteran, a process they described as simple, and stated would not cost more than {$50.00}.

For two years now, we have been jumping through hoops, and have made no progress whatsoever. LoanDepot originally would not speak to me about the loan, and required me to go through a lengthy process of being deemed the successor in interest. They also advised they do not have an Assumptions Department, and were unfamiliar with the concept of an unrestricted transfer. At one point they locked us out of the account and we were not able to make payments ( even though every payment to them since the loan incepted was from my checking account ). At some point during this process, the loan became delinquent. After I was finally declared the successor in interest, they led me through applying for mitigation, and for the last few months we have been making regular payments, higher than the original payments, on a trial basis. 

Yesterday, I received a denial letter, stating that we were not granted mitigation, and essentially it was denied because my name was not on the deed to our home at the time when my father passed away. They knew this prior to advising me to apply for this mitigation, as they specifically advised me to go through probate so that I could get the deed in my name, as that was required in order to become the successor in interest. 

The letter further states that loan assumption will be required, but they will not guarantee any type of mitigation, only provide additional steps to continue to follow, with no end in sight, and no guarantee that we will be able to keep our HOME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing today to get help with incorrect information on my XXXX, XXXX and Transunion Credit report. I have reached out to all these agencies via online dispute and telephone and asked they remove inquiries that I did not request or allow, to this day this has not happened.

Please remove inquires from these companies immediately as they are inaccurate and damaging my credit score : XXXX  XXXX dated XX/XX/2021 XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX, dated XX/XX/2021 XXXX XXXX dated XX/XX/2021 XXXX XXXXXXXX dated XX/XX/2021 XXXX XXXX XXXX XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX, XXXX XX/XX/2021 XXXX XXXX XXXX dated, XX/XX/2021 XXXX XXXX XXXX XXXX  dated XX/XX/2021 XXXX Companies dated XX/XX/2021 XXXX Financial dated, XX/XX/2021 XXXX XXXX dated XX/XX/2021 I did not give any of these corpo

rations permission to request a credit report and have asked these agencies to remove this information asap, this has not happened. Please help me solve this issue. Thank you
Product: Credit reporting or other personal consumer reports

Dear ChexSystems Dispute Resolution Team, I am writing to formally dispute the information on my ChexSystems report. This is a result of identity theft I do not own any of these accounts and I want these inquirys removed immediately. 

Inquirer : XXXX XXXX XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX  ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX ; l Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX, XXXX ; On Behalf Of : XXXX XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX ; On Behalf Of : XXXX XXXX, XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX ; On Behalf Of : XXXX XXXX, XXXX ; Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6 dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Student loan

In XX/XX/2018Navient took ownership of my FFEL Student Loan. That loan has been in good standing for at least the last 10 years with XXXX and then XXXX, with no issues. I had been paying {$450.00} to them for a few years with no problem. 

When I was notified about Navient taking ownership of my loan I was told to wait for them to contact me. I did just that. I spoke to a Navient representative on XX/XX/XXXX and was told that I had to establish a new account with them and needed to discuss repayment options. 

I gave them all the information they requested. I requested that my loan be considered for forgiveness given the account has been in good standing for 10 years and I've been paying the loan off over 18 years so far. Anyway, he said that i'm not eligible because my combined household income is too high. He then proceeded to say that the only repayment option that I'm eligible for is a revised income repayment option @ {$330.00} per month. I refused stating that with the previous agreement I was on track to be paying the loan off for another ten years. I told the gentleman that I don't want to be paying off my when I'm retired and on social security. So, {$330.00} is too low. I wanted an option comparable to what I was paying to shorten the amount of time and interest paid, or loan forgiveness. He said He'd talk to a supervisor about other options. Then, he hung up on me.