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

From XX/XX/XXXX - XXXX, I unsuccessfully attempted ten cryptocurrency withdrawals from Binance.us. Each time, it stated I needed to verify the withdrawal in an email from them, which I never received. My email was working normally, I XXXX each email address that Binance.us specifies on their site, and I checked my junk and deleted folders. I never received any emails from them to verify the withdrawal. During this same time period, I submitted multiple support tickets. I finally received a response on XX/XX/XXXX, one week after submitting my first help ticket, asking if I still needed help. I responded the same day stating that of course I still need help, nothing magically changed and they still had not provided any support. As of XX/XX/XXXX, I have not received any response from Binance.us, and I still can not withdrawal my cryptocurrency funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 a dispute about three different collection agencies balances was submitted. Those balance for those accounts haven't changed even though I've paid them. The balances also has changed with Experian, but it has with XXXX.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiries and a fraudulently opened account currently in collections. XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, Collections account : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone keeps using my identity to try to open credit cards in my name. Transunion is reporting hard inquiries on my credit report that were never authorized by me. These hard inquiries are a result of identity theft. They have no permissible purpose and were never authorized by me. I have tried calling and speaking to Transunion agents on multiple occasions. They have not been helpful in any way and they refuse to correct the situation. At this point, Transunion is knowingly furnishing a consumer report about me with inaccurate information that is causing serious damage to my personal reputation and violating my rights as a consumer. 
The hard inquiries that are a result of identity theft are : ( XXXX  XXXX XXXX on XX/XX/XXXX ) ( XXXX  XXXX XXXX on XX/XX/XXXX ) ( XXXX XXXX  on XX/XX/XXXX ) and ( XXXX XXXX  on XX/XX/XXXX )
Product: Checking or savings account

on XX/XX/year> I used my XXXX XXXX debit card to access a mountain America credit union ( Macu ) atm to deposit cash. Not knowing that I was no a credit union member, the atm machine accepted my cash deposit of {$470.00}. 
I was in Utah on vacation skiing, and to make things worse I lost my XXXX XXXX debit card and the deposit receipt the next day. 
On XX/XX/XXXX while in Utah I went back to the Macu branch to inquire abt my mistake in depositing cash with a non member back and the teller at Macu told me that I had to wait 1 week so that Macu could collect & reconcile activity at the branch atm.

By then I had returned to florida, and I called Macu on XX/XX/XXXX I called the Macu branch and they confirmed they found deposited money equal to my {$470.00} from a non member but they told me I needed to contact my bank XXXX XXXX and their fraud department to coordinate with Macu.

After several months with several departments, on several calls, with both weeks XXXX and Macu neither could agree to reconcile my errant deposit.

In our last call with Macu, they said it was wells responsibility to reconcile. On our last call with XXXX XXXX in early XXXX XXXX XXXX said Macus request would not conform with their compliance and suspended supporting me. 
Lastly, despite a strip and computer chip XXXX XXXX do not have any record of my debit card accessing Macus atm. 
Lastly, we contacted visa as well but they refused to support as they said it was a banking issue and not merchandising.
Product: Credit card

Had a JCPenney credit card since 2020. Always made timely payments. I received a letter stating Synchrony closed my account on XXXX a few days after paying off the total balance. I called synchrony for further clarification since the account has always been in good standing. Per synchrony, there were XXXX returned payments in the last XXXX months and the account was not eligible for reinstatement since it was closed. No further assistance or information was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep trying to call the credit cards during the coronavirus and they wont answer.
Product: Credit reporting or other personal consumer reports

My credit was breached and found on the dark web for the past 12 months. I discovered this using a credit repair company. Over the last 12 months I have had people pulling my credit without my knowledge.
Product: Checking or savings account

Truist Bank opened account online. Truist closed account with no notice stating potential fraudulent new account. No communication except I was locked out of my online account one day after I opened it and funded it. Where is my money???
Product: Vehicle loan or lease

The issue I am facing is a refund of the GAP insurance for a vehicle that was paid off on XX/XX/year> to XXXX XXXX - Finance Manager, and he insured me all would be taken care of at that point I was told it would take 6 to 8 weeks which I understand nothing moves fast if money is owed, I spoke to XXXX XXXX the Manager in charge of Finance and he told me that they are holding my money so the lender can pull it and release it to me, thus not paying me twice for something which is understandable, however when I contact the Lender they tell me they have nothing to do with the GAP since it was through XXXX and not directly from them. Therefore, I would like to get closure on receiving a refund in a timely manner.
Product: Credit card or prepaid card

I've contacted Aspire twice by mail ( letters dated XX/XX/XXXX and XX/XX/XXXX informing them that I am having difficulty making payments as I have been furloughed from my employment due to the covid-19 crisis. I've told them I do not know when I will be called back to work and I am running low on my savings. I've offered to make a one-time payment of {$250.00} from my covid-19 stimulus payment if the balance can be considered paid in full. The account is closed and the balance due is XXXX. 

They wrote me back and said they would defer the XXXX payment however it was taken out of my account. I called them on XX/XX/XXXX and spoke to a representative who told me that no settlement can be made since the account is not in default. 

My economic situation is already dire and now they want me to be in default with potential harm to my credit before they can even accept my settlement offer? This is not good business especially in light of this national crisis.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX - Late Payment XXXX XXXX - Late Payment XXXX XXXXXXXX - Repossession XXXX XXXX XXXX XXXXXXXX -Collection XXXX XXXX XXXX XXXX XXXXXXXX -Collection XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Late Payment XXXX XXXX  -Collection XXXXXXXX XXXX XXXXXXXX -Collection XXXX XXXX -Collection XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I took out a loan from a XXXX XXXX Speedy Cash store XX/XX/XXXX. I had been taking out payday loans at a different store and could not afford the payments. I figured that taking out the loan at Speedy Cash would help me pay off the other loan, but that was not the case. I borrowed {$250.00} and paid {$45.00} in fees. When I had to pay 2 weeks later, I was still in a hole and could not pay off the whole loan, so I renewed. 

I fell behind on my electric bill and had to continue taking out the loan. Eventually I was behind on my rent and event my gas bill because I continued to pay the fees to renew the loan. I felt trapped because I felt like I kept falling behind and could not stop renewing the loan. At one point Speedy Cash offered me a car title loan and it was tempting, but I was already being hurt by the loans I had and could n't take a loan that would hurt me even more. 

XX/XX/XXXX I XXXX and had to go on XXXX after not working for 3 months. I was more behind than ever and I had to stop paying the loans. I did n't know how to stop because Speedy Cash had access to my bank account. In a desperate attempt to stop with these loans, I visited my bank and took out all my money before closing down my bank account. I knew it was going to affect my credit, but I had no other way out. 

A bit after that I began receiving calls and letters asking me to pay back what I owed. At XXXX point I even received a letter telling my I qualified for another loan, which made no sense since they were actively trying to get me to pay my previous loan. XX/XX/XXXX I owed Speedy Cash {$310.00}. Now, almost 2 years later, I continue to receive calls and letters asking for their money. The last I heard from Speedy Cash was last month, and I need help to get them to stop.
Product: Credit reporting or other personal consumer reports

My information was exposed due to the Equifax data breach. I have been having issues every since.
Product: Credit reporting or other personal consumer reports

Im submitting a XXXX to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX / XXXX XXXX Transunion neglect to report accurate address. They all XXXX failed to update correct address.
Product: Checking or savings account

I been trying to access my chine account for a week..I sent in all the requested information..and explained to them that I would get fired from my place of employment if I continue to miss days and a week later still no access to my account..im now unemployed and still can't access my account or my money
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Midland Funding is reporting a debt on my credit that is not mine. I recently checked my credit file and noticed this debt on there. It looks like they are trying to collect for XXXX XXXX. I have never opened an account with XXXX XXXX or any retail credit cards and this is someone else 's collection. I've had the same issue of receiving things for someone with a similar name. This debt is not mine and should not be reporting on my credit. I suggest Midland Funding finds who this debt belongs to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This account is incorrectly being reported as a charged off account with a balance due. Also I was apart of the lawsuit settlement XXXX XXXX XXXX XXXX. 

XXXX  XXXX BANKRUPTCY This XXXX XXXX bankruptcy is reporting a status of discharged but my credit report is still showing a balance due on a Installment account that was opened prior to the bankruptcy on XX/XX/year>. 

XXXX XXXX XXXXXXXX MY DATA WAS EXPOSED IN THE XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Apartment was looted cards taken used fraudently beyond account limits bank XXXX XXXX should not have allowed fraudulent charges I submitted DC police report XXXX on the looting and fraudulent transactions. XXXX XXXX XXXX repeatedly allowed fraudulent transactions beyond account limits and XXXX XXXX XXXX has not accepted responsibility. 
I had XXXX secured credit card with no overdraft no cash availability and XXXX XXXX XXXX allowed cash transactions all the way to almost XXXX in one month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This report shows a record that is false. 
I am not now nor have I ever been a XXXX XXXX. I have never been charged as a XXXX XXXX. And I have never been convicted as a XXXX XXXX. This is false information. 
It shows in bright red a fine of {$440.00}. 
I am not sure what that would be. 
I received a ticket for no insurance when my husband left me. He canceled my insurance, emptied our account, and changed address on these things. So I never got notified that my insurance was canceled. Nor that checks had bounced. I was given a ticket for no insurance and had 10 days to report to the XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was very ill. And wound up hospitalized for over a week. And had XXXX XXXX XXXX XXXX XXXX. After being released from the hospital XXXX XXXX XXXX for not paying the fine. With stitches from XXXX and everything. I bonded out. And went to the court in XXXX, Texas. Where the judge gave me community service to pay the fine. I did the community service at XXXX in XXXX. TEXAS. THIS HAS BEEN TAKEN CARE OF.
Product: Mortgage

Mortgage Servicer : Stonegate Mortgage ( per website, now XXXX XXXX XXXX ) I am an XXXX at XXXX XXXX XXXX XXXX XXXX. I represent a XXXX-speaking borrower who is currently divorcing from her abusive husband and co-borrower. The separation triggered loss of income and nonpayments of the monthly mortgage. 

I contacted XXXX XXXX XXXX and submitted a hardship application on behalf of my client on XXXX XXXX, XXXX. A Third Party Authorization signed by my client was included in the application. I supplemented the application with the husband 's information on XXXX XXXX, XXXX. Between XXXX XXXX and XXXX XXXX, I was able to talk to the servicer 's representatives without any problem. I was informed that a pending foreclosure had been postponed and that a new auction date had been set for XXXX XXXX, XXXX. 

Unbeknownst to me, on XXXX XXXX, XXXX XXXX XXXX representatives realized that they were not authorized to provide me any additional information because the my client 's husband and co-borrower had not provided a signed third party authorization. I was then cut off from all communications. 

Without my knowledge, XXXX XXXX representatives called my client and sent her subsequent letters requesting more information to process her application. My client, whose XXXX is limited, did not communicate with me to address XXXX XXXX 's request. 

On XXXX XXXX, XXXX, I called XXXX XXXX to check on the status of the application. The servicer 's representative informed me that they did not have a third party authorization on file and could not provide any information. 

I obtained the husband/co-borrower 's electronic signature on a Third Party Authorization form and faxed it to XXXX XXXX on XXXX XXXX. On XXXX XXXX, I was told that the the form had not been processed and that it could take up to 48 hours to have it on file. I resubmitted the forms on XXXX XXXX, XXXX via fax. I called on XXXX XXXX and was told that the authorization had not been processed. I called again on XXXX XXXX, and learned that the authorization had not been processed yet. 

On XXXX XXXX, XXXX I asked to speak to a manager. I was transferred to a Collections Manager who asked me to email the signed authorization to his business email. After receiving the forms, he informed me that the Third Party Authorization form needed to include a physical signature. This was the first  time that a representative looked at the form I submitted. 

I obtained a physical signature on XXXX XXXX, XXXX. I faxed it to the servicer and emailed it to the Collections Manager. The form was not processed until XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I was finally able to speak to a representative who informed me that the hardship application had been withdrawn for failure to provide requested documentation. 

The house is currently in the active foreclosure docket, and it is set for auction on XXXX XXXX, XXXX.
Product: Debt collection

XXXX XXXX Spoke to XXXX XXXX . I submitted the dispute and request to validate debt of {$100.00} for medical bill ( son- XXXX XXXX ). Collection letter dated XX/XX/XXXX. 

XXXX XXXX I received a letter dated XX/XX/XXXX from Collection Co . I received a copy of an invoice for the bill. Although the Medical office biller confirmed there is no balance owed. Although letter is dated XX/XX/XXXX, received the letter in the mail on XX/XX/XXXX. 

XXXX XXXX Spoke to XXXX XXXX XXXX Advised them I didn't receive the letter until XX/XX/XXXX, which was more than 30 days of my dispute. She advised that the collection account was already reported to the bureaus. Then my call was answered by XXXX (? ). He would not confirm any details of the account or about what was being reported to the credit agencies. In a threatening tone would not assist to resolve ; demanded payment, then hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting reporting a delinquent account from XXXX XXXX XXXXXXXX which was beyond the 7 year statute of limitations. According to the information Equifax is reporting the last payment on the account was in XX/XX/XXXX. As of XX/XX/XXXX, Equifax refuses to remove the negative information which is over 10 years after the first delinquency. XXXX XXXX XXXXXXXX continues to report the account as of XX/XX/XXXX, which based on their records is over 20 years after the first delinquency. Their refusal to comply with the law is having a significant negative impact on me. I believe they are discriminating against me due to my age, gender and/or race.
Product: Debt collection

On XX/XX/2021 a " XXXX XXXX '' from " SL Finance '' called and used manipulation to hack into my Federal Student Aid Account and gain access to my Federal Loan information. They then had me sign a fake contract requesting XXXX payment for 5 months to assist with my loan repayment. They also filed a Forbearance Request under my name. They gained access to all of my personal information including social security number, address, and contact information. They stated they were from the Department of Education and a government entity.