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

Beginning in XXXX, 2021 and continuing to the present, XXXX 2021, I have been unable to withdraw my USD XXXX from Binance.US service. I have submitted multiple support tickets to their service, reached out to their social media team on XXXX and their social media team on XXXX and have been met only by canned responses and a general unwillingness to help me resolve the issue. 

Specific inquiries directly to their support system have been made by me on : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 None of these have gotten even remotely close to fixing the issue. 

My issue : when I attempt to initiate a withdrawal of USD XXXX  via ACH transfer or Wire transfer from my Binance.US account, I never receive the " disbursement confirmation e-mail '' from XXXX XXXX XXXX or Binance.US despite having followed all recommended protocol to the letter and whitelisting all known e-mail addresses and aliases. The issue is solely with their service and yet they refuse to take any steps to rectify their broken system. 

Since this issue has persisted more than half a year I have to assume that this is willful negligence to defraud me and withhold my funds as any business operating in good faith would have fixed an issue as serious as this months ago. Binance.US and XXXX XXXX XXXX are currently withholding over {$5000.00} of my money and refusing to all me to withdraw it.
Product: Checking or savings account

I ordered laser checks from a branch of the bank and I was charged a fee. The checks were not what I ordered and they were not picked up at the branch. The branch then reordered the checks and I was charged another fee - but the original check fee was never reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a request for validation to the debt collector ( XXXX XXXX XXXX ). Although they sent debt collection notice and verification. They have failed to properly validate the debt is mine by XX/XX/XXXX which was the deadline to the 30 day validation window. I would like Experian to take the collection off my credit report as is my right under the Far Debt Collection Practices Act. ( FDCPA )
Product: Debt collection

For years I have been trying t

o find out 2 pieces of information from Navient : 1 ) What time of day is interest computed for each of my 10 loans? 2 ) What time of day is that interest added to each of my 10 loans? Navient refuses to disclose the answers to these two simple questions. I request an open response to this request on this CFPB forum.
Product: Debt collection

Some time ago ( several months, I believe ) I began having daily phone calls on my cell phone. I did not recognize the phone number and therefore I did not answer, assuming it was robocalls/scam ( My # is on the Do Not Call list, but I often receive the calls and no longer answer. ) Finally, after months of daily calls, they left a voicemail claiming that they were with " Wakefield and Associates, attempting to collect a debt ''. I have excellent credit, I have nothing in collections and I do not even have a single late bill, so I knew this debt they were referring to was not mine. I am on a fixed income and my cell phone plan is very basic, with limited minutes and so I immediately wrote them a letter explaining all of this. I also told them not to call my phone anymore and I gave them my correct mailing address and said that if they insisted the debt was mine, to send the amount, original creditor and the date of service to my mailing address, but NOT to try to contact me by phone again. The letter was mailed XXXX17. I continued to receive phone calls every day, except on weekends. I have not received anything in the mail from them. I started keeping a log after I felt they had time to receive my letter. They have called : X/X/17, X/X/17, X/X/17, X/XX/17, X/XX/17. I realize it may take more time to receive a reply from them by mail, but they have had the letter long enough to stop calling my phone!
Product: Credit card or prepaid card

Orginal first complaint : I had a joint account with pentagon credit union with my wife in XXXX we divorced, sold our home, and paid all of our credit cards off I wanted to close the account out but pentagon assured me i could just be removed from the account. we talked and i asked for an email with evidence of it to make sure. i was sent an email the day of my removal with a balance showing i did talk to them, i also was removed from most parts of it but they missed one thing. later on i noticed it on my credit report, i called many times, they said they couldnt find any link of it so i submitted for it to be removed from XXXX twice but they Pentagon then would say i am part of it. my ex died recently and then i get a call from pentagon saying im on the hook for it, I have called many times since and keep running into issues. the second before the last time i called, a lady finally found me linked to the account but her supervisor told me tough luck even though i explained the chain of events. the last time i called they wouldnt talk to me till i submitted my id cause they couldnt verify my date of birth when i called. this is stressful and i feel powerless to do anything outside of spending a ton of money to prove this isnt fair so my credit score isnt killed completely cause they are dinging me for late payments since her death. 

addition : That complaint was closed when they showed that I had at one time added myself to the card like I was denying I was added to the card. I am stating that I talked to penfed and they said they removed me and their argument is that they dont have any evidence of the call or even see how this could be a failure on their end. 

I have bank statements from XX/XX/XXXX, when a call was made to penfed to pay off the card. At that time and one other time I talked to another person who assured me, regardless of their official response that I was at fault for them lying to me. My name after that call was removed from any reference to the card but not the liability which is what I requested on the phone. 

This idea that I would pay the whole card off, and then want myself to be liable for my now ex wife 's card is insane. I wanted to close the account, penfed assured me I didnt have to, if I were to get legal people involved and they asked for that conversation would your company still say I am liable even when you can see clearly and common sense wise, exactly what I was trying to do. This is not me wanting to remove myself of debt, there was none, it was paid off, I was asking to be removed when it was basically zeroed out after paying it all with a one time XXXX payment and a request to not be liable for anything after. 

I have an email from XXXX XXXX and XXXX XXXX from Penfed after a similar conversation where he sent a follow-up email with the current balance at the time.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX  during which I was subjected to coercion and exploitation. As a result of this experience, several adverse credit accounts were opened or debts were incurred without my consent or knowledge. These accounts have caused significant financial and emotional hardship. 

I am requesting the removal of these fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) and the Debt Bondage Repair Act ( DBRA ). The accounts in question include [ e.g., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, etc. ], which I have detailed in my supporting documents. 

I have attached a XXXX XXXX XXXX XXXX XXXX XXXX issued by a recognized XXXX certifying my status as a XXXX XXXX, as well as additional documentation to support this claim. I ask that these accounts be blocked and permanently removed to reflect my rightsasasurvivor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report information on my credit report that is over 7 years old and incorrect. This information is incorrect. They are in violation of the following : 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

Summer of 2024, received notice from Bank of America that my XXXX XXXX credit card was to be deactivated due to non-use. I didn't respond and chose to let it expire. In XXXXXXXX XXXX, Bank of America sent me a XXXX XXXX XXXX that I had not requested. I destroyed and disposed of the card and did not activate it. On XX/XX/year>, I received a collection call from Bank of America informing me that I was XXXX XXXX behind in my payment and owed over {$18000.00}. 
I requested referral to the Fraud Division to begin and investigation. Since then I have simultaneously been issued a statement that the balance owed was {$0.00}, then received another collection call that the balance was over XXXX XXXX once again. During my subsequent call to the Fraud Division, I was told that their investigation was closed and that the debt was still owed. The person on the phone admitted to not having looked at the file, opting to transfer me to another office, which chose to connect me to Customer Service, rather than anyone in supervisory capacity within the Fraud Division. 
My Certified mailings were received by them, but not acknowledged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my auto loan that I had with Chase. The Loan is with XXXX now. I submitted proof of the payoff but Chase will not show the loan as paid off on my credit report and continue to try to charge me late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this XXXX is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the unverifiable items that is UNKNOWN to me. I called TransUnion and XXXX after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Name : XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX and Accounts : XXXX XXXX, XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. XXXX of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by TransUnion and XXXX not blocking these accounts is inadvertently resulting in me being extorted.
Product: Checking or savings account

I paid a fee to Bank of America on XXXX XXXX, 2017, to stop payment on a check. I requested the payment be stopped the same day I wrote the check ( which was for {$990.00} ). The check went through and Bank of America has not refunded my money. I have a paper trail from Bank of America verifying the stop payment request. 

The letter from Bank of America admits that we " issued a stop payment order on XXXX XXXX, 2017 for {$990.00} against check number XXXX XXXX XXXX XXXX XXXX. '' ( The quote is taken from the Bank of America letter. ) The letter goes on to say that Bank of America is refunding our {$30.00} stop payment fee " as a courtesy. '' I fail to see the courtesy here. We have the evidence that we paid for a stop payment on check number XXXX. Bank of America admits that we paid it. However, Bank of America allowed that check to go through. 

For me, as an individual customer with Bank of America for 27 years, this is outrageous behavior! I am deeply hurt and disappointed by my bank. The {$990.00} is a lot of money for me. I need that money returned. Surely a huge institution like Bank of America can do right by a customer who has been with them for 27 years. 

The mistake belongs to Bank of America. I place the stop payment order and paid the {$30.00} bank fee to do so within two hours of writing the check. Bank of America did refund our {$30.00} stop payment fee but has refused to refund the {$990.00}.
Product: Consumer Loan

My husband and I purchased a vehicle from Herbies in XXXX of XXXX. Due to a large car payment we could not afford to maintain the contract. We surrendered the vehicle as a voluntary repossession in late XXXX. The amount of the repo totaled around {$7000.00} that went to collections. This led to a garnishment of my husband 's wages which is our only income because I have XXXX XXXX and I have been denied and appealing to Social Security for seven years now. The garnishment was every two weeks until it was paid in full at the rate of {$450.00} to {$550.00} per paycheck. I know there was a court order to refund consumers per a lawsuit to Herbies/YKS but not to included charge offs. However, I believe that we were still victims of this lawsuit as we did pay off the contract owed to YKS, therefore, we should be entitled to a refund because we paid for these undisclosed fees listed in the court ordered lawsuit. Please notify us of your findings and the reasoning of the results. Thank you very much.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

Subject : Formal Complaint Against Bank of America for Unfair Denial of Refund for Finance Charges To Whom It May Concern, I am filing this complaint against Bank of America for their refusal to address a reasonable request regarding a significant finance charge on my credit card account. As a long-time customer with an excellent payment history, I am deeply disappointed by their handling of this matter and the lack of transparency or accountability in their decision-making process. 

The issue arose when I mistakenly paid an incorrect balance total on my credit card. This resulted in finance charges of {$470.00}, which appeared on my next statement. Upon noticing this error, I immediately paid the full balance in good faith. Given my consistent track record of on-time payments and responsible account management, I contacted Bank of America to request a one-time courtesy refund for these charges.

Unfortunately, my request was denied without any explanation. No manager was made available to review my case, and the representative I spoke with suggested that I could close my account if I was dissatisfied. This response was dismissive, unprofessional, and failed to acknowledge my loyalty as a customer. 

A reasonable resolution would have been to grant a one-time courtesy refund for the {$470.00} finance charge. I believe this request was fair, particularly since the balance was paid in full on the subsequent statement. Instead, Bank of America chose to disregard my history as a responsible customer and offered no justification for their decision. 

This experience reflects poorly on Bank of Americas treatment of long-standing customers and raises concerns about their commitment to ethical practices. I kindly request the CFPB to investigate this matter and ensure that the bank is held accountable for its lack of customer support and transparency. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

The following account i do not believe to be mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax
Product: Checking or savings account

I have an account with Paypal, who decided to lock my account despite it having a valid password, and the account having been validated by phone several times. They have now fully locked my account, and say this can only be open by calling their telephone center. However, calling the center leads to a message that says due to Covid-19 they have suspended the telephone center. Meaning there is no way to resolve access to accounts with Paypal right now.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the continued reporting of the XXXX XXXX account, [ Account XXXX : XXXX ], which is listed as a charge-off on my credit report. This account was closed and paid in full as of XX/XX/year>, and yet it is still being updated monthly as a charge-off. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and complete information be reported to the credit bureaus. Since this account is no longer active and has been paid, there is no reason for it to be reported as a charge-off, and I am requesting that you immediately remove this account from my credit report. 

As part of this dispute, I am submitting [ payment confirmation ] to support my claim. This documents confirm the accounts closure and payment, and I believe it should be sufficient to resolve this matter. 

I request that you investigate this issue and remove the inaccurate reporting of the charge-off from my credit report immediately. Please send me written confirmation of the removal of this account from my credit file once the correction has been made.
Product: Checking or savings account

I quit my job on XX/XX/year>. I have a high-deductible health insurance plan with an associated HSA account . I opted to set up COBRA for health insurance, which allows me to continue contributing to my HSA plan. I set up my COBRA account, and a new HSA account was associated with the COBRA health plan. New HSA debit cards were issued, and this process took several weeks. 

On XX/XX/year>, I received an email from my old company stating that an audit had shown that they had missed crediting me with a payment to my HSA account. They said they would work with the custodial bank ( UMB ) holding my account to temporarily release it back to the company to fix the issue. Their fix involved marking me as an employee, which automatically closed my new UMB HSA account, canceled my newly received UMB HSA Debit cards and transferred money to another UMB account. This happened without UMB bank notifying me or requesting my ok or permission. This canceled tUMB HSA Debit cards, which I was just issued, were declined at the pharmacy and my doctor 's office. This is what caught my attention. When I called the UMB Bank they said the account was closed and I needed to speak the 3rd party administrator - XXXX XXXX - since they were the ones that closed the account. 

When I talked with XXXX XXXX, they blamed the HR department of my old company, saying they reactivated me as an employee, which caused the cascade of events. I can't even get reimbursed online because I no longer have the XXXX debit card associated with the account. I cut it up once I received my new UMB HSA debit card. 

So here I am, having to pay out of pocket for my medical expenses while XXXX, UMB Bank, and my former employer all point fingers at one another. This is a horrible way to treat someone when it comes to their own hard-earned money. There is very little recourse for me except to wait for it to be straightened out, but it only took them 1 day to snatch my access. This is not right or fair. My former employer was trying to do the right thing but they should have never been allowed to access my account once I quit the company. XXXX and UMB Bank should have recognized that I was their customer not my former employer.