23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Chase bank uncrecognized hard inquary was reported on my XXXX  report, I did not made this hard inquary, please help me to remove
Product: Money transfer, virtual currency, or money service

I sent {$200.00} USD to XXXX on XX/XX/2020 with the agreement that it would take " 0-2 days '' for the transfer to show in the receivers bank account, The XXXX XXXX XXXX. Once the transaction is completed, I received an email stating it will be deposited " by XX/XX/2020. '' I am now being told that the received needs to be registered with a third party bank in XXXX prior before the transaction can be completed. The third party company was never mentioned at the initial and during the transaction. The receiver does not meet all the requirements for the third party and now I am being told I can not get a refund, I will have to wait on when they get the funds back to Western Union. I also called Western Union, spoke to XXXX twice and XXXX several times which resulted ion me being disrespected, hung upon, refused a supervisor, promised a call from a supervisor within hours, transferred to a ringing number with no answer or voice mail.My email today is to let you know that Western Union breached our contracted ad did not provide full disclosure prior to taking my money. It is now XX/XX/2020 and the receiver is not in receipt of the funds. Western Union mislead me to believe the money will go to XXXX XXXX XXXX XXXX and within 2 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, XXXX TransUnion, I received a copy of my credit report and I have found the following items listed below to be in error. 

Pursuant to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the Payment due date. 
I NEVER gave You, CREDIT REPORTING AGENCY OR ( XXXX ) ( XXXX ) any written instructions to furnish Any information on my consumer report which is a Violation of 15 USC 1681b. 
Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 
You CREDIT REPORTTING AGENCY, should be ashamed of yourself for ASSUMING this role and Position. 
To constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following account were NEVER late and should be listed as PAYS or PAID AS AGREED GOODLEAP I was never late on XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XX/XX/2023 on this account please update the account as Paid/Current. 
XXXX I was never late on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 XX/XX/2023 By the provisions of the fair Credit reporting Act, I demand the these Items be investigated and removed from my report and I demand that you proving me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with The creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec 168i ( a ) you must complete this reinvestigation within 20 days of receipt of this letter. 

Please send an updated copy of my credit report Reflecting the requested XXXX. 

Best Regards, XXXX XXXX ( Agent Beneficiary ) Without Prejudice, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was reviewing my credit report and notice an account that I do not recognize. I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
Product: Checking or savings account

On XX/XX/2021, I attempted to log into my Marcus by Goldman Sachs personal savings account at which point I discovered it was locked. I then immediately called the customer service number listed, and after waiting for a cumulative time of 23 minutes on hold, I was unable to be transferred to the specific team who had closed my account and would need to reinstate my account. Customer service then told me that this specific team would call me back " at some point '' and that there was nothing I or they could do in the meantime. I then requested to transfer my funds out of the account so that I could close the account and terminate my relationship with Marcus by Goldman Sachs, however, the customer service team told me I could not do that. As of now, Marcus by Goldman Sachs is preventing me from accessing my funds without providing any explanation and without allowing me to reach the team responsible for locking/unlocking my account, therefore I am requesting the CFPB 's involvement to investigate. 

Additionally, on XX/XX/2021, when initiating a small transfer of funds from my Marcus by Goldman Sachs account to another personal bank account at another financial institution ( which I am the account holder of ), I received an unorthodox call from Marcus by Goldman Sachs informing me that I needed to provide a phone number for the receiving financial institution in order for the transaction to be reviewed and completed. After inquiring into the nature of this unorthodox request, I provided the customer service phone service number of the receiving financial institution ( which is obtainable via a simple internet search ).
Product: Credit reporting or other personal consumer reports

This is my 11th endeavor 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, block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Interest rate was lowered from 6 % to 1 % and applied retroactively. However, the payments went purely towards interest and not principal, as I as instructed they would. Also, XXXX the manager who handled my claim mistyped my bank account number to where it was showing XXXX withdrawals even though I was on autopay and did n't change my account information. I requested a formal letter of the transaction history and where the money went a week ago with no response. I 'm currently on the phone with a rep who said, " I will hang up this phone '' with no answer to where the additional money went to.
Product: Debt collection

As far back as XX/XX/XXXX I requested debt validation from ARS in which I did not receive a response. On XX/XX/XXXX I sent them a letter notifying them that the account has not been removed which is a violation they should have deleted the account, investigate the account, and provide me validation of the debt. I received no correspondence from the company. I then took a closer look at my credit report and it also appears that they re-aged the alleged debt because the date of last activity reports XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ).
Product: Payday loan, title loan, or personal loan

I submitted a pay off check which is what THEIR system indicated balance was and once they received my check they said that was not my payoff balance. I am tried Mutiple times to get this straight but they not want to work with me. They provided incorrect account balance on their system. They made the pay off process very unclear and confusing. I feel like I have been treated unfair, now my credit is being reported negatively. This has been the most painful process and company to work with. My check was returned and they are STILL charging more interest when I tried to pay off this loan.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the credit bureaus numerous violations related to my credit report. The conversion accounts has violated my rights. 15 USC 1681 section 602h states I have a right to privacy. 15 USC 1681 section 604A section 2 states consumer reporting agencies can not furnish an account without my written instructions to publish anything on my credit report. The credit reporting agencies has willing fully and recklessly reported false information after being notified of the reporting error and failing to investigate or correct the error, including mixed file, inaccurate balances, inaccurate remarks, inaccurate late payments. Re-inserting or re-reporting a previously deleted item without notifying me in writing within 5 business days of re-insertion. Failure to respond to a dispute within 30 days ( or 45 days ). Failure to update or report the status and/or balance of an account that was included discharged balance. Failure to provide the method of verification, including the real name, address and phone number of the furnisher within 15 days of the request. Failure to notate that an item on my credit report is under dispute after a creditor or debt collector reports a dispute. Failure to provide all relevant information ( i.e, documentation providing my case ) to the furnisher when reasonable means to do so. Ignoring an investigation request. Withholding account data with the intent to negatively affect a consumer credit score ( i.e, credit limit, balance, account, status, etc ). Falsely reporting the ownership of accounts and negatively removing accounts that are paid balances. Falsely reporting inquiries on my credit report that do not belong to me to negatively impact my credit score. Credit bureau does not have a permissible purpose to place items on my credit profile. Credit bureaus have falsely reported late payments to negatively impact my credit score. I do not have a firm offer of credit with consumers listed on my credit report inquiries. As you can see the credit bureaus continues to re-upload false information on my credit report even after I have provided evidence. I am requesting that the credit bureaus be held accountable for their false reporting 's and re-uploading false information to negatively impact my credit score, credit profile. Items in which the credit bureaus has listed on my credit report are inconsistent, inaccurate, and not timely which all are in violation of of the Fair Credit Reporting Act. The false reporting has caused my credit score to be inaccurately reported. I want all the items that negatively affect my credit score to be deleted from my credit report for each credit bureau, All Late payments, charge offs, derogatory items, collections, inquiries, inconsistent information that I provide evidence that it's inaccurate, inconsistent, and not timely report. This has caused me and my family hardship because the credit bureaus continues to violate my rights.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inconsistent information regarding the closure date of a credit card account listed on my credit report. Specifically, the closure date is reported differently on my credit report from XXXX, XXXX, and XXXX. 

I am requesting that you investigate this matter promptly and take the necessary steps to correct the inconsistent information. I have attached copies of documents that support my claim. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to a written verification or rebuttal of the disputed information. I also request that you notify all creditors who have received my credit report containing the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND these XXXX accounts to be REMOVED/DELETED from my credit report. These items are listed as charged off. Meaning the creditor has filed IRS Form 1099C, which is cancellation of debt form that changes the debt status to ordinary income. 

It is illegal to report income on credit report therefore the 15USC1681 ( e ) ( b ) is in violation XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is at least my second complaint filed for the same exact reason. My Social Security is Direct Deposited to my checking account. When I try to make purchases of XXXX cents, {$100.00} or {$500.00} my transactions are cancelled. I get a text message only 50 percent of the time asking for authorization, but when I retry the transaction its still denied. Ive missed out on almost everything I wanted to buy for over a year as though I have insufficient funds or the card isnt mine. Bank of America doesnt let me spend money when I want to because they are protecting me from fraud even if its only XXXX. I just cant explain what its like to watch everyone around you buy nice things and have to sound like you are lying about being able to get bank account to work ( instead of having money ), or be in line in a crowded store having to go though this embarrassment. I should always be able to access my account, especially after sms authorization, anytime of day and anywhere visa can be used.
Product: Mortgage

New Servicer Columbia State Bank, XXXX, WA XXXX has not paid property taxes. I received a notice from the treasurers office. I've made multiple attempts to get information from Columbia State Bank with no response. I've left multiple messages, and the person answering the customer service line states " we know there's a problem, we've received multiple complaints, we will notify you when we know more or a supervisor will call ''. I've not received any calls or notifications from Columbia Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I attempted to obtain my credit report from Equifax on the XXXX website. I completed the information and got this response with np explanation. This was the response. Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 

As a XXXX XXXX I should n't be treated this way. I tried to contact them with no response. I wish to make a formal complaint about their failure to comply with federal law. There response makes it difficult for myself and I believe violates the Americans with XXXX XXXX. What are the procedures to formally censure the Equifax for not following the law? Thank you,. 



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

I am filing this complaint to dispute certain account that appear on my credit report, which I believe to be fraudulent. I request that you investigate and remove it from my credit report, as it's not valid and do not belong to me. I kindly request that you conduct a thorough investigation into this fraudulent account and promptly remove it from my credit report. This account do not belong to me, and their presence is negatively affecting my creditworthiness. Please find below the details of the fraudulent accounts : XXXX XXXX XXXX. Please delete this account immediately.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX -Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX -Date of inquiry : XX/XX/2XXXX XXXX -Date of inquiry : XX/XX/20XXXX XXXX XXXX XXXX -Date of inquiry : XX/XX/2023
Product: Credit reporting or other personal consumer reports

On XXXX XXXX a XXXX  account was opened without my knowledge and is fraudulent ON XXXX XXXX a XXXX XXXX XXXXXXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX XXXX a XXXX XXXX XXXXXXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX XXXXXXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX  hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXXXXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX XXXX XXXXXXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXXXXXX XXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX XXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX account was opened in my name fraudulently and I did not consent to this account being opened in my name
Product: Debt collection

This company continues to call harrassing my elderly parents, the business office of my ex husband and myself. Identifies through voice mail the personal information that he should only be sharing with myself. Also, I asked for him to provide me in writing the information of this debt, as I do not have any knowledge of it, and when I requested this information he became very rude. All I want is this information in writing and for him to quit calling my employment and my family members. He has my number and address if he needs to get ahold of me.
Product: Money transfer, virtual currency, or money service

Binance US is not allowing me to withdraw money due to a " risk management issue ''. I initially tried to withdraw around XX/XX/XXXX. This was the first confusing part given there is no link as of how to resolve this issue. I let it sit for a few days, figuring something was wonky with their margin requirements. 

After trying again, a few days later, the mystery issue persisted. searched their site, and found no mention as well. As a result, I contacted support who gave me more information. 

I attempted to resolve the issue when given steps from their support, who asked me to state : " My name is [ First and Last Name ], today is [ Today 's Date ] my e-mail is [ your email used for registration ] and I acknowledge that I registered for a Binance.US account and I will be the only person with access. I confirm that I am logging in from a supported state. '' in a video. The support ticket was XXXX. 

Since submitting this request on XX/XX/2022, I have heard no response and have not had any access to transfer my money to my checking account. It is effectively illiquid at the moment. 

This is shady. To me, they make withdrawing capital extremely hard, probably due to volatility in the markets and their margin requirements. This is extremely anti-consumer and hurts folks who may need their money back within a reasonable ( 5-10 business day ) timeline.
Product: Credit reporting or other personal consumer reports

These accounts were paid off in full. See attached letters. These accounts are all inaccurately listed as past due charge off/collections, which is also INACCURATE because a charge off/collections can not be listed as past due. Also all of these accounts were paid in full, per all of the attached letters. These accounts should be removed since they were paid off years ago. The credit reporting agencies ' dispute department has failed to correct the inaccurate payment status ( which should state " PAID '' ) and the agency has failed to correct the payment status to " CLOSED : PAID AS AGREED ''. ( XXXX and Transunion ) should not be allowed to post and/or re-post inaccurate information to my credit files, at all, since the inaccuracies are abundant and constant. The following accounts should have a PAID payment status and a PAID account status and nothing should be listed as delinquent. 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  ). 

One or more of the following FCRA laws have been violated : 15 USC 1681 section 602-A states that I have the right to privacy. 15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. Nor list inaccurate payment histories or false status or comment notes on my credit file. 15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my report. Its been way longer than 30 days and I have not recieved any investigation results.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, these accounts and inquiries were made without my knowledge or consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), you are required to block and remove any information resulting from identity theft upon request.

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$2400.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX  - {$6200.00} XXXX - XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3200.00} Fraudulent Inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX