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

XXXX XXXX jacked up monthly payment amount after purchase of my original loan from XXXX   XXXX XXXX. The mortgage was on auto pay and I was unaware of short payment. They reported as missing or 30-days late. Despite the phone agent assurance and despite the immediate payment to cover the shortage when I was alerted, my credit score was damaged with derogatory and FALSE reporting as '30-days late '. Despite multiple attempts, XXXX  refused to remove this negative item for over a year. This company 's unfair business practice is well documented on social media. I am reporting this again to show the pattern of their business practice as I now know I was not alone.
Product: Credit card or prepaid card

to start I had a credit card thru amazon. which i had great history with but when covid started i had trouble paying the bill and then activated my credit protection service i was paying for the card. after a while they were paying and after six months, the service was gon na pay my debt in full, after submit the documents and i did that many times and they had a excuse for every time. 

then final amazon closed the account because it was not paid which i faught back and fouth with the people that were going to cancel the debt, which is the service i paid thru amazon for.

after a year now amazon store card is still reporting the card late and hitting my credit and still adding money or charges to the card fees, and etc. which once the card is closed and charged off no more fees added and etc but amazon store card is still adding more fees and etc and still reporting late payments etc to my credit report
Product: Debt collection

On XX/XX/XXXX, Online Information Services Inc was sent a letter pertaining to a debt that I do not believe is mine. I have left the state of New Jersey and moved to Florida in XXXX. Now, Im being told that I owe a debt for services used in XXXX and XXXX. I have a number of issues with this for the following reasons : Knowing how scrupulous XXXX & XXXX is, having been a customer of theirs for a number of years, if I owed even {$1000.00} dollars, utility services would have been suspended and restored ONLY after the owed amount would have been paid. The owed amount would have never made it to reach $ XXXX that the Debt Collector ( Online Information Services Inc ) is claiming that I owe. 

Upon receiving my initial request letter sent to ( Online Information Services Inc ), they have yet to prove they have authority to collect said debt and/or that they purchased it from XXXX & XXXX XXXX I have not received any documentation from your agency validating the debt they are attempting to collect. Under the FDCPA, they are required to provide proof of the debt within five days of initial contact with me. As I have not received any such documentation, I have reason to believe that this debt is not valid. 
I have reason to believe that your agency is not licensed to collect debts in my state ( previously in XXXX in XXXX  ), as required by law. Under 15 USC 1692e, debt collectors are prohibited from making any false, misleading, or deceptive statements in connection with the collection of a debt. By attempting to collect a debt in a state where your agency is not licensed, they are in violation of this law. As per, NMLS Consumer Access, they do not have licenses in Florida and/or New Jersey XXXX 
My credit reports have been severely impacted by the misreporting of this debt collector and I am requesting to have ALL of the mis-reported information removed from ALL of my credit reports. I should not be getting alerts that my credit reports have been compromised with fraudulent debts that are not mine.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX ; Inquiries : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, DEPT OF ED Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Credit card

I have called Macy 's concerning a negative rating on my credit report and they first assured me that the issue would be resolved when I call them back the following Monday. When I made the call they took a very different tone and attacking my character. I mentioned that I always pay my debt with an automatic XXXX XXXX XXXX payment, for example below every month : Dear XXXX XXXX : The following payment has been scheduled : Pay To Account : MACY 'S Account Number : XXXX Payment Amount : {$150.00} Deliver By Date : XXXX/XXXX/2016 Confirmation Number : XXXX Pay From Account : XXXX Account Description : XXXX CORE CHECKING I was not aware that I was behind on my monthly payment and it could have results on some tech error. they refuse to listen and show no empathy or acknowledge my concern.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and outrage at the unashamedly mishandling of my identity theft dispute by your bureau. It is unacceptable that despite providing clear evidence and following all necessary procedures, my legitimate concerns have been ignored and dismissed without proper investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

The accounts listed on my credit report are a direct result of identity theft, a serious crime that has caused significant damage to my financial well-being and personal security. Yet, your bureau has chosen to overlook this fact and continues to report these fraudulent accounts, further exacerbating the harm done to me. 

I demand immediate action to rectify this egregious error and remove all unauthorized accounts from my credit report. Your failure to do so not only violates your legal obligations but also demonstrates a complete disregard for the rights and well-being of consumers like myself. 

Furthermore, I will not hesitate to take legal action against your bureau if this matter is not resolved swiftly and satisfactorily. I expect a prompt response acknowledging receipt of this complaint and outlining the steps you will take to address the situation.
Product: Mortgage

I received a text from Wells Fargo on XX/XX/XXXX telling me to contact them. Curious I looked into my account to find my last 2 mortgage payments were not automatically paid from my account. 

I called WF and found that the automatic payments were cancelled on XX/XX/XXXX. XXXX*I did NOT cancel my automatic payments***. There system just says " customer cancelled ''. Again, I did NOT cancel the automatic payments. Full stop. 

On the call with WF I was also informed that they had been trying to contact me via phone at a number that was not mine. While they had my mobile number, no attempt was made to contact me at that number until XX/XX/XXXX. 

I also immediately paid both the late payments. 

WF has not provided any additional information on how the automatic payments were cancelled. Since I did not initiate the cancellation, I consider this identity theft or system error. Interestingly, while my account shows a consistent pattern of *automatic* payments on the first of every month I randomly got an email from WF on XX/XX/XXXX saying I just made a payment. My record does not show any payment on XX/XX/XXXX because payments are made on the first of the month. I believe this bolsters my case that WF had some sort of systems issue that reset my automatic payment. For this reason I am choosing to publicize my case details because if it happened to me, it probably happened to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a previous complaint COMPLAINT ID XXXX They did not fix the root issue 1. They can not verify me 2. They can not or will not provide a credit score 3. They charged me {$19.00} fee multiple times 4. They sent a paper copy of my report with no score ... 
5. Their operators send me to a survey recording that hangs up - forcing me to recall. 

They did not answer the questions and issues I have ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts in violation : 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 No account number listed 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, 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: Money transfer, virtual currency, or money service

This is to complain against the Binance. 
URGENCY : HIGH IMPORTANCE : HIGH [ WITHOUT PREJUDICE ] I wish to practice my right as a customer of BINANCE to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with BINANCE. 
In order to clear up the myriad of letters and correspondences I have hitherto sent to BINANCE respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case, and analysing the relevant facts in an objective and comprehensive fashion. 
It is crucial to note that I have been manipulated, socially-engineered and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognise that I am the victim of an investment scam. 
My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of BINANCE to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. 
During the complaints process with BINANCE, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients. 
General Obligation : Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation orchestrated by a scammer called XXXX XXXX XXXX ( the " Scammer '' ) with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

In the document attached, I have listed the transactions ( Deposits ) I made through Binance ( XXXX XXXX ) which needs to be recovered
Product: Checking or savings account

I have issues with Chase dating back for a couple years now regarding NSF fees. I do take accountability for my part of negligence of having allowed my transactions in the past exceed my available balance. However, in the past I have placed countless calls to Chase customer service seeking forgiveness and have the fees refunded to me. In some cases I was successful in getting a couple refund and in most cases, was unsuccessful. After having spoken to many agents, I believe there is a shady practice where they are not doing whats right by the customer. In my calls, it was clear I was distraught over the fees and struggling. Many times the agents wouldnsee that I have called in the past about this issue and that I was struggling. At no point did any agent proactively offer a solution that would have prevented this a long time ago, even when I asked for solutions. Come XX/XX/2018 - finally, one agent proactively offered that they could turn off the Debit Card Protection that would prevent one time transactions. Wish agents would have mentioned this a long time ago because in the last 2 years I have been charged nearly {$1000.00} in NSF fees. Again, I take responsibility on my part for not being filligient and looking at my debit card account multiple times a day. However, It appears to me that the leaders of call strategy train their agents not to proactively offer this as a solution so that consumers could potentially go over their balance, thus resulting in NSF fees so that they can collect more money. I think this is a very shady tactic and only benefits the greed of Chase and not provide viable solutions to their consumers for a better experience. Please investigate..
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$30000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$520.00} XXXX  XXXX XXXX Owed : {$890.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX XXXX Balance Owed : {$54.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$840.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$230.00} XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX Owed : {$2600.00} XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX Balance Owed : {$100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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, credit repair services, or other personal consumer reports

I have contacted XXXX, Experian, and XXXX  every month disputing negative items that always bring my credit score down and I am in the middle of purchasing a home. I am a XXXX retired veteran with nothing to my name and I am sick of it. These credit agencies will not fix errors even after I send them legal documentation signed by a judge stating I am not responsible for these following accounts, but they violate the FCR laws by always reporting what the creditor tells them to report instead of acting whats in the best interest of the consumer. So if I have a legal document stating I am not responsible I ask them to remove the accounts from my credit they so call investigate the creditor tells them dont remove it ... they do not follow guidelines they act on behalf of the creditor and keep reporting me negatively and I am so frustrated with them they are extremely rude over the phone and they do not seem to listen. They are wrongfully reporting I have three XXXX XXXX accounts with arrearages totaling over a freaking {$43000.00} when I only have 2 accounts Ive asked them to remove the duplicate account for 3 years now and it has not been removed. I have 2 XXXX XXXX accounts, 2 XXXX XXXX, 2 credit cards that they still have not removed and the companies are no longer able to collect because it is way past the statute of limitations to collect. And I am not even responsible for them someone else is, but these creditors still keep reporting to the bureau and the bureau still goes against FCRA laws and reports it anyway. I pay all of my bills on time and I not supposed to have nothing but 2 accounts on my credit. My complaint is Im supposed to have a debt to income ratio below 43 % and credit scores up in the 620s/640s range but these credit bureaus seem to have a real big problem with reporting me accurately as if their main mission is to always keep my credit scores under 500 someone really needs to step the XXXX up and do something about these agencies. It is real scary having these agencies have total control over your life and credit. This is my third and final complaint and nothing has been done to remedy the situation my next step is to file a very hefty federal lawsuit for violation of the U.S.C
Product: Mortgage

We were in forbearance but wanted to get out of it & make the payments which were exuberant, so we tried to remodify the payments which we thought happened as it seemed to be in an affordable amount but REALLY it wasn't as we didn't factor in the XXXX XXXX XXXX so when they submitted the changed amount we saw ONLY THAT & agreed to it, THAT amount was {$300.00} less than what we initially was paying which was great, what we wanted however that amount didn't reflect the XXXX XXXX XXXX which was another {$200.00} which means it was ONLY {$100.00} difference which didn't HELP much! 
Before signing anything I tried to consult with the attorney that we were appointed to help us with sale of the house, XXXX XXXX he blew us off, no help at ALL! When I requested a renegotiation with the mortgage company, THEY said they couldn't revisit the situation for another XXXX yrs. & NOW they've gone up another {$31.00} dollars on the mortgage because the say that the reserve is {$200.00} low & it has to be built back up.. We weren't asked they JUST accessed it to us. I'm very upset about this as we are struggling, income has definitely been impacted since Covid & I don't wan na do forbearance AGAIN, JUST want to pay an amount that's affordable $ 600-700 monthly.
Product: Payday loan, title loan, personal loan, or advance loan

I made a consumer credit transaction with tower loan. My title to my car was taken as collateral. I submitted payment in full before payments were due in the form of a 1099A which was endorsed correctly according to law. I submitted with the 1099a a blank 1099c 1099oid and a 1099v for there use to submitted for payoff. Tower loan has called and threatened me to take my car advising they were not taking the payment. I sent them a certified letter telling them to cease and desist all calls and unlawful collections and they continue to call. Threatening me, one even hollered at me. I can't deal with them anyone. They need to be shut down now. I have submitted lawful payment for the payoff of the loan. It's important to note the original payment I submitted to them was never returned marked not accepted. The harassment continues every day several times a day threatening me they will take my car. They will not stop. I'm about to file suit on them. I have clearly spelled out to them the consumer laws and my rights and what a lawful payment is and they refuse and constantly harass me
Product: Debt collection

In late XXXX, I received a mailed statement from Online Energy Co asking to pay {$550.00} for a XXXX XXXX account. On XX/XX/XXXX, I received a second notice for a completely different account with the same instructions. 

On the form it gave me a return stub to dispute the debt and ask for the name and address of the original creditor. I returned this to them asking for the information both times. The form also stated if returned by XX/XX/XXXX, they must stop collection on the debt until they send me the info. 

I have lived at the same residence for over 20 years with the same energy service the entire time. I have never heard of XXXX XXXX and as such have never been a customer of theirs. Let alone for two separate accounts.
Product: Credit reporting or other personal consumer reports

In XXXX I took 3 loans with XXXX so that my daughter could go to college, I paid these loans for 17 years finished paying all 3 loans in XXXX, and despite that they have this information right on their web site they are trying to get paid again!! This is fraud the have loans that just opened in XXXX my daughter is XXXX XXXX XXXX, and I as a single mother paid all my XXXX bills as can be seen in the attached XXXX screen shots. I also have a copy of all my payments!
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with XXXX credit bureau. Every time I submit a dispute about information not belonging to me there always trying to block what I send. I am a victim of identity theft and Ive sent everything they have asked for from confirming my identity to submitting police reports and ftc reports and all. Recently I submitted paper work to have things blocked on my report and again I sent all the right paperwork over and they still tell me there not going to block it because they need more information which I sent them. XXXX  has been giving me a hard time for the past few months and its getting out of hand soon as I dispute something that was not mined they says its accordance they agree with the other side even when Ive submitted proof to them and court papers and all but yet there still taking there sides and even lowering my credit scores. My XXXX  lock was taken off a couple of times and I couldnt lock it back. Im tired of XXXX being biased towards me then has to end. I will be submitting a cease and desist order to XXXX  as soon as I finish my motion in court if this does not stop.