23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received notice that I am being sued for a debt with XXXX XXXX, closed in XXXX. I received a letter from their collection agency Oliphant Financial. I sent a letter disputing the debt dated XX/XX/XXXX. I NEVER received validation of this debt until I received the Summons from the court. I NEVER received ANY information regarding the original creditor from this company, NOR from the attorney 's. The collection agency and the Attorney 's XXXX XXXX XXXX, FAILED to follow the correct protocol before suing me for this debt with the XXXX XXXX.
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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX EXPERIAN XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX EXPERIAN XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Hello, I emailed you a week ago expressing that Binance.us refuses to answer emails. I emailed them on XX/XX/XXXX, and on XX/XX/XXXX they decided to reply to me after I told them that I had sent a complaint to both your facility as well as the attorney general of California. 

In the email I was told they have locked my account because I owe them money. Im not sure how I can owe them money if I am not allowed to trade unless the money clears. On XX/XX/XXXX my account was hacked. They did not close my account until XX/XX/XXXX. Money was transferred out of my account no lost XXXX. When I finally retrieved my account it had around {$6000.00}. I was able to transfer out of Binance.us I believe around XX/XX/XXXX. I received an email stating my account is active. 
After I made a few complaints about how they handled my compromised email, my ability to trade and transfer my crypto was disabled. However, they kept sending me emails about how my deposit limit has increased to {$10000.00}. 
They have disabled my account and refuse to release my crypto. That is theft. That is also a violation on the consumers protection act of XXXX. Binance. Us is costing me to lose money everyday it doesnt allow me to break free from their platform, and it is also causing me mental stress and harm. Binance.us doesnt hear or serve its consumers. It does whoever it wants to do. 

I want you to know that I did serve Binance.us with court papers. I am taking to small claims court. 

I am asking your help.
Product: Credit reporting or other personal consumer reports

Despite previous disputes filed with XXXX and XXXX ( on dates provided ) under FCRA XXXX for identity theft accounts XXXX XXXX XXXX XXXX  ), these accounts remain on my report. Despite FTC identity theft filings and all required documentation, the bureaus failed to meet their obligations to investigate thoroughly and delete fraudulent accounts. This negligence is in direct violation of FCRA XXXX, which mandates the removal of unverifiable or inaccurate information. I have faced financial and emotional distress due to their inaction, including denied credit opportunities. XXXX rectification is necessary to prevent further harm. 

I am requesting immediate action to investigate these failures, enforce the removal of the accounts, and hold the credit bureaus accountable for not complying with consumer protection laws.
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. 

Account name : 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: Checking or savings account

On XXXX XXXX {$XXXX} was withdrawn out of my checking account with Capital one ending in XXXX via bill pay. The transaction was intended to go to my OPENED auto loan with Capital one ending in XXXX however it was mistakenly sent to my closed Capital one auto loan ending in XXXX. A claim was opened and denied immediately stating the transaction processed correctly without paying attention to the details of the claim that it was sent to a XXXX Capital one auto finance account. They asked that I contact XXXX XXXX finance to find my money. I call Capital one auto finance and NO ONE can locate the {$XXXX} transaction. The claim department sent me the following information : payee account ending in XXXX payee routing number XXXX XXXX bank account ending in XXXX credit trace # XXXX file track # XXXX payment amount : XXXX payment date : XX/XX/year> remit date : XX/XX/year> I have been on the phone with Capital One  XXXX to XXXX  times daily trying to research where my {$XXXX} is and NO ONE can locate the money. 
I have never had such a poor customer service experience in my life. I am on the phone NOW with Capital ONE banking and the representative is telling me there is NOTHING more they can do to locate my {$XXXX}. 
The customer service with Capital one are scripted, rehearsed, ignorant and unwilling to help. 
It BLOWS my mind that all my accounts are linked via Capital ONE and NOONE can locate my {$XXXX} transaction After I retrieve my money I am closing my bank accounts with XXXX XXXX and will never recommend anyone to them Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BMO Refused to renew my loan because it wasn't my primary house anymore. It use to be my primary house for 8years. The loan contract states that the loan will be automatically renewed if agreed by both, but BMO refused to renew do to it wasn't my primary home. This was learned about after I called them and spoke to them. They told me to continue making payments as normal it shouldn't be a problem. As we continued to make payments, my wife and I kept an eye on our credit. It never shown any negative or late payments. Plus, BMO never sent me a certify letter or never demand the loan to be paid in full. I finally paid the balance off on XX/XX/XXXX after months of requesting a payoff letter. Once I paid the loan off they went back 6months and damaged my credit by stating I was late and it was a charge off. They performed this task in XX/XX/XXXX after I was requesting payoff letters months prior. This shouldn't be a charge off or late payment because they refused to give me documents.BMO then back log late payments because current credit checks never shown this prior. I will attach loan agreement which they should of refinanced per contract which doesn't state anything about 2nd home we don't refinance. Also I will attach payment stubs and a payoff document. Also the credit Bureau failed to there job and agreed with them. They also never sent me Documents that they finished there investigation or explained their reasons for their decision. They have ruin my wife 's credit and mine intentionally which has caused a burden and stress. Dates of payments will be on statements. Contact with BMO on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. They even wanted to see if they can refinance the loan and tried, and never mention to payoff the note it is being called. This is wrong for a bank. They also refused payment at first on XX/XX/XXXX until I threaten legal action. Also if you look at loan documents the maturity date was XX/XX/XXXX and it should of automatically been renewed then and they never wrote it off as a charge off or late payment. never reported it on credit report back then.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXI found a inquire on my Transs Union dated XX/XX/XXXX. I trued to call and no number listed .WEnt to their website and pushed contact, Just takes me to top of the page. NO way to contact. XXXX XXXX XXXX XXXX XXXX, PaXX/XX/XXXX. Never heard of them at hall. please have deleted.
Product: Debt collection

They call at least once a week, every week and will not stop. They change phone numbers also. It isn't always the same number. They leave an automated message saying that they just want to talk to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update some of the data on my credit report, but there are still some items that need to be corrected. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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: Credit reporting or other personal consumer reports

REMOVE FRAUDULENT UNAUTHORIZED INQUIRES. 
TRANSUNION FRAUDULENT UNAUTHORIZED INQUIRES : XXXX XXXX XXXX ( BANK ) XX/XX/XXXX XXXX XXXX ( BANK ) XX/XX/XXXX XXXX FRAUDULENT UNAUTHORIZED INQUIRES : XXXX XX/XX/XXXX XXXX FRAUDULENT UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, 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. 
Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 card or prepaid card

I made a payment to off my account but when I inquired about why it showed XXXX available for usage the agent said my account is on hold and she doesn't know how long it will be on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Federal Law 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reportsExcept as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXXXXXX has been furnished onto my consumer report and this specific furnishing is an extreme adverse item of information which antedates my report by XXXX years.
Product: Credit reporting or other personal consumer reports

I lost my wallet closed all cards reordered new ones but in my wallet was my social security card and drivers license. I noticed inquired from auto loan and personal loan companies I have never seen or heard of before and an address was being added to my account through my SSN. Most of these inquires were put onto my account dropping my score XXXX points XX/XX/2024 and I discovered the issues XX/XX/2024. I called capital one and informed them about the inquiries I did not authorize and the agent stated she couldnt do anything only if the card was charged so I then closed the account and then did a FTC and put a fraud alert on my account.
Product: Credit card or prepaid card

I have a cash app account that I made with a new email address because I forgot the information to my old cash app account I had to use a fake last name because I forgot the information to my old account I put in my real social security number and then they close my cash app account I now can not access the {$60.00} I had sent me on that account I would like to basically reopen the account and make that money available for me to be able to send and receive that money at my leisure because it is my real social security number and I really am XXXX and I will change my last name back to my legal name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX shows late for XXXX, XXXX and XXXX on Equifax but it was never late
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the the card companies as well as the credit agencies. Ive been dealing with Identity theft for over t he last two y ears. There are  XXXX  credit cards that were opened that I did not authorize and they are using my correct social security number but incorrect date of birth. I would like for these credit cards to be removed from credit report.       1.  XXXX     XXXX   XXXX   ( OPENED DATE  XXXX / XXXX /   2016  )  2  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ) (  OPENED DATE  XXXX / XXXX /   2016  )
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} and XXXX FIN XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

Ongoing Dispute with Ditech Financial LLC Of note, original loan was with XXXX, then XXXX, then Ditech bought loan in XXXX/XXXX/XXXX. Property taxes and insurance were NEVER part of escrow or to be impounded with loan ; and have always been paid direct by me. 
XX/XX/XXXX Ditech sent notice stating escrow is short/delinquent. My several calls and inquiries and letters, provide no explanation or satisfaction, let alone resolution of why shortage and where do they come up with this. The last communication from Ditech says " they were notified of delinquent property taxes '', thus the shortage on my escrow is {$2400.00} and future projected impound of {$1100.00} is due. But I have paid all my property taxes and I sent another letter certified and it included my cancelled checks for property taxes, including the XX/XX/XXXX installment pymt and those for all of XXXX. It also included XXXX receipt of payment information and my property tax statements and also asked they check the XXXX website and enter my parcel number where they can obtain the same info. 
As of now I have no resolution, their last communication continues to reflect a shortage of {$2400.00} for XXXX and projected impound for future property tax impound of {$1100.00}. My next mortgage pymt is due XX/XX/XXXX and I do n't want to pay the increase monthly adjustment of even {$42.00} when I do n't owe it but worry about my credit score. Do Note I will continue to fight this but very concerned that Ditech is not just negligent and incompetent, but that they are fraudulent and attempting this scam on others. Do I need to get a lawyer to fight this?
Product: Debt collection

Company Number : Radius Gobal Solution Account Number : XXXX Address : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, FL XXXX On XX/XX/2024, I was looking on my XXXX  account to get an update credit score and noticed that Radius Gobal Solution a debt collector for XXXX for the amount of {$1300.00}. From 15 U.S.C. 1681 I never gave this company consent to furnish my information or obtain my information. The reason why I am writing this dispute claims on my credit report is because I lost my job and been living on the street for the past year in a half. I am unable to pay any debt collectors because I cant hold a job due to the fact I have XXXX.
Product: Mortgage

During the final weeks of closing, Bank of America provided poor service that made us almost lose our closing / home. We received a closing disclosure letter contacting Bank of America if there was something significantly different that what was promised. No contact was required unless there is an issue with the loan costs. 

A day later, we received a call from the builder / Bank of America that our closing would be delayed as we did not contact BoA to tell them we received the closing disclosure. No document said we needed to contact BoA but we were told " new Frank Dodd requirement. '' I said we did not have any language about this requirement and was told it was our responsibility. 

In addition, the letter was incorrect in that it did not have required Georgia disclosures ( i.e. wiring of funds ). 

The writing of the disclosure document is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
2.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
5. Validate Account XXXX & XXXX Account Number : XXXX Please remove it from my credit report. 
.6.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9 Validate Account XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing that the following accounts are charged off every month since XXXX. Some of the account show charged off and closed and late all at the same time. Experian will not allow me to file a new complaint with them and they have the incorrect information. I have requested the information they have be verified by me by having it sent and nothing was sent. They should not be in business : XXXXXXXX XXXX XXXX ; charged off ONE TIME in XX/XX/XXXX. I spoke to XXXX XXXX XXXX on XX/XX/XXXX and they verified it was charged off in XXXX and not been reported late or charged off since. Experian is saying its charged off XXXX. 

XXXX XXXX XXXX ( XXXX ) ; charged off XXXX. The cares were given back to the company in XXXX XXXX bankruptcy and should be reporting charge off in XXXX but Experian has it showing charged off in XXXX XXXX ; charged off in XXXX Experian is showing charged off in XXXX this was included in XXXX XXXXXXXX bankruptcy. 

I want Experian to supply ME AND I DEMAND IT the information that matched what they are reporting, what a XXXX XXXX XXXX credit agency. I could lose my job over this incorrect reporting. This is holding up a loan originator license and Im XXXX XXXX  because of the inaccurate data on Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Constantly lowering my credit score. When I check under the heading see what change i dont see anything that could account for my score to drop so low in such a short period of time.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - {$620.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$430.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$910.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$11000.00}
Product: Money transfer, virtual currency, or money service

The wrong information was typed in on my 1040 form to the irs. The information entered was a routing number:XXXX ( a bank of a America routing number ) and account number  XXXX. The problem is that 2 numbers were omitted from the form. When I called the company the representative I talk to just said that it wouldnt go through but made no attempt to explain in accurate detail what was going i later learned later that day that the info he gave me on what would happen was incorrect. He didnt make an attempt to make sure that the payment was not going to go in a another persons account or see if Bank of America sent the payment back to the irs
Product: Mortgage

I sent a check to payoff my mortgage with Provident funding. They received the payment on XXXX/XXXX/XXXX and they posted it in my account on XXXX/XXXX/XXXX.
Product: Payday loan, title loan, or personal loan

I have been making my regular payments since I first received the loan. Most of the payment goes to interest and only about {$5.00} goes to the principal. And somehow the payoff amount is more than the original loan. The interest is way over the legal limit for California.