23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3400.00} ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Since XX/XX/XXXX I try you free up XXXX funds that I mistakenly transferred into a new BINANCE US account of mine. Unfortunately, this trading account was never finalized by BINANCE US because my authentication couldn't be verified. Therefore, any crypto transfers or withdraws were restricted. 
I registered this new trading account with BINANCE US under ( XXXX, User ID : XXXX ) on XX/XX/XXXX. 
My old BINANCE US account I wasn't able to access anymore due to a security breach that occurred in XXXX. This account was registered under ( XXXX, User ID : XXXX ) In the process to free up my XXXX funds I found out that my new account XXXX couldn't be finalized because my SS # was attached to my old account. BINANCE US permitted depositing currencies into my old account but restricted any other transactions to either withdraw or trade.

Upon my request BINANCE US customer service established access for me to my old account # XXXX & updated my email ( XXXX ) to ( XXXX ). 
By mistake I transferred XXXX funds on XX/XX/XXXX into my new trading account ID # XXXX. This account should have not been active to receive funds. I notified BINANCE US customer service immediately about my mistake. I was told that the funds would be transferred from my new into my old trading account. 
But this transfer never took place! I relentlessly communicated with customer service to get this issue resolved. But nothing happened in over 6 months. BINANCE US is holding my funds hostage. They know that I can not access them unless they are transferred into my old account which I can access.

At this point I do not care which account will be active. I just need my funds to be accessible.

I can provide email correspondence with BINANCE US customer service agents and the following documents for review : 1. ) XXXX  confirmation dated XX/XX/XXXX XXXX. ) Transfer confirmation with recipient wallet address dated XX/XX/XXXX XXXX. ) Account verification for XXXX, User ID : XXXX XXXX. ) Account verification for XXXX, User ID : XXXX XXXX. ) Portfolio balance sheet User ID : XXXX XXXX. ) Emails customer support from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Please support me in my efforts to gain access to my funds. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a loan with BRCLYSBANKDE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and BRCLYSBANKDE with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/2017.
Product: Credit card

Wal-Mart charged me {$500.00} when I opened the account submitted XXXX separate charges. I paid the first balance in full ( around {$370.00} ) but not the second balance ( {$130.00} ) because by then I discovered they were falsely billing me. 

I am a XXXX. I did n't believe I owed either amounts but I paid the first in full as billed. Wal-Mart did refund the second billed amount of {$130.00} when I challenged the charges. However, when I requested copies of the $ XXXX Wal-Mart charges it alleged I owed, Synchrony Bank responded " we are unable to provide you with the information requested as it is no longer available ''. My account is not one year old.
Product: Debt collection

Credit Collection Services ( CCS ) is currently reporting to XXXX, XXXX, and XXXX XXXX a charged-off collection account concerning an alleged debt owed to XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), CCS is obligated to ensure the accuracy of any information reported to credit bureaus. Failure to do so constitutes a violation of the FCRA. On XX/XX/XXXX, I requested via telephone that CCS immediately investigate this matter and correct or remove the inaccurate and abusive information regarding this account from my credit reports. 

Inaccurate Investigative and Reporting Practices According to my records, the XXXX XXXX XXXX auto policy in question was active from XX/XX/XXXX until XX/XX/XXXX. I informed XXXX XXXX in XX/XX/XXXX that I would not be renewing the policy due to an unreasonable premium increase. The policy was maintained in good standing until its expiration in XX/XX/XXXX, with no lapse in coverage, accidents, or tickets. As of XX/XX/XXXX, the XXXX XXXX XXXX was insured by XXXX XXXX XXXX until it was sold on XX/XX/XXXX, to XXXX. 

Abusive Reporting Practices : CCS is reporting the debt as both a charged-off collection account and a monthly delinquent account. These contradictory statuses are misleading and deceptive, violating 15 U.S. Code 1692e. Additionally, CCS has been reporting this disputed debt to my XXXX credit file up to XXXX times per month, every month since XX/XX/XXXX. This pattern is evident throughout the payment history, with multiple entries for the same month, inflating the perceived severity of the delinquency and violating 15 U.S. Code 1692d, which prohibits harassment through abusive collection practices.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, and TransUnion ) credit report, and I noticed a negative item on my report that i did not authorize to report. On the account I have attached is 30 day late payments that are improperly reporting. I have tried to work this out with the credit bureas and have been unsuccesful. The account listed below is identified as aggravated identity theft per 18 U.S. Code 1028A. 18 U.S. Code 1028A U.S. Code ( a ) Offenses.
Product: Payday loan, title loan, personal loan, or advance loan

Good afternoon, This lender is intentionally misleading consumers about using solar tax credits to cover their " pre-payment, '' so they can make their loan look better. In order to get the principal down within a year to keep a preferred monthly payment. 

They advise you that if eligible for a tax credit then you use that to cover the principal curtailment. Which almost everyone is eligible if you pay for solar. They intentionally avoid clarity on what how the tax credit is paid out and they also intentionally designed their contract to make you believe that, as long as you are " eligible '' then you get it all back cash in hand to pay the loan down. 

Even if I spoke to no one about this ever on their end, their contract is intentionally designed to mislead consumers. All they say is to check your eligibility. Make sure you are eligible with a tax professional etc. 

At the end of page 2 of the original contract, the lender tells you " Additionally, if You are not eligible to receive a federal solar investment tax credit You will not be able to use the proceeds of Your tax credit to make a voluntary prepayment as described below. '' Meaning, all I had to do was confirm I was eligible for the credit. Which I did. They intentionally imply if you are eligible then that's all you need to worry about. Then to further prove my point that they are intentionally misleading, later in the contract they use the exact same number by percentage and dollar amount of the federal tax credit as the amount you must pay to get the benefit of lower payments by the time they re-amortize. 

Coupling this with the way they pass off HIGH percentage origination charges to the contractor to avoid QC problems of disclosing that as a loan cost is also the point of XXXX  I believe. I wanted to increase my loan amount by roughly XXXX to cover new shingles on the roof. My loan amount was XXXX, so they increased my loan amount to XXXX. I asked the contract how and why and they said Mosaic added charges to the contractor knowing it would be passed to the consumer. That is all third hand, so I can not confirm that, but I can tell you that an extra XXXX was added to my loan for nothing I saw from the contractor side. 

On their TILA they do not disclose a breakdown of added fees, they only disclose the finance charge, amount financed and total payments which is fine, but their is not breakdown of their additional fees rolled in such as the XXXX from above.
Product: Student loan

This is the second time I have been denied my cosigner release through Discover student loans. I have a good credit score of XXXX and I meet all of the requirements asked of them below and on the cosigner release application:1. Qualify for cosigner releaseTo have your cosigner released from your private student loan : Your loan must be a prior XXXX Loan that was purchased by Discover. 
You must be at least 18 years of age. 
You must be a US citizen or permanent resident. 
You must have made the required number of consecutive monthly payments on time. 
Use this chart to determine the number of required payments. 
Your gross monthly income must be at least {$1500.00}. 
You must have a satisfactory credit history and pass applicable credit criteriaI do n't believe that my application is receiving the attention that it deserves and Discover student loans is doing whatever they can to avoid honoring the cosigner release terms. 
I will attach my verification of income and the cosigner release document for your review. 

Thank you for your time, XXXX XXXX XXXX
Product: Credit reporting

For Experian. Please note case number XXXX on file for XXXX. 
Dear Sir or Madam : I am writing to dispute the following information in my file. The item I am disputing is attached in this email. This item from XXXX and XXXX XXXX XXXX has been settled and needs to be removed from my credit report. My credit report is still reflecting this as a balance owed and now that it has been satisfied it needs to be removed or corrected with a {$0.00} about due. I am requesting that the credit bureaus delete the information or correct it. Enclosed is an attachment from XXXX XXXX XXXX supporting my position. Please investigate and delete or correct the disputed item as soon as possible. Sincerely, XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX XXXX XXXX Consumer IDXXXX XXXX XXXX XXXXXXXX Maryland Dispute of Inaccurate Information on Consumer Report Dear XXXX XXXX XXXX Maryland I am writing to dispute inaccurate information that I have found on my consumer report associated with my banking profile. Additionally, I want to inform you that I have been a victim of fraud and theft, which has contributed to these inaccuracies. I request that the following item ( s ) be investigated and corrected as soon as possible. 


Account Number XXXX Routing - XXXX Date of report XXXX The item in question reflects unauthorized transactions, incorrect account balances, accounts I did not open that do not accurately represent my financial history or actions. 


I believe these inaccuracies are a direct result of fraudulent activity and theft that I was a victim of. Specifically, on XXXX XX/XX/year> of the my account was accessed without my authorization, unauthorized charges were made to my account, an account was opened in my name without my consent these fraudulent actions have led to errors on my consumer report that need to be corrected immediately. 


This explanation helps clarify why the disputed information is inaccurate and links it directly to the fraud and theft you experienced. 

I kindly request that you investigate this matter urgently and update my consumer report to reflect the accurate information. Please confirm in writing that the correction has been made, and send me an updated copy of my report. 

Given the seriousness of this situation, I would appreciate a prompt quick response and resolution to this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/XXXX I informed Capital One Bank that my Identity had been stolen open credit card accounts. in the complaint I included my police report, Identity Theft Report from the FTC and an Identity theft report affidavit notarized. also, I supplied a furnisher statement. they responded by stating after their investigation they concluded that either I or someone I knew had authorized access to the account.
Product: Credit card or prepaid card

Synchrony Bank charges a CARD SECURITY fee and does not show this fee in recent activity in online banking, so people never know how much they charged, and even I don't know they have a card security charge for every month. Until today I check the statement and find it shows up in the statement, this is very tricky. And I put the pdf files as an attachment showing the difference between my online banking 30 days activity and the statement, people will never know they charge the money until they see the statement. I have been charged for over 4 years, and I spend over XXXX dollars every year on this card, each {$100.00} they charge 1.66 %, and that is crazy money and tricky people by not showing that on recent activity. They are not honest and try to hide the fee, so people will not easy to notice. I don't know if I can get my money back, it should over $ XXXX they have changed under the table.
Product: Credit card

I made a payment to my credit card. I selected an account that I do not use. Realizing my mistake, I called to attempt to cancel. I spoke to someone named XXXX. Chase said that they could not cancel, and additionally that they will attempt the payment twice. This has now caused me two {$32.00} fees in my checking account.
Product: Credit card or prepaid card

paypal is billing me for a charge i did not make or i did not apply for their card or any credit. i have tried 14 times to have them stop harrassing me but they continue. please have them stopped
Product: Checking or savings account

I requested to have automatic payments stopped and it didn't stop. I take back my authorization to get money from account again
Product: Vehicle loan or lease

Wells Fargo was part of a lawsuit. I paid off my auto loan early and was entitled to money from this lawsuit and they will not pay me.
Product: Credit reporting, credit repair services, or other personal consumer reports

JHPDE Finance has XXXX accounts that they continue to report the wrong information and they have sold the account to another debt company named paradigm which are trying to reopen the accounts. Both accounts are past the statue of limitations. Both collectors are trying to collect. These accounts were not opened in XX/XX/XXXX. They were opened long before this time and unfortunately they were delinquent before XXXX. They have the wrong information on the accounts and have refused to present it. JHPDE says that the information is correct. But still have not presented any correct information. This information should be removed from my credit report because it is past status of limitations. It should be off as of now XX/XX/XXXX XXXX
Product: Debt collection

I sent out to Experian. XXXX, and XXXX an identity theft affidavit along with an identity theft FTC report, my personal information, by certified mail on XX/XX/2023 to resolve this matter, and again on XX/XX/2023. I've reach out to the original creditors as well with no resolution. I had requested for the inaccurate information to be removed and blocked from my credit report. This is causing a defamation of character and its injuring me financially. I've spotted many red flags regarding this matter such as : No consistency - Different staff or salespeople are telling you different things regarding pricing or other information Wont put it in writing- No one will give you clear information in writing, even when you ask for i
Product: Credit card or prepaid card

I paid the total balance of {$4000.00} to Dignifi formerly Confident Financial Solutions via electronic transfer from XXXX using the same account number but Dignifi sent another bill that they did not receive my payment charging me late fee and their customer Rep told me that they're not affiliated with Confident Financial Solutions with instructions to get my payment from Confident Financial Solutions and pay Dignifi using the same account number. Many times attempted to call Confident Financial Solutions but it transfers and brings me back to Dignifi company ... so where did my payment of {$4000.00} go then? Please help me get my money back and find out if Dignifi formerly Confident Financial Solutions still even exist. Thank you and may XXXX help and bless you and your good office.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX, I inadvertently made a manual payment via Bank of America 's website, having forgotten I had set up an automatic payment to be made timely every month. 

I discovered my error on XX/XX/XXXX when the two payments cleared. I was not notified or the double payment nor asked by Bank of America if it had been made in error. 

I literally spent HOURS on the phone trying to get through to a representative to have the second payment reversed as soon as possible as it gravely impacted my finances. 

My so-called 'loan representative ' was never available and I left multiple voicemail messages, to which he/she NEVER responded. 

I finally reached a representative and, after taking my information, stated the reversal might take up to two weeks. 

I then contacted Bank of America through the internal messaging system on their website in order to create a written record of my effort to recover the {$810.00} second payment made in error. 

Bank of America stated I needed to send PROOF by way of my bank statement of the duplicate payment. The latest message - after I sent the requested documentation on XX/XX/XXXX - acknowledged the duplicate payment, yet they still asked for proof in the form of a copy of the applicable bank statement, which had been sent to them. 

After 21 days and multiple attempts on my part to have the second payment that I made in error reversed, my funds have not been returned to me despite my effort to have that done. 

Bank of America exhibits extreme dilatory tactics to hold on to funds to which they are not entitled, being fully aware of the duplicate payment.
Product: Debt collection

During a routine credit application, I learned that there is an outstanding default judgment from XXXX in NJ in the amount of {$4200.00} filed by Apothaker Scian PC on behalf of XXXX XXXX XXXX. I did not live in XXXX XXXX in XXXX. I moved to XXXX XXXX in XXXX and sold the house in XXXX XXXX. 
The lawsuit shows service performed at my old XXXX  address, four years after I moved away. I was never served, never given a chance to respond to suit, and never made aware there was a default judgment. Now this is harming my ability to get credit. Apothaker Scian claims to have no knowledge of who holds this default judgment and XXXX XXXX XXXX was purchased by XXXX XXXX XXXX. XXXX XXXX XXXX also claims to have no knowledge of this judgment.
Product: Credit reporting or other personal consumer reports

I recently applied for an apartment and it stated I had an eviction which Is inaccurate, I would like to obtain a copy of my consumer report to see what is reporting fraudulently and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # ending in XXXX for XXXX XXXX, Acct # starting in XXXX for XXXX XXXX, Acct # starting in XXXX XXXX XXXX, Acct name 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

see attachments XXXX is not accurate and fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the XXXX XXXX loan, and it says my balance is $XXXX yet on the report it says charged off, and not as paid in full.