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

Hello, my name is XXXX XXXX XXXX. i invested into cryptocurrency and i use Binance.US exchange to make trades. i lost my crypto currency because of not putting/wrong memo. but they have assurance that they can recover my asset back to my binance.US wallet exchange. i submit already a ticket to binance.US customer service they keep telling me this " Thank you again for your patience with this process. Unfortunately, no memo refunds are taking longer than usual to process ; thus, there is no ETA. Rest assured, you will receive them as soon as possible. We will let you know once the assets have been refunded to your wallet address ''. 

the only make me angry about it is that in their Frequent ask Question about recovering asset they advertise/posted that it only take XXXX businesss day for the recovery of our funds. yet, now it's been XXXX month and still didn't get any progress or exact day/time. Binance.US have alot of angry customer. alot of issue they didn't resolve it. i hope you take action for this. i submitted a ticket to their customer service which is my ticket # XXXX XXXX ) and my email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Discrepancy Regarding Account Status and Request for Clarification Dear XXXX XXXX, I am writing to formally address a discrepancy I have identified regarding my account with XXXX XXXX. Specifically, the status of this account is being inaccurately reported as " charged off '' on my credit reports from XXXX and XXXX. However, when I contacted XXXX XXXX directly, I was informed that this account was not charged off. 
Additionally, I have been advised by XXXX XXXX that no IRS Form 1099-C was filed for this account. Yet, I am being contacted by a collection agency and receiving phone calls regarding this matter. I find this situation confusing and concerning, as it appears to conflict with the information provided by your company. For reference, I have included copies of my credit reports and the notifications I have received from the collection agency. 
I respectfully request the following actions and clarifications : Confirmation in writing of the current status of my account with XXXX XXXX. 
A clear explanation of why my credit reports reflect a " charged off '' status if this is not accurate. 
Confirmation that no Form 1099-C was filed with the IRS, as stated by your representative. 
Correction to my credit report If there has been an error in reporting this account to XXXX and XXXX, I request that you promptly correct the information with both credit bureaus and provide me with written confirmation of the correction. 
Should you require additional information to resolve this matter, please do not hesitate to contact me in me writing. 
Thank you for your immediate attention to this matter. I look forward to your response within 30 days of receiving this letter, as per the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX Enclosures : Notifications received from the collection agency
Product: Credit reporting or other personal consumer reports

on XXXX I went to review my credit report from XXXX and Equifax have inquires on my report that i did not request or have any knowledge or I have not asked or given anyone permission to run credit however i also locked my report froze my credit and added an alert also they still have inquires on my report dated back two to three years ago also i have sent multiple via mail and they always state that they have not received them to send another request. my information has been exposed on the dark web due to multiple data breaches
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress Of these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Retrieved free annual credit report. Experian created an account for me that I did not want, need, request or desire without my consent. Every other day I've gotten a marketing email. The fine print states the email has important account information -- suggesting its exempt from marketing opt-outs -- while clearly baiting consumers to engage sign up for a service. I have replied half a dozen times to remove/stop/opt out. Each time getting an auto reply stating I've been unsubscribed -- only to get another email two days later. There is no number to call. The email has an account number created by Experian using information I provided to receive my free annual credit report. It was not intended to create an account or be subject to endless unscrupulous marketing. Please investigate this practice and get them to stop. -- - Email Received after half a dozen opt outs ( with confirmations ) below -- - ( Note there is no opt out and the deceptive language used ) You have a free Dark Web scan available We will scan over 600,000 data points on the Dark Web for your SSN, email address and more. Don't you want to know if your info is compromised? Run scan now XXXX XXXX XXXX XXXX XXXX This email was sent because it contains important information about your account. Please note that if you have previously unsubscribed from Experian XXXX XXXX, you will no longer receive newsletters or special offers. However, you will continue to receive email notifications regarding your account. To ensure that youll receive emails from us, please add XXXX to your address book. Privacy Policy 2021 XXXX XXXX XXXX. FICO is a trademark of XXXX XXXX XXXX. 2021 XXXX, XXXX, an Experian company. All rights reserved. XXXX XXXX XXXX XXXX, TX, XXXX, US
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. 

List of Unauthorized Inquiries : 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 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 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 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: Debt collection

I held a power of attorney for a man residing in the XXXX. The principal died. The XXXX hounded me to pay the debt, and even though I wrote to them and told them that I was not liable for the debts of the deceased person, they referred the matter to a collection agency that did not even list the deceased person as the debtor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established  XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
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 privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy Acct XXXX XXXX XXXX  XXXX Bankruptcy Acct # XXXX 15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C. 1681 Section 604A States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information other than records of crime which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account : # XXXX, XXXX XXXX XXXX XXXX Account : # XXXX, XXXX XXXX XXXX Account : # XXXX, XXXX XXXX XXXX  Account : # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

This is my first 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 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 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 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 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 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 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 Experian credit directly through their " Dispute '' portal to information them of the inaccuracies on my credit report. My credit report is showing an address of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, IL XXXX. These addresses are incorrect and should not be on my credit report. My correct address is XXXX XXXX XXXX, XXXX, IL XXXX, in which I have lived at this home since 2002. I have attached the report that shows the address errors as well as my drivers license.
Product: Checking or savings account

I am a long time member of the Navy Federal Credit Union ( NFCU ). It's main office is located in XXXX, Virginia and many branch offices around the world mostly in XXXX XXXX. Its Fraud Dept is located in XXXX, Florida. 

On XXXX XXXX, 2023, I conducted several transactions with an agent as I do on the phone early every year. All were done correctly. I turned on my home computer next day to check on the balance of my Money Market Savings Account ( XXXX ) and saw an unauthorized transfer of {$5000.00} from our account ( joint with my wife ) to our joint Checking Account and to XXXX XXXX Bank as " ACH Pending Transaction. '' I immediately called the NFCU and discussed with an agent. He said the fund will be restored within 1 to 10 business days. {$5000.00} was later transferred out of our Checking account to XXXX XXXX Bank to an individual named, " XXXX XXXX. '' {$5000.00} is not restored as of this date and several oral and written communications with the NFCU were to no avail. I am greatly puzzled and disappointed why the NFCU did not take an immediate action when I reported it on XXXX XXXX, 2023. 

Please see the attachments to explain the sequence of events. Thank you.
Product: Checking or savings account

I've noticed that over the last two years, TD bank has done a terrible thing to me. I am a XXXX father of 4 and they continuously took unfair amounts of overdraft fees, usually these fees showed up without any warning or explanation, came out to around {$7000.00}. They were never good to me when I asked for these overdraft fees back over the course of two years. They were always nasty to me especially XXXX, the manager at the branch on XXXX XXXX XXXX. She wouldn't even give me a debit card.. This bank is taking advantage of a XXXX person and it is totally wrong. I find it disturbing that I noticed they have taken almost {$7000.00} from me like this. 

You said not to include personal info so I am only including my last 4 digits of the account. 

Acct XXXX overdraft fees XXXX {$1900.00} XXXX {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ I lost my wallet in XXXX  and my identity was being used, in the process of making a purchase, I was notified of fraudulent accounts opened and addresses using my my Identity such as my name, birthdate, and social security number. Listed below are the accounts opened fraudulently and addresses illegally used.
Product: Student loan

When I first graduated in XX/XX/1998 and couldn't pay the steep payments I was told to keep taking forbearance by what was then Sallie Mae. Never once was I informed about any Income Based Repayment. I have never been in default. I finally ended up on the IBR program around 13 years ago and this year when I re certified I was given a bigger payment although I had just had a second child. I was pressured into re consolidating even though I knew that would restart the clock for any forgiveness. I was told that I couldn't get any forbearance to cover the payment while they recalculated my payment based on the fact that my finances had changed. I was told to reapply for my re certification with a paper form. I did this. I received no notification that the application was received. I paid the amount due from the previous plan and started receiving delinquency notices. and Finally 2 months later a notice saying that I couldn't re certify because it was to early for next year. Their website offers no way to figure out what is going on. The page tells you a different payment amount then a person which is different than a bill. Seems to me this company sets you up for failure. These are predatory practices. Its 20 years later and I have never been in default and my loan balances have doubled. Now for the first time I am in danger of default because of the practices of this company.
Product: Debt collection

-Rented a car from XXXX XXXX XXXX XXXX XXXX XXXX The company claimed I damaged the passenger bumper despite photos showing the damage was pre-existing. 
-The company made an unauthorized charge to my credit card {$1700.00}, filed a claim with my insurance XXXX XXXX and hired a collection agency ( Alternative Claims Management XXXX ). 
XXXX XXXX me not liable and denied the claim after determining the damage was pre-existing damage upon reviewing the before photos. 
-Alternative XXXX XXXX XXXX has issued a payment demand for {$2400.00} despite providing them with photos from the company 's rental agreement which show the pre-existing damage -Photo showing pre-existing damage attached, when magnified, all scratches and marks clearly visible
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all three credit bureaus TransUnion, XXXX, XXXX. I reached out to them regarding the charge off debts they were reporting i started this process XXXX XXXX. Within 30 days XXXX will send back the debt is verified and updated. I never received a response from Transunion nor XXXX. I have requested 3x for all of them to tell me how the debt was verified. I never received the information back. Which i have asked them to remove the incorrect information they are reporting because of my FCRA rights. Still no change in my report. This is hindering my character.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX