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

In response to the disgusting Equifax data breach, over the past two days ( XXXX XXXX and XXXX, 2017 ) I have been trying to institute fraud alerts and credit freezes on XXXX, Equifax, and XXXX. Although I have called and logged on multiple times at various hours, I have been unable to complete the requests - their systems just say " Unable to complete your request at this time. '' and the " customer service '' operators have referred me to various other phone numbers that just refer me back to the original numbers ( the classic run-around ). Any agency that collects such vital and confidential information on almost every US citizen should be required to develop and maintain robust security consumer response systems. Our data is now " out there '' forever - we ca n't change our Social Security numbers or birth dates so we face identity/credit theft forever, too. I hope that our governmental representatives will fully investigate this failure by Equifax ( including why it took almost 2 months to reveal the leak ) and require solutions that prevent such security breaches and provide consumers with ongoing protection not just for a year, but forever, no matter what the cost to the credit agencies.
Product: Credit reporting or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my EQUIFAX Credit Report. I am not sure if you have conducted a thorough investigation as I have requested for so many times and they seems ignoring my request and not taking action. I have included my FTC report to support this complaint with the report number XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 Its been weeks and months and Ive gotten no response from Binance.US. I have over $ XXXX in my portfolio and I am unable to withdrawal to my bank or send to another crypto wallet. Please upvote to get my ticket responded to ASAP. 
I tried a small test transaction to whitelist approved wallet address as well as my bank account ( same account I used to deposit all funds ). I have had a Binance.US account for over a year. I am still getting the same withdrawals suspended due to risk management. I have had my past tickets closed for trying to get help on what additional info they need from me to mitigate risk and no response. 


Latest ticket number is # XXXX Update XX/XX/2021 Funds just shy of XXXX now I had two people from Binance.US respond to my ticket asking for XXXX material. I responded immediately with all the same/matching material and info as I signed up with. That was a week ago. I followed up to that email today and still no answer. 
The most helpful info I received was to reach out to my states Division of Securities to have them write a letter to Binance.US. A user here did that and received their funds along with Binance.USs attorney asking them to keep the situation hush. Its sad but I guess the only pressure they respond to is legal action.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

On XX/XX/2022 I received XXXX packages in the mail from TD Bank. I opened XXXX packages and inside were XXXX separate checking accounts that were opened in my name at TD Bank. This was fraud because although my name was accurate, the phone number listed on the checks was not. I never opened these accounts. I reported it to " XXXX '' in the fraud department at TD Bank and he told me to contact the FTC and the SSA. I have already frozen my credit reporting agencies. I have never had an account at TD Bank.
Product: Credit reporting or other personal consumer reports

XXXX  ACCOUNT : XXXX XXXX XXXX XXXXXXXX I FOUND LATE PAYMENTS ON MY CREDIT REPORT BUT ACCORING TO LAW I AM THE CONSUMER. THIS IS ILLEGAL AN IN DIRECT VIOLATION OF 15SC161 ( 2 ) ( I ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

Identify theft SynovusXXXX XXXX someone used my personal information to obtain a credit card from Synovus/ XXXX XXXXXXXX I did not approve or authorize this credit card the amount XXXX the date account was closed is XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i've sent dispute letters to Transunion, XXXX, and XXXX this is the fourth round of letters i've sent out and disputed without any results. My last round was sent out XXXX XXXX. It's been over 30 days and nothing has changed. These items are not mine and are hurting my credit status as im trying to purchase a new home in the near future, thanks. 
Creditor : XXXX XXXX, Account : XXXX Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Credit Inquiry from XXXX XXXX XXXX  Inquiry Info : HARD Inquiry : XXXX - XXXXCredit Inquiry from XXXXXXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX XXXX, XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX , Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX XXXX XXXX Inquiry Info : HARD Inquiry XXXX XXXX XXXX XXXXXXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXX
Product: Checking or savings account

I walked into a Keybank branch in XXXX, WA on XXXX/XXXX/XXXX to figure out what promotions they had for new customers. I was told by a XXXX that I could get {$300.00} for opening an account with deposits of {$1000.00} per month. I agreed to opening the account. After the account was opened she told me that I had to have at least one deposit of at least {$1000.00}. I told her that I was traveling and I 'm not sure if I could do that. We agreed to reverse out the account due to her negligence in telling me the {$1000.00} requirement and I would come back tomorrow to open the smaller account with less requirements. 

I came in the next day XXXX/XXXX/XXXX and opened the account. She called her internal department to ensure that she was n't going to be penalized and that I was still eligible for the promotion. She was told that I was and we opened the account. After I thought I reached the requirements I contacted her ( XXXX ) by phone and she confirmed that I had and that I should get the money without a month or two. Time passed and I never got it. 

I called her multiple times and even went into the branch and each time I kept getting promised a call back and never got one. She finally called today and told me that because her computer system saw the first account opened and closed the same day, I am not considered a new customer and there was nothing I could do. 

I would NOT have opened the account had I known I would have jumped through their hoops just to be told that there was nothing they could do and they were sorry. 

Their agents admitted that I should qualify but because of the system glitch created by XXXX, it is preventing me from getting they money promised.
Product: Credit reporting or other personal consumer reports

FCRA Viloations Not mine Not my auto loan XXXXXXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint Date opened XX/XX/XXXX Status Open. {$5.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$290.00} Hippa violation not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 
not my utility bills never had XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$880.00} Status Collection account. {$880.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Collection account. {$140.00} past due as of XX/XX/XXXX. 
never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

There is a collection account on my XXXX  credit report from Affiliated Management Services for the amount of {$2100.00}. This account has been previously disputed with other collection agencies and found to be a result of identity theft. The account is being repeatedly sold to different collection agencies with them having knowledge this account doesnt belong to me. This medical collection is not associated with my identity. I have enclosed an ID Theft Affidavit an police report as supporting documentation. Please remove from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've put various complaints in with  XXXX  regarding fraud committed by at the time my husband in which he had also taken  XXXX  other credit cards out under my name and each of those banks, did their investigations and found all credit cards taken out in my name to be fraud. Those credit cards are   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    utility bills, gambling sites, and IRS. Also included was IRS and Mail  Fraud.  This particular credit card company because bills were being sent to the address they have on file which was my current address is the reason they are not investigating this as fraud. My husband was  XXXX . I worked and he did n't work and was receiving all mail correspondences at this home. I 've never seen a bill or even knew he had used my ss number to take this card out. I received a letter from a  XXXX   XXXX  - Cu stomer Advocate Team in  which I 've emailed him back on numerous occassions and he never responded to any of my emails including the police report filed, letters from other banks stating fraud was committed as well as filed numerous complaints. I have discussed this with my lawyer who has asked me to do a final contact to  XXXX  before I take other actions. After reviewing all the proof I 've collected to my lawyer, my lawyer stated I can receive serious damages for the credit issues my husband at the time has caused. There is a  XXXX  against  XXXX   XXXX  and I am prepared to work with  XXXX  to sign anything needed to clear me from this fraud. Please let me know
Product: Debt collection

A cease & desist was sent to the debt collector. According to 15 usc 1692c you are prohibited from communicating with me. The debt collector is still communicating indirectly through my consumer report. The debt collector only has a right to report if I have given them consent. I have never given this debt collector consent to report anything to my consumer report. According to 1692c ( b ), you have to have my consent which I DID NOT give. 

According to 15 usc 1692k ( a ) ( 1 ) a debt collector who has violated any provision of the FDCPA Is liable for actual damages. You are reporting several accounts. According to 15 usc 1692k ( 2 ) ( A ) it would be {$1000.00} per violation. 

This alleged debt was also in litigation and was released. 

I will not hesitate to file a suit if you continue to break FEDERAL LAW and violate my rights.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed that there are accounts reporting double for education loans. This information is detrimental to my debt to income ratio because I am in the process of trying to purchase a home and this is setback to accomplishing this goal because inaccurate information is being displayed. The credit bureau is supposed to make sure all information that is reported is accurate and complete, however this is not the case. 

DEPT OF EDXXXX is not my loan servicer currently, however this is information is on my credit file as well as showing a 90 day past due on all accounts form XX/XX/2017 which is also inaccurate because the prior three months are reporting as OK or on time, so it is not possible to be on time XX/XX/2017 and XX/XX/2017 if the accounts were past due 90 days XXXX XXXX Below are the amounts that are listed as owing, but they were paid and transferred to XXXX which is also showing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My son was in  XXXX   XXXX  working and got a ticket. The truck he was driving was in my name. I have paid the {$90.00} fine and will mail in the morning. The company is Transworld Systems Inc that has been hired to collect this balance. I am  XXXX   years old an d just retired after working 52 years. I feel I have earned the right to be talked to respectfully. I would like for the young lady to be reprimanded that was so rude and disrespectful to me when she called. I have a  credit score  of  XXXX  and pay my obligations and have my entire life. I look forward to an apology at least.   Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX  cell  XXXX
Product: Debt collection

LVNV Funding and XXXX XXXX XXXX has violated Arkansas Code 4-59-101 ( 2 ) in their attempt to collect an alleged debt and continues to violate the Fair Debt Collection Practices Act by reporting this alleged debt to the consumer reporting agencies
Product: Credit reporting or other personal consumer reports

My credit score went down because XXXX XXXX challenged something on my credit report for a reason I thought was legit. They challenged that I never made late payments to my auto loan and the challenge failed. I don't know what type of installment I am in with the auto loan but when they challenged the loan it affected my credit. I didn't know my credit score would go down.
Product: Debt collection

Jefferson Capital System reported to all three credit bureaus a debt of {$950.00} that is not owed by me. This debt was previously removed from the report, but is appearing again. The creditor never contacted me prior to reporting such to the credit bureaus. It failed to follow the guidelines outlined in the Fair Credit reporting act. As such, it is requested that it be removed from all three reports.
Product: Credit card or prepaid card

Hi. I am submitting a complaint for a previous issue that was not fully resolved. Please do not close my complaint. I had two fraudulent charges made for {$1000.00} each on my discover card. Cfpb and discover resolved one of the {$1000.00} charges, but the other {$1000.00} charge is currently being reviewed by discover, which is why the cfpb complaint did not help. Currently, a {$1000.00} charge is REAPPEARING on my statement, which is why this issue is now a valid case for the cfpb to solve. This charge was fraudulently made and I would not like to be held reliable for this. This charge is currently damaging my credit and I would like discover to dispute this charge immediately, Discover also closed my credit card account, but thinks it is okay to make charges reappear on my account. This is absolutely ridiculous. I was first told to submit a police report. I happily obliged and submitted the report. The report did absolutely nothing and I was then asked to contact USPS in order to start an investigation due to suspecting that someone had been stealing my mail. I currently do not have time to go out of my way and contact USPS for a job that the police is currently aware of. This charge needs to be disputed and taken off my credit report immediately. This is extremely unfair and I would also like my minimum payment refund. I was told that I would receive a refund check, but never did. I would also like for my account to be reopened and have a new card sent out. Discover clearly is capable of reopening my account and trying to make me pay for fraudulent charges, which is why my account and card and should be reinstated. Please resolve this issue asap and do not close my complaint. I have reported this fraudulent charge multiple times, but agents do not correctly file the fraud claim. This charge is once again appearing on my account.
Product: Debt collection

On XX/XX/2021 I received a bill stating that I owe {$1200.00} from the XXXXorporation ONLINE INFORMATIONS SERVICES INC. I XXXX XXXX has never contracted with this corporation or the service address stated.
Product: Credit card or prepaid card

I have been dealing with credit card company now for several years, it's still on my credit report and is hurting my credit score and causing many finincial problem. Please help. Target and also XXXX XXXX. It was my dead husband. I have spent days hours etc dealing with this. I don't understand why it's not removed
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/XXXX at XXXX XXXX  I had some transaction happen in my cash app account that sent money to people by accident. I do not know how it happened but I looked at my phone and I seen transactions and tried to request a refund. One of the transactions declined, one I was able to have refunded and the other is just sitting there. 
I contact Cash App telephone support and because the guy could not find my account he wanted to close the case. I asked him if I could speak to a manager or supervisor he became very rude and hung up on me. 
I emailed customer support and I was told " After reviewing your account, I can confirm that a payment for {$99.00} on XX/XX/XXXX at XXXX XXXX  CST was sent to $ XXXX. 
They claimed to have reviewed my account and they determined the transaction valid. I have spent the last two weeks contacting customer support but no one will answer my questions. If they reviewed my account they would have seen that I have never sent or received money from $ XXXX. 
Below is my response to Cash App no one have made any attempt to answer my questions or tell me what happens to the money when it is not received. 

Is there a way I can speak to a top manager or the owner. It should be very clear that this transaction was done in error it was a mistake and no one in your support dept wants to help me fix a mistake. Again if you reviewed the account you will see that I requested a refund shortly after the transaction was made. If you reviewed you will see that there was two other transactions done at the same time that were also done in error. Your support did not give me a way to go forward to get my money refunded. You gave me some XXXX security measures which I do not need because base on this experience cash app is not what I need to use if the so called support won't help you fix an error. So since the {$99.00} has not been received by the person it was sent to what happens to it. Or does it just sit in cash app and you guys keep my money instead of ending back to me. I am sure there is a way that we can come to a peaceful resolution other than you telling me there is nothing you can do. Then that begs these questions to answer 1. Why does the customer service on the phone do not want you to talk to a supervisor or a manager? I tried and got hung up on.

2. Why is it that I can not get a phone call to resolve something that was clearly a mistake?

3. Since the money have not been claimed what happens to it?

4. When a customer tells you the transaction was done from their phone by accident or error how do you tell them that the transaction was authorized?

5. Are you trying to keep my money?

6. Where does the money go if it has not been received?

7. Who is the owner of cash app? How do I contact this person.

8. how can I get in touch with the following people XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent emails to them all this week and no one has made any effort to respond. Also according to their terms of agreement if the money is not claimed in 15 days the money would be refunded. It has been 15 days.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Affirm .has violated my rights under 15usc.1681 section 602 states I have the right to privacy under 15usc.1681section 604A section 2 it also states a consumer reporting agency can not Furnish an account without my written instructions. Under 15usc1666b A creditor may not treat A payment on the credit card account Under an open consumer credit plan as late for any purpose. Paid as agreed XXXX. 
Exclusions.-Except as provided in paragraph, the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit card or prepaid card

My credit card was lost/ stolen and i have already contacted the bank about this issue and i only got a call i was told it would take 3-5 business days to get my money back but its more than that now and i haven't gotten anything yet from any them. I'm i supposed to pay for what i did not use because i do not understand. I have already changed my card and all but nothing is getting done about me getting my money back. Its about {$40000.00} and i haven't gotten a good feedback from them yet. It's really frustrating. I have been a customer with them since 2014 and this is so strange. I need assistance urgently. I'm not going to pay for what i did not use. I want to get my credits back and all this thing sorted out as soon as possible