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

On XX/XX/2021, I sent XXXX to my kucoin wallet from Binance.US. 

Here is my email to Binance.US. Hi, I sent XXXX to kucoin with the incorrect memo. They are resending the funds to my Binance.US account but they are not sending it with a memo. So please, can you help and make sure the funds get back to my binance.us account? 

Here is there reply : Thank you for contacting Binance.US customer support. Forgotten/incorrect memos are common with the following assets : XXXX ( Binance Token ), XLM ( XXXX  XXXX  ), XXXX ( XXXX XXXX, XXXX, and a few others. 

To get this credited to your account, we need you to provide us with some additional information. 

There is also a No Memo deposit fee of 5 times the withdrawal fee. The amount that will be credited to your account will be slightly smaller than the amount that you deposited. You can find more information on our No Memo/Tag fee here : https : XXXX At your earliest convenience, please send us all of the following information. 

* TXID : We need the full transaction ID ( TXID ) for the deposit that is not showing in your account. Please copy/paste the actual TXID and send it in text format as we are unable to transcribe screenshots. 

XXXX Video : We need a video of you with your face clearly visible saying all of the following into the camera Today 's Date is ( date ), the name of the coin is ( coin ), and deposit amount is ( amount ). This is to confirm that you are the owner of the account and that you authorized this transaction.

* Screenshots : We need a screenshot of your wallet/exchange that clearly shows the transaction details such as * 1. The name of the coin.

* 2. The amount of the transaction.

* 3. The date of the transaction.

* Attachments : Attach the video AND screenshots here in this chat, and send all of them to us. 

After we verify the video, we'll notify our technical team to recover your assets and attach them to your account. 

~~~~~~~~~~~~ Also, I withdrew 62 HNT from my Binance.US account to my wallet. The process says its processing as of XX/XX/2021. So all in all, Binance has about {$4000.00} of mine and have not given it back.
Product: Credit card or prepaid card

On XXXX XXXX, I made an online purchase with my XXXX XXXX XXXX ( AEO ) credit card and the purchase was approved. I had a known credit line of XXXX dollars with XXXX available. After making the purchase and returning the items, XXXX decreased the credit line to XXXX without my knowledge and as a result, put me over my credit limit by XXXX some dollars. I think this is unfair practice and as scam for a customer who paid the bill on time or before time. I called the company and they stated that the affiliated bank decreased my credit line and there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have been a victim of identity theft since 2018. I have filed numerous police reports and complaints with the FTC. I am submitting this complaint to your agency to submit to the CRA 's. Please help me expedite the removal of the fraudulent accounts on my credit report.
Product: Credit reporting or other personal consumer reports

After two complaints and repeated disputes, my report still contains the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account on many occasions with XXXX, Experian and XXXX  and each time it comes back as Verified. 
Creditor reports Date of Last Payment XXXX payment history has No Reporting
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I never received my escrow refund check for loan XXXX Send me my refund check, thank you.
Product: Mortgage

This is a copy of a letter I sent to Nevada State Bank on XX/XX/2021 regarding a complaint on my Home Equity Line of Credit account # Last month I had to call several times because the an error in fee. There was a small draw fee of {$30.00} that was added in my account that was not part of the contract. This was later removed after contacting my loan officer, XXXX XXXX. 
I also questioned the balance that was transferred into my new promotion of 0.90 % for 12 months which was around {$90.00} more than I expected but was reassured this was correct. Here is an excerpt of my communication with the loan officer : Yes that is correct but if you look at the XXXX statement, the 3.25 % was used to calculate the interest rather than the 1.99 % interest rate. The XXXX statement is correct because it used the correct interest rate but in XXXX statement a wrong interest rate was used. I think the extra {$90.00} or so came from the incorrect 3.25 % rate which my heloc never had as my account went from the 1.99 % promotion to the 0.90 % promotion. Please have some review this as I still believe that my calculation is correct. 
I called today XX/XX/2021 seeking clarification on the interest charge for the XX/XX/2021 statement which is incorrect. I am not sure where the {$100.00} interest for the average daily balance of {$88000.00} at a 0.90 % APR on a 30 days cycle came from since my calculation the interest should only be {$65.00}. Even the statement which listed a XXXX daily rate comes to only $ XXXX for my balance. The representative I spoke to does not know the reason and informed me that a ticket will be created for the back office to review. 
Lastly, I gave up with using billpay to send my monthly payment to this line of credit. I am not sure why the Nevada State Bank system of processing payment is very unreliable. All other billpay payments I have with my bank XXXX XXXX posts in timely manner. My account with XXXX XXXX notifies me of payment sent to Nevada State Bank to ensure receipt by XXXX of each month. However, my payment does not post into my line of credit until 7-12 days after the XXXX day of each month which is very concerning as I could be hit with late payment for payment sent on time but not processed on your end on timely basis as what happened 3-4 months ago which was later corrected after only contacting the bank of this error. This poor process also creates a huge disadvantage to the consumer with line of credit account as interest rate is calculated on daily basis and any additional day of payment not posting is an additional day of interest charged to the account by the bank. This may be illegal and is the reason I am writing this letter to preserve my rights. 

I hope these concerns and errors are addressed in a timely manner.
Product: Debt collection

I had contact the office by phone more than one time and the person that unswerving its very very rude, unfriendly aggressive and intimidating that I will be sue by them one more time? 

We are all having a difficult time with This COVID-19 pandemic. To get job or just to keep it. 

I kindly asked for help with this office because they only wanted to scare and intimidated people in order to get the money. 

Its my first time that I see a company with so many complaints and bad reviews, Why they continue open? 

At the moment I had a debit of {$900.00} but after my last called I believe that they want more FREE SCARRING MONEY
Product: Debt collection

XXXX with American Express has been repeatedly calling me to collect a debt that I previously told her I could not pay all at once. She is unwilling to set up a payment plan to pay off the debt and has started calling my family, my wife and my work to try and collect this debt. 

The number she has been calling me from is : ( XXXX ) XXXX
Product: Debt collection

XXXX XXXX XXXX  is trying to collect a debt from two accounts that I don't know about and have taken negative action against me by damaging my credit and credit score. I have no documents, agreement, or contract with XXXX XXXX XXXX  that's damaging my credit, hurting my credit score, and preventing me from obtaining employment.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX and XXXX report but Transunion failed to perform an investigation and delete the disputed information. 

XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$330.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$11000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of $ O. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Transunion failed to perform an investigation and delete the disputed information. 

XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$75.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$40.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$790.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

In XXXX call for me to parents landline phone, told mom, needed to talk to me about debt owed on XXXX credit card, took name and number, I returned call after work.spoke to XXXX XXXX. 
4 and some dollars charged between XXXX on a credit card in my name, a XXXX card. 
Explained was fraud, actually I thought he was a scammer because he kept asking for my Social security number. I told him to send all evidence he had and charges, where account was open so I could file identity theft and he agreed. Couple months later knew was scam because nothing ever came to address He had and where I still reside. 

1 year later, I get a letter from debt collector, to call XXXX XXXX, again XXXX, call, am told he is not available, give them information from letter and Im told that account was paid in full in XX/XX/XXXX, made no sense but ok, because I knew wasnt my account. Days later I received another letter from same debt collector saying still owed XXXX, 30 days to dispute Mailed dispute on XX/XX/XXXX- calls kept coming to my parents-from XXXX XXXX on this debt, not me on my cell.and to date calling continuously 7 days a week Sent for my 3 credit reports, Bureaus inc reported on all 3, and I had been trying to consolidate student loan debt ; was being denied, knew I owed nothing but student loans, Middle of XXXX received another dispute letter from debt collection agency Bureaus investment group ( Bureaus inc. LLC ) XXXX XXXX, called first spoke with a XXXX, then her Manager, again told me very sorry I hadnt received my dispute packet with all the documentation I requested, didnt know where it could be, had kept a copy with address sent to, and mailed correct. 

Wrote dispute letter number 2, and included dispute 1, also reminded the manager our phone calls were all recorded and I dont know what there doing, but I am not paying someone elses account, or identity theft and fraud on me. Mailed second letter out certified mail and with tracking, date mailed XX/XX/XXXX As of middle of XXXX harassing phone call still continue, I HAVE NOT AGAIN RECEIVED ALL DOCUMENTATION REQUESTED SINCE XX/XX/XXXX, again XXXX, and again XXXX, spoke with A employee named XXXX, He said mailed out XXXX XXXX. I called Collection Agency again on XX/XX/XXXX, spoke again to XXXX about No information received, I let him know I need this off all my credit reports, Im doing everything I can and more, and again 3 months been waiting for all documentation requested. 

Received packet on XX/XX/XXXX, One, ( 1 ) piece of paper a note dated XX/XX/XXXX on XXXX letterhead sent? to a residence where I lived over 3 years ago. And forms to fill out for fraud/ identity theft, Yes yes yes thats it, no type of documents, as I write this back to back calls come in from there debt collectors Have all my information ready including all documentation needed, will be mailing on XX/XX/XXXX Certified to debt collection agency, and all 3 Credit Bureaus Investigate, and remove from my credit reports, Im drowning in student debt interest, and This XXXX fraud account has to be corrected and removed.
Product: Checking or savings account

On XX/XX/year>, i called Cash App to dispute a transaction for {$350.00} paid to XXXX Pay, the transaction went through fraudulent transaction before it ended up to XXXX XXXX, i called XXXX and they have no record on me purchasing any thing on that date, the final account was XXXX XXXXXXXX  that never had, i have the fraudulent agent phone number where he text me and ID which is also bogus This scam needs to be caught I might not recover my money, but the people who done this should be held accountable Thank you if can assist me with this issue.
Product: Mortgage

PNC LN XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XXXX We have submitted our authorization and a complete short sale package to PNC. They have set a foreclosure date for XX/XX/17, are refusing to provide a payoff demand to an authorized third party, and are also refusing to review the file for a short sale. <P/>PNC has not ever attempted to contact the homeowner. The homeowner only found out her home was going to foreclosure last week and only because real estate agents started calling her. PNC has never contacted the homeowner, has never attempted to do any kind of workout option with her, and this is violation of State and Federal Law. <P/>Since the homeowner is XXXX years old, PNCs lack of legally required communication also raises questions of Elder Abuse. Elder Abuse is a violation of California law. <P/>Since we already know that you are going to claim you have contacted the homeowner, we want proof of this. I want to know the date/time that you have contacted her in accordance with state and federal law. <P/>Weve had issues with pnc before regarding their lack of communication with their own homeowners, and we end up having to file a CFPB complaint on every file we have with them. We are tired of the hacks in their legal dept telling us that we are lying and they have done nothing wrong. In fact, in every response that we get back from their legal hacks we are told we are lying. How is it possible that in all of the CFPB complaints against PNC for the consumer to be lying 100 % of the time??? We have closed over 2400 short sales in the last 9 years. PNC is saying that we lie on every single complaint? Does that sound like Reality to you?? When is the CFPB going to enforce the laws that are in place to protect the homeowner?
Product: Credit card or prepaid card

I was selling items on XXXX and my sales increased in a few weeks which I deemed is because of the holidays. I allowed the customers to pay me through Paypal so they could feel secured, however, when the sales start going over a thousand dollars Paypal freezes my account. Additionally, I also purchased some items from XXXX  using my Paypal credit card but the Store did not have the products and cancel the order. But Paypal did not return my funds back to my account in the amount of XXXX. Paypal freezes customer accounts so they can artificially inflate the amount of cash reserves that they have under pooled bank accounts that are under Paypals name. From previous class actions law suit against Paypal, it is known that Paypal freeze accounts and hold consumers funds up to 180 days without paying any interest to these consumers, this action should be against the law.
Product: Debt collection

XXXX XXXX XXXX calls up to 10 times a day.. I have asked several times for proof of debt in writing.. and how to.dispute it.. they have asked for several different amounts.. and sent only one email that has no dispute information in it.
Product: Credit card or prepaid card

Attempting to communicate further with Citi has proved impossible. They refuse to help me via their secured chat, demanding that I call and speak to someone, which is extremely ableist and shouldn't be allowed. Further, they threatened to charge me a late fee even though I have no outstanding balance. This truly is not a bank, it's simply a scam.
Product: Credit card or prepaid card

I have had this credit card account for over 10 years and it is in good standing and has never had a single late payment. I also have considerable other financial relationships with Citi, all in good standing. As a complete surprise, I received a letter dated XX/XX/2021 informing me that my credit limit had been lowered from {$15000.00} to {$1700.00}, for " serious delinquency ''. I do NOT have any " serious delinquency '', nor do I owe any money to anyone, I pay this card and ALL other revolving accounts IN FULL every month. It is absolutely unacceptable for Citi to " nickel-and-dime '' me in this way. I usually use this account for charges of around $ XXXX {$4000.00} a month in order to generate XXXX points and I always pay in full each month, the new limit makes this card practically useless. In addition, Citi stated that their decision was based on a report from XXXX Credit Information Services. I reviewed my XXXX credit report and found no negative information of the sort stated by Citi in their letter.
Product: Debt collection

The company Sequium has called me on numerous occasions with a recorded message. I have called their number XXXX three times. Each time they told me it was for a different person and I would be taken off their call list. On Friday XX/XX/XXXX they called and again said they would remove me from the list. Today, XX/XX/XXXX they called again. I called them back and they again said they would take me off list. I am tired of dealing with these people. It has been going on for over a month and they have called me no less than seven times. The recorded message says that I owe money. When I call them back they say it is an error and they will remove me from their list. So far that has been promised three times and it still has not worked. We are on the Do Not Call List.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy XXXX XXXX RE : XXXX has violated my rights 15 9.5.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

The Citibank Home Depot account was opened pursuant to XXXX CFR XXXX was a purchase money loan in which I should have received a cash advance and I did not. The account was never credited for the certificate of indebtness or the dividend interest made off my treasury coupons via the XXXX Funds Transfer Act. The IRS states as well as XXXX XXXX XXXX this debt has been XXXX and I should have received a XXXX for balances over {$1.00} to report as income. According to the XXXX, I have no obligation to pay a promissory note, this would constitute as securities XXXX. 18 USC 8 According to 12 CFR 1006.22 ( b ) XXXX XXXX  purchased a debt that CitiBank could not collect, but by means unknown to me, they retrieved my banking information and began debiting my checking account UNAUTHORIZED by me for XXXX a month. ( Theft ) I located a notice they mailed to me LYING stating I REQUESTED for them to do so. XXXX XXXX purchased the debt, so it belongs to them. Pursuant to 18 USC, I owe no debt to this company. CitiBank XXXX15 USC 1692 ( d ) by selling the account to collect the debt.