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

My account with XXXX & XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX Account Name U S Dept of EDXXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX have 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 an 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

improper use of credit report.
Product: Money transfer, virtual currency, or money service

CFPB, I have been trying to get Binance US to remove a hold from my account for months now and they refuse to do so. The hold that was placed on my account to prevent me from trading, selling or buying cryptocurrency has been removed. The hold that was placed on my account to prevent me from withdrawing money from it is still in place. I would like to remove my cryptocurrency from Binances platform because I no longer trust the company and its business practices. 

Referral and User ID : XXXX XX/XX/2021 : {$600.00} ( refund duplicate withdrawn from checking acct ) Your deposit ( Order IDXXXX XXXX was successful. 

Back Story The issue started when Binance US withdrew unauthorized duplicate funds ( {$600.00} ) from my bank account on XX/XX/2021 and XX/XX/2021. In other words, on XX/XX/2021 and XX/XX/2021, I authorized Binance to withdraw {$600.00} from my bank account and Binance US deducted 2 x {$600.00}. If I hadnt reviewed my bank statement, Binance US would have taken a total of {$1200.00} ( {$600.00} x 2 ) from me. The first time Binance US took a duplicate unauthorized {$600.00} from my account, my bank refunded the duplicate amount on XX/XX/2021 and left the authorized {$600.00}. The second time Binance US took a duplicate unauthorized {$600.00} from my account, my bank refunded the duplicate unauthorized {$600.00} on XX/XX/2021, and also mistakenly refunded the authorized {$600.00} that Binance US was supposed to get. On both occasions, Binance didnt provide any support and my bank helped me out. Since then, Binance US has placed a hold on my account because of the {$600.00} that my bank mistakenly refunded while trying to refund money Binance US took from account. I offered to have Binance US take the owed {$600.00} from my account months ago but their support team resorted to locking up my funds and putting various restrictions on my account instead. Yesterday, Binance US finally withdrew {$600.00} from my account to cover the owed amount. There is no receipt of the transaction. I just know I had {$1000.00} on the account and {$600.00} mysteriously disappeared after I emailed their support team for the nth time to asked that they take the owed amount from my account balance. Instead of unlocking my account after taking the owed amount from it, Binance US is still holding my account hostage and refuses to unlock it so I can remove my funds. 

Thank you, XXXX XXXX
Product: Checking or savings account

I was flagged for fraud by usbank reliacard and my account was locked until I uploaded a picture of my ID and a selfie I did that and since my address is different on my ID they want me to upload a a picture of a bill with my current address I do not have one I have a current ID social security card and a birth certificate
Product: Debt collection

I was wrongly evicted during the pandemic. I qualified for renters assistance and the balance of my past due rent was paid in full. The collections company ( Genesis ) confirmed that the amount paid was indeed the full amount due and agree to remove the account from my credit. They made no change for about 3 months and then ANOTHER debt appeared for another XXXX which has continued to put a damper on my credit.
Product: Money transfer, virtual currency, or money service

I bank at two national banks, XXXX XXXX XXXX and TD Bank. On XXXX XXXX, 2020 I initiated a funds transfer from my XX/XX/XXXX checking account to my TD savings account using the Bill Pay platform from XXXX. The amount I tried to transfer was {$200.00}. As of today XXXX XXXX XXXX, XX/XX/XXXX ), the funds have not been deposited into my savings account and TD has no record of this transaction. Although previous transfers using the Bill Pay apparatus has been successful, both banks deny responsibility for the disappearance of these funds. I have attached three proofs of payment from XXXX and two confirmations of deposits form my TD savings account. After hours of being placed on hold only to either be disconnected or shuffled among countless departments no one had answers. Finally, XXXX 's Online Bill Pay Claims Rep told me it may very well mean that the funds won't be recovered and I will lose the {$200.00}. They have done all they are going to do at this time. 
I find this unacceptable and fraudulent.
Product: Debt collection

They sent my debt to another collector and I paid them but they still have me in collections but I have no account with them.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never applied for these items I called XXXX told i sent in a dispute they have my police any other information they need they have they acting like they cant do nothing im in the process of trying to get me and my family house. So whatever you guys can do for me would be thats getting these items of my report so i can live my life me and my family.
Product: Student loan

I filed a complaint With CPFB on XXXX ( XXXX ). Not only did they not address the issues I presented in my complaint, National Collegiate Trust revised my report to add even more incorrect derogatory information. They now show that this student loan was a charge off. This loan was NOT charged off. On the contrary, this loan has been PAID AS AGREED since its inception. It is impossible to get in touch with National Collegiate Trust. The number they have posted on my credit report ( XXXX ) is not actually the number for National Collegiate Trust. It is the number of the services of the loan ( AES ) and AES told me they have nothing to do with this loan anymore. They gave me the following number to call : XXXX. This number just asks for you to leave a message. I left a detailed message but I am quite sure I will never hear from them. This loan should not be reported as a chapter XXXX wage earner payment plan - my chapter XXXX was discharged. There is NO payment plan with National Collegiate Trust, only my regular payments that were made and loan was PAID OFF. There should not be any derogatory information about this loan on any of my credit reports. If they can not get it right, then they need to remove it altogether.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day Wells Fargo service specialist. I typically turn around my compliant within minutes due to the obvious lack of a rear concerned effort to try and resolve my complaint, but due to an actual well-crafted response I had to make time to go over the response with some advisory professionals. That along with the CFPB system being down for a few days delayed my complaint submission until now. My complaint regarding my credit report is pretty straight forward. The property known as XXXX XXXXXXXX XXXX XXXX Fl, XXXX was foreclosed on, which to this day lease the only blemish on my credit report. I contest this negative reporting due to the many cases of mishandled loan modifications, intentional or not, at the hand s of Wells Fargo. It is my contention that special consideration should have been provided to me due to the highly toxic and predatory nature of the then PICK-A -PAYMENT loan that was peddled to millions of unknowing victims. Yes in XXXX my XXXX requested was denied due to having a housing expense of 12.95 % of my total income and a debt to income ratio of 35.38 %. However these non-qualifiable numbers came about from being forced into a state of fiscal survival and life changing sacrifices to me and my family. For starters when originally approved for a loan modification back in XXXX of XXXX by Wells Fargo it was at a time when my housing expense and debt to income was at the brink of fiscal collapse and Wells Fargo knew this. Did they offer me a step down modification plan that could help me through this difficult time... No Wells offered me the same dame interest terms and conditions that got me in this mess to begin with and to add insult to injury all overdue back payments, interest and fee would be place on the back of the proposed modified loan. XXXX me once shame on you XXXX me twice shame on me. Needless to say i was left with little choice other than to decline the so called modification, which only was altered enough to prevent immediate foreclosure proceedings, and take seek legal guidance. Above all, it is this XX/XX/XXXX modification that I contest as being the most damaging and yes unjustly corrupted. If need be I'm prepared to take these so called modifications in front of a judge and jury and see if in fact that I was unjustly targeted and treated by Wells Fargo. I know this to be true because I've had years to do very diligent research and I know factually that I was victimized by Wells Fargo. 
XXXX Account # XXXX & XXXX Trick-A Payment loan
Product: Debt collection

I had an 18 month promotional offer with XXXX for same as cash financing. Apparently, the offer ended on XX/XX/XXXX of which I was not notified by email or mail. I was assessed finance charges in the amount of {$1700.00}. I have paid my account on time during those 18 months. I called to dispute charges however, they said there was nothing they could do and I had no options. I told them I wanted to pay off my balance with the closing of my house on XX/XX/XXXX. They said I would have to pay my balance of {$2900.00} as well as the interest charged of {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

After careful review of my credit report. I noticed multiple unauthorized inquiries on my credit report. I contacted the 3 major credit bureaus such as Experian, XXXX, and XXXX about the problems and even the creditors as well but none of them seem to help out in this process but to give me information how to dispute the inaccuracies. I contacted all parties involved via certified mail asking for validation or verification of these unauthorized inquiries neither party has produced any evidence or documents that I gave my permission to these inquiries. Then I requested that the inquiries be removed from my credit report or that they produce documentation for the inquiries both creditors and CRA 's such as Experian, XXXX, and XXXX but none was able to produced any documents or validated the inquiries. now some creditors I was not able to reach due to not being an account holder with that creditor. Heres a list of the unauthorized inquiries and dates as follows : Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XX/XX/XXXX Balance : {$18000.00} EXETER FIN XX/XX/XXXX Balance : {$22000.00} XXXX XXXX XXXXXX/XX/XXXX Balance : {$560.00} XXXX XXXX XX/XX/XXXX Balance : {$12000.00}
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX - XXXX XX/XX/year> Cash App ( Block, Inc. ) XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Subject : Formal Complaint Against Cash App ( Block , Inc. ) for CFPA and EFTA Violations Dear Cash App ( Block , Inc. ) Dispute Department , I am filing a formal 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. Additionally, their dispute resolution process was unfair and deceptive, failing to comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have caused me significant inconvenience and financial loss, and I demand immediate corrective action and appropriate redress.

The specific violations include but are not limited to : Failure to Protect Against Unauthorized Transactions ( 15 U.S.C. 1693g ) Under the EFTA, Cash App is required to investigate and resolve unauthorized transactions. Their lack of proper security measures and refusal to reimburse fraudulent transactions have resulted in financial losses.

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAPs ) ( 12 U.S.C. 5531, 5536 ) Cash App engaged in unfair and deceptive business practices by misrepresenting the effectiveness of their fraud protection measures and failing to provide adequate customer support.

Noncompliance with Regulation E Dispute Resolution Requirements ( 12 C.F.R. 1005.11 ) Cash App failed to properly investigate, respond to, and resolve disputes within the mandated time frames, denying me the protection guaranteed under federal law.

Failure to Provide Timely and Clear Disclosures ( 12 C.F.R. 1005.7 ) Cash App failed to provide accurate disclosures regarding consumer rights and obligations under the EFTA, misleading users about their fraud protection policies.

Given these violations and the financial hardship caused, I demand the following actions : Immediate reimbursement of all unauthorized transactions in compliance with the EFTA and Regulation E.

A comprehensive review of Cash Apps fraud prevention and dispute resolution processes to ensure compliance with federal consumer protection laws.

A formal written response detailing the corrective actions being taken within ten ( 10 ) business days.

Please provide me with a written response confirming your compliance with my request. I expect full adherence to the CFPA, EFTA, and Regulation E requirements. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/2020 they sent me information that was not ask for i ask for agreement saying i have obligation to pay any debt and teems and conditions of any agreement and a verified true accounting of debt saying XXXX XXXX owe. I want them to remove this negative information from my credit report. And stop trying to harass me for any debt i don't owe and if so send me agreement or contract binding me. The company account resolution service should not report me to any credit bureau if we don't have any agreement. This harming my profile.
Product: Debt collection

Credit control corporation calls several times a day either looking for my wife or myself about a debt that we have no idea about since it is not on our respective credit reports. I have no collections on my credit reports so I do not have any idea what we supposedly owe since our bills are always paid ahead of schedule.
Product: Mortgage

I filed a complaint as well as a dispute to reopen modification consideration. The company and its representatives were unclear on what was needed to complete the modification and constantly told me they were not receiving documents that were sent. I received a phone call today XX/XX/2023 stating that they do not have a answer for me as of yet and have basically 2 weeks to reply to me although the sale date is before that time. I was asked if I was willing to comply with a modification and I agreed. I stated that I would pay the mortgage amount as well as a first payment down payment if approved. My issue is that during this review process the sale should be halted and postponed. Instead I'm left in limbo. I was told to call back next Friday which would be XX/XX/2023 to see if there is a possible resolution. I asked for written correspondence and again asked SPS to expedite this. I feel like they are pushing this to the very last moment so I have no options. I would like the company to just let me modify the loan so i can get on track and keep my families home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Far Credit Reporting Act XXXX account number # # # # # XXXX ( XXXX XXXXXXXX XXXX XXXX ) and account number # # # # # # # # # # # # # XXXX ( XXXX  XXXX XXXX XXXX ) has violated my rights.

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

15 U.S.C 1681 section 604 A section 2 also states a consumer report ac can not furnish an account without my written instruction
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX purchased my account from Cash Central. I took out several online loans through Cash Central and all of them were paid. I was notified when they were paid by their website updating automatically that there was {$0.00} owed and the account was not past due. These were set up on automatic debit. I have screenshots from Cashcentral.com 's website which show that none of my loans are past due and I owe nothing. 

XXXX XXXX XXXX has refused to send proof the debt was paid. Sending an original loan document shows there was a loan not that there currently is a loan. 

The bank account the loans were drafted from don't go that far back, but as you can see from the screenshots all of my loans show {$0.00} past due and nothing owed because I've paid off my loans.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i requested that Equifax remove the inquires off my credit report as of today XX/XX/year> i have not heard anything from this company
Product: Student loan

On XX/XX/XXXX, I noticed that my loan balance with Aidvantage had increased by {$100.00} without explanation. My previous Aidvantage statement from XX/XX/XXXX, showed a balance of {$27000.00}, but as of XX/XX/XXXX, my balance was listed as {$27000.00}. This increase is not reflected in my official XXXX XXXX XXXX XXXX XXXX ( XXXX ) records. 

I contacted Aidvantage via their online messaging system to request a detailed breakdown of this balance adjustment, including an explanation of whether this was an interest charge, adjustment, or error. Aidvantage has not yet provided an adequate response or clear documentation proving this charge was valid. 

This unexplained increase raises concerns about potential mismanagement or errors in Aidvantages loan servicing. I am requesting an official investigation into this matter to ensure that Aidvantage is accurately reporting loan balances and not making unauthorized adjustments. Additionally, I request that Aidvantage provide a full and transparent explanation of this {$100.00} increase and correct my balance if this charge was applied in error.

If Aidvantage fails to provide a valid explanation or adjust my balance accordingly, I am prepared to escalate this matter further to the Federal Student Aid Ombudsman and the Department of Educations Office of Inspector General.