23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XX/XX/XXXX I closed my HSA account with Optum Financial. I received a check, in the amount of {$3500.00} on XX/XX/XXXX. I tried to cash my check and it was declined. I called Optum Financial on XX/XX/XXXX to tell them I could not cash my check. They said they could reissue me a replacement check. On XX/XX/XXXX I received a replacement check. Check number XXXX. I tried to cash the replacement check and it was also declined. I reached out to Optum Financial customer service again and they informed me that the first check, check number XXXX had been cashed. Which was news to me because I did not cash the check. I would like to. I have since opened 10 cases with Optum Financial regarding my check. I have reached out to XXXX XXXX the president of Optum Financial Bank. I was corresponding with XXXX XXXX via email. I have completed and returned 2 forged check affidavits one in XXXX of XXXX and another XX/XX/XXXX. I have contacted XXXX XXXX via email to see when I can expect a check or to get a status update on my check and he will not reply to my emails.
Product: Money transfer, virtual currency, or money service

I have invested over a XXXX dollars in cryptocurrency on Binance.XXXX. After a bank issue ( in which the missing funds were promptly replaced ), my account has had its trading/withdrawal functions revoked. I have provided all the required ( and invasive ) documentation and verification for their Deposit Appeal process, and I do not own BinanceXXXX any money, nor have I - for weeks now. 

Like hundreds of others XXXX XXXX, XXXX XXXX, my funds are still locked - weeks after replacing the relatively small sum of funds that never transferred XXXX something like {$760.00} XXXX. And my account is still less useable than a paperweight. I believe Binance.XXXX is selectively scamming people, and they still believe that they can get away with it. Our community is growing, and angry. Many people have lost much larger opportunities than myself, and have lost access to accounts with larger balances. I've seen a comment/post about one particular user who claims their 5-million-dollar account is still locked ( and has been for longer than my own ). 

I don't know what to do. I've started a Discord server for the community to gather on, contacted XXXX, tweeted @ every possible member of the Binance team that could see it, sent in weekly support tickets ... It feels like their support team is not just slow, but nonexisistent. Anyway, A LOT of people need help right now due to account issues with Binance.XXXX 

Here are my XXXX case XXXX : # XXXX ( XX/XX/XXXX ), # XXXX ( XX/XX/XXXX ), # XXXX ( XX/XX/XXXX ), # XXXX ( XX/XX/XXXX ) The email address associated with my account is " XXXX '' Thank you very much. I was motivated by our # XXXX XXXX to share my story with the CFPB, and I hope this can help out someone else too. I think this is happening to a lot of people, and I'm not sure how many are actually taking it seriously XXXX other than the 351 subscribers of the XXXX subreddit created one month ago, and a couple other small online gatherings )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent request to  XXXX , Transunion, and  XXXX  regarding reporting of a  XXXX   XXXX  on my credit file. I received a letter from bankruptcy court stating they do not send information to credit bureaus. The  XXXX  major bureau sent me notification stating they received reporting on the account from  XXXX   XXXX . This is inaccurate reporting as nowhere on my credit file does it state that information was obtained from  XXXX   XXXX . It specifically states this was reported by  Bankrupty Court. I s ent the  XXXX  major bureau a 2nd letter requesting this be removed for inaccurate reporting. I received a response again that it had been verified
Product: Credit reporting or other personal consumer reports

I demand a thorough investigation and immediate correction of the following inaccuracies and inconsistencies identified on my credit report : 1. XXXX Inconsistent Date of Last Activity : Dates differ between XXXX, Equifax, and XXXX. 
Payment History Errors : Late payment history does not align across all three bureaus, creating confusion.

Requested Action : Immediately synchronize and correct all reporting to reflect accurate and consistent data.

2. XXXX  XXXX High Balance Misreporting : High balance amounts conflict between bureaus, which is misleading and affects my creditworthiness. 
Previous Dispute Markings : The account reflects previously in dispute but remains unresolved. 
Requested Action : Remove outdated remarks and align payment history for uniform reporting. 
3. DPT EDXXXX Payment Deferment Reporting : The account status fails to uniformly acknowledge deferments and reflects conflicting late payments.

Account Classification : Incorrect categorization as Student Loan versus Miscellaneous Finance violates Metro 2 guidelines.

Requested Action : Update the account classification and ensure all payment histories reflect deferment accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting fraudulent info on my credit report. I have been a ID THEFT victim and they have been wonderful with helping to fix all the fraud. There is now a account that is re-reporting that was once removed due to it begin fraud. This account needs to be re removed ASAP as it is fraud. Supporting documents have been sent in. Thank you
Product: Student loan

Hello, I have public student loans and recently applied for public service loan forgiveness ( PSLF ) in XX/XX/2022 through the loan servicer MOHELA. 

I mailed my PSLF application form to MOHELA in XX/XX/2022 and learned from them 2 weeks later that they had lost it. I uploaded my PSLF form to their website through my account that day in early XX/XX/2022. On checking the website recently on XX/XX/2022, the document had disappeared from the 'received documents ' section. I re-uploaded the PSLF application on XX/XX/2022. It again disappeared when I checked the 'received documents ' page on XX/XX/2022. I re-uploaded the PSLF application on XX/XX/2022. The document disappeared from MOHELA 's website again on XX/XX/2022. I re-uploaded it then for the 3rd time. The document disappeared from MOHELA 's website again on XX/XX/2022. I re-uploaded it then for the 4th time. The document was gone yet again from MOHELA 's website when I just logged in on XX/XX/2022 evening. I re-uploaded the PSLF application for the 5th time just now. This is becoming madness as my uploaded PSLF application has now disappeared 5 times and my mailed form was lost by MOHELA. 

This can not continue. I need to be able to submit my PSLF application somehow to MOHELA and to have the form acknowledged and processed before the XX/XX/2022 deadline for this process. I have already sent MOHELA multiple messages and called multiple times with no reply or help provided. Whether this fraud is accidental or intentional, it is significant and provides me with no access to a repayment option for my student loans that should be legally available to me. I am considering legal action in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request the credit report agency to investigate the false collection. They reported back to me stating that its accurate. I did thorough research, and this account is inaccurate. 
XXXX XXXX XXXX. XXXX, XXXX Account XXXX Original Amount Owed {$2000.00} In accordance with the fair credit report act XXXX  Account XXXX, has violated my rights. 
15 U.S. Code 1681- Congressional findings and Statement of purpose. It also states a consumer reporting agency can not furnish account without my written instruction.
Product: Credit reporting or other personal consumer reports

Please understand that the details in my credit report are inaccurate. It includes addresses, employers and inquiries that are not associated with me. I urgently require the removal of this fraudulent information. Given that I have been a victim of such issues in the past, I am taking every possible step to ensure the accuracy of my reported information. Since I have not received a satisfactory response from the institutions responsible for reporting accurate and permissible data, I am now seeking assistance from a higher authority. Kindly expedite the process of removing this erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following names, accounts or inquiries : Name : XXXX XXXX ; Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX U S DEPT OF EDXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00}, XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$200.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; Inquiries XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation.

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA.

Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at XXXX XXXX XXXX 

Thank you for your immediate attention to this matter.
Product: Credit reporting

I submitted all the forms as required for an extended fraud alert : police report, social security card, and driver 's license. However, my account was only placed on 90 day fraud alert. I submitted one letter and another application with no response. My account was actually breached on my credit card ; police report to verify it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I emailed Santander via their website requesting full validation of the debt. Sander did not provide me with any validation as they stated they need to speak to " me ''. I provided them with what I needed. The bill has been paid directed to the collection agency. Santander is reporting incorrect dates " Las payment made XX/XX/XXXX ''. I have not paid them anything since XXXX. The collection had been at XXXX XXXX XXXX for 2 years. Santander refuses to give me full validation. I need these documents to show how old the charge off is. I requested the validation on XX/XX/XXXX. I received an email on XX/XX/XXXX stating they needed to speak with " Me ''. No validation gas been received to date. The agent 's name is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I sent this letter and did not receive anything but copies of statements. Now XXXX XXXX solutions is contacting me regarding this same debt. I never received a XXXX from XXXX. If they charged off the account, then they have fraudulently sold it. I have no contractual agreement with XXXX and do not owe anyone any of this. XXXX is reporting this as a charge off on my credit file, and has clearly sold the same debt to XXXX-that is fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a message and a call from Chase stating my account was hacked and my money needed to be moved from my old account to a new account. Out of fear I did what I was told since the call came from an actual chase number and I was scammed out of {$1500.00}. When reported to chase after discovering it was fraud they said they couldnt do anything for me unless the person that took the money returned it. My old account was closed and I was given a whole new account but my money was never returned. 

Below is the account information of the person the money went to. I dont even have family in Florida but I never thought that this was a personal account since I received the call from a Chase number. 

ECTRONIC WITHDRAWALS XX/XX/XXXXXXXX XXXXXX/XX/XXXX Online Domestic Wire Transfer Via : RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was solicited to open a charge card through XXXX  a company that I have dealt with for several years. When I was rejected, I got a letter from XXXX XXXX  on XX/XX/2019 and it was reported from SAGESTREAM , LLC had submitted information I was deceased. I have tried to contact Sagestream at least 10 times and I only get an answering machine with the message they will call me back but they never do. I submitted a request for a credit report from their company online twice and I have not received it. I sent them a letter along with a copy of my driver 's license requesting that they fix the error and the only thing that I got back from them is a letter that they received my correspondence and a copy of my rights.
Product: Credit reporting or other personal consumer reports

I noticed there are addresses on my credit profile that are incorrect.
Product: Mortgage

On receiving my form 1098 for year XXXX I noticed the total interest paid went up to {$6300.00} is comparison to the previous year. I always make additional to principal which the mortgagor said will be applied to principal as requested. For XXXX total interest paid was {$6100.00}. Please note that the company in question Rushmore Servicing recently purchase my loan from Rushmore Loan Management Services.
Product: Credit card or prepaid card

i got  two a ccounts with  US b ank with a low rates promotion, and i set up automatic payment from my bank account for more than a minimum payment of {$45.00} every months, then this bank increase my minimum payment to {$68.00}, {$71.00}, {$72.00} and so on without my authorization, due to my bank charge me overdraft protection fees. not even i called them to close the account and membership of {$99.00} a year never reimbursed to me, and receive a lower APR offer to me not he % 16.99 i have currently in other to pay my debt friendly.   i am wondering is nobody can stop this abusing practice to the customers in  USA , and i hope you can help me to find a good solution f my case.   sincerely   XXXX   XXXX    XXXX  account  XXXX ,  XXXX   US BA NK   XXXX   XXXX   XXXX   XXXX   XXXX  , MO  XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute these fraudulent accounts following information that appears on my Equifax, XXXX, and XXXX report for fraud. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that und

er 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

Case # : XXXX Mon, XX/XX/2023 at XXXX XXXX  Dear Incomm, Please see the required information requested. I have provided a copy of my credit card statement highlighting the purchase for the cards in question. 

If you require further information, please let me know and I can provide a quickly as possible. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list o items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX MD XXXX XXXX XXXX XXXX XXXX WASHINGTON , DC XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$180.00} Medical XXXX Balance : {$260.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Not really an error. It is intentional by the credit card companies. I just noticed that my elan financial credit card accounts XXXX and XXXX is being shared with us bank. So my XXXX credit card accounts have been turned into XXXX separate accounts. Elan financial is reporting XXXX and XXXX as being their accounts to XXXX  and us bank is reporting them as being their accounts to equifax. My XXXX accounts can't belong to XXXX different banks. Why are you both sharing my XXXX accounts as if they belong to both elan and us bank? as if that is legal. I don't need to submit docs, even though I have them. You both know what you are doing. And you know it isn't legal. I didn't bother complaining, because it would do no good. Clearly you know you shouldn't be doing what you are to begin with. I just need it on record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the federal reporting credit act. This creditor has violated my rights. Under 15usc,1681 section 602 states I have the right to privacy, also 15usc 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b, a creditor can not treat payment on a credit card under an open and consumer credit plan as late for any purpose. The creditor XXXX has done this to me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

My daughter and I moved out of a California apartment in XXXX of 2022. We owed about XXXX months back rent due to unemployment during the pandemic and were told by our apartment XXXX that " they would work with us on a payment plan ''. XXXX months later, XXXX contacted us via phone regarding the {$7800.00} in back rent. Apparently, that was the " payment plan '' the apartment management had decided on, versus working with us. For months, XXXX would not let us pay anything but the entire amount in full. Then after that, we were told we could pay this off in 90 days. All we've been able to afford is $ XXXX, and they have repeatedly refused to take our money, despite us trying XXXX to pay them. For a short time, they let me pay them $ XXXX, which has only brought the debt down {$800.00}. They will only take payments over the phone. You can not send them a check, nor is there a way to pay online. This has been going on for 20 months now, with no end in site, and they are back to telling us we owe the entire balance in full. I have asked them several times to stop contacting my daughter, as I am the one trying to pay off the debt, but they have refused to do that, so she blocks every number now that they call from.