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

purchase mattress at Raymour & Flanagan, XXXX PA store - XX/XX/19 salesman convinced me I should charge on y R & F credit acct and I could pay 30 days after receipt of bill from them. I moved  and changed my address -mattress was delivered to my new address. New house-lots of purchases, so did not notice that I had not received a bill until I got one in XXXX. This bill was from TD Bank and had late charges. I called them. They said they had sent 3 bills to my previous address and the third one was returned to them. They then contacted R & F and got my new address. They said they would take away charges and I drove to R & F and told story ( I never opened a credit card with TD bank ) I paid for the mattress on that day XXXX/XXXX/19 to R & F. TD bank continues to bill me with more late charges and said they dd not receive that payment until XX/XX/XXXX. 
I have pages of correspondence to TD bank as well as XXXX XXXX XXXX ( who refused to do anything ) TD Bank has now turned the sum of {$200.00} to collection agency and notified the credit bureau. I am XXXX yrs old and have perfect credit - always pay in30 days. I believe R & F is at fault as the never gave my new address t TDd Bank and I am not sure why It was T bank that is billing me as I used a R & F credit card. TDd bank even sent me a credit card which I did not request. R & F told me TD handles their financiia accounts but I was not aware of this if I pad R & F 30 days from bill. 
I do not plan to pay these fees. Thank you for your help an concern. I have lost a lot of sleep over this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 credit inquiries from unauthorized accounts I know dealt with or applied for, I recently checked my score and show these things posting up.
Product: Credit card

My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 XX/XX/2023 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.

This company 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.
Product: Debt collection

The aforementioned credit collection agency representing XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Harvest Associates does not have any documentation, they need to retract this from my credit file immediately.
Product: Debt collection

On XX/XX/XXXX I received an email from XXXX XXXX XXXX XXXX a third party debt collector stating that I owed AFFIRM {$100.00} on an account ending in XXXX. The {$100.00} was paid in full on XX/XX/XXXX over the phone with an AFFIRM customer service representative who willingly took the payment. The representative never mentioned the debt was in collections. 

I immediately disputed the debt via XXXXXXXX XXXXXXXX XXXX  on XX/XX/XXXX and asked that they provide verification that I owed said debt. I also followed up with a written letter sent via USPS. On XX/XX/XXXX, the debt came back as verified. I contacted AFFIRM via email and phone to see if this issue could be taken care of on their end. They told me I had to dispute with XXXX XXXX, even though they understood that the {$100.00} was paid with an AFFIRM customer care representative. Between XX/XX/XXXX and XXXX, there has been correspondence between AFFIRM, XXXX XXXX and myself. The latest email from AFFIRM customer care stated that the {$100.00} was paid and that they suggest I contact XXXX XXXX XXXX XXXX, so they can verify the new status of this loan and ensure there's no outstanding debt. I then emailed XXXX XXXX XXXX XXXX AFFIRM 's response to no avail. All I'm asking is that the debt in collections be cleared from XXXX XXXX XXXX XXXX database because the {$100.00} was paid XX/XX/XXXX, I heard from collections XX/XX/XXXX, I didn't receive notice that it was in collections until XX/XX/XXXX. The collection has been added to my XXXX Report and has been detrimental to my overall credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint on behalf of my daughter, whom has a credit freeze placed on. her account as she is a minor. 

In XXXX, I received a letter from Experian that described itself as being Dispute results. The letter was dated XX/XX/XXXX and the report ID is XXXX. I was perplexed, since my daughter is 1 ) a minor and 2 ) has had a credit freeze in place since I placed it on her profile in XXXX and 3 ) we initiated no dispute. The letter itself had no information that could be read to understand what was being disputed, however the bottom of the first page did say the outcome was that something was updated.

After receiving the letter I then went to annualcreditreport.com to attempt to order a credit report from each bureau, however I was unsuccessful. I am guessing that this has to do with either the freeze or it being a freeze on an account associated with a minor. As a result I ordered physical copies of all 3 bureaus to be sent to me ( by phone ). 

To date only one has come, that being the Experian one. That letter dated XX/XX/XXXX with a report ID of XXXX. The letter similar to the dispute letter has nothing that shows on the credit report. However the concern that I had was that I did not initiate a dispute for my daughter and I need to know if her information was accessed, which could be reasonably concluded based on the language of the dispute letter. 

Today ( XX/XX/XXXX ) I called Experian using the number identified on the credit report letter ( the dispute letter had none ). After again unsucessfully attempting to verify, though all details were entered correctly I got the runaround from Experian 's automated system. The XXXX literally stated that they can only transfer to a live person in certain circumstances ( without explaining them ) and it kept trying to direct me to communicating via website although automated efforts have not been seamless thus far in interactions around this topic. 

Given the difficulty in getting information and not being able to speak to anyone I decided to submit a complaint this way to try and get a clear idea of what has occurred on my daughter 's profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX/XXXX XXXX on my XXXX report of being late on a payment. The account was paid in full before the next billing cycle. XXXX/XXXX XXXX charged me {$57.00} dollars for the monthly minimum payment, but the account had a XXXX   balance. 

This is affecting my ability to get loans/better interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Equifax Credit Reporting Agency and I have not received a response to my letter of dispute for the following companies. 
1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Letter was submitted to Equifax, requesting for an investigation of inaccurate information being reported into my credit profile due to identity theft. I have not been notified by Equifax of any results. It has been over 30 days. Original submission was on XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX # XXXX Pursuant to 18, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4. 

Account : XXXXXXXX XXXX XXXX XXXX  # XXXX I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( XXXX XXXX authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a XXXX entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I noticed suspicious account activity on my BinanceUS account. Therefore, I manually executed the option to lock my BinanceUS account using the lock option on BinanceUS on XX/XX/2021. Later, I created a request ticket and sent BinanceUS the reason why I chose to manually lock my account. 

NOTE : My current BinanceUS account contains over XXXX of crypto to include BNB, ADA, VET, USDT, and USD. All funds remain available in the wallet prior to me manually locking my account. I read many posts about how BinanceUS claims to be backlogged with tickets. 

My first initial request ticket XXXX was made On XX/XX/2021, I made a request to have my XXXX XXXX to be removed from my account. BinanceUS required a selfie of me holding my driver license. I submitted the required document. XX/XX/2021 I got a response stating the following : " Thank you for contacting Binance.US customer support. 

First and foremost, I sincerely apologize for the delayed response! I can assure you that you have not been overlooked! We have had an influx in customer responses over the past few weeks, and although we are trying our best to keep up, it is taking us a bit longer than usual to respond. 

We have now escalated your inquiry to the appropriate team for further assistance, we appreciate your patience while your ticket is reviewed. 

Thank you, Customer Support Binance.US " BinanceUS never reset my XXXX XXXX 

XX/XX/2021, BinanceUS responded requiring me to submit a selfie containing a statement on paper, my ID, a written address, and utility bill containing my address. I submitted all documents on XX/XX/2021. 

XX/XX/2021, I notified BinanceUS to determine the delay for verifying all required documents and unlocking my account. I got no response. 

XX/XX/2021, I notified BinanceUS to determine the delay and got no response. 


Now, it has been 3 days and I have not received any confirmation/acknowledgements from BinanceUS that my submitted documents have gained approval towards unlocking my account to gain access back to all of my assets. 

I have over XXXX of assets sitting within my account that I have no access until BinanceUS responds and unlocks my account. Please assist!
Product: Debt collection

This is the XXXX time I have disputed and filed a complaint with the CFPB and FTC over this account PHOENIX FINANCIAL SERVICE # XXXX It is a Third-Party Collection Agency unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collected by another who allegedly purchased the debt. This account has issues all over the place. I request some type of documentation thew I can review for my own personal investigation. What is the date of the last activity on this account XXXX cant seem to find it? Where is the XXXX waiver?
Product: Credit reporting or other personal consumer reports

It has come to my attention that TransUnion and other Creditors have been violating my consumer rights by reporting Collection/Charge-Offs and other derogatory information on my consumer report such as. 

XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX Account # : XXXXXXXX XXXX XXXX ACCOUNT # : XXXX 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report are NOT included in the consumer report. Yet TransUnion is reporting this information. The reporting excludes information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 Compliance. I need the transactions reporting as Late, Collection/Charge-Offs status, and any other derogatory information deleted from my consumer report effective immediately. 

Before you reply to this complaint. I want to make this clear I am not asking you to Validate or Verify anything. So please do not waste my valuable time with stall tactics.

Some of the negative accounts have been placed in Collection/Charge-Off Status without mailing me a copy of the IRS Form 1099-C Cancellation of Debt. TransUnion and The creditors reporting Collections/Charge-Offs, Late Payments/other derogatory information in my consumer report are in violation of 26 USC 6050P Returns relating to the cancellation of indebtedness by certain entities.
Product: Credit card or prepaid card

I am a Credit Karma consumer I had been affected by the false advertisement of a credit card that was pre-approved for a 90 % chance of getting the credit card through Credit Karma and towards the end of the filing I was still denied and my valuable time had been wasted.
Product: Credit reporting

I have disputed twice with Equifax the status of a tax lien that was placed on my credit report. The tax lien was vacated and withdrawn, and removed from my XXXX report. I am requesting that they do the same. I faxed over documentation from the courthouse. When calling the about the dispute, the last XXXX representatives stated they did n't know what I was talking about and that the item had been removed. Then they further proceed to try to get me to upgrade my monitoring service. I explained to them that I do not pay {$16.00} for my services, I pay a more reduced rate. They insist that Im being charged more and proceed to transfer me to another department where they see my account is exactly as I stated with the reduced fee. I have been going back and forth with this company for the last week or so with no results and the same answer " i do not know what you are talking about ma'am '' Frustration has truly set in, all I want is for the lien to be removed from my report because its reported inaccurately and has been vacated by the court.
Product: Debt collection

I have never done business with National Credit Adjusters. I do not have a written contract with National Credit Adjusters. I reached out to National Credit Adjusters twice for proper debt validation and still have not received proper debt validation for the alleged debt that is listed on my credit report. This is my third and final attempt asking for proper debt validation from National Credit Adjusters. The next time will come with a lawsuit. If National Credit Adjusters can not produce a written contract between themselves and me showing that I acknowledged and am liable for this debt then they must remove this erroneous debt from my credit report immediately. It is NOT suffice to produce any documentation from any third party company. I am asking for documentation directly from National Credit Adjusters. National Credit Adjusters does NOT have permission to contact me by phone, e-mail, or us mail. All communication needs to come through this CFPB portal.
Product: Credit reporting

experian and XXXX is repeatally sharing and opening old case that should bee close
Product: Checking or savings account

I opened a XXXX Banking account with Axos Bank and it's been a month and a half without being able to use the account. I am lucky I didn't transfer any funds right away!! They have had technical issues every step of the way that their customer service has been unable to figure out. At first, I couldn't get access to online banking. I never got the email ( checked all spam folders, etc ) to register for online banking and every time I called they claimed I needed this email and that they were resending it, but I never got it. I learned how to register it myself without the email and then every time I signed in it would sign me back out immediately. They couldn't figure out why. When I called, they would transfer me around XXXX or XXXX times and it would eventually just hang up. I finally figured out that you can't use XXXX to access online banking (! ) and have to use XXXX. All of these issues I'm having to solve on my own! Then my new debit card was returned to them, because they formatted my mailing address wrong in their database. I called XXXX  and they couldn't do it over the phone, so they had me send a secure message online ( which at the time I still couldn't access with their technical issues ) to verify my mailing address before they could send me another one. When I finally got the new debit card a week and a half later, I am now unable to access XXXX XXXX! I was on the phone with them for an hour being transferred XXXX times before someone knew what they were doing and had to have me change all my browser settings for their website so that I could even view their XXXX XXXX tab.. I have been waiting to use this bank account for almost XXXX months because of all of their technical issues and unhelpful customer service and I'm about ready to close it and start with a different bank! I am honestly worried about even conducting my business finances with this bank, just anticipating what new issues I'm going to run into with actual funds in my account!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX To Whom It May Concern, While checking my most recent report that your company maintains under my social security number, I noticed credit inquiries that I did not authorize, made by the following companies Inquiries : XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my report that your company maintains under my social security number. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Your Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Mortgage

I sold my home in XXXX of 2022 and am owed {$5100.00} in an escrow refund from NewRez mortgage company and they have not payed me the refund despite dozens of calls and emails.
Product: Checking or savings account

Since XXXX XXXX, just when the pandemic was about to start, i have been trying to get direct expreess bank attencion, someone use my debit card use more than XXXX dlls, and direct exprees have been not listen to me, the just treat me as I do not exist, when i have talk to them, they say we will call u today, or next week, finaly promesa to review, and updated me in 10 days, is over a monthr during the pandemic i wait over 40 min over and over they always hang up on me.