23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I paid XXXX on XX/XX/year>, leaving a balance of less than {$100.00} on the card. This card is always paid on time. While I do not require the use of the card daily, I do need access to the account should the situation require it. I contacted Goldman Sachs and was advised that they have received the funds but will not allow access to the credit line. When I asked why, I was informed that I hadn't missed any payments or been delinquent in payments. 
This is beyond predatory. When there is a relationship between a consumer and a financial institution, the consumer has followed the terms of the agreement and made payments only to find that the bank will not comply with their end of the agreement. This is a situation that only benefits the institution and gives them the power to abandon the partners when it suits them. The fact that they have been paid and the funds cleared four days ago, and no allowance or consideration made to offer an explanation that this issue is not on me.
Product: Credit card or prepaid card

I have an acct with Total Visa. I paid my balance in full and have not been able to use my card or log in to my acct online and when attempting to call them it is an act of congress to speak to a supervisor or someone in proper charge to resolve acct issues. This company now has this showing negative on my credit report. 

Below are reviews from other costumers from XXXX XXXX. 

XX/XX/2018 XXXX Cardholder They are not here to help, they are here to exploit the down on your luck type of clients. 

XX/XX/2018 Less than XXXX XXXX XXXX Cardholder I got this card to help build credit, but it has done absolutely nothing for me. They charge fees right off the bat, just to activate your less-than-average credit limit. I had a fraud charge, and they require a police report, affidavit, and notarized form just to investigate - don't plan on speaking to anyone about for at least two weeks, since they're so " busy ''. I highly recommend going with other available options for bad credit, avoid these guys at all cost. 

XX/XX/2018 XXXX Cardholder On XX/XX/XXXX, I made a payment with Total Visa for {$290.00}. I checked my account on the XXXX and the funds were there. I then went out to eat a few days later and my charge was declined. Luckily, I had other funds on my. I called and was told that my payment was placed on hold. I was upset because this is the third time, I had a hold on my account. I do not understand, because my payment has never been late, missed, and I always pay in full. 


Even when you pay your bill they make it hard for you to use your card and then report negivitve on your credit. I am asking for someone to help here as this company is taking advantage of customers and making it hard for customers to manage there acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the IRS, when a debt is charged off by a creditor, it means the creditor has given up on attempting to collect the debt and has declared it as a loss for tax purposes.

When a creditor charges off a debt, they're required to file a 1099-C form with the IRS, which reports the amount of the canceled debt as income. This means that I may owe taxes on the charged-off amount, even though I didn't receive any money from the creditor.

Let me be clear, the charge off on my consumer report is/are a blatant violation of my consumer rights and will not be tolerated. I demand the immediate removal of these late payment ( s ) without any further delay!

I would like to remind you that the consumer law ( s ) cited below are not suggestions, but are in fact, legally binding regulations that you are required to follow.

15 USC 1681a 2 -Exclusions ( a ) ( i ) is a subsection of the Fair Credit Reporting Act that clearly states " Any report containing information solely as to transactions and experiences between the consumer and the person making the report.

15 USC 6802 is a section of the United States Code that outlines the obligations of financial institutions with respect to the disclosure of personal information. 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third pares. Financial institutions are required to clearly and conspicuously disclose to the consumer, in wring or in electronic form, that their personal information may be disclosed to third pares. The consumer must be given the opportunity to direct that their information not be disclosed and must be provided with an explanation of how they can exercise that option.

15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate and injurious information to my consumer report.

It is clear that the charge off on my consumer report is/are in direct violation of the laws cited above. As such, I am entitled to receive damages for this willful noncompliance. Let me be unequivocally clear, according to 15 US Code1681n, I can charge {$1000.00} for damages if you fail to remove this item immediately, as it is causing me significant harm and distress.
Product: Credit card

The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Product: Credit reporting

XXXX account # XXXX I have insurance, I paid my Deductible/co-pay at the hospital and even recieved a refund for overpaymentof the deductible. I never recieved a bill after my operation. I have no idea why this is in collections they should bill the insurance company ; So far as I know I am not responsible for this bill ; neither have they provided me a copy of the bill so that I could present it to my insurance carrier. They have no right to place this on my credit report without notification of a bill being due.
Product: Debt collection

I don't have any knowledge of this account however it has been reported to my credit report
Product: Vehicle loan or lease

Mechanical bank internet app wasnt working around XXXX they have problems with .the app said I didnt own nothing one month so didnt make the payment because didnt own anything thats month latter on like around XXXX they start calling my work and my family asking for my because they said I was late in a payment they said didnt have to do I been doing all the payments on time an my credit is good .ill pay the late payment and then they said I owned late fees for XXXX dollars extra for something their app has problems
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to XXXX and TransUnion last XX/XX/2023, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

On XX/XX/2024 Wells Fargo FROZE my account.for no reason. Case # XXXX. 
Wells Fargo has Frozen my account and deprived me (, with malice ) any access to my account.. I m XXXX, and in XXXX XXXX XXXX  on XXXX. I no longer can pay my medical bills or recieve medication or pay my rent. I no longer can use XXXX to pay my life expences. Wells Fargo Fraud Department is rude and rash with me. They are aware. 
I have moved to XXXX. 
This is a alternate Phone : XXXX Please Help ; My Bank account is : XXXX Wells Fargo : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am writing to urgently dispute the incorrect eviction records that appear on my credit report and are causing severe harm to my credit, preventing me from securing housing. The following eviction cases have been dismissed and are incorrectly listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These cases are related to a property at XXXX XXXX, where I have never lived. I was unaware of these cases until recently, and they have been dismissed. As these evictions are erroneous and not related to my actual living situation, I am requesting their immediate removal from my credit report. 

Please review the attached documentation, which includes court records that prove the dismissal of both cases. I kindly request that you remove these incorrect eviction records from my file within XXXX hours, as this matter is critically affecting my ability to secure a home. 

I would appreciate a confirmation of receipt of this letter and the removal of these items from my credit report. 

Thank you for your urgent attention to this matter. 

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

I recently reviewed my credit report and I observed that XXXX are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. This is a list of alleged late payments : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

NOTE : I have requested this same information to be provided to me by XXXX and as of todays date XXXX hasn't complied with my request.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penaltyofperjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

Dear Sir or Madame, The purpose of this communication is to file a formal complaint against Equifax. I have repeatedly asked for evidence to support their reporting, but they have failed to provide me with a copy of viable evidence submitted by the following collection agencies reporting fraudulent collection accounts in my credit files. 

1 ) XXXX XXXX - Original Creditor : XXXX XXXX XXXX Balance - {$150.00} 2 ) XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXX XXXX Balance -  {$320.00} 3 ) XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXX XXXX Balance - {$120.00} Unfortunately, after not receiving any responses from the collection agencies reporting erroneous collection accounts on my credit reports. I disputed these accounts on three separate occasions with all 3 credit bureau 's by mail ( Certified mail return receipt requested ) requesting the following : 1 ) Investigation of the fraudulent collection accounts 2 ) " Burden of Proof '' Documentation bearing my signature, verifying that these accounts belong to me 3 ) " Fraud Alert '' be placed in my credit files with my phone number asking that goods or services not be extending without first contacting me personally and verifying all application information. 

Thankfully, XXXX  and XXXX abided by the " Fair Credit Reporting Act '' by working with me in a collective manner to rectify these fraudulent collection accounts ultimately deleting them from my credit files. However, I have little to no responses from Equifax in providing me with the " burden of proof '' or status of my investigation/re-investigation results within a timely manner. Most importantly, in my third written communication to all three Bureau 's I submitted a police report, a letter requesting a Fraud alert be placed on my file and a re-investigation of the fraudulent collection accounts. 

Therefore, I will be providing all supporting documentation to support my claim and attempts to communicate effectively with Equifax and the collection agencies regarding this matter. Lastly, I am asking for you to intervene for a fair judgment based on the Violation of The Fair Debt Collection Practices Act and The Fair Credit Reporting Act ( including but not limited to Section 623. ) and have any inaccuracies removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I do not recognize this Barclay Bank Delaware inquiry that showed up on my credit report a couple of days ago
Product: Student loan

A student loan servicer named XXXX XXXX XXXX , XXXX has reported a student loan under my name to XXXX XXXX. I have no knowledge of this student loan. I did not take out a XXXX  loan XX/XX/XXXX. I have been in contact with the company they insist that the loan is mine. The loan is not listed on the national student loan database. The company explained that is was because the school didn't do there part to enter the loan in the database.
Product: Money transfer, virtual currency, or money service

This is in reference to recovering my XXXX XXXX XXXX from BinanceUS ( dba BAM Trading Services ), which is wroth around {$430000.00}!!! It's a very simple recovery process for BinanaceUS support to do, but because BinanceUS support is really really slow, there are a lot of people with the same problem as I and are very desperate right now. I found on XXXX that some people tried opening a complaint through here, so I'm here doing the same, and I hope that if you communicate with them, that they'll move on my support ticket XXXX and recoovery my XXXX XXXX. 

BinanceUS support ticket XXXX On XXXX, I transferred this XXXX XXXX from BinanceUS wallet to another XXXX  exchange XXXX, but forgot to specify MEMO field which would caused it to get deposited into XXXX 's general wallet rather my XXXX wallet. This transaction is visible on the public blockchain : https : XXXX XXXX support was very quick to help me recover it on their side. Basically, the only thing they can do securely is to simply send it back to the original blockchain wallet address, which belongs to BinanceUS. They did it on XXXX, and that transaction is also visible on the public blockchain : https : XXXX XXXX even put the original transaction ID in a memo field to prove to BinanceUS that the funds are mine. 

What this means is that my money is sitting back at BinanceUS, but in a general wallet instead of my personal wallet, now it's just up to BinanceUS to transfer my funds back into my personal wallet. It's a very simple thing to do. BinanceUS appears to have a very understaffed support team. There are a lot of complaints on XXXX and XXXX about this. 

Please contact BAM Trading Services ( BinanceUS ) on my behalf to hopefully push them to recover my funds, I'm getting desperate here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a serious issue concerning the inaccurate and incomplete information being reported by Experian, one of the major credit reporting agencies. Despite disputing the XXXX BANK account, Experian continues to report inaccurate details on my credit report, including incorrect addresses, payment history, and other payment-related information. This discrepancy between Experian 's report and the reports from XXXX and XXXX is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under FCRA Section 807-8, FCRA Section 623-B, sections 15 USC 1681e ( b ), 15 USC 1681s 2a1a, 15 USC 1681a 2ai, and defamation. Moreover, I want to emphasize that this account has been charged off/written off, resulting in its reporting to the Internal Revenue Service ( IRS ) as profit and loss. According to IRS regulations, this reporting categorizes the amount as personal income, and it is no longer considered a debt. Consequently, this account should not be reported on my credit report as it does not meet the criteria of a debt requiring reporting. It is crucial to note that all three credit bureaus, namely XXXX, Experian, and XXXX, are reporting different inaccurate and incomplete information about this account. Therefore, I kindly request your intervention in this matter and ask that the account be completely removed from my credit report. As a consumer, I am protected by the FCRA, which ensures that credit reporting agencies provide accurate and fair information about individuals ' credit histories. The inconsistencies and inaccuracies in Experian 's reporting not only undermine my creditworthiness but also hinder my access to fair credit and financial opportunities. Lenders and financial institutions rely heavily on credit reports when making lending decisions, and the inaccurate and incomplete information on my credit report has negatively impacted my creditworthiness and caused me to be denied credit opportunities that I otherwise would have qualified for. I am deeply concerned about the negative impact these inaccuracies may have on my financial future. Enclosed with this letter, please find copies of the relevant supporting documents, including the credit reports from all three credit bureaus, highlighting the discrepancies in Experian 's reporting. I kindly request that you remove this account from my credit report immediately.
Product: Student loan

This is the third such complaint I have submitted regarding the same type of issue over the past 12-18 months. 

On XX/XX/XXXX, my co-signed account was flagged by Navient as past due. The XXXX payment was mailed priority on XX/XX/XXXX and received by Navient on XX/XX/XXXX and delivered to " an individual '' per the post office. 
I called Navient on XX/XX/XXXX to talk to them about why my account was flagged since they received the payment long before the due date. The payment is sent via XXXX money orders under the same cover. The XXXX money order ( {$160.00} ) was cashed on XX/XX/XXXX per XXXX XXXX, the second money order ( {$250.00} ) which was sent in the same priority envelope and received the same time has not been cashed. 
When I called the customer service agent at Navient she told me that my account was past due and wanted me to send another payment. When I explained that they had received the payment she argued with me that if they received it, the payment would have been cashed. I asked to speak with a supervisor. 
I was connected with supervisor, XXXX XXXX, who asked that I send copies of the payments to him so he could submit for a missing payment request. I faxed the proof on XXXX @ XXXX with a receipt acknowledgment. 
On XX/XX/XXXX, the payment was still not applied to the account. When I called XXXX XXXX, the money order was still not cashed. I called Navient again. Because of an argumentative customer service rep again, I requested to speak with a supervisor. I spoke with XXXX XXXX. She states that payment was not received. I explained the situation again. She said the missing payment request had not been submitted. She had me upload the documents so she could request a missing payment search. I have done everything I have been asked. 
This issues continues to occur. For approximately 6 months at a time, Navient gets this right then there are issues again and again. I have submitted CFPB complaints about this in the past. 
I was told it would take 5-7 business days to be resolved.