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

On XX/XX/XXXX, dispute letters and id documents went out to all three credit bureaus by the financial company I hire to build my credit. I have not received any communication from XXXX XXXX, XXXX or Equifax. I called XXXX and the customer service rep said that they had not received a dispute since XXXX. I was not able to get through to Equifax or XXXX XXXX but neither has responded to the disputes that were sent on XX/XX/XXXX, by first class mail. Please look into this matter and please let me know what you find! 

Warmest Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

- XXXX XXXXXXXX XXXX XXXX account number XXXX : This account listed on my report is unfamiliar to me, as I have never had an account with this bank. 

- XXXX XXXXXXXX, account number XXXX : In an attempt to establish credit at a young age, I opened this account, but I soon realized I wasn't ready for the responsibility and attempted to close the account. 

- XXXX XXXX XXXX XXXX  account number XXXX : I deposited {$300.00} into this account, but the funds were withdrawn without any explanation from the bank. I contacted the bank for clarification but did not receive any information. 

- GM Financial, account number XXXX : I am currently in the process of paying off my car loan with GM Financial. 

- XXXX XXXX, account number XXXX : This account was opened fraudulently as my identity was stolen. I did not authorize the opening of this account. 

- XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX, account number XXXX - XXXX XXXX XXXX, account number XXXX - XXXX XXXX XXXX XXXX XXXX, account number XXXX - XXXX XXXX, account number XXXX XXXX XXXX XXXX, account number XXXX The remaining accounts listed on my report are also unfamiliar to me.
Product: Checking or savings account

It looks like I got scammed by a website called XXXX. I placed an order ligaly for a fire arm that I never received {$460.00}. Some one contacted me the next day asking if I wanted to complete my order and I did. They said they were going to ship the order in 48 hours. I thought they were going to send me more information but nothing. I contacted XXXX to get my money back, also my back golden1. And no help from both companies. Not sure if this is going to help but it seem like no one is going to do anything and this person is going to keep scamming people. The bank did nothing. As far as I know XXXX my have blocked this person. I thought fraud was a crime so why is no one going after this person and I'm left to pay a bill that my bank transfered to this person. Not fair at all. I have all the information about this person if you need more info. Thanks
Product: Debt collection

This is a FRAUDELENT XXXX charge for an unrequested security system installed in a newly purchased home ( without permission to enter the premises ) during a XXXX service call to initiate cable service in a XXXX XXXX premises. The technician gained entry when a remodeler let him in. They FORGED my signature to installation paperwork. I was not even on the premises! The home already had an active security system from XXXX so I certainly never wanted a second one! The XXXX XXXX has long since got rid of XXXX as the cable provider in the community due to many complaints by homeowners about poor service and corrupt billing practices. 

I spent several hours disputing this with XXXX and their collection agencies around XXXX and XXXX. They even tried to negotiate a reduction in the fraudulent bill for their fraudulent " service ''. This matter was finally settled once and for all with all the credit reporting agencies. Now XXXX is trying to revive this fraudulent bill once again.
Product: Bank account or service

On XXXX XXXX, 2015 we did $ XXXX in sales with our XXXX XXXX. I have a business account with Bank of America and also use there merchant services that I pay monthly for. The funds were never deposited because they stated customers may have been using fraudulent information and they needed to hold the money in case of chargebacks. They also requested that we send over invoice showing what these customers purchased. We provided them with invoices showing that customers have purchased advertising packages from us. They then stated that it was n't good enough and still need to hold funds in case of chargebacks. We have gotten chargebacks that have not been covered as promised. This also caused additional income in my account to be taken and put me in negative which they are charging overdraft fees as well. We have attempted to get in contact with our Security representative through XXXX Merchant services at Bank Of America assigned named XXXX ( XXXX ) XXXX ( XXXXXXXXXXXX ). When you call her it goes to her voicemail and sometimes she picks up and hangs up. Any time I call Bank of America they transfer me to the security department but then I 'm directed to her desk again and again. I 've left numerous voicemails with no response and now they are causing my business to suffer and not be able to operate on daily basis. Relationship with their merchant services was canceled and Bank of America is still not holding their end of the agreement to cover chargebacks based on funds on hold.
Product: Money transfer, virtual currency, or money service

Binance.us has disabled my account since XX/XX/2021 and have been silent over the email, i have tried reaching out to them on XXXX but after some days of ignoring me they also proceeded in blocking me on XXXX and XXXX from reaching out to them. While holding my money hostage. 
I have about {$35000.00} when this happened and they have left me stranded because that is my life. 

This problem started on the XX/XX/2021 after i got a " Withdrawal suspended due to risk management '' when i try to withdraw from my account. I had since contacted them via email and went over to XXXX  for them to escalate my ticket. They said *my account is currently under review by their back office* until it was disabled without explanation on XX/XX/2021. 

I do not believe BAM 's actions to be incompetence ( which would still be unacceptable ). Rather, I believe there to be criminal intent. There are too many people who have had their money taken or accounts frozen by Binance.us, with no explanation, for this to be a coincidence. 

I need this issue fixed immediately.
Product: Money transfer, virtual currency, or money service

When using Zelle in XXXX of 2019 I sent {$880.00} dollars to an incorrect number and I could not get my number back.
Product: Vehicle loan or lease

The car was repossessed in XXXX, I paid the amount that was asked for me to get possession of the car. XX/XX/2019 I was involved in an accident I hydroplaned at night on my way to work in an extreme rain storm. The car is not wrecked but the computer was damaged due to the high level of water in the ditch. I spoke to Consumer portfolio in XXXX after the incident and they had stated they would come and pick the vehicle from outside my home and sell it in auction and I would owe the difference. We both agreed on that, in XXXX the car was still outside my home and they are now refusing the agreement we had which was recorded on the phone by the company. They said in XXXX when I did speak to them that they will not reposes the vehicle it is my problem and they will do nothing until the full amount of the loan is paid off. It is now XXXX and the car is still in my possession but I can not do anything with it since the company still holds the title to the vehicle. The car has now received a ticket to be moved and I can not sell the vehicle or do anything with it. I would like them to honor the original agreement we made over the phone in XXXX that they will come and get the car and sell at auction and I will be responsible for the remainder of my loan after the auction amount is credited to my loan amount. As well as them removing the insanely amount of late payment charges they have applied to my loan amount since XXXX which my case manager told me the company did on purpose with malice intentions of charging me the insanely high amount of late charges plus my monthly payment. I have looked up this company on your website and have found many other stories like mine of this company unjustly charging customers and also refusing to pick up surrendered vehicles.
Product: Credit reporting or other personal consumer reports

The information on all three credit bureaus differ one i have asked for investigation several times none of these companies have done a thorough investigation. They have different payment historys there is missing payment information
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2021, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus, XXXX, Equifax and XXXX on XXXX/XXXX/2021 and XXXX/XXXX/2021 but nothing has been done. please help me with this matter.
Product: Student loan

Hello, I attended XXXX XXXX from XXXX. I used XXXX XXXX, which is now Navient, to fund my XXXX years of matriculation. I amassed {$90000.00} in student loan debt. After graduation, I pleaded with them to lower my payments from {$700.00} per month to {$200.00} per month. They said no. At the time I was only making {$1200.00} per month. I felt as stated before that this was predator lending at its best. Then when I reentered XXXX school the loans were deferred due to education, but somehow they became {$150000.00} dollars. When reviewing the statement it was like looking at how is the interest rate so how on one of the loans. Almost like they were/are adding interest everyday. When I asked lower the payments again after the deferment period ended they said they can only lower it to {$670.00} per month. I am attending school again and they refuse to defer it citing that is not in the agreement that I signed. However, when I asked for all promissory notes and agreements that were " signed '' to be sent to me, they refused. Saying that I should have kept a copy for myself or just look at the copies I already have. I feel like I am paying under duress to save my credit score. However, I am unable to leave a life comparable to be happy and free. I understand repayment, but a company can not bleed someone dry when there is no blood to be given. Now they want me to pay a {$1000.00} + this week, but they say call back to see if it can be lower. Yet, I can never be sure if they are going to help me. They are more harmful to my finances than helpful. Why are they so secretive with my account? Why ever month do I receive phone calls about a past due balance, but then they discover they are wrong ( especially when it is directly withdrawn from my account )? This inappropriate, fraudulent, and unprofessional. 
Loan Accounts : XXXX Signature Student XXXX Signature Student XXXX Signature Student XXXX XXXX XXXX Smart Option
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I reached out to XXXX XXXX to inquire about insurance for my car. XXXX XXXX quoted me {$1100.00} to open a policy and $ XXXX  monthly for one driver & {$1100.00} and {$740.00} for two drivers. I decided to go with the policy for one driver and was told by XXXX XXXX that zelle, XXXX, and XXXX XXXX  were the only payment methods that he could accept, even after I asked him if I can pay the company directly. The policy was instated from XX/XX/XXXXXXXX  and was cancelled on XX/XX/XXXX per the State of New York DMV. Not knowing this information, I submitted a payment of {$740.00} to XXXX XXXX XXXX though Zelle on XX/XX/XXXX. I received the first notice of no coverage on XX/XX/XXXX through the mail and informed XXXX XXXX. XXXX XXXX told me that he would take care of the issue and that he would send over a confirmation. He never did. I made another payment through Zelle on XX/XX/XXXX to XXXX XXXX. On XX/XX/XXXX, I received a letter from the DMV stating that my registration would be suspended on XX/XX/XXXX. I reached out to XXXX XXXX to further inquire, and he told me that I was now on a different policy. While the DMV website does not reflect any insurance, XXXX XXXX was adamant that I was covered and that he had put me on a new policy. The new policy that he placed me with was a policy out of New Jersey. When I told XXXX XXXX that this is unacceptable and that I needed a separate policy in the state of New York, he kept telling me my policy was a New York Policy. After speaking with multiple other insurance agents, the XXXX and XXXX XXXX agents, I confirmed that this practice was not legitimate. I requested that XXXX XXXX issue a refund due to the service solicited not being provided for the duration of which I paid, as well as monetary damages due to the penalties issued by the state DMV for lapse of insurance and potential suspension of my registration. XXXX XXXX told me that " ( I ) can call the police or get physical but that not happening '' and said he will only refund me one month after he 'cancels ' the policy in 5 to 7 business days.
Product: Debt collection

Caused a derogatory statement to go on my credit report, and me finding out through my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

My right 's have been violated in accordance with the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the updated screen there are no lates that should be reported on this account. This account needs to reflect on the times days late 30/60/90 should show ZERO LATES. It is currently reflecting Worst payment status 0 days. It has been 100 % on time payments
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : DEPTEDXXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The last letter I sent to the credit bureaus was XX/XX/XXXX and yet they have failed to respond to my written letters. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and must be delete immediately : XXXX XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXXXXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX - XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this statement is being composed by me. These inquiries and incorrect information should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these inquiries and incorrect information listed IMMEDIATELY. POLICE AND FIRE FCU/PA, POLICE AND FIRE FCU/PA, XXXX XXXX XXXX XXXX XXXX PA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with XXXXwo mortgage companies that have been unable to pull my credit report and credit score. This has been going on 2 weeks now trying to get this resolved and are still unable to pull my credit. 
I phoned Equifax on XXXX spoke with a representative who stated there was nothing on their end that was causing the problem. There are no freezes, disputes or freezes on my account. They stated that the company should be able to get the report. 
Phoned equifax again later on XXXX company attempted to run again with no luck. Again, as noted above Equifax still stated there was no reason they should not be able to pull my credit and that all information was correct. 
Phoned equifax again on XXXX. Verified my address online with them, also verified my potential lender had the same information- still unable to pull my credit report or credit score. I was on the phone with an Equifax customer service agent for 40 minutes trying to figure out why this was happening with no resolution. Still stating everything was fine. 
Phoned equifax again XXXX as the mortgage company is STILL unable to pull my credit information. XXXX and XXXX XXXX XXXX XXXX has attempted again to pull my score and get the same response : Information from your credit inquiry has been identified as potentially fraud therefore the credit report is not available for delivery. 
The above is the response they have gotten 3 times now! This is infuriating, I am going to miss out on buying my land and building my home because Equifax can't figure the problem out. It is ridiculous to go through this. XXXX and XXXX are reporting just fine. This needs to be resolved ASAP.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/2022 Amount : XXXX I previously submitted a dispute to Equifax regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the accuracies and requesting its removal from my credit report, Equifax failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law. 

To soport this claim, I have enclosed the following documents : XXXX : copies of previous credit report showing Discrepancies inacury information XXXX : Dispute letter sent to Equifax Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

l am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive deceptive practices in an attempt to collect an alleged debt. I hereby demand immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and tolerate any further harassment or misconduct, Furthermore, I exercise my rights according to USC 1692c ( c ) to request the removal of any and all information pertaining to this alleged debt deleted from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent according to 15 usc 6802 ( b ) opt out. I hereby withdraw any previous consent you may have and demand that you cease reporting this debt to any credit reporting agencies immediately. Please consider this letter as a formal notice of my intent to take legal actions if your agency continues to engage in abusive or deceptive practices, in pursuant to USC 15 1692k i will demand {$1000.00} per each violation. I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. future communication regarding this alleged debt should be directed to me in writing to the address provided above. Phone calls or any other form of communication will NOT be accepted. I expect your immediate compliance with this cease and desist notice. failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.