23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Dear Agency On XX/XX/XXXX, I tried to get into my Binance account ( cryptocurrency platform that is FDIC insured, but I was unsuccessful. I tried to submit ( forgot password ), but I never received an email from Binance at XXXX. I thought that was strange because I have been with Binance since XXXX of XXXX and always get my emails. I had my husband look into the email and see why I wasn't getting any of them. My husband told me the email is frozen. We tried to reset the password, etc. we weren't able to. My son went on the live chat with XXXX, and the guy on the other end told my son, we have been hacked, and XXXX can't retrieve the email that we have had for 24 years. There was a breach with all the emails at XXXX. 

Basically, I am locked out of my Binance account because it requires the email and the password to get into the account, and since I no longer have access to my email at the XXXX, I am locked out. Now, I tried to contact Binance as soon as I found out that we have been hacked so they can fix this problem. I contacted Binance on XX/XX/XXXX at around XXXX XXXX Eastern time, maybe earlier ; I can't remember. I received a generic email around XXXX XXXX Eastern time on XX/XX/XXXX letting me that I am in the cue, and they will get to it when they can. My reference number to the email I sent Binance is # XXXX. I have sent them 2 other emails since the XXXX. Once on Saturday the XXXX reference number XXXX, and another one on Saturday attaching the latest email to the previous one I sent them. 

The reason for this complaint is if this were to happen in a regular brick and mortar banking institute, I would have gotten immediate attention to this fraudulent activity that is happening to my account. As of right now, I still don't know if the hackers were able to get into my Binance Account because A. No one from Binance has contacted me.

B. I can't call anyone either.

C. They don't have a fraudulent department that looks into this right away.

D. I have a large amount of money in my account. 

Silence from Binance is not acceptable. 
Waiting in a cue of first come first serve is not acceptable. 
Not being able to contact anyone is not acceptable. 

As an agency that protects consumers and this cryptocurrency space is fairly new, please consider placing guidelines for consumers like me who are now victims of fraud and I am waiting on pins and needles to find out what happened to my account. 

I am asking for your support in this matter. If this were your account, how would you handle this? What would you do? Where would you go? 

I am waiting anxiously for your response and assistance. Thank you XXXX XXXX My new email where you can contact me is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXXXXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Public Record - U.S. Bankruptcy Court
Product: Credit reporting or other personal consumer reports

Kovo Inc. engaged in unlawful and deceptive financial practices that resulted in significant credit damage. Kovo : 1. Misrepresented itself as a credit-building service while failing to extend any actual credit ( TILA 1605, UCC 3-104 ).

2. Failed to disclose the risk of negative reporting, misleading consumers ( TILA 1666, FDCPA 1692e, CFPA 5536 ( a ) ).

3. Settled an account unilaterally without notice or consent, violating disclosure laws ( TILA 1666, FDCPA 1692f ).

4. Reported a " sales contract '' with no financial transaction, violating FCRA 1681s-2 ( a ).

5. Altered credit reporting post-dispute ( removing balances but keeping negative marks ), proving its own reporting was inaccurate.

Financial Harm : Due to a thin credit profile, Kovos false reporting had an outsized negative impact on my financial standing. 

Credit loss, increased loan rejections, and inability to access financing. 

Kovos unauthorized reporting and inability to substantiate financial consideration constitute a significant breach of consumer protection regulations. Their actions violate multiple federal consumer protection laws, necessitating CFPB enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX - Account # XXXX XXXX - Account # XXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX - Account # XXXX XXXX - XXXX XXXX- Account # XXXX XXXX  - Account # XXXX XXXX XXXX  - Account # XXXX XXXX XXXX  - Account # XXXX Dept of ED/ XXXX XXXX  - Account # XXXX Dept of ED/ XXXX XXXX  - Account # XXXX Dept of ED/ XXXX Advantage - Account # XXXX Dept of ED/ XXXX XXXX  - Account # XXXX Dept of ED/ XXXX XXXX  - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX - Account # XXXX XXXX  XXXX- Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX - Account # XXXX HAS ALL VIOLATED MY RIGHTS ! 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other that records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This account was charged off on following date : XXXX XXXX Since date of last avtivity has been inconsinstanly updated the last active XX/XX/XXXX on XXXX, XXXX and Experian, We can not say this account is 100 % accurate, it is demand inaccurate, and please delate this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX XXXX I was looking to purchase a new vehicle ( XXXX XXXX Coupe XXXX ) from XXXX  XXXX Auto and I decided to finance the vehicle. It was n't even XXXX hours and I noticed the navigation of the vehicle was n't working and the right front bumper of the vehicle was already falling apart. So, I decided to return the vehicle the very next day because of this Issue And as of today XXXX/XXXX/XXXX I 'm still seeing XXXX XXXX XXXX on my Credit Report from Both XXXX and XXXX. I 'm seeing XXXX XXXX XXXX on my Credit Report and the Finance Companies that XXXX XXXX XXXX  applied for me. Exeter Financial and XXXX XXXX which are both Hard inquiries on my Credit Report. I did n't have the vehicle for more then XXXX hours and It 's still on my credit report today XXXX/XXXX/XXXX. I hope this issue gets fixed. 


If you have any questions please do not hestiate to call me ( XXXX ) XXXX
Product: Student loan

I was sent a billing statement from Aidvantage my student loan servicer. Statement date was on XX/XX/XXXX. Payment amount is {$840.00}. My account # is XXXX. After I received this bill, I was directed to apply for the SAVE program which could lower this amount. It did lower the amount. It doubled my amount! I can not pay DOUBLE THE AMOUNT OF WHAT WAS FIRST QUOTED TO ME. I can only afford to pay the {$840.00} per month as I am on a fixed income. 

I have contact Aidvantage and they told me they can not reverse this back to my original bill? How is this possible? When the Care Act came into play on XXXX of XXXX my payment at this time was {$780.00}. I am currently under a income driven payment plan and my income has not increased since XXXX of XXXX.
Product: Student loan

I had a statement generated XXXX XXXX with a due date in XXXX. I paid on XX/XX/XXXX before the bill was due. After the bill was due I received a new statement saying the due date was missed and I now have a past due amount. The statement even shows my payment was made in time. I called mohela and the said the payment went straight to the interest because I paid too early. I pointed out that I paid on time not early. They said the would correct it in 5 to 7 days. I was told at that time not to pay until it was fixed. A week went by and it still showed past due still. I called again and the agent said my payment should have happened because of forbearance and it takes 30 days for XXXX to fix the account. I asked them about my next payment and they said to go ahead and pay. However I mentioned how the manager before said not you pay yet. I was then put on hold to while they confirmed what to do and then they hung up on me while I was on hold. On top of that I keep getting messages about being past due. And my previous email inquiry was ignore and met with a past due noticed, I responded to that message and got a generic repayment help email from them. 30 days to process is insane, and the customer service sucks.
Product: Credit reporting

I have never gone by XXXX XXXX. I am thinking it is some kind of identity theft. Please let me know what I need to do to get this name off of my credit reports. Thank you.
Product: Credit card or prepaid card

I have a Victoria Secret Credit Card that I canceled on X/XX/17, I spoke to someone from their company from the number they listed on the Credit Card application and they confirmed with me that everything was paid and my card was canceled. Then a week later on X/XX/17 I get a statement through email saying I owe {$1.00} Fee. Confused I call back on X/XX/17 asking what the fee is for, they say for every purchase there is a {$1.00} fee as stated in the policy. However, I did not make any recent purchases in the past month/two so I asked where it came from, the lady told me that is was a fee that was charged a while back when I purchased something and has not shown up on the statement until now. I stated what their policy says, that I must pay all the remaining balance on the credit card before canceling ... which I did. So there is no reason or me to pay the fee. The lady answer with " Good point that is correct however you would still need to pay the fee because it was already on your balance '' ... I asked to speak to someone else in charge of the account.. she put me on hold and I was disconnected. My next actions were to report it to CFPB, I would hate to see other Victoria Secret Credit Card holder go through the same thing, or if they have would like to see CFPB step in to correct this financial mistake from the company.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my own experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inactions violates Federal Law and my rights as a consumer. Problem accounts are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The SSI deposited money by error in my Chase bank account. Chase took the money and adding it to my pending balance. ( My account was closed previously for fraud and they didnt solve the case so they added it to my account balance )
Product: Student loan

Did not attend classes at all for that institution for XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ). Not sure why I am getting charged for classes I never took. I did attend XXXX  and got a XXXX  back in 2007 XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) but this accounts I did not attend at all. I did sign up but never attend due an unexpected hardship at the time therefore never attended classes.
Product: Debt collection

XXXX reported I had not paid an equipment return fee and the last payment. XXXX tried to collect it. I called them twice and on XX/XX/XXXX I sent them the receipt from the return and bank statement with last payment. Now they have sold it to Franklin Collection Services and they sent me a letter saying are trying to collect the same debt for the exact same amount. I just disputed the last bill also with them under the same circumstances. Apparently XXXX broke the return receipt and the last bill into seperate accounts and now the collection agencies think they are both delinquent. I have bank statements for the exact amount and the original receipts from the equipment return and I have sent these and faxed these and they are ignoring me.
Product: Mortgage

Prior to Covid, we had not missed a payment for years. Due to our line of work, once covid hit, our income was reduced to {$0.00} so I had to find another job while my XXXX XXXX XXXX was on hold. We contacted our servicer and asked for mortgage assistance in the form of a loan modification once it " appeared '' that the pandemic was over and we were once again receiving income from our XXXX XXXX XXXX. At the time of submission of the loan modification package, we had W2 income as well as our real estate income. Rates were at an ALL TIME low and based on the income that was provided, we would have easily qualified for a loan modification. However, our servicer, after repeated verbal and written requests by us, still would not use the full income that was provided. They only used the W2 income, not the real estate income. We had been in real estate for over a decade, the W2 income was for barely a year as we only went W2 because of the pandemic and its effect on our real estate income. 

They finally offered us a deferral of all past missed payments, including tax and insurance but refused to recalculate us for a loan modification so we submitted a complaint to CFPB and after XXXX  months of us pretty much begging them to use the correct income that was provided, they finally did. Rates at this time were on the rise and we were told that we still did not qualify for any type of a loan modification but stated they would still defer all missed payments on the back end of the loan. The letter was dated XX/XX/2022, with XXXX payment due and in just a few days, a XXXX payment would be due for a total of {$5700.00}. 

We requested that the bank please defer and make XXXX the XXXX payment as we are doing everything we can to keep our home, they refused. This servicer has done nothing but torment, harass and discriminate against us ever since we asked for their help. To send a letter on the XXXX, payment due, with another payment being due just a few days later, shows the lack of common sense that we have been dealing with. Servicers are supposed to do all they can to help American 's retain their home after the pandemic and this servicer has done the exact opposite.
Product: Credit reporting or other personal consumer reports

hello my name is XXXX and i've notice this problem on my Credit report in XX/XX/year>. I am writing to delete the following items in my file. The items i need to be deleted are listed in the report. I was hoping you can delete the item thats listed below. I need to get my house loan as soon as possible. I am a victim of identity theft and i did not make the charge. I ask that the item be deleted to correct my credit report. I reported my theft to the Federal Trade Commission and i also have copies of the federal trade commission 's identity theft affidavit. please delete the items as soon as possible from all three credit bureaus, XXXX, XXXX and Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want theses account deleted : XXXXXXXX XXXX acct # XXXXXXXX XXXX XXXX Acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX  Acct # XXXX XXXX, XXXX and Experian was requested to complete an investigation and ensure accuracy of my consumer report. The following accounts per the 3 credit reporting agencies came back verified as accurate. As of XX/XX/XXXX I checked my consumer report and found over 47 inaccuracies concerning these accounts. If all 3 CRAs did an investigation by contacting the same creditor why is it I have 41 inconsistences on my consumer report? I want these items deleted. I am supposed to be protected my the consumer laws : 15 USC1681i ( 5 ) A ) ( i ), FCRA 607b-accuracy of report, 15 USC 1681s-2 ( 8 ) ( E ) ( D ) ( iv ). Please see my consumer report and view all of the inaccurate information that is listed. For XXXX bank XXXX is reporting a 30 day late payment for XX/XX/XXXX and XXXX and Experian are reporting a 30 day late payment XX/XX/XXXX. XXXX is a closed account however XXXX is reporting an account status as open and XXXX and Experian is reporting it closed. XXXX XXXX is a closed account however XXXX is reporting an account status as open and XXXX and Experian is reporting it closed. XXXX XXXX XXXX and Experian is reporting a high balance of {$1800.00} and XXXX is reporting nothing, Balanced owed XXXX and XXXX is reporting {$1300.00} and Experian is reporting {$1400.00}. 

I want these items deleted from my consumer report immediately.
Product: Credit reporting

i obtained a copy of my credit report # XXXX from Experian. It shows XXXX hard credit inquiries ; XXXX of them I never requested or have any knowledge of the companies. Some of listed XXXX times for the same day, i.e. XXXX XXXX, XXXX XXXX, XXXX, XXXX 's, then another inquiry from them XXXX XXXX, XXXX. I did not apply to XXXX for credit. XXXX XXXX XXXX 's on XXXX XXXX, XXXX for XXXX XXXX XXXX. then for XXXX XXXX XXXX. I did apply with either XXXX of these companies. XXXX Bank inquiries on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, again. I did apply to or through a company associated with XXXX Bank. XXXX XXXX I have no idea who this co. is but I have no association with them. XXXX XXXX Bills on XXXX/XXXX/XXXX, never applied to them. Experian XXXX 's on XXXX/XXXX/XXXX, then again on XXXX/XXXX/XXXX. Why are they showing up XXXX times as a hard inquiry on my credit report, from them? This information is inaccurate, at best. Note : I previously had accounts with XXXX and XXXX but they were legally discharged under a XXXX bankruptcy shown on the credit report. I have not had any accounts with them since then and there is no legitimate reason to show active credit inquiries from them.
Product: Credit card or prepaid card

Dear Sir/Madam, In summary, I have disputed a charge on my credit card, placed by a vendor in Italy ( XXXX XXXX XXXX ) which charge me XXXX EURO. I disputed the charge with Capital One immediately, but the dispute was denied due to forged documentation the merchant had submitted. He submitted the following : - A credit card authorization for my Capital One credit card that I had never seen or signed, but the merchant forged my signature on the credit card authorization - a forged and completely made up invoice for services and charges that was never ordered, delivered or received - added my XXXX XXXX credit card number to a document that I had signed previously for the return of rental cars, however that credit card was added AFTER I had signed the document. He claimed that the security deposit was charged this credit card, even though there is no record of that and in addition, the merchant previously claimed that he does not at all accept XXXX XXXX ( all documented in the email thread with the merchant ) Furthermore, the merchant also claimed that I had personally visited his agency in XXXX, which I never did since all bookings with the company went via XXXX XXXX XXXX XXXX in XXXX, via email Any charged I had with XXXX XXXX XXXX in XXXX and or XXXX XXXX XXXX XXXX in XXXX were paid in full per below : Total Rental Charge : XXXX EURO ( see enclosed contract ) Paid : XXXX EURO with XXXX XXXX ( statement attached ) Paid : XXXX EURO with Visa Card ( XXXX XXXX XXXX statement attached ) At the time of the actual services in this case a luxury car rental for 2 cars, a XXXX EURO deposit was placed on my credit card, to be fully refunded upon return of the cars. Both cars were returned in perfect condition and the refund was due : Deposit 1 : XXXX EURO placed on XXXX XXXX - this was actually refunded Deposit 2 : XXXX EURO placed on Capital One credit card. This was never refunded, but rather charged in full with the forged documents provided by the merchant to the credit card company.

This is fraud by every legal definition. However, Capital One has not considered all the detailed documentation I had submitted, from credit card statements, rental contract with XXXX XXXX XXXX XXXX, entire email threads with these companies and even XXXX XXXX with the merchant XXXX XXXX directly.

Capital One has left me to fight this out with a clearly criminal merchant, rather than resolving the dispute on my behalf as their customer.

In addition, I had almost weekly call with Capital One 's Dispute Call Center, yet every time I spoke to a different agent and every time the instruction was different, anywhere from having to submit more information to do nothing and wait since the dipute is coming my way anyway.

I greatly appreciate your help and assistance in this matter.

Best regards and thank you, XXXX XXXX