23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX are purposely trying to lowering my credit rating by having the same alleged debt listed twice on my consumer report furthermore I have no obligation under federal law to pay a debt collector until a judgment is issued by a court. This collection has not been filed in any court jurisdiction and the only reason the consumer agencies are reporting this information is because they are paid then they make profits from selling this information to various other third parties. This is illegal because their service is one that is not required and they need written or expressed consent which I have not given. This is a legal notice to remove this collection or I will sue under FCRA and file arbitration based on the service agreement.
Product: Money transfer, virtual currency, or money service

I opened an account with Binance.US in XX/XX/2021. I was approved with basic verification, which allowed me to transfer in virtual currency, and sell it for USD. I was not allowed to withdraw that USD until I received advanced verification, and understood that. 

I have been unable to receive the advanced verification through the Binance.US platform. The service is requested a copy of my driver 's license to show proof of identity, but the platform has no way for me to upload that data. They say it is a bug with the system that they've been working to collect. 

Meanwhile, Binance.US has XXXX USD of assets that I can not withdraw. I have been waiting and waiting for help to complete the verification process, but customer support does not answer. I've had a ticket open for over two weeks with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a validation letter to XXXX XXXX XXXX , XXXX on XX/XX/XXXX. They didn't respond until XX/XX/XXXX. They failed to validate that they are authorized to collect in Texas and other demands I have by right. They only sent a copy of a contract. I sent a letter to Equifax on XX/XX/XXXX demanding removal of account number XXXX for being in direct violation of the fair credit reporting act twice. 15 days have passed and I still have not been updated on the status of this removal. I would like this to be removed immediately. 

I authorize CFPB to investigate this matter on my behalf for account number XXXX attached to my social ending in XXXX.
Product: Credit reporting or other personal consumer reports

My new balance with XXXX student loans is {$4400.00}. All other student loan debt was forgiven via the XXXX student loan, I have called Transunion and XXXX to have this corrrected and its stil on my report. I even provided the XXXX account statment, its attached again.
Product: Vehicle loan or lease

In XX/XX/2019, I was able to reach a settlement with Capital One Finance after my account charged off. I was given the option to break up the amount of settlement up in 6 payments. I've made 4 of those payments. In XXXX, my mom passed and I called Cap One to see if I could hold off on making the payment until XXXX. I was immediately told no we can't do that.. figure out a way to pay. So I decided to sell the vehicle. I called for a payoff of the settlement on XX/XX/XXXX. The rep stated that she could not send anything and to call back the next day. I called back with the dealer for a payoff letter only to be told that they can't guarantee the amount because a payment was supposed to be made the day before, something the rep never said. I called back later and spoke with another rep who also said that there was nothing he could do so I requested that my call be escalated. That rep only faxed a payment history but it did not have a running balance nor the remaining amount. I found an option to get Cap One paid and have got nothing but the run around. I realize that the account charged off and I am responsible for the outcome but if we come to an agreement about the amount and they refuse to at least assist in getting them the money that was agreed upon, why make the process so hard. I find it very perplexing that now since I am trying to sell the vehicle to get them the money they won't assist in getting me the documents to do just that.
Product: Mortgage

I have my mortgage through Truist Bank. Again, this year, they are trying to take escrow out for my flood insurance, just like last year, when my flood insurance is paid for by my HOA. This was discuss last year and the same thing the bank is trying to do is to increase my escrow for the flood insurance - even though I have provided to the bank the paid policy that is in effect from XXXX of XXXX through XXXX of XXXX. They do not want to even look at my account - that in the past years, they have never taken out for escrow with my flood insurance since it is through my HOA. 
I believe that this borders on harassment since every year I have to go through the same argument with them. The departments at Truist Bank show be reprimanded for continual avoidance of the facts that I have presented above.
Product: Credit card or prepaid card

XXXX XXXX know as XXXX  comenity capital bank opened a new card on my account with a family member name, who never applied for it. who i never authorized to be on account. 
I called so many times to resolve the issue, i been told lies after lies, with a no minimum effort to help me.
Product: Student loan

My student loan is being managed by NelNet lender. My student loan was in the amount of XXXX total. My graduation date was on XX/XX/XXXX and I do not have to pay my student loans until XX/XX/XXXX as a grace period they provided. I am having trouble contact the loan company as they have me on hold for over XXXX hour on the line which i am unable to speak with them during normal business hours. 

As of XX/XX/XXXX they have been charging me interest on my payments that i have been submitting. They do not give me an option online to make " principal payments '' online which is frustrating. I have made thousands of dollar payments and interest is getting charged for no apparent reason. Can someone assist on matter? 

thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX, at XXXX Central Time, I tried to login to alliantcreditunion.org The website kept timing out repeatedly, failing to get access to my account. After about 20 minutes I manage to access my account. I proceed to make an online transfer ( withdrawal ). Once I hit " Submit '', the website once again times out with " Error 504, Gateway time out ''. I check my balance and the withdrawal amount was not deducted. I check my email and there is no alert for a scheduled transfer. Consequently, I proceed to make another transfer, thinking the 1st one was not made. The 2nd transfer also timed out after clicking " Submit ''. Soon after, I get an email saying both transfers have been scheduled. However, there was only enough funds balance for 1 transfer. I called their customer service and the agent could not help me because he could also not access the system. The website was inoperable between 30 and 60 minutes on a Thursday morning, leading to misleading error messages that created a sense of anxiety about the security of my funds and the overall Alliant online system. It should be investigated how a financial institution does not IMMEDIATELY debit the balance of a customer 's account when a withdrawal is submitted AND ACCEPTED by that system.
Product: Credit reporting or other personal consumer reports

I have reached out to the following accounts below for several times and talked to them about the issues with my account as reported by the TRANSUNION. They have advised me that they will remove ALL the late payments and will correct the credit report accordingly and accurately, however, as I reviewed my recent report the accounts are still reporting inaccurately. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly and they have been ignoring my letters. Also, the comments do not conform to the payment history that is being shown in my report. I have also attached in this complaint the response from the company to remove the late payments.
Product: Credit card or prepaid card

I requested my JCPenney card statements from the last two years several times, this was done for legal purposes. I was told that I will receive them in 14 days. I never received my statements and I requested them again. I spoke to a manager from synchrony bank on a recorded line who stated that I would receive them but I still have not received any of them. I requested the same for the third time asking the company for an expedited delivery because I need them ASAP for legal purposes and they want me to wait 19 more days. That is imposible and it will affect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

what XXXX XXXX is saying payment i missed was from XX/XX/XXXX not from XXXX like they have listed which im saying is inaccurate late payments should be listed in XXXX not XXXX when i actually found out about it and made current
Product: Bank account or service

Because of the way the bank is now listing things online, I can not tell whether it a debit or credit.This is not helpful accounting practices. This is a easy way to confuse people. Due to an head injury, this makes things more confusing. Online baking has always been in an accounting layout, the new layout is for apps, for smart phones. This is not fair, or right. I have multiple accounts.
Product: Credit reporting or other personal consumer reports

XX/XX/ is the first time that I noticed an additional social security number on my Experian credit report. I have sent letters, made several calls, to different phone numbers, to no avail?
Product: Credit reporting or other personal consumer reports

I am writing to contest and seek the correction of inaccurate information on my credit report. Upon reviewing it, I have identified the account reporting late payment inaccurately. Upon contacting the respective companies, they confirmed errors and agreed to update my account, removing the late payments. 

The account in question is : XXXX XXXX 

The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy this account from their records due to an identified error. I am perplexed as to how you have verified this account while the other bureaus have updated it. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable.
Product: Debt collection

On XXXX XXXX  I was sent a debt validation letter. They did not answer many of my questions that I plan on sending another letter to try to obtain those answers. Like " a copy od their license to collect in my state '' They also put at the top of the page " Hareis Loftus, attorneys and counselors at Law ''. In the letter they refer to me at " ... XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX They also sign it " XXXX XXXXXXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Counsel for Plantiff '' then they say at the bottom of the letter in small print " this is a communication from a debt collector ''
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below, as I am a victim of a data breach. In accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these items be removed from my credit report to prevent any fraudulent activity arising from this data breach. 
Accounts to be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3600.00} XXXX - XXXX XXXX XX/XX/XXXX - {$9500.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$690.00} XXXX XXXX  - XXXX - XX/XX/XXXX XXXX {$16000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3600.00} XXXX  - XXXX - XX/XX/XXXX - {$690.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} Inquiries to be Blocked and Deleted : XXXX XXXX  XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX and Experian for their failure to address my disputes regarding the inaccurate reporting of timeshare accounts on my consumer credit reports. 

Per my divorce decree, the timeshares listed on my credit reports are to be the sole property of my ex-husband. Specifically, under the section titled ** '' Additional Clauses '' **, the decree states : * '' In regards to timeshares purchased during the marriage, ALL timeshares will become the sole property ex-husband. Wife will be held harmless of any matters regarding these properties. " * Despite multiple disputes submitted to XXXX and Experian, these timeshares remain inaccurately reported on my credit reports. This misreporting is causing significant harm to my consumer profile and is severely limiting my ability to secure credit and financing opportunities. 
XXXXXXXX XXXX XXXX XXXXXXXX I have attached the following supporting documentation to this complaint for your review : 1. A copy of my divorce decree.

2. A copy of my ID.

3. Proof of address.

4. A copy of the disputed account reporting to XXXX and Experian. 

I respectfully request the CFPB 's assistance in ensuring that these timeshare accounts are promptly removed from my consumer credit reports as they no longer pertain to me under the terms of my divorce decree. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was part of the Equifax hack, and I am livid. I hope I receive some sort of monetary compensation for the risk this awful company so carelessly put me in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a HELOC with XXXX XXXX XXXX, XXXX  that was paid off when I sold my property on XX/XX/2021. Received notification that my account was closed by XXXX XXXX dated XX/XX/2021. I received a notice my mortgage was satisfied and lien released on XX/XX/2021. 
As of XX/XX/2021 my credit report still is reporting a balance on this account. I have called XXXX XXXX three times and each time they tell me that they are reporting correctly. However on my last call to them they confirmed that I paid my account off on XX/XX/2021 but they last reported on XX/XX/2021 and it could take up to 45 days for credit companies to get update. I have filed two disputes with the credit bureaus ( XXXX and TransUnion ) both times they will not update the information because XXXX is stating they are reporting correctly. I believe if I was past due on my payments, they would have been reported by now. This is adversely affecting my current ability to get a better rate on a new mortgage, as well as hindering my current mortgage process. I don't think that they are reporting positive items in a timely matter and this needs to be addressed. This is beyond frustrating.
Product: Debt collection

XXXX XXXX XXXX RESURGENT CAPITAL SERVICES L.P. account no.XXXX are wrongfully appearing on my XXXX and XXXX credit bureau XXXX XXXX XXXX the debt buyer for XXXX, ALSO ACCT NO.XXXX.THE ACCOUNTS HAVE BEEN RE-AGED.The correct date of first delinquency is XX/XX/XXXX DAYS LATE.The account was never brought current and was closed by the creditor on XX/XX/2012 when it was 90 days late. 
I have attached both the original creditors reporting to XXXX that have been verified many times along with XXXX XXXX.it is easily seen that the information, though verified as correct reports wildly different between the bureaus and is incomplete on key payment history dates. 
IN two months from today, if accurately reported both the original creditor and XXXX XXXX would age off the report. 
Please note what appears to be intentionally fraudulent reporting by the collection agency and original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, 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 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 than 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My Experian Dispute Results, dated XXXX, demonstrate four Credit Items that need to be remonstrated with in order to raise my FICO Score from XXXX ( the current score ) to a XXXX ( ideal ). These Credit Items are : 1 ) XXXX XXXX XXXXXXXX : Partial Acct. # XXXX : On XX/XX/XXXX I requested a scheduled adjustment ( # XXXX ) to have this item REMOVED since the said lender has not been my morgator since XX/XX/XXXX ; 2 ) XXXX XXXX XXXX : Partial Acct. XXXX : I plan on paying this in full ASAP ( {$170.00} ) ; 3 ) XXXX : Account # XXXX ; I have asked the Department of Education to be absolved from this obligation as most of it originated from the University XXXX XXXX ; 4 ) XXXX - XXXX XXXX # XXXX ; I would like this record expunged from my account as the REPOSSESSION took place back in XX/XX/XXXX - five years ago ; 5 ) XXXX XXXX XXXX ( # XXXX ) ; This account has been current XX/XX/XXXX and I would like the positive score to help raise my FICO score ;
Product: Mortgage

I paid off my mortgage in full. Then Loancare, A XXXX Company auto drafted me by another payment. They gave me a hard time about wiring money me my money. I am a XXXX who is forward XXXX to XXXX without his family. There was no way for them to quickly mail me my money. They resisted sending me my money and had me on hold for an hour. I eventually had to give them my bank records to show that they are wiring me my money, and they agreed that within 48 hours they will send me my money. They have n't sent me my money ; it 's XXXX ; and the took food and presents from my kids who I do n't get to see. Can you help me?
Product: Credit card or prepaid card

I received a call from this local number : XXXX informing me that someone is trying to use my Amazon credit card for a {$900.00} purchase and to press 1 if I did not authorize this. 
I pressed! & was redirected to an operator who had me download this app called " XXXX XXXX ''. They had me read back a 9 digit number to them because they wanted access to my Amazon app on my phone. I hung up when they asked me to hit " Accept ''. I decided to call Amazon customer service myself & they confirm to me that the call was not from them!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting incorrect information on my account regarding an account I held with XXXX XXXX XXXX over 20 years ago instead of personally verifying this information they are taking information from XXXX XXXX XXXX verbatim which is totally incorrect I talked to a XXXX representative yesterday Wednesday XX/XX/XXXX and they told me the account was closed on XX/XX/XXXX the drop off date per Transunion and XXXX XXXX was to be XXXX XXXX. XXXX XXXX  has just bumped it up to XXXX this debt is 20 years old! why don't you verify this information with the original creditor before you repeat false information that has affected my life for 20 years. this account has prohibited me from purchasing a home, a car, or credit. Someone should be liable for false information made public that affects a person 's entire life
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I received money thru cash app from someone I know I sent the money to my XXXX XXXX checking account. The next morning in my XXXX account it said reversed. I confirmed with XXXX XXXX that it was reversed. The next day it shows that the money did post to my account but in between all that XXXX XXXX told me to dispute the money. They didnt tell me that dispute means theyd deduct the money from this person account. I figured they would research why it said reversed if it wasnt. So when I told them to close the dispute theyd already reached out to cashapp who then deducted {$300.00} back out of this person account. Long story short I cancelled the dispute XXXX deducted the {$300.00} out of my account and have sent this info to cashapp who say they never received notification that the dispute was cancelled. Ive called 1000 times Ive chat with them online which is useless Ive spoken with XXXX numerous times snd they sent a letter confirming the dispute was closed. Ive sent this letter to cash app 3 times and still nothing.