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

My issue is with Binance.US. This company has issues with ACH transfers. I tried completing several ACH transfers but they were immediately being marked failed with no money added to my wallet. It appears they have disabled my account with no notifications letting me know why or whats going on. It appears they are sending failed transfers through and not marking the correct purchases successful. I have screenshots showing all of my purchases made as well as bank statements showing how much has come out of my account. I have now given/ had money removed from my accounts amounting to over {$800.00} but I have only purchased {$790.00} of the XXXX i hold. I can not get a reply from Binance US and this appears to be happening to a lot of other users. I just want credited for everything I have given, and to be acknowledged with this issue. This is a broker and I have lost a lot of potential gains as a result of their inefficiencies. I need real help. 
ticket # XXXX this is just one of many tickets I have submitted. I have waited 2 weeks between tickets with no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$420.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have filed a dispute to have negative items removed that are wrong. I have documents that prove that the results and response of the company just bounce around the fact they have not done a thorough investigation. The basic results were stated, " They are right and you are wrong ''. There was no specific explanation of the investigation. On  XXXX   XXXX ,  2017  the dispute was initiated and on  XXXX   XXXX ,  2017  the investigation was completed with very little to say and no documented proof was provided. The incorrect account that has been reported has caused daily  XXXX  as it has caused me and my husband to apply for multiple loans while being turned down. This made it hard to get a reliable vehicle for work and transport our children. In addition, it will hinder us from being able to buy a home. Lastly, the accounts in question have already been removed from my husbands account and the accounts are joint accounts.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Debt collection

Ability Recovery Services is trying to collect a debt from XXXX XXXX schools to which I do not owe. I previously sent a complaint in from XXXX XXXX and they indicated they had the wrong person and deleted the marks off my credit. However with Ability Recovery Services, I have gone around with them on the phone and the last person I spoke to named " XXXX '' said they are right across the street from XXXX XXXX, and if I would pay the reduced amount of XXXX that they would remove it from my credit. I told her as I told other representatives at the company, I only went to XXXX XXXX one time in 2007 and now all of a sudden i have two different collection agencies saying I owe XXXX XXXX!!! This school is a fraud, and they claim someone signs up for classes and then tries to charge people for an entire amount of their program. If anyone has collection agencies from XXXX XXXX submit a complaint on here!!
Product: Credit card or prepaid card

On or around XX/XX/2022 I mailed a billing error notice to Capital One Services billing dispute department addressed on the back of my billing statement as required, I also mailed a copy to their corporate office and registered agent ( XXXX XXXX XXXX ) in regards to my XXXX credit card accounts/billing statements that I had reason to believe was in error. I requested in accordance with 15 U.S.C 1666 ( b ) ( 2 ) documentary evidence which includes books of account in accordance with 15 U.S.C 44, Capital One must provide to clarify this dispute. The creditor ( capital one ) on XX/XX/2022 took adverse action against me by restricting and closing all three of my credit card accounts ( I only disputed XXXX ) for exercising in good faith my right to inquire and or dispute a billing error to resolve the issue on my account.This is wrong, not fair and humiliating. I had recurring payments set up using my credit card accounts that were denied payment because capital one closed my accounts before sending me a notice so I could properly update payment for these services. Pursuant to 12 CFR 1026.13 ( d ) ( 1 ) ( 2 ) ( 3 ) the consumer has the right not to pay and the creditor may not try to collect, the creditor shall not accelerate, restrict or close the consumer 's account. Capital One has now forfeited any right to collect any amount due to noncompliance pursuant to 15 U.S.Code 1666 ( e ). The creditor ( capital one ) is civilly liable for actual damages to the consumer and criminally liable for knowingly and willfully noncompliance of failure to present required documentary evidence as requested to clarify and resolve the previously addressed billing error pursuant to 15 U.S.Code 1693m and 1693n.
Product: Debt collection

I received a notice from ACI, American Coradius International LLC, regarding a debt that I do not owe. The bill from this company is not even in my name. Someone named " XXXX XXXX. '' My name is XXXX XXXX XXXX. 

I sent a request to this company for proof that this is my debt, who the original debt owner was, the account number, amount, date of last payment, when the account was opened, closed, and sent to collections. I received no response from ACI. 

I want this company to stop contacting me about a debt that is not mine. They are required to provide proof this is my debt, they did not follow the law and do this.
Product: Credit card

Throughout the duration of this account, I've consistently made sure payments are made promptly, ensuring they never fall behind schedule. The reasons for the appearance of late payment remarks on my accounts are unclear to me. Referring to 15 USC 1666b - Billing Error, corrections should be made to rectify any discrepancies.
Product: Credit reporting or other personal consumer reports

I have contacted Trans union about receiving my credit report, and sent them documents they require for validation, both times I was asked to submit more documents, on top of the documents they ask for which is only XXXX pieces, which is an ID and a utilities bill, that both have my current adress on them, I am trying to fix my credit and they are refusing to provide me with my report which required by them to provide after validation, so I would very much like to receive my credit report from Trans union ASAP thank you If the credit beauros can put adresses on your report and inaccurate names info ect. 
Then why is it so difficult to receive your report after you send proper documents
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$13000.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$8300.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.
Product: Vehicle loan or lease

Dear AXOS BANK Pursuant to 15 USC 1681A ( K ) your company AXOAS BANK have taking adverse action against me On XX/XX/XXXXClearly where federal law states it is a violation of my consumer rights, its clearly states 15 USC 1681 B ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit. it doesnt mentions a denial of credit it only mentions being denied for insurance or employment 15 USC 1681 A ( K ) ( i ) ( ii ). Your company used my credit card ( AKA SSN ) 16 CFR 433.1 ( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services. In a consumer credit transaction 12 CFR 1002.2 ( h ) Consumer credit means credit extended to a natural person primarily for personal, family, or household purposes. I did not received & benefit in this transaction which is identity theft Pursuant to CFR 1026.12 ( B ) ( 1 ) ( i ). Your Company AXOAS BANK said in there letter that the reporting agency played a part in your decision. AXOAS BANK denied me credit and then False and Misleading me the Consumer by saying your company AXOAS BANK decision was based in a whole or in part on information that came from the consumer reporting agency which is XXXX. Pursuant to ECOA ( Equal Credit Opportunity Act ) Regulation that aims to give all legal individuals an equal opportunity to obtain loans and other types of credit from financial institutions/ lenders under Title 15 your company AXOAS BANK are prohibit by lenders in any aspect of granting credit to an individual. The acts purpose is to prevent lenders from using race, color, sex, religion or other non- creditworthiness factors when evaluating a loan application, establishing terms of a loan, or any other aspect of credit transaction. Organizations that have shown a pattern of discrimination can have lawsuits brought against them by the Department of Justice. CFR 1002.7 Rules concerning extensions of credit ( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis AXOAS BANK your False and Misleading me the Consumer your company accept my credit application but claim Your company AXOAS BANK denied me the consumer credit Im giving you a opportunity to cure this matter 15 USC 1691 ( b ) Activities not constituting discrimination It shall not constitute discrimination for purposes of this subchapter for a creditor ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness ;
Product: Debt collection

Creedence resource management is calling non stop from multiple phone numbers. They've called from the following numbers : XXXX XXXX XXXX XXXX I have previously reached out to the creditor to fix this issue and had been making payments.
Product: Credit card or prepaid card

This is regarding a prior complaint filed with the CFPB. Complaint number XXXX. After the complaint was closed Sychrony recharged by card for {$2100.00} after correcting the prior miss-charge. I would like CFPB to help resolve this or at least assite in driving this to mediation. I suspect the systematic false enducement of cash advances is a fradulent scheme perpetrated by Synchrony Bank and should be looked into by the CFPB for adjudication and administrative enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm concerned that my social security number was exposed to the world at large by Equifax and their lax security measures, and it has been reported that Equifax is issuing seemingly random responses to those potentially impacted by the security breach. I do not have confidence that if I contact Equifax to inquire as to whether my information was leaked, I 'll get a straight answer.
Product: Credit reporting or other personal consumer reports

I have requested for Experian to remove reported late payments for all XXXX accounts by dispute online and in writing and it has yet to be updated. I have contacted XXXX and they have sent me proof that I havent had any late payments. This is a student loan account which has been on a IDR of {$0.00} since it has been with XXXX and prior to. However, Experian refuses to update this information and these late payments are effecting my overall payment history.
Product: Debt collection

XXXX XXXX agreed that I would not owe anythingXXXX Fraudulently made me redo XXXX test that I completed.I told XXXX XXXX I would sue them if the test where not recovered. The customer service agreed to let me out of my contract without an debt if I did n't take them to court it was a computer error.They sent me to collections after we agreed to end the contact with out a debt.I contacted the collection agency and the lady said they are still going to put this debt on my credit even though it was not valid.This is breaking the law and so is the letter they sent to me.
Product: Mortgage

Have applied for many loan modifications Just received a denial this week in XXXX ; letter is dated for XXXX, XXXX. Then received an email of an approval. Ocwen used an income figure of {$9000.00} per month calculating my payment to {$2200.00} I am on benefits of {$1600.00} per month because of a car accident and will resume full time employment in XXXX, XXXX per the doctor Ocwen has made so many mistakes it unbelievable Where are they getting that kind of income and I have never sent updated income from my employer since I have been out of work
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, an unauthorized hard inquiry by XXXX XXXX XXXX XXXX XXXX was reported on my Equifax credit report. I disputed this unauthorized inquiry on XX/XX/2018. I read the dispute results on XX/XX/2018, in which Equifax stated they would not remove the unauthorized inquiry from my report and that I need to contact the creditor if the inquiry was unauthorized. However, no contact information for XXXX XXXX XXXX XXXX XXXX was provided in the dispute results or on my credit report. 

I have no account or dealings whatsoever with XXXX XXXX XXXX, nor have I applied for any account or credit with XXXX XXXX XXXX at any point in my life.
Product: Debt collection

I recently checked my credit report on XX/XX/2019, I seen an account that I don't recognize so I called the company Dyck Oneal Inc and gave them my first and last name. The agent on the phone told me she don't see any accounts with my name. I began to explain to her that Dyck O'Neal is showing up on my credit report. I demand that this company remove any and all accounts reporting to the credit bureaus ( i.e XXXX, XXXX, XXXX ). This company is in volition of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$1800.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$150.00} XXXX XXXX - XXXX {$1900.00} XXXX  XXXX XXXX - XXXX {$0.00} XXXX  XXXX XXXX  XXXX - XXXX {$1400.00} XXXX - XXXX {$0.00} XXXX  - XXXX {$180000.00} XXXX XXXX XXXX {$0.00} INQUIRY XXXX XXXX/22XX/XX/year>
Product: Debt collection

LVNV Funding placed a new account on my credit report. However, they never sent me any notification according to GA state Laws. I never knew this debt existed with this company. They never sent a notice explains the account in collection owned by them, any balances, etc. This is illegal. 

When I contacted the company on XX/XX/2020 they placed me on hold and never came back to the phone. As if they knew this was illegal. I disputed this account with the credit bureau on XX/XX/2020. 

I request that LVNV Funding remove this account from my credit immediately and cease and desist all collection activity after theyve intentionally violated the law with their illegal debt collection practices.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind accounts. No knowledge account. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information. I have enclosed a copy of my credit report and circled the fraudulent items on the report. I appreciate your prompt attention to this matter. Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved. 
XXXX XXXX XXXXAcct # XXXX **** Not my account. Please delete. 
XXXX XXXX XXXX ACCT # XXXX Not my account. Please delete. 
XXXX XXXX XXXX  ACCT # XXXX Not my account. Please delete. 
XXXX XXXX XXXX ACCT # XXXX Not my account. Please delete. 
XXXX XXXX XXXX ACCT # XXXX Not my account. Please delete.XXXX XXXX XXXX ACCT # XXXX Not mine account. Please delete.
Product: Mortgage

XXXX XXXX modified her mortgage which payments was XXXX} per month XXXX started Making payments of {XXXX} by ph as always, on the XXXX month her ph payment was refused due to not having a signed contract which was never presented to XXXX. XXXX never seen the said contract but asked for a reinstatement due to not getting the contract. XXXX was told she was denied do to not signing. XXXX explained to Ocwen that she never seen the contract, and asked how was it sent due to her mail being sent back to senders which we have proof of court doc 's that were sent to XXXX, and the courts emailed XXXX the proof of mail that was sent back with the right address which the XXXX is also witness to. XXXX has asked for a copy of the note holder Ocwen will not reply with the said information. Ocwen sent XXXX to a modification workshop in XXXX Ca where staff told XXXX not to sign or pay anything due to it would change the terms of the said contract. Ocwen has hot showed proof of any contract but took said amount of {XXXX} for XXXX  months but never sent a contract but took the money without a contract which shows XXXX new payment was and should still be {XXXX} by taking said funds they excepted the contract we were asked to show proof which is payments taking in a lower amount then it had been. so under the contract law we would like the {XXXX} back along with every fee applied from the day the new payment was excepted. Ocwen has been told times and ph numbers to call they still insist on calling the wrong numbers in each email they are told whom to call what time to call ect but still does n't apply to the direction giving to them XXXX has severe XXXX XXXX XXXX and XXXX XXXX which Ocwen has on file this has been so difficult with XXXX being sick. 
also Ocwen was asked to send a copy of the contract that was sent out for the {$XXXX do you know they sent a contract from XXXX its like they understand but they play like they do n't. also after the modification request do you know the modification offered was for {XXXX} dollars we do n't understand how its help when your not helping that just sent XXXX in to a downward spiral where we had to call the XXXX to afraid she my harm her self we have to watch her in this mind frame she just mite do something to hurt her self. I am c/o XXXX and my name is XXXX XXXX XXXX XXXX C/O XXXX XXXX