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

Last year around the XXXX time frame, Binance sent me an email stating I had one week to verify my account due to not being able to service me anymore since I live in the USA. I was not able to do that due to the verification process not allowing me to select USA as a country. 

Now, i can not transfer my money out of Binance to either myself or to BinanceUS ... which is their partner in the USA that handles crypto transactions. Binance and BinanceUS will not respond to my unique issue and my money is stuck and I was never able to get the opportunity to get it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports provided by Experian. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report :
Product: Credit reporting or other personal consumer reports

In XXXX I applied for a XXXX XXXX XXXX XXXX and received an inquiry on my credit reports Experian will remove the inquiry in XXXX when it should be removed in XX/XX/XXXX XXXX
Product: Debt collection

I contact the Attorney office and waiting on response from them since they said i am not able to contact the company directly since this matter is know being handle by the attorney
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts that are reporting on my credit report are inaccurate accounts that do not belong to me. I've complained before but nothing has changed, these accounts were opened without my knowledge i've asked for proof or any verification these accounts belong to me and i havent received anything, yet these negative accounts still remain and effect my credit report XXXX
Product: Debt collection

Revco Solutions has called me many timea despite my nicely asking them to stop calling me. I placed my name on the do not call list. I informed them in writing and verbally that they were mistaken regarding the XXXX medical debt of {$3000.00} for my XXXX XXXX XXXX. I sent an email to XXXX informing them that they overlooked my payment. Every time Revco Solutions calls me, the person on the phone is extremely rude. 
This is a Cease-and-desist notice to Revco Solutions. If the calls continue, I will take legal action.
Product: Credit reporting 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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app. On several different occasions I had money withdrawn from my account without my knowledge. I tried to contact them but was never successful at first. When I finally did get ahold of someone they asked for personal information that I gave them which I do not think was right because nothing never happened. I didnt get anything resolved! My account at the time was withdrawn without my consent in the exact dollar amount of {$6500.00}
Product: Prepaid card

I purchased this gift card and used it twice at two different stores. I attempted to use it again and the transaction declined, with and without the pin number. When I called to find out why it wasn't working I received a generic answer stating they suspected fraud. I was then told I had to send a copy of the receipt when purchased, ID, and a picture of the gift card front and back. I can not access the funds I loaded and this is theft by corporation.
Product: Credit card or prepaid card

On Sunday, XX/XX/XXXX around XXXX, I attempted to use my Care Credit  card at XXXX for a purchase of about {$32.00}. The card was repeatedly declined and the cashier informed me her pc was not giving a denial reason. I logged into my account, and it showed I had a payment due, but {$100.00} was still available to use. I called Care Credit customer setvice, and the first employee explained there was a hold on my card for the overdue payment of {$30.00}. I asked why it showed my card had {$100.00} available to use online, but she could not explain why, just kept repeating I had to make a payment. I asked to speak to a supervisor because I could not make a payment until the next week, and the associate repeated she could not release the hold. The supervisor stated I have been a customer since XXXX, with no record of a late payment, and additional principal payments made toward my balance this year. Regardless, their policy has XXXX exceptions and she refused to assist in any way. I told her to schedule a payment for my full balance and to close my card next week. CareCredit refused to help a customer of 8 years to buy medicine at XXXX in the amount of of {$32.00}, because of a {$30.00} payment that was 8 days overdue. Supervisor showed no interest in saving the account. Good riddance.
Product: Debt collection

This account was first reported on XX/XX/2019 in the amount of {$1200.00}. The collection agency has harassed me through emails, phone calls and mail. I have disputed this erroneous information but their aggressive tactics to collect have only gotten worse.
Product: Student loan

I have been receiving emails that payments have not been submitted then getting late fees and charged again and again. My bank statements show the money is being submitted to AES however they keep calling my parent 's house and harassing them and I keep paying more but the emails and calls dont stop. I have screen shots of the latest transactions ( email and my bank statements showing in making multiple payments ) I feel like I am being taken advantage of and I do not like these creditors calling my parents home phone ( I have not lived there for 9 years ) as they are old and this causes unwarranted stress which could lead to health conditions and their untimely death.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was discharged through Chapter XXXX XX/XX/XXXX but still reporting XX/XX/XXXX, XX/XX/XXXX which is reaging account over a year and should be paid current status and not derogatory. I have repeatedly tried to fix this error with all 3 bureaus and the TD Bank Target with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and Account name : XXXX XXXX XXXX XXXX, Account # XXXX & Account Name XXXX XXXX XXXX XXXX, Account # XXXX & Account Name : XXXX XXXX XXXX XXXX, and Account # XXXX & Account Name : XXXX  XXXX XXXX XXXX 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 an account without my written instructions.
Product: Vehicle loan or lease

i don't want to lose my car its all i have for my family ive been struggling with health issues i've had XXXX 3xs and it has really affected me in performing work duties ive had part time jobs and not making enough please help me keep my car so i can keep looking for work and keep on going and so i'm able to take my children to summer school and i'm able to maintain with my daily activities with my XXXX children im a XXXX XXXX  whom has gave all my strength to maintain a living and no matter how i fill i still give it my best to wake up and live a better day and put a smile on my children faces i lost my job recently do to labor shut down and over stacked in employees. so they laid me off and im back to stage one my stress and XXXX and heath issues really bring my life down but like i said earlier i'm trying to keep my head up and going out there looking for work so i can maintain a living and a life im given please help me keep my car. i dont want to lose it thank you and XXXXXXXX XXXX you all XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had setup Venmo as a payment form on XXXX. I placed some orders, don't remember if using Venmo or not, and then a month later my Venmo account is frozen. After a lot of back and forth I got the transaction details from Venmo, spoke to XXXX customer service and XXXX could not find the transactions. I sent that document from XXXX to Venmo 2 times and was informed it was not good enough evidence. So I called the Venmo phone number, got the purchase support team and was informed by XXXX that the disputed team is email only, can not be transferred, given a phone number or even a supervisor. The disputed team is the only way to dispute something and all parts of the process. They work from home so no transfers, or lists of department numbers or personnel.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, submitting this CFPB complaint to request to Equifax Credit Bureau to remove the negative marks from my Credit Report. Under the Fair Credit Reporting act, the Credit Bureaus are required to take a look and investigate the disputed accounts being reported on my Credit File. Also, Only Equifax is the one reporting this account as late and have already been updated and corrected from the other Credit Bureaus. Once again, I am requesting that Equifax Credit Bureau update the account : XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, 2020 XXXX {$22000.00} ; and turn the account as positive.
Product: Bank account or service

I applied for a Small Business Administration XXXX loan with Arvest Bank last year for my VA Certified Service XXXX Veteran Owned Small Business- National Veterans Service Bureau , we were denied. I again filed for a loan XX/XX/XXXX we were denied again after getting XXXX worth of Student Loans removed for XXXX student loan discharge. We asked for a review when I was able to remove XXXX out of XXXX collections items from my credit report. Again we were denied. I filed a complaint with the SBA OIG, we are awaiting the result of complaint to have Arvest removed from the SBA Lender List for racial and XXXX discrimination because on the last loan denial they said I had no income while I deposit XXXX a year in Payroll deposits and VA XXXX Pay. It has been one lie or reason after another. 

The reason I am filing this complaint is that now I have begun recieving retaliation in the form of deposits being held back, debit card transactions being held then posted when funds are low, I have over draft protection and they are sending checks back even when I call them and ask is there a transaction posting today they say no then put a transaction and returned the check, and I had called them asking them to call me or pay the check. They held transactions for over 7 days then put XXXX or XXXX transactions on the account at one time, putting me over the over draft limit, but again I tried to work with them by calling them. 

Fyi the Head of the Missouri Arvest Bank XXXX XXXX has been in communications with me, I also contacted their corporate office in XXXX Ark. I told them if the retaliatory transactions continued I would be filing a complaint with your office. I have also filed complaints with non us government companies about the racial and XXXX discrimination see the following link for more information. 

XXXX I do not want another XXXX veteran firm to be treated this way thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Website offered credit reporting services for Credit Report. Requesting my Credit Card information for verification purposes but didn't state i would be charged or how much. After signing up i then received an email receipt for a charge for {$27.00} which I did not authorize. They allowed me to cancel the membership but there is no refund for the unauthorized charge.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my TransUnion Credit Report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Checking or savings account

Merchant Name : XXXX Transaction Date : XX/XX/year> Transaction Amount : {$820.00} Transaction Id : XXXX Claim Amount : {$820.00} Claim Date : XX/XX/year> I contacted XXXX  on XX/XX/XXXX to dispute a booking with their host in XXXX XXXX XXXX , XXXX due to unsafe, hazardous conditions. XXXX XXXX was handling my dispute until the host decided not to authorize my request ( via XXXX ) for a full refund. XXXX couldn't resolve the issue, so I filed a dispute with SoFi Bank. On XX/XX/year>, XXXX contacted me via email exclaiming that, SoFi Bank notified them of the dispute I filed. They explained how a chargeback occurs and why. SoFi Bank initiated a chargeback for the total amount {$820.00}. XXXX explained that any further contact about my dispute is between SoFi Bank, and myself. 
SoFi opened an investigation on XX/XX/year>. A couple of weeks pass by and I hear nothing from SoFi Bank. After numerous emails and phone calls to SoFi Bank, their Back Office Department finally responded to my inquiries and complaints approximately 3 weeks before the 90 day Investigation concluded. The 90 day deadline was set for XX/XX/year>. I received an email on XX/XX/year> stating the denial of my claim. I have all the documentation, emails, call logs to prove their unprofessionalism and mishandling of this matter. I filed numerous complaints with SoFi Account Managers on SoFi Back office department, which leads me to believe this claim denial is retaliation! This has caused my family and I emotional distress, financial loss, and turmoil. SoFi has our money and they have no right to keep our property. Please help us to resolve this matter.
Product: Vehicle loan or lease

I was pressured into buying a XXXX  XXXX XXXX with my friend co-signing. I told the guy no but he kept talking to my friend and convincing her to sign the paperwork. 
After going home I went through the paperwork, nothing was clear to me until Im checking the payment history and the interest rate amount they were taking out. 
Every $ XXXX they take $ XXXX towards the interest. By the time I pay the truck off Ive paid the same amount as the loan in interest rate. Lets say the truck was for XXXX the interest rate amount would be XXXX. This should be illegal its not fair!!!! 
This was not clear to me when buying. I wouldve never got this used truck. Thats a no brainer that its a bad investment seeing the break down AFTER payments are made and they take out their portion. I called credit acceptance and all they said well you signed the contract THEY DO NOT CARE. They need to be sued.
Product: Credit reporting or other personal consumer reports

My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and XXXX.
Product: Debt collection

XXXX  XXXX XXXX Account No XXXXXXXX Nelson & Kennard File No XXXX-XXXX-XXXX Current Balance {$5400.00} I had XXXX  XXXX XXXX Credit Card and the debt collection company has sent the letter either payment plan or debt settlement. Instead of talking over the phone, I have sent out the letter requesting the statement copies and charges of fees or interests. 

While I was waiting for the response, I have received the letter from the law firm Nelson & Kennard XXXX XXXX XXXX XXXX, CA XXXX Tel : XXXX-XXXX-XXXX Fax : XXXX-XXXX-XXXX requesting I have 30 days to pay the balance or legal lawsuit will be filed for a judgment. It is asking to send the letter to dispute or respond which I have sent. 

I still do not have records of how the charges came about or the collection company looking into payment plan or reduction of the balance amount. 

I need consumer finance to involve to see this case so I can get the clear picture of the debt and the interest and other charges before I commit to the payment and the settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with representative XXXX at Ally Auto Financial. He was advised that Ally Auto financial company misreported a late payment from XX/XX/XXXX in error. In XXXX this was investigated and noted to be an error with the system regarding auto pay and I was told it would be resolved. However this error was never fixed and 6 years later it is still effecting my credit report and score. On XX/XX/XXXX XXXX attempted to dispute the falsely reported late payment from XX/XX/XXXX and have it removed from my report but per Ally representative named XXXX on XX/XX/XXXX stated that it was denied by the credit bureaus. My payment history with Ally financial was exceptional and paid in full with XXXX late payments. My credit report should reflect this but it does not and is affecting my financial future. False reporting is illegal and should be removed at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year after noticing some inaccuracies on my credit report, I decided to reach out the credit bureaus to investigate. After further investigation it became apparent I have become a victim of identity theft. I've since sent in disputes, identity theft reports, and several other documents regarding my claim. It has now been over 90 days, and some of the fraudulent accounts still remain on credit file. XXXX XXXX, XXXX/XXXX, and US Dept Of ED/ XXXX are the accounts I've never had any association or received any goods or services related too. XXXX, XXXX, and Transunion has failed to remove these accounts that were the result of identity theft. Under Fair Credit Reporting Act the bureau has 30 days to provide accurate verification which all bureaus has failed to comply with as well as provide a block per section 605b. There also several addresses along with inquiries that were requested to be removed which all still remain on my credit file which is unacceptable and a FCRA violation not to mention each one of the Dept of EDU -XXXX   accounts has mismatching or conflicting open dates which is INACCURATE information.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, Section 602 ( a ), consumer reporting agencies are required to handle their responsibilities with fairness, impartiality, and respect for consumer privacy. Equifax and Experian, as consum

er reporting agencies, are obligated to uphold these principles. Additionally, under 15 U.S.C. 6801, financial institutions have a duty to protect the privacy and confidentiality of customers nonpublic personal information. Under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the written consent of the
consumer. However, neither Equifax, Experian, nor the furnisher of this information have obtained my explicit written consent to report this data. I formally revoke any previous consent, whether verbal, written, implied, or otherwise. Furthermore, 15 U.S.C. 6802 ( b ) ( c ) states that financial institutions can not disclose nonpublic personal information to third parties without providing consumers the option to opt out, which I was never informed of.

Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report if it is older than seven years ( excluding criminal convictions ). The reported account is an adverse item and is being furnished without my authorization, which is a violation of the law. Moreover, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reason to believe is inaccurate. Equifax and Experian are also required under 15 U.S.C. 1681e to maintain reasonable procedures to prevent violations and ensure reports are only furnished for lawful purposes. Their failure to do so constitutes a violation.

Lastly, under 12 CFR 1016.7, consumers have the right to opt out at any time. Given these legal provisions, I am asserting my rights and requesting that my information be removed from Equifax, Transunion and Experians records immediately.
Product: Student loan

Aidvantage bought my loans from XXXX. My family and I have paid off the XXXX loans for the University XXXX XXXX and the last payment was made in 2021. Aidvantage has incorrect information and claims I owe them around {$40000.00} worth of University XXXX XXXX loans which is incorrect. They refuse to correct this mistake and have placed a negative item on my credit report which is impacting my life.
Product: Student loan

Navient offers no options for private loans for borrowers who can't afford the insane amount they ask each month. I'm happy to repay what I owe, even if the education I got with the loans has done nothing for me professionally. I have asked Navient in the past to do things like apply my payments to the balance first and the interest second, which they refused to do. I spoke to them over the phone to ask if I could lower my payments in any way and I was only offered forbearances and was told there was no possible way they could lower my payments. 

I've also asked them to validate my debt in the past, and they refused to do that too. My current monthly student loan bill is {$560.00}, which is almost half my monthly income. This is the second time so far this year Navient has raised my payment without reason. Last month my payment was {$550.00}, of which only {$90.00} went to the actual balance. At this time last year, my payment was {$520.00}. 

I currently have my federal loans in IBR and pay nothing on them because I only make about {$1300.00} a month. Because of Navient refusing to work with me and make my payments more affordable, I can not be an independent adult and live on my own. On top of all this, my total balance has gone up by several thousand dollars since entering repayment in spite of making regular payments of several hundred dollars a month for years.
Product: Student loan

I keep getting calls from my student loans a new company took over a couple of years ago and I tried to talk with them but just wanted money no matter what and would not hang up until they had some money. since then the call have been getting more and more each day now receiving about 5 calls per day. Premiere Credit XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX