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

Since this crypto was a growing in 2021, so i decided to invest some money and do trading to make some extra money. So i found this plate form for buying crypto and trading, so i deposited some cash and crypto to Binance newly opened account. But since i opened an account i have many issue, never was smooth. But most recent they disabled my trading, buying or selling, and withdrawing my money. I tried to contact them multiple time but problem never solved. In most recent email from Binance US they said my trading and withdraw is disable because one of the deposit on XX/XX/2021 didnt went through and asked me to deposit {$1000.00}, in the reply of that i email i sent them my bank statement from XXXX and marked the transaction and showed them deposit was successful and money has been taken from my account. Actually they tried to take another {$1000.00} from account which was unauthorized and i had to block that transaction from my bank. Since i sent them my bank statement i did'nt received any reply, submitted multiple ticket to resolve the issue but all in waste. I have all tickets and email records aswell deposit record from my bank.Its very stressful. I have attached my bank Statment from XXXX which shows all legit transaction as well email from Binance US and my replies. i need help on this.
Product: Checking or savings account

I have been with Robinhood for a while now and few months ago I transferred funds from my 401K into my Robinhood spending accounts than later send money from my Robinhood spending account to a family member. Due to that, Robinhood closed my account and since then they havent released my remaining funds thats in my account. I contacted them several times and theyre not releasing my funds.
Product: Debt collection

I sent a debt collection verification letter to XXXX office on XX/XX/2024, as per my rights under the Fair Debt Collection Practices Act. In that letter, I requested verification of the debt, including proof of ownership and a copy of the identification used to incur this debt.

As of today, I have not received any documentation or sufficient verification of the debt they claim I owe.

Under the Fair Debt Collection Practices Act, I am entitled to request and receive verification of any debt being collected against me. To date, they have failed to provide this verification. Therefore, I request that they remove all files reported concerning the debt.

Below is what I requested : 1. A detailed breakdown of the debt, including dates and amounts.

2. Proof that I own the debt or legal authority to collect on it.

3. A copy of the identification that was used to create this debt. 

I ask that they remove this debt from my records and cease any further collection attempts against me. 


Thank you for your attention to this matter.
Product: Checking or savings account

On XX/XX/2023 ; I deposited {$330.00} into my TD bank checking account to pay for XXXX XXXX  car transaction in the amount of {$32000.00}. On XX/XX/2023 ; the check from XXXX XXXX  for my account loan was returned and the {$320.00} is in my TD bank checking account. TD bank accountants will not process the transactions pending in my checking account when the funds are available on day the transaction was submitted or within the XXXX hours time frame that TD bank allows bank account to be current or funds deposit into accounts to clear payments.
Product: Debt collection

So my mom, whom I never communicate with called me and said that they threatened me on XX/XX/ She doesnt know what shes got coming her way, also called her on another on another occasion XX/XX/ on her business phone number and said If she doesnt give us a call back then we will sue. She was upset and hysterical. I dont know what credit these people are referring to because they refuse to send me proof. She told them both times to not call her but they kept calling anyway. They keep using scare tactics to collect on a debt and its very disrespectful.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX - XXXX - XX/XX/XXXX XXXX. XXXX - XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I called to find out why my account was restricted only to find out that it was canceled. For no reason! I tried to pay with a different bank account and must have pressed a wrong number for the account number. The payment didn't go through... I ended up paying with the account I used to previously to pay. They canceled anyway XXXX accounts that never was even paid late. Will not recommend capital one to anyone! XXXX  capital one and XXXX capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated Account Name & Account #, was properly investigated but how is that possible if the open date is inaccurate. the date last active is inaccurate. and the date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting

In 2013 I was a victim of Fraud and I was n't able to get the perpertrator so I ended up having to pay my XXXX XXXX accounts, later I was able to pay off another account from XXXX also. I need CHEX SYSTEMS to remove these PAID accounts off of my Chex System account. I am a mother of XXXX children that have XXXX and it is very difficult to open them up an savings account because of this information on my CHEX account.
Product: Debt collection

COLLECTOR FAILED TO VALIDATE DEBT AND VIOLATED FCRA, FDCPA AND TCPA.
Product: Debt collection

I do not owe Transworld SYS IncXXXX XXXX the account was closed and they reopened as a from of harassment it is XXXX and elder abuse. I have disputed all of these accounts with the three credit bureaus and they retailiate and reopened the accounts.
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. 

Account Name : XX/XX/XXXX : Account Number : XXXX : Balance : {$430.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XX/XX/XXXXXX/XX/XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the inaccuracy of the Public Record which is being reported within my credit report. Equifax credit file dated XX/XX/XXXX verified through their third party vendor, XXXX that this item has been reported correctly. I was able to obtain a copy of my XXXX report case number XXXX dated XX/XX/XXXX ; their resolution : after a reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your XXXX report. I not understanding, why, this bankrupcty remains in my file after XXXX have REMOVED/DELETED this item. Therefore, this Public RecorXXXX should be DELETED immediately from my credit report.
Product: Credit reporting or other personal consumer reports

Inital complaint filed XX/XX/year> - XXXX ; was told that I would be able to access my credit report. I am still unable to access my credit report on Transunion 's website and annual credit report.
Product: Credit reporting or other personal consumer reports

ACTIONS BY ME : XXXXI was notified by email and alert from XXXX- ( A new account was opened ) from XXXX XXXX XXXX. Opened XX/XX/23, Amount {$910.00} XXXXI pulled my Equifax report and filed a dispute with XXXX XXXX XXXX advising ID Theft. 
9/11/23-I placed a FREEZE on my Equifax credit report. 
XXXXCalled XXXX XXXX XXXX spoke with Customer Support advising them of ID Theft, as I did not voluntarily open credit for myself or for anyone else with XXXX. I verified my personal information with them. 
XXXX made follow up call with XXXX, XXXX no one would give me any information. 
XXXXReceived email from XXXX, to fill out an ID THEFT AFFIDAVIT form to download and submit back to them. The Affidavit form would not download to an acceptable PDF. I called back to inform them of the trouble I was having, they said no problem just email it back to XXXX from the XXXX XXXX. 
XXXX I called Equifax to informed that I was having a difficult time with XXXX XXXX XXXX that I asked to speak with Mgr or someone in the Fraud Dept and all I get was voicemail stating to leave a message and someone will call me back..NEVER RECEIVE A CALL. 
XXXX Called XXXX  for an update, once again nothing! Except for a the person 's name and credit was use for XXXX XXXX XXXX XXXX. 
XXXX-Received response from dispute- XXXX XXXX XXXX reports that this account belongs to me. 

XXXX XXXX XXXX is allowing bad credit practices, and allowing people to use others personal identification, without validating one 's identity. I have done all that I can do to prove my innocence. I never received any type of correspondence via USPS or email, nor did I receive phone call solicitation asking if I wanted credit with UPLIFT. 
I only found out about this because of the alert from XXXX letting me know of the new open credit. I currently have FREEZE on all 3 credit reporting agencies. 
Please help me, I am a victim of ID Theft, I did not apply for credit with XXXX XXXX XXXX. I have already notified the XXXX of XXXX XXXX XXXX of their bad practice. 
The burden of proof is now on XXXX XXXX XXXX to show that I signed an XXXX XXXX XXXX credit application, address, and phone # used, or if done online, there should be an ISP tracking where the application was originated.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the inquiries and erroneous personal information which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX -- XXXX -- XXXX -- -- -- -- - XXXX : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX, TX XXXX -- -- -- -- -- XXXX -- XXXX - XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just look at my report and again i have someone again is reporting information fibulas filling on my report i should had been notified before reporting anything on my report this is affecting my score drastically to the point its causing so much in my life i can't even file for a HELOC loan to help me thru all the financial hardship due to covid pandemic. 
Trans Union kill my score from a XXXX to a low XXXX the hard inquires with complete false address out of California.
Product: Debt collection

I have attempted to inform Ad Astra Recovery Services , Inc for over 5 years that the debt they are reporting on my credit reports doesn't belong to me. I have constantly disputed the problem with all three credit bureaus, paid companies to dispute the debt on my behalf, and contacted the company directly. I sent letters for validation to Ad Astra Recovery Services , Inc. and the company sent a response stating the  account was verified. However, the the debt letter they sent was addressed to XXXX XXXX, which is not me. On other forms the last name listed is not how my name is spelled, I did not live in Texas when the alleged debt was taken out, and the banking information listed is not mine and I've never had an account with the listed institution. No additional identifying information is provided to support that this debt belongs to me, including the lack of a telephone number. In addition to the issues I mentioned regarding the documentation Ad Astra Recovery Services , Inc provided indicating that the debt is not mine, there is no physical signature on the contract, which further confirms that the debt does not belong to me.
Product: Prepaid card

I purchased an item on XXXX, on XX/XX/year>, in the amount of {$150.00} with my direct express debit XXXX. transaction was excepted by XXXX and transaction was completed successfully between XXXX and direct express on XX/XX/year>. at this I was unaware that my card had been put on hold. when I tried to contact customer service ( XXXX ) I was put on hold. I waited about 45 minutes with no response. called again an hour or so later and again put on hold with no response. this has been going on for 2 weeks.the card is now coming up invalid, i had approx {$400.00} in the account at the time of said purchase, on XX/XX/year> my social security check was deposited to the card.total on the approx {$1800.00}. I have changed my future deposits since but can't get any response from direct express, this is my only source of income. please help me get my money back!
Product: Credit reporting or other personal consumer reports

They have a dismissed bankruptcy on all three of my credit reports the district court said they did not report this that they do not report to 3rd partys.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems is reporting a fraud accout on my credit. 
I didnt open this account, nor did I authorize anyone to do so on my behalf. 
Please remove this account from all 3 credit bureaus
Product: Debt collection

I told them I have XXXX. They supposed to do there job and didnt do it still charg me.
Product: Checking or savings account

I tried to opened a debit and check account and i received a letter that says they need a soft inquiry of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a lease with XXXX XXXX ( XXXX XXXX XXXX  ) was created with XXXX XXXX ( Primary Tenant ) and I ( XXXX XXXX ) was the Roommate. XXXX XXXX agreed, along with the property management of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX ) for apartement # XXXX. It discloses under # XXXX that " Releasing a m XXXX XXXX ( name of roomate who is moving ) from further liability or responsibility under the lease. This was signed by XXXX XXXX and by myself ( XXXX XXXX - before a notary in XXXX. I have not been at XXXX XXXX XXXX, XXXX, XXXX  XXXX since I moved in XX/XX/XXXX. Since then I moved away with reassurance from XXXX XXXX XXXX XXXX that I would be clear of all liability for this unit. I was sent to a collection agency " XXXX XXXX XXXX ( XXXX ) '' without any notification and no communication. I see that {$6300.00} is reported all 3 of my credit report falsely and unknowingly that impacted my credit scores causing punitive damages. My character was misrepresented and I was unable to get a place in XXXX  causing to move out of state and I didn't even know why. My credit score went down XXXX points and it impacted my result of getting a house. I feel XXXX XXXX and XXXX XXXX, along with XXXX XXXX XXXX should be penalized for violated the credit reporting act in so many way. Please follow up on this. My number is XXXX. This was really misleading to have me sign a roommate release and then turn around and bill me charges for a place I didn't live at. I had great credit and never had this happen to me before. 
XXXXXXXX XXXX XXXX  sold my information to an unauthorized Collection Agency " XXXX XXXX XXXX '. It was illegal for them them to give my private information out to another consumer after I was already released from all liability in a legal signed agreement. I was also mislead by the consumer illegally. Thank you.
Product: Credit card or prepaid card

I attempted to purchase tickets to the opera from XXXX. I thought I purchased two tickets totaling {$650.00}. When I printed the receipt and the tickets I discovered two problems. First the price I was charged was {$920.00}. Also the name on the tickets were not my name but the name of a different person and the price on the tickets was {$190.00} each. I attempted to contact the company by phone but was unable to reach anyone. I sent a few e-mails stating that I would not try to attend an event with tickets that were not in my name and wanted either tickets with my name for the price I agreed to pay or a refund. They responded that they were a third party seller and that there were no refunds and that this was the standard in the trade. 

I then contacted my credit card company American Express and they agreed to suspend the charge and would investigate. This would take approximately 6 weeks. It is quite disturbing to me that these actions are allowed. No where on the purchase site does it say that they are a third party seller and that the price and the names on the tickets would be different that my purchase. 

I never attended the opera and did not use the tickets. I informed them of my actions and intentions before the date of the show to give them time to resell the tickets but they refused to cooperate. This type of business should be closed down. It is totally misleading and deceptive to the public. 


I also purchased cancellation insurance on the same site from XXXX   and this also was a scam. I contacted them and they told me it was not covered. Seems like birds of a feather flock together.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Currently have some fraudulent inquiries appearing on my credit reports I have listed the inquiries below with supporting documentation. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX  ACCT ENDING IN XXXX LATE PAYMENTS REPORTED ON XXXX AND XX/XX/XXXX AND XX/XX/XXXX, XXXX XXXX REPORTED XXXX XXXX, XXXX AND XX/XX/XXXX, XXXX LATE PAYMENTS REPORTED FOR XXXX AND XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTED XXXX FOR XX/XX/XXXX AND XXXX AND XXXX OF XXXX AND XXXX, XXXX AND XXXX OF XXXX, XXXX XXXX XXXX XXXX REPORTED LATE FOR XXXX, XXXX AND XXXX OF 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. 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$9.00} ; XXXX XXXX Balance : {$18.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Balance {$0.00} ), XXXX  ( Opened XXXX. XXXX, XXXX, Credit limit {$1200.00} ), XXXX XXXX CO ( Opened XXXX XXXX, XXXX, Credit limit {$500.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$1300.00}, Original Creditor Name XXXX XXXX XXXX  ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

My account is charge off and seeing the company wrote it off as a profit loss i was told i was getting a 1099-c i requested so i can then write it off as income. Their reporting charge off on my credit report and are taking a tax break. I will sue this company for statuary damages and suing them for fraud and will notify the IRS. if this company is willing to remove account from my credit report then i will close my complaint out with no further action and will write it off on my 1040 as income using a 1099-c Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed an accounts reported by your company in the file you maintain under my Social Security number. XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT TYPE : COLLECTION ACCOUNT NUMBER : XXXX  DATE OPENED : XXXX XXXX XXXX BALANCE : {$1600.00} I was informed on 7 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section XXXX ( a ) ( XXXX ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days.
Product: Student loan

I qualified for public student loan forgiveness in XX/XX/XXXX. I applied for pslf in XXXX. In XX/XX/XXXX i received notice that the balances are XXXX. Now, XXXX  months after qualifying, i am getting a notice that there is still a balance of almost XXXX. I cant send any messages on Mohelas website. They wont provide any customer service but continue to attempt to collect on forgiven loans.