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

I sent stellar to Binance.us 3 months ago. I forgot the memo and was told no problem, 5 days and you'll have it. That was 3 months ago ... I even filed a cfpb and they told you theyw ere in contact with me so you closed it ... They were in contact with me to tell me that my funds would be processed asap, then even told last week, and at the latest, earlier this week, it is now friday and haven't received an email from the last response I sent to them for a week now. I have every email in which they told me it was coming, and even being processed, which in crypto world takes literally an hour tops. This site is scamming us, or has no liquidity to give us our money and we need your help. Do not close this case until my funds are in my account via my indication alone to you. 
# XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed some inaccuracies. The consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their agility with maximum accuracy. I was not 120 days late on the account ( XXXX ) in XXXX of 2020 as reported by XXXX. The second error is the Past Due Balance on this account is incorrect and should reflect {$0.00}. Please investigate and provide proof of the inaccuracies that have been reported. If proof can not be provided, I demand that this information be updated or the account be removed from my credit report. Thanks, Please see attached.
Product: Mortgage

I sent my XXXX payment on the XXXX and on the XXXX of XXXX I was notified that Freedom Mortgage did not receive the payment. I went to my bank and filled out paperwork and they verify that the check was never cashed. I had another reissued and sent it. Within that time, it went past 30 days and they reported it to XXXX XXXX and XXXX which resulted in a drop of 70 points on my fica score. They also sent a letter notifying me that I have been appointed a single point of contact????? They also said that I was behind 2 payments which was not the case. I called on XX/XX/20 and the recording said my next payment due is XX/XX/20. Three things took place ; a lost check resulted in the situation I m now in ; my original check was sent on time but because it was lost I now have a delinquent hit on my credit report resulting in a 70 point drop! The letters sent are for someone experiencing difficulties with paying their mortgage which I AM NOT! My payment history with all debt before this was on time and no problems. This was taken too far and for reasons that benefit Freedom Mortgage only! If I have another issue I understand that they can increase my interest rate by a point????? The drop in my fica score in extremely unfair and not warranted. The XXXX  and XXXX XXXX needs to come off. I have records of discussions with Freedom
Product: Credit card or prepaid card

Received letter for Macys Credit Card ending in XXXX regarding changes to an account in late XXXX, XXXX. This was a huge surprise, as my Macys account was closed many years ago ( I believe XXXX, or earlier ). 
I called the creditor, and learned that there were at least 4 accounts opened in my name ( of which, only 1 was ever authorized by me ; this appears to be similar to the fraud committed by XXXX XXXX a few years back ). 
On XX/XX/XXXX, I made numerous attempts via phone to verify how many accounts were opened, and remained open, and to get the creditor to confirm ALL accounts were closed, but was told differing information depending on the CSR I spoke with, and they continued to be misleading when I inquired whether ALL accounts were closed. I spoke with 5 CSRs ( XXXX, XXXX, XXXX, XXXX, and XXXX XXXX, and none would tell me the exact number of accounts opened in my name, only that there were at least 4. They refused to provide any account numbers for my tracking and reconciliation back to the 1 authorized account. 
They explained that no remaining accounts were open, and I requested formal documentation explaining this explicitly ( i.e., that I had no remaining accounts open, as I could not reconcile because I had only knowledge of the 1 authorized account, and they refused to give account numbers for the other 3 ), which they agreed. I never received that documentation.

For all I know there are still open accounts, or were more than 4 ( who knows!! ).

Regardless, only 1 account was authorized to begin with.

Im looking for confirmation that ALL ACCOUNTS IN MY NAME ARE CLOSED. Not one-off letters for a particular account that was opened without my authorization ; I can not reconcile this if I can not confirm how many unauthorized accounts were opened in my name to begin with. Huge problem here, and Ive seen companies fined millions for this very type of internal sales fraud, just like XXXX XXXX.
Product: Debt collection

The plaintiff said that my wife 's part of this debt was discharged but my part of this debt was not, i, had no part of this debt, he cleverly took upon him self to give me a part of this debt, and will not prove it., neither no contract, i had nothing to do with this debt, somewhere I keep reading that he has a duty to show me how when and where I accepted or own this debt.i have to fight this because it 's my right. Even this false judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I attempted to contact Hyundai Motor Finance on at least 5 occasions, to only be hung up on at least 4 of those times by the agent. On the final attempt I was able to escalate my issue with a manager/supervisor to hear my issue, see below : I leased my vehicle ( XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. This was a XXXX  month lease, set to end XX/XX/XXXX. When going through the lease process, I was informed that I would be making my payments for 36 months, with my final payment being due XX/XX/XXXX, and returning the vehicle XXXX of XXXX. 

XXXX hit my family hard financially at the beginning of XXXX. I reached out to Hyundai Motor Finance to request a deferment of payments. XXXX agreed to defer my payments for both XXXX and XXXX of XXXX. It was explained to me that they would be adding 2 months to my lease term, to allow me to make up the XXXX missed payments from XXXX. I agreed. My original term was set to expire in XX/XX/XXXX, was now extended to XXXX of XXXX. To be clear, I was informed I would be using the XXXX extra months to pay my deferred amount, not take on an additional XXXX  months worth of monthly payments as well. 

I made a payment in XX/XX/XXXX, assuming this was to cover XXXX deferred payment from XXXX, and XXXX would be the XXXX payment. I made a single payment in XX/XX/XXXX. I received a bill in XX/XX/XXXX that indicated I owed a XXXX payment and also the XXXX deferred months from XXXX, totaling over {$1300.00}. 

I was made aware that my XXXX deferred payments would be a replacement of the XXXX extended months, not in additional to the XXXX extended months. Based off XXXX 's math, I am now payment XXXX  months of payments on a XXXX  month lease. 

In speaking with a manager today, they explained my thought process doesn't make sense and it doesn't matter what I was told over the phone, that this information was included in my letter that I received. I asked for a copy of this letter via email, to which I was told an email takes XXXX  days. I asked for their manager as I needed this right away since my payment is due XX/XX/XXXX. The supervisor I was speaking with said there is no one else to speak with and I need to wait the XXXX days for the email. I advised this is unacceptable since my payment is due in XXXX week and need the supervisor or manager to walk me through the letter to better understand. The supervisor refused and indicated there's nothing she can do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX on XX/XX/18 Ran a Hard credit Inquiries on a credit application with XXXX of XXXX XXXX in which is not me. Incorrect social security number, Incorrect drivers lic, incorrect date of birth and no date on the application. I did not give permission for this transaction. Please stop trying to avoid the truth with your fraud and deception committed by XXXX of XXXX XXXX. Please provide my real social security drivers lic & date of birth and stop trying to avoid the application put in as fraud. I have also filed the documents with the US Attorney office as proof this is not my information as drivers lic, date of birth, soc sec number all fraud type in by XXXX of XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under XXXX U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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've recently sent in a dispute for correction on my credit report, and nothing has changed. it seems XXXX failed to do a proper investigation required by law. Inquries still remains on my credit report ( hard and soft ) as Ive had no business with these organizations. Also charge offs still remains, and late payments hasn't been placed in current status either. I'm sending in XXXX last and final dispute letter before I go into federal courts if XXXX continues to defame my character and cause me more XX/XX/XXXXXXXX. I'm being denied credit due to these inaccuracies of debt. XXXX has assumed a vital role in my consumer affairs, so im demanding that they correct my credit report before a suit be filed against them.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies XXXX and Transunion have some information/accounts on my credit report that I have no knowledge of and it has damaged me from by using my first home
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX XXXX and XXXX and experian About fraud accounts and I also notified the companies that these companies did not have my written consent to report to any 3rd parties and or share my information with any 3rd parties. 

15 USC 1681 ( a ) accuracy and fairness of credit reporting. 
( 4 ) There is a need to insure that consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

15 USC 1681a ( 2 ) EXCLUSION - EXEPT AS PROVIDED IN PARAGRAPH ( 3 ) THE TERM " CONSUMER REPORT " DOES NOT INCLUDE ( i ) REPORT CONTAINING INFORMATION SOLEY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I recieved a wire transfer from my lawyer via XXXX XXXX  to my savings account with NAVY FEDERAL which was a settlement from an auto accident. At or around XXXX XXXX the remaining funds from my settlement was frozen, I was able to see the funds in my account bu unable to access said funds. I went to the NAVY FEDERAL BRANCH XXXX XXXX XXXX, XXXX XXXX, TX XXXX and spoke to a banking rep, I was told that the funds were " ON HOLD '' for possible fraud, and the investigation would take up to XXXX  days to be completed, I was told once the investigation was complete then said funds would be released. XX/XX/XXXX the money was eradicated from my account completly, meaning I could no longer see the frozen funds on my account, I spoke the online banking rep who informed me that those funds were sent back to XXXX XXXX  and XXXX would have to re-distribute funds back to me via the original sender. 
I asked for a tracking number of the funds that was sent back, I recieved nothing. I contact my lawyer who arranged a meeting with XXXX XXXX  to have the funds re-distrubeted. XXXX is claiming that they never recieved the funds from NAVY FEDERAL. The money was never wired to Chase but left my account via an " adjustment '' I have made NUMEROUS CALLS to NAVY FEDERAL about this issue, I keep getting different stories, empty promises of call backs, The last information I have been supplied with as of XXXX that it is now under investigation ... ... ... .AGAIN I am a XXXX VETERAN and every XXXX that I have counts. Please Assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed late payments with the creditor XXXX through the following companies XXXX, XXXX  and TransUnion for the months of XXXX, XXXX and XX/XX/XXXX as-well as XX/XX/XXXX it is approaching the deadline for the 30 day fair reporting act and the investigation is still not complete. I would like for these late payments be removed and updated to on time immediately.
Product: Student loan

MOHELA randomly placed my loan in forbearance without my consent or disclosing this action to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Investigation Confirmation # XXXX To whom this may concern, I recently received your intimidating response letter regarding this recent investigation results confirmation that is above. In where you stated that the results from that investigation has been completed. '' As a result of your findings. Im formally requesting the following documents specifically. 

Please send me the full arrangement ie, the 1. Contract with my signatures on it that says that 3rd parties are allowed to have my information that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : " DELETE XXXX   XXXX XXXX '' Or Delete It! 
XXXX XXXX XXXX XXXX Or Delete It! 

Richardson v. Equifax Information Services, LLC et al, Cushman Vs TransUnion, and Stefferson Vs Experian. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that they cant just use the XXXX XXXX because its not considered reasonable. They can not just say that we went to the Creditor and/or Collectors and got this information and they just say that its verified and we can say that its verified. No! 

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation. 

And send me another credit report. 

I've included the full letter with the items that I'm disputing below.
Product: Credit reporting or other personal consumer reports

I checked my credit report, bcs I received an email about a new inquiry, when I checked this morning, I noticed several hard inquiries and other soft ones started that I did not authorize, so I called the first two banks, and they informed me that a credit card was in their institution, which means one for each bank ( XXXX and XXXX XXXX ), they informed me that they have cancelled the credit cards, and an investigation was going to be performed and that they will email me the findings, aka credit card fraud. XXXX ( XXXX ) provided me with the email address of the person who opened the CC in their bank, which is XXXX, and that is all she can provide me. The other bank, XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ), indicated that they can not provide me with any information of the person who opened the credit card using my ssn, etc. XXXX XXXX informed that the credit card this person opened already has a balance over $ XXXX, the other bank did not provide this info. I still have a list of other places, I need to call. I will be calling the other companies tomorrow, which are : ( 1 ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX Date of credit report inquiry : XX/XX/XXXX  ( 2 ) XXXX XXXX, XXXX XXXX XXXX XXXX, WI XXXX Date of credit report inquiry : XX/XX/XXXX  ( 3 ) XXXX, XXXX XXXX XXXX XXXX, OH XXXX Date of credit card inquiry : XX/XX/XXXX  ( 4 ) XXXXXXXX XXXX XXXX and XXXX XXXX Credit Card Services cancelled the credit cards, but I will continue monitoring my information regarding credit inquiries in the three cree bureaus. 

I already put a freeze in XXXX and complete the freeze for XXXX and XXXX tomorrow.
Product: Debt collection

Kent hollins harassed me n called repeatedly every day even after being asked not to. Can provide call logs from XXXX XXXX
Product: Credit reporting

this company dropped my credit score about XXXX point with no apparent reason and are refusing to delete an item even though i sent them the deletion letter from company on XXXX XXXX my credit score was XXXX now it XXXX with no apparent reason and they have multiple duplicated inq on my account
Product: Credit card or prepaid card

I opened a Kohls Card and made one purchase on the date I opened it. I never received the card it was sent to XXXX XXXX XXXX, XXXX XXXX California, I reported this to Kohls, who said they would do an investigation and look at video and signatures. I received a letter with the account charges. None of the signatures match the original signature of the day of my first purchase. I just receive a letter dated X/XX/2017. Stating that an investigation was completed and no fraud was found. The signatures do not match, an I have not set foot in a Kohls store after my first purchase. I would like for this investigation to be completed thoroughly. Please look at the signatures! they are not mine they do not match the original when I opened the account.
Product: Debt collection

My husband received a call at work in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that I was in collections for a {$4500.00} medical debt. So, I then called the number he gave me to ask for more details. My insurance claims page had stated that I owed XXXX on that claim. Which I told the representative on the phone. I then asked for them to send me an itemized bill and proof of owing the amount listed. I never received either so I assumed it was a scam or accident if they looked into the debt after speaking to me. 

I now ( XXXX XXXX ) have been sent a text saying that my account has been approved for attorney placement. I called and spoke with someone again relaying that I never received anything in the mail. They stated it went out XX/XX/XXXX. I never received a call or message after they claimed they sent it. I also have Informed Delivery with my postal service and it never shows anything else being sent from them. The representative then stated that it would go to an attorney on XX/XX/XXXX. 

I then got back on a chat with my insurance provider and they showed and stated that my XXXX XXXX paid it completely. So my insurance provider called XXXX and spoke with both of us on the line and told them that I didn't owe the debt and they would fax the proof. I am now waiting for conformation that they received the fax and acknowledge that I don't owe the debt.
Product: Mortgage

On XX/XX/XXXX, Shellpoint Mortgage Services used my escrow to pay off my mortgage balance. They did this without informing me. I only discovered this when I opened my online account to discover my loan was " inactive. '' I have called : XX/XX/XXXX -had to request a final statement, which I received, but it makes little sense. However, the customer service representative, XXXX XXXX, told me I should be getting {$150.00} returned. 

I believe I called again in late XXXX, but can't find a record XX/XX/XXXX- was told I'd get my refund in 10 business days Thursday, XX/XX/XXXX - Representative XXXX XXXX said that her manager assured her my refund was coming, but Shellpoint had just required many new loans and was very busy. 

Friday, XX/XX/XXXX - The customer service representative said all the others were wrong and Shellpoint had essentially gifted me {$150.00} because there weren't sufficient funds in the escrow account. This seems unlikely. 

My release of mortgage is dated XX/XX/year>.
Product: Credit card or prepaid card

My wife and I moved back in  XXXX  of  2016. Since that time there have been   XXXX    attempts where someone has applied for an Amazon.com credit card through Chase Bank in my or my wife 's name. These applications have all used our old street  address.     Each time this happens I 've call ed Chase to indi cate that the application is fraudulent and had the application denied.     I have spoken multiple times to bo th Amazon and Chase customer service indicating that I have no intention of applying for an Amazon or Chase credit card, and  I would like them to deny any application in my name, but both have indicated they can not do anything to help me. They each directed me to the other for help. Neither is accountable for the problem. An  Amazon agent did indicate one time that she would call Chase on my behalf, but it had n o effect.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THIS ACCOUNT XXXX XXXX XXXX XXXX XX/XX/2021 Date Opened I DONT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX