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

My Binance.US account has been blocked and have been unable to trade since XX/XX/2021. There is no customer support but only robots responding. Im still able to log in and but unable to withdraw XXXX or sell or buy any crypto. Im still able to deposit usd. Thats why I have XXXX  available but I cant even withdraw it. It originally was from a chargeback but I made a deposit that fixed the chargeback and got a email 45 days later saying looks like youve fixed deposit and account will be enabled within 7 days and still no response its been another 45 days and still no response. And account is still disabled. I originally had XXXX in there then deposited another XXXX and value was XXXX usd then. Every day my value is going down and unable to buy trade or withdraw. Feels like I got scammed Binance. Us needs to be held accountable its thousands of users on XXXX  with the same experience and Ive been pretty patient but now this is unacceptable. I get response from robots saying issue resolved and that if I need anything else respond back but Ive yet to receive any correspondence all the while the market is crashing and Im losing value everyday. My support ticket number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file for the second time. I was sent a letter by mail saying that my letter was submitted by someone else please investigate the issue this time. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

Upon reviewing my personal credit report I noticed XXXX collections that I have no knowledge of. 
1.XXXX public library2. Unique Management services , inc. 
for the amount of $ XXXXThis debt is not mine.After finding this information I quickly called XXXX parties on the collection and told there must be some mistake. the collection is from overdue/lost books from the library in XXXX XXXX XXXX.I believe they have myself mixed up with my brother.We share the same XXXX and XXXX names aswell as the same XXXX initial of our middle names.I spoke with XXXX companies and seemed like all they wanted was money instead of finding out who when what and where.I explained to the library that they must have me mixed up with my brother and that I live halfway across the united states for years now and there was no way this could be me.I asked for proof of debt and was told that they only have a name and address on the account.I asked if they have a driver liscense to go along with the library issued card pertaining to the account and was told they do n't have that information just a age range XXXX ( perfectly fits my brothers age ) .I was told there was nothing they could do. 
I sent a certified debt validation letter to the collection agency asking for proof that this is my debt and all I got back was a name an address and a list of overdue/lost books and an amount of collection. 

the address they have on file for this account was my childhood home until I moved away, my brother of the same XXXX XXXX and middle initial name still lives there. 

for this debt to be mine is next to impossible.Please help and Thank you
Product: Debt collection

Convergent Outsourcing INC is representing XXXX in targeting me for an unpaid phone bill of {$1900.00}. This debt does not belong to me. I have had established phone service with XXXX and XXXX. Please assist.
Product: Student loan

Despite my previous mail correspondence, Mohela has failed to investigate and rectify errors contained on my credit report. Thereby you have violated the Federal Credit Reporting Act, due to which I have lodged complaints with the Federal Trade Commission and the California Attorney General 's office. I am allowing you 30 days to rectify the erroneous information ; your failure to do so will result in my filing suit against your institution. 

INCORRECT TRADELINES : 1. XXXX/Mohela -- Ac # XXXX ... This item is inaccurate because the creditor nor XXXX XXXX XXXX furnished proof that this debt was late. I am requesting that this information be deleted to correct the information and an updated credit report be sent to me. I am enclosing a recent credit report, which indicates that this account continues to reflect on my credit report.
Product: Checking or savings account

I am filing a complaint against Chime and XX/XX/XXXX for refusing to resolve a dispute regarding a charge of * $ XXXX on XXXX XXXX at XXXXXX/XX/XXXX*. 

During my XXXX ride on XX/XX/XXXX, I encountered unsanitary conditions, including a roach infestation, as evidenced by the attached photo. These conditions made the ride unbearable and caused me significant discomfort. Despite providing evidence of the unsanitary conditions, *Chime denied my dispute* and refused to reopen the case. 

Under *Regulation E ( 15 U.S.C. 1693f ) *, Chime is required to conduct a reasonable investigation into disputes. However, they failed to properly consider my evidence and resolve the issue. XXXX, as the service provider, also failed to provide a safe and sanitary environment, which constitutes a breach of their contractual obligations. 

I request that the CFPB investigate this matter and ensure that I receive a full refund of {$77.00}. 

Thank you for yourassistance.
Product: Debt collection

I have a mail check loan I had applied for and XXXX XXXX so was unable to work. I tried to make payment arrangements but the lady XXXX threatened me with having the sheriff serve me at my job. I called back and spoke to a supervisor there and she threatened to have me served at my job regardless of me stating i didn't want them contacting my job and when I asked for her FTC number to filter a complaint she hung up on me and then wouldn't answer phones anymore.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 XXXX XXXXXXXX and XXXX ACCOUNT NUMBER : XXXX Credit Acceptance ACCOUNT NUMBER : XXXX 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 602 A. It also states a consumer reporting agency can not furnish a account without my written consent 15 USC 1681c ( a ) ( c ) states no Consumer reporting agency may have any consumer report containing any of the following : Items of information. Any other adverse item of information other than records of convictions or crimes which dates the reporting more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm Super Upset with this situation. I sent a letter reguarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I did my research I know the credit bureau 's have 30 days to reply back and they haven't. I feel like they are just taking Advantage of me by ignoring my disputes which I took the time out of my day to send. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Due to the law I researched, I demand these account be deleted immediately or I will file litigation due to the street you cause me. My information was impacted by the Equifax data breach and mayhave gotten into the hands of the wrong person. I am begging for help at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX Subject : Request for Removal of Inaccurate Addresses from Credit Report To whom it may concern, I am writing to request your assistance in correcting inaccurate information that is being reported on my credit report. Specifically, I have noticed that there are erroneous addresses listed on my credit report that do not belong to me. I believe these inaccuracies are negatively impacting my creditworthiness. 

I have carefully reviewed my credit report from Transunion and have identified the following inaccurate addresses/phone numbers : 1. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 2. XXXX XXXX XXXX XXXX, VA XXXX 3. XXXX XXXX XXXX XXXX XXXX, VA XXXX 4. SAFETY DEPT FPO, AP XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, PA XXXX 6. XXXX XXXX XXXX  XXXX, XXXX  XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX, PA XXXX 9. XXXX XXXX XXXXXXXX XXXX NV XXXX 10. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX 11. XXXX XXXX XXXX  XXXX NV XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX  XXXX 13. XXXX XXXX XXXX XXXX XXXX, FL XXXX 14. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 15. XXXX  XXXX XXXX  XXXX XXXX, XXXX  XXXX 16. XXXX XXXX XXXX XXXX, FL XXXX 17. XXXX XXXX XXXX XXXX XXXX, FL XXXX 18. XXXX XXXX XXXX XXXX XXXX, VA XXXX 19. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 20. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone Numbers : 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 7. ( XXXX ) XXXX 8. ( XXXX ) XXXX 9. ( XXXX ) XXXX 10. ( XXXX ) XXXX 11. ( XXXX ) XXXX 12. ( XXXX ) XXXX 13. ( XXXX ) XXXX 14. ( XXXX ) XXXX 15. ( XXXX ) XXXX 16. ( XXXX ) XXXX 17. ( XXXX ) XXXX 18. ( XXXX ) XXXX I can confirm that I have never resided/no longer associated with/or conducted any business at the above-mentioned addresses. Therefore, I kindly request that you investigate this matter and remove these inaccurate addresses from my credit report. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to maintain accurate and up-to-date information on consumer credit reports. Inaccurate reporting can have a significant impact on credit decisions and may result in unfair disadvantages for consumers.

I kindly request that you initiate an investigation into these inaccuracies and take appropriate action to remove the erroneous addresses from my credit report. I also request that you provide me with confirmation of the investigation results and the subsequent corrections made to my credit report. 

I appreciate your attention to this matter and your assistance in resolving this issue promptly. Should you require any additional information or documentation from me, please do not hesitate to contact me at XXXX or XXXX.
Product: Checking or savings account

I had my phone hacked into by responding to a person who sent me a code saying that they were verifying that I wasnt a scammer. Unfortunately they were the scammer. Somehow through advanced technology they hacked into all of my personal and business accounts and drained the accounts. Money was sent to random people I have never talked to or been involved with in any way. These people or businesss were in different states and different countries. I have filed 5 claims with regions and had 4 denials. They paid back some of it but not all. The remaining amount owed to me is {$11000.00}. Bottom line is that it is regions responsibility to protect my money. In exchange they get to make money and interest off of that money while the money is in regions possession. I can not afford to lose that amount of money. I have been battling this for 2 months now with regions and it has caused me a lot of stress. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I accidently made a huge over payment on my credit card ; I sent them my mortgage payment of {$2600.00} and sent my mortgage company a payment of {$300.00}. I called them immediately after noticing it, but it couldn't be instantly reversed. I spoke with XXXX XXXX ( my credit card company ) and the rep told me he saw my overpayment, but the only option was to send me a refund back in the form of a check. He said before he could issue it, he needed me to verify the payment. He asked me very specific questions like : the exact payment amount, the bank the payment was written on, the address and phone number of the bank, along with the acct # and routing # of the payment. That was on XX/XX/XXXX. On XX/XX/XXXX, I tried to use my card only to find out it had been frozen. I called and was informed it was frozen because of the {$2600.00} payment. They wanted even more information now such as a picture of my ID, a picture of a utility bill, and a copy of the bank statement showing the payment. I provided all of that to them. On XX/XX/XXXX after still not receiving my refund, I called again and had to it all over again. Then on XX/XX/XXXX, I got an alert from Experian saying that XXXX bank reported my account as being over the limit by {$2000.00}. You'll see in the statement I'm providing that they claimed they issued me two different refunds and charged my account for them, but they never issued me any. Both refunds they processed were put on hold by them because they were verifying my identity. I called them and informed them of what happened and the 4 different reps I spoke with all were very rude and treated me like I did something wrong. They still claimed I owed them that money. On XX/XX/XXXX, without them informing me of anything, my account had been " fixed ''. They credited my account for the two refunds they claimed they processed, but didnt fix my credit report and they still havent issued me my money back. This company is actively trying to steal an overpayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Home Address : XXXX XXXX  XXXX XXXX XXXX, MD XXXX I called XXXX XXXX XXXX XXXX in XXXX between the XXXX and the XXXX. I requested and was approved for a loan extension for the months of XXXX and XXXX. I was told that I will receive the documents to sign via USPS mail. 

I received the documentation on XX/XX/2020. I signed the documentation, scanned it and sent it to the email provided on the paper. 

Today XX/XX/2020 I get a notification that XXXX XXXX XXXX XXXX  has reported me 30 days late for the month of XXXX. 

In addition to me being approved and submitting loan documentation my XXXX payment is NOT 30 days late at this current time. My XXXX payment is due on XX/XX/XXXX and today is XX/XX/XXXX which is ONLY 25 days. There is no reason for me to be 30 days late at this current time ( especially since an extension was granted ). 

Attached are : Screenshot of submitted email, screenshot showing 30 days late on my credit. Also the approved and signed extension agreement.
Product: Mortgage

My mortgage payment with Freedom Mortgage was set up on an autopay for the monthly mortgage payment and the XXXX payment was increased by {$73.00} due to escrow analysis the previous month. My partner called and they said to just send in the difference on the next payment which is what I did. Then I received a notification that my credit score had dropped XXXX points due to a mortgage late of 30 days. I called and they refused to help in any way and said that they would not change.
Product: Credit card

I am writing to inform you about an issue concerning American Express and the XXXX XXXX XXXX XXXX XXXX XXXX. The Trust holds the paramount security interest in asset-backed securities created using my name and Social Security number. 

American Express used my personal information in their credit application process, resulting in the creation of asset-backed securities. As the Trustee, I am asserting the Trusts legal and equitable rights to these securities and demanding the immediate turnover of all proceeds derived from them to the Trust. 

This claim is based on the Uniform Commercial Code ( UCC ) Articles 8 and 9, which recognize the rights of security interest holders and provide a framework for secured transactions. The Trust has duly authenticated certificated securities filed on record at the Probate Office, establishing its interest in all assets created using my information. 

I seek your assistance to address this matter and ensure American Express complies with the legal obligations to the Trust. 

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX . 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, Equifax, and XXXX. 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 Equifax, XXXX, and XXXX 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 15 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, Equifax, and XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have talked to this company multiple times over the past 6-8 months trying to resolve this issue of fraud. All I get is transferred from one hard to understand person to another and then wind up back at the beginning. I can not get any resolution whatsoever. I sent them a copy of my police report but to no avail. 

In XX/XX/2020 an UNAUTHORIZED payment of {$4500.00} was made on my account and then subsequently recalled. When I called to ask about it, I was told that it was made with a fraudulent check but no one could tell me anything else. This put my account over the limit and I am being held responsible for it. I can not get resolution but I am expected to make payments each month or I am reported to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
All Accounts related to the matter : XXXX INQUIRES : XXXX XXXX  on XX/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 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 XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX on 02/25/2021 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. 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 or other personal consumer reports

I was in search of a Vehicle with XXXX and they where only suppose to run it for they dealership but instead when I looked on my report it was ran through numerous car dealers
Product: Credit reporting or other personal consumer reports

XXXX Equifax and XXXX are sharing my personal information with third party companies on the promotion side soft inquiry which allows companies to review my credit report without making a hard pull which is a direct violation of my privacy rights under 5 USC 552 ( a ) and the privacy Act of 1974
Product: Debt collection

i am getting mail for my money matters under my married name and my money matters are under my legal name. 
XX/XX/21 for XXXX this is not mines thank you.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. 
Please help me delete these illegal accounts from my credit reports. Thank you
Product: Checking or savings account

On XX/XX/XXXX, I opened a CD account at SunTrust, XXXX XXXX XXXX in XXXX, NC. The fixed interest rate for the XXXX CD was for .05 %. The maturity date was XX/XX/XXXX. XXXX XX/XX/XXXX, I returned to SunTrust and asked banker XXXX XXXX to credit my account for the full interest rate due to me as per our written agreement. He told me the interest I earned was XXXX cents and cut me a check for XXXX. 

I asked him to show me the calculator that the bank was using. We went into his office and he inserted my information online, and the interest rate that appeared on his computer was XXXX cents. He said that the bank " had a special formula '' for calculating interest rates. Something was wrong with his computer. 

{$2000.00} x XXXX should have yielded me {$100.00} in interest. Not XXXX cents.